Welcome to Your Benefits

Your one stop for all benefits-related information.

How to enroll

Enrollment elections may be processed in WorkDay. Be sure to review this site and the corresponding plan documents carefully as you decide what is best for you and your family.

Click the buttons below to learn more about Included Health and how to activate your account.

To activate your account, go to includedhealth.com/WellSky or call 833.938.9793.

Don't miss out on PerkSpot 

WellSky is excited to partner with PerkSpot, a teammate discount program.  PerkSpot is a free, one-stop-shop for exclusive discounts to hundreds of your favorite national and local merchants.  Use PerkSpot to find deals on everything from household essentials, restaurants, electronics, and travel.

What kinds of discounts can I get from PerkSpot?

• Restaurants
• Tickets and entertainment
• Computers and electronics
• Travel and hotels
• Apparel
• Home, garden and pets
• Flowers and gifts

Questions?

Please visit: includedhealth.com/wellsky

Medical Benefits

Benefits provided through Meritain.

WellSky offers you three medical plans through Meritain to choose from, which are highlighted in the button below.

Three plan options are available:

• PPO is primarily a copay plan. This means some medical services, such as an office visit, will require a copay only as they are not subject to deductible. This plan will cost you more out of your paycheck but you may pay less when you need care.
• HDHP A is a qualified health plan, these benefits are subject to deductible plus coinsurance. Since it is a qualified plan, it is HSA eligible. WellSky will contribute to your HSA, which is dependent on level of coverage you choose. 
• HDHP B is a qualified health plan, these in-network benefits are subject to deductible. Since it is a qualified plan, it is HSA eligible. WellSky will contribute to your HSA, which is dependent on level of coverage you choose. HDHP B is an embedded plan, meaning if you enroll a family and one person meets the individual deductible amount, the plan begins sharing in cost for that specific family member. 

Those who enroll in either HDHP medical plan will be eligible for a health savings account (HSA). More information on HSAs can be found on the HSA & FSA tab.

This brief video shows the differences between a PPO and HDHP medical plan. 

Please be sure to validate your providers and hospitals are in-network at meritain.com.

How to search for your provider

Need a plan recommendation?  

WellSky has partnered with Help Me Choose Benefits for the 2025 plan year to help all employees make informed elections that best fit their healthcare needs. 

Help Me Choose Benefits is a decision support tool that recommends the benefits that are best suited for you based on your income, family status, lifestyle, and specific healthcare needs. No SSN or personal identifiers are necessary to complete the survey, your answers are 100% anonymous! 

Visit ourbenefits.guide/wellsky to get started!

Please note that Help Me Choose Benefits are just recommendations to help inform and guide you for the 2025 plan year. You are not required to elect any of the recommendations proposed to you.

Welcome to Meritain

Meritain Member Portal Guide

Meritain Customer Service

Where do I go for the best care? 

Knowing where to go for medical care can save you lots of time and money! It can also help get you the best care for your situation. Here are some general guidelines to assist you in determining the best option for you.

What is Carrum Health?

Carrum Health is a special surgery and medical benefit provided by WellSky to you.

Carrum Health partners with the top hopsitals and surgeons to help you get the best possible care, often at little or no cost to you! Covered procedures include but limited to:

Whether you need cancer care or a range of surgical procedures, Carrum Health works with the top cancer specialists and surgeons in the country—those who have better outcomes and outstanding bedside manner. And when you receive care through Carrum Health, most, if not all, costs are covered.

Note: Individuals enrolled in the high deductible plans (HDHP A or HDHP B) must first meet the federal minimum deductible, but coinsurance will be waived. Per IRS rules, a portion of any covered travel expenses will be reported as taxable income for any Carrum participant. 

For more information please visit the plan document. 

IMPORTANT: 

It is required for medical plan members to go through the Carrum Health benefit, provided by WellSky, for total hip/knee replacements, bariatric weight loss surgery, and certain spine procedures. Your surgery will not be covered by the Meritain medical plan if you get one of these surgeries outside Carrum.

Ready to get started?

Visit carrum.me/wellsky or call 888.855.7806

Available Monday through Friday 9 a.m. to     8 p.m. EST

Your fertility and family building benefits

The Progyny benefit includes comprehensive treatment coverage leveraging the latest technologies and treatments, access to high-quality care through a premier network of fertility specialists, and personalized emotional support and guidance for every path to parenthood from dedicated Patient Care Advocates (PCAs).

You can contact Progyny at 866-960-3594 for more information. This benefit is available to eligible participants enrolled in the  medical plan.

Your Progyny benefit has been specifically designed to give you the best chance of fulfilling your dreams of family. Whether you just want to learn more about your options, are trying to conceive, or exploring fertility treatment, Progyny is here to support you each step of the way. The Progyny Smart Cycle covers all the individual services, tests, and treatments you may need. Progyny removes barriers to care so you and your doctor can create the customized treatment plan that is best for you.

Comprehensive coverage

Fertility treatment and family-building services for every unique path to parenthood.

Personalized support

Unlimited clinical and emotional support from a dedicated Patient Care Advocate. 

High quality care

Convenient access to a network of top fertility specialists across the united states. 

Who is Progyny?

Progyny Patient Advocate

Progyny Member Guide

Questions?

Please visit: includedhealth.com/wellsky

Prescription Drug

Benefits provided through CVS Caremark.

Pharmacy benefits

WellSky provides prescription drug coverage with your medical plan enrollment. Your prescription benefit is designed to bring you quality pharmacy care that will help you save money. The information below is a brief summary of your prescription benefits as well as some frequently asked questions about the CVS Caremark prescription benefit program. CVS Caremark and WellSky are confident you will find value with your prescription benefit program.

Register at caremark.com to access tools that can help you save money and manage your prescription benefit. To register, have your Prescription Card ready.

Click here to view the CVS Caremark Advanced Control Formulary. Please note that this is a reference tool and is not fully reflective of what drugs are covered under your WellSky plan. To confirm if a prescription drug on the formulary is covered, please utilize the drug coverage tool on the member portal or call customer care.  

CVS Caremark Retail Pharmacy Network

For short-term medications (up to a 30-day supply)

The CVS Caremark Retail Network includes more than 68,000 participating pharmacies nationwide, including independent pharmacies, chain pharmacies, and 9,600 CVS Pharmacy locations. To locate a CVS Caremark participating retail network pharmacy in your area, simply click on “Find a Pharmacy” at caremark.com or call a Customer Care representative at 888-626-1159.

CVS Caremark Maintenance Medications

For maintenance medications (up to a 90-day supply) you have the choice of:

• Filling your maintenance medications at a CVS Pharmacy retail location, or
• Simply mail your original prescription and the mail service order form to CVS Caremark. Your medications will be sent directly to your home, office, or a location of your choice.

Taking a maintenance medication?

Cost Saver powered by GoodRX

Should I get my prescriptions by mail?

Need help paying for specialty prescriptions?

Learn about prescription drugs

Traditional drugs

• Generic drugs offer the lowest copay: You pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.

• Brand drugs are a higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.

• Non-preferred drugs are the highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand. These drugs have the highest copay. Make sure to check for mail order discounts that may be available.

Specialty drugs

• Preferred drugs offer the lowest specialty drug copay: Specialty drugs are generally more effective and less expensive than nonpreferred specialty drugs.

• Non-preferred drugs are the highest specialty drug copay: These drugs have the highest copay for specialty drugs, usually because there may be a more cost-effective generic or preferred brand available.

HELPFUL COST SAVING TIPS 

• Mail order: Many drugs are available in a 90-day supply, rather than the 30-day retail supply. The Mail order cost is 2.5x the preferred copay.

• Good Rx: You can save on prescription costs by utilizing online tools like GoodRx.com. This platform provides an Rx database to help you find the most affordable pharmacy for your specific prescription. You may also find coupons directly from the drug manufacturers via their websites that may reduce your expenses. Keep in mind that some coupons can only be used outside of your prescription plan and will not count towards your annual out-of-pocket maximums.

Questions?

Please visit: includedhealth.com/wellsky

Medical Carrier Programs

Teladoc for medical, dermatological, and behavioral health  

All teammates enrolled in the medical plan and their covered family members will have access to Teladoc. This is a company paid benefit under the PPO plan. For the HDHP plans, you will pay for the cost of the visit. If you have not met your deductible, you will pay the following towards your deductible:

• General medicine ($56 - $58)

• Psychiatrist (initial $215; subsequent $100)

• Dermatology ($85)

• Therapist ($90)

Once you have met your deductible on the HDHP plans, WellSky covers the entire cost of your Teladoc visit.

Please visit teladoc.com or click the registration button on the right to learn more. 

CVS Minute Clinic for all members

Minute Clinic makes it easy for you to get the care you need, when you need it. Now WellSky members can access all eligible services, including general medical Minute Clinic Virtual Care visits at any in-network clinic at little to no cost to teammates. Services include:

• Treatment of illnesses
• Treatment of injury and conditions
• Write prescriptions when necessary

Minute Clinic is a walk-in clinic inside select CVS Pharmacy and Target stores and is the largest provider of retail health care in the United States.

Click the buttons on the right to learn more. 

Tobacco Cessation 

Call 1-800-QUIT-NOW to access resources, support and accountability you’ll need to get through each day smoke-free. If you complete the program, please reach out to Benefit Support to confirm your new tobacco status.

Wellness incentive for preventative services

WellSky has partnered with CheckUps by PathFinder Health to provide you and your eligible dependents with biometric screenings and a vist with a physician, all without leaving your home. 

We are excited to introduce a $100 wellness incentive for preventive services to teammates enrolled in a WellSky medical plan. To provide greater access to this incentive, WellSky has partnered with Pathfinder Health to provide at home lab kits to complete a blood draw. 

Once completed, members enrolled in the HSA plan may receive a $100 contribution to their HSAs; PPO plan participants may receive a $100 wellness reward paid directly to you. Wellness rewards paid directly to you are considered taxable income.

Teammates will be asked to complete a preventive care affidavit to acknowledge services have been completed. Wellness incentive requests must be submitted by December 1 for services

rendered within the calendar year.

Working Advantage: Through ComPsych's GuidanceResources portal, teammates have access to exclusive member discounts on a variety of gym memberships, nutrition programs and home equipment. Get the guaranteed lowest price at your choice of over 10,000 gyms, including big chains and local favorites.

To learn more:

• Visit the GuidanceResources online portal and login.
• Search "Discount" into the search bar and click on "Discount Programs".
• This will take you to Working Advantage where you will find gym and fitness program discounts!

Questions?

Please visit: includedhealth.com/wellsky

Health Savings & Flexible Spending Accounts

Check out these tax-favored accounts.

Health savings account (HSA)

An HSA is a personal healthcare bank account you can use to pay out-of-pocket medical expenses with pretax dollars. If you enroll in a high-deductible health plan, you can open an HSA. You own and administer your HSA.

You determine how much you contribute to your account, when to use your money to pay for qualified medical expenses, and when to reimburse yourself. Remember, this is a bank account; you must have money in the account before you can spend it.

HSAs offer you the following advantages:

TAX SAVINGS: You contribute pretax dollars to the HSA. Interest accumulates tax-free, and funds are withdrawn tax-free to pay for medical expenses.

REDUCED OUT-OF-POCKET COSTS: You can use the money in your HSA to pay for eligible medical, dental and vision expenses and prescriptions. The HSA funds you use can help you meet your plan’s annual deductible.

A LONG-TERM INVESTMENT THAT STAYS WITH YOU: Unused account dollars are yours to keep even if you retire or leave the company. Also, you can invest your HSA funds, so your available healthcare dollars can grow over time.

THE OPPORTUNITY FOR LONG-TERM SAVINGS: Save unused HSA funds from year to year — you can use this money to reduce future out-of-pocket health expenses. You can even save HSA dollars to use after you retire.

HSA eligibility

• Employee funded based on elected payroll deductions.

• Employee must be enrolled in company’s HDHP (HSA) plan.

How to access/make contributions to your HSA

Once your account is open, you can access it by visiting the WEX login for WellSky. You’ll set up your payroll contributions during open enrollment. You can make contribution changes at any time during the year through WEX. Note that it may take between one and two payroll periods for an HSA change to be processed.

More details about HSA accounts

The HSA is administered by WEX. WellSky pays the monthly administrative fee for your HSA. If your coverage status or employment status changes, you will be responsible for all HSA account holder fees.

How much you can contribute into an HSA

WellSky employer contributions count toward the annual HSA contribution limits, so you need to plan carefully how much you’ll contribute annually to avoid excess contributions. These limits apply even for participants entering the plan midyear.* The 2025 IRS maximum contribution for these accounts are:

• $4,300 for employee-only coverage.

• $8,550 for all other coverage levels.

Individuals ages 55 and older may make an additional $1,000 annual contribution to their HSA.

*If you make the full-year contribution based upon your status of Dec. 1, you may be subject to an IRS Testing Period and could owe tax and a penalty on part of that contribution if you do not remain an eligible individual through Dec. 31 the following year. You may also need to prorate your contribution if you drop or reduce the level of your coverage midyear.

Contributions 

HSA contributions are tax-free if they are used to pay for qualified medical expenses.

• Qualified medical, dental and vision expenses not covered by insurance.

• Qualified long-term care services and long-term care insurance.

• Continuation of coverage required by federal law (i.e., COBRA).

• Health insurance for the unemployed.

• Medicare expenses (but not Medigap).

• Retiree health expenses for individuals age 65 or older.

• Distributions made for any other purpose are subject to income tax and a 20% penalty. The 20% penalty is waived in the case of death or disability. The 20% penalty is also waived for distributions made by individuals age 65 or older.

WEX has provided an overview of an HSA.

Learn more about HSA limits.

Visit the HSA store for discounts.

Use this handy HSA planner.

Watch your account balance change and grow

By setting a goal of saving $1,000 per year in your HSA, see how you could accumulate $15,000 in savings over 15 years. These funds will be put in tax-free and grow tax-free, and they can be taken out tax-free for qualified expenses.

The funds in your HSA will earn interest annually. Additionally, after your account balance reaches $1,000, you will be able to invest your funds in select investment options. The earnings on your HSA funds will never be taxed.

Since this account is always yours and rolls over from year to year, you can choose to use it now or as another investment tool for retirement.

Medical flexible spending account (FSA)

• Pay qualified medical, dental and vision expenses for yourself and your dependents with pre-tax dollars.

• A debit card is available, or you may file claims for reimbursement.

• You may contribute up to $3,300/year through payroll deduction.

• Elections may be changed only during open enrollment, unless you have a change in status.

• You cannot participate in the medical FSA if you contribute to an HSA.

• Plan year is Jan. 1 through Dec. 31.

• Elections do not carry over from year to year; you must re-enroll each year to continue participation.

This is a use-it-or-lose-it account, meaning any funds remaining in the account following the close of the plan year will be forfeited. Medical care FSA new to you? WEX provides more information about this account. 

Dependent care flexible spending account (FSA)

Dependent care FSAs allow you to set aside money pretax to pay eligible out-of-pocket day care expenses for all dependents up to the age of 13 so that you or your spouse can work or attend school full time. You must contribute money through payroll deduction to your dependent care FSA before you can spend it.

During open enrollment, you must decide how much to set aside for this account for the upcoming year. You may contribute up to $5,000, or up to $2,500 if you are married and file separate tax returns. The limit is $5,000 for those that are single/head of household or married and filing jointly. Dependent care FSA new to you? WEX provides more information about this account.  

Limited purpose flexible spending account (FSA)

If you are enrolled in an HSA eligible plan, you are eligible to enroll in the limited purpose flexible spending account. IRS rules state that you cannot have both an HSA and general health FSA since both apply funds toward your medical expenses.

A limited purpose health FSA allows you to continue to contribute to an HSA. A limited purpose health FSA is much like a medical care FSA. The main difference is that the limited purpose account is set up to reimburse only eligible FSA dental and vision expenses. The maximum contribution in the 2025 plan year for the limited purpose flexible spending account is $3,300.

REMEMBER:

Changes to your medical or dependent care FSA elections can be made only during open enrollment or if you experience a qualifying life event.

FSA dollars are on a "use it or lose it" basis. Please be cautious when enrolling in the offered FSAs, especially if you are contemplating enrolling in both. If you miscalculate your needs for either category, you could lose a significant amount of pre-tax money.  All services should be incurred from Jan. 1, 2025, through Dec. 31, 2025, however, WellSky offers an additional 2.5 month grace period. All services must be incurred by March 15, 2025. Claims must be submitted by March 31, 2026. 

WEX has provided an overview of an FSA.

Learn more about FSA limits.

Unfamiliar with the term grace period for FSAs?

Here are some great FSA spending tips.

Differences between FSA and HSA

Although FSAs and HSAs both allow people to use pre-tax income for eligible medical expenses, there are considerable differences between the two account types. These include the qualifications, contribution limits, rules for rollovers and changing contribution amounts, and withdrawal penalties. We have compiled the main differences in the chart below.

Wex Technology & Resources

Watch these brief videos to learn more about your HSA and FSA options.

Questions?

Please visit: includedhealth.com/wellsky

Dental and Vision Benefits

Benefits provided through Delta Dental and VSP.

Dental

WellSky offers dental benefits through Delta Dental of Kansas, with two plan designs to allow you the choice to enroll in the plan that fits your personal needs.

You may see any dentist of your choice, however, by using a dentist that is in the Delta Dental network, you may pay less than if you seek care at an out-of-network provider. 

How to find an in-network provider

Do You Need a Quick Overview of Your Dental Benefits?

Click below for a short summary and comparison of the two dental options WellSky offers you.

We have prepared this quick overview for you but we have also added the official carrier documents in the Document Library tab. 

Right Start 4 Kids Program

Preventive Care Plus Program

Vision

WellSky offers vision benefits through VSP, with two plan designs to allow you to enroll in the plan that fits your personal needs. You may choose any provider you wish, but your benefits will be greater if you see an in-network option. 

Eye exams are a wonderful way to keep tabs on what is happening in your body. Your eyes are the only place in your body that provides a clear view of your blood vessels, arteries, and a cranial nerve, which can tell your doctor a lot about your overall health.

Do You Need a Quick Overview of Your Vision Benefits?

Click below for a short summary of the vision plan WellSky offers you.

We have prepared this quick overview for you but we have also added the official carrier documents in the Document Library tab. 

Shop online for eyeware.

Questions?

Please visit: includedhealth.com/wellsky

Life & Disability Insurance

Benefits provided through Lincoln Financial.

Basic life and accidental death and dismemberment (AD&D)

WellSky provides, basic life and AD&D at no cost to you. In the event of your death, our life insurance policy helps provide a general safety net for your beneficiaries. If you are a full-time or part-time employee, working 30 hours or more per week your coverage is the amount equal to one times the your annual salary (up to a max of $500,000). AD&D provides another layer of benefits to either you or your beneficiary if you suffer from loss of a limb, speech  sight or hearing, or if you die in an accident. We will continue to partner with Lincoln Financial for our life insurance coverage in 2025.

Voluntary life and AD&D

You have the opportunity to purchase voluntary life and AD&D insurance for yourself, your spouse and/or your dependent children. Please note, voluntary life and AD&D are elected separately and can be different amounts. Your cost for this coverage is based on the amount you elect and your age. You must purchase voluntary life and AD&D insurance for yourself in order to purchase spouse and/or dependent child(ren) coverage. You may purchase additional life insurance for the teammate, spouse, and children. Coverage is up to $500,000 for teammate,
$250,000 for spouse, and $10,000 for children. If you did not enroll in this coverage when you were first eligible, you will be subject to medical underwriting.

Life insurance 101

No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. Getting life insurance doesn’t have to be hard (or boring). We have some answers to common questions about life insurance so that you can make informed decisions about protecting your loved ones financially.

Go to Life Happens.org to learn about life insurance, disability insurance, Long-term care insurance and annuities. 

Voluntary life and AD&D summary

IMPORTANT:

Beneficiary Updates

Please take this enrollment opportunity to review your designated beneficiary (or beneficiaries) within the enrollment system. In the case of your death while covered on this plan, your life and/or AD&D benefit will be paid to the beneficiary you have listed. 

STD benefits are designed to replace a portion of your income for a non-work-related short-term injury or illness. STD benefits are paid at 60% of your eligible weekly base pay, up to $2,500 weekly, during the first 180 days of injury or illness.  The STD benefit is paid for by WellSky; there is no cost to you. However, any income replacement benefits received are taxable.

To view the benefits provided to you go to the Document Library tab.

This benefit offers financial protection to you when you need it most — if you become disabled and can no longer work. The plan will also help you return to work, if appropriate.

If you become totally disabled, you will receive 60% of your base salary, up to $10,000 monthly, after you have satisfied the 180-day waiting period for benefits. Your benefit amount may be offset by other benefits you are receiving, such as Social Security or workers’ compensation. Your monthly benefits are subject to federal income tax and may be subject to state and local taxes.

To view the benefits provided to you go to the Document Library tab.

Watch these brief videos to learn more about your salary protection options.

Questions?

Please visit: includedhealth.com/wellsky

Voluntary Benefits

Benefits provided through Voya.

Voluntary benefits insurance through Voya can help protect you from significant or unexpected out-of-pocket expenses. Consider your anticipated medical needs along with the cost of the insurance plans available to you. Keep in mind, these benefits are intended to supplement, not replace, your medical benefit. Curious about these types of benefits? 

Accident

The accident insurance through Voya is designed to supplement your medical benefit by paying specific benefit amounts for expenses resulting from injuries or accidents. Hospitalization, physical therapy, intensive care, transportation and lodging are some of the out-of-pocket expenses that this accident insurance could cover. Coverage is available for you, your spouse and/or your child(ren).

Critical illness

WellSky partners with Voya to offer critical illness insurance, which supplements your medical benefit by helping you pay costs associated with a critical illness or event. Some of the conditions covered under this program include cancer, heart attack, stroke, Alzheimer’s, kidney failure and paralysis. Benefits are paid tax-free in a lump sum ranging from $10,000 to $30,000 to be used at your discretion.

Hospital indemnity

Hospital indemnity insurance through Voya is designed to help provide financial protection for covered individuals by paying a benefit for hospitalization. You can use the benefit to pay for out-of-pocket expenses and extra bills that can occur. Indemnity lump-sum benefits are paid directly to you based on the amount of coverage listed, regardless of the actual cost of treatment.

Watch these brief videos to learn more about your salary protection options.

Voya Microsite

Click the button on the right to visit WellSky's microsite provided by Voya. Here is housed all information regarding your supplemental health benefits provided by Voya. 

How to File a Claim through Voya

To file a claim for one of your benefits through Voya, click HERE, where it will take you to your WellSky microsite. At the top, click "File a Claim" and choose what benefits you want to file for. In order to complete your claim, you may need the following information about the policy holder and claimant(s): 

• Date of birth
• Social Security number

• Insurance Information (including Group Name and Group Number)

• Mailing address

• Banking information if applicable

For questions regarding your claim, please call the Voya Claim Center at 877-236-7564.

MetLife legal plan

Teammates may purchase one of two legal plans at a group rate to be used for a variety of services such as divorce, identity theft defense, bankruptcy, or traffic tickets through MetLife. Need more information, you may call 800-821-6400 or visit why enroll in legal protection. 

How our legal plan can help you.

Need help with financial wellness?

Questions?

Please visit: includedhealth.com/wellsky

Retirement 401(k)

Benefits provided through Principal.

All teammates over the age of 19 are eligible to participate in the plan after the first day of the month following hire date. You can contribute any percentage of your pay, subject to plan and IRS limits. Teammate and WellSky contributions are always 100% vested, and you can change your contribution rate at any time.

WellSky provides a generous match provided on a per paycheck basis subject to IRS limits. WellSky will match 100% on teammate contributions up to 3% of your pay, plus a 50% match on teammate contribution amounts over 3% up to a maximum of 5% of your pay.

Watch these brief videos from Renaissance Financial to learn more about retirement.

Medicare Information

Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare three months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). 
 

How Included Health Can Help

Through Included Health's Care Team, they will help guide you to the right choice and answer any questions regarding Medicare. Whether that's questions on enrollment windows, face coverage gaps, or even tax questions, Included Health is here to help. Click the button below to learn more.

Questions?

Please visit: includedhealth.com/wellsky

Well-being at WellSky

ComPsych Guidance Resources

Emotional wellbeing and work-life balance resources to keep you at your best: Our Employee Assistance Program offers expert guidance to help you and your family address and resolve everyday issues.

Watch the video above to learn more about the services provided by ComPsych GuidanceResources or click HERE to quickly view their service guide. 

ComPsych can help with

Counseling

Financial expertise

Legal consultation

Support

Resources

To access this benefit visit guidanceresources.com or call 844.257.6078.

Group code: WellSky

Wellness programs offered through Meritain

Meritain offers a vast number of wellness programs to all teammates and your loved ones enrolled in the medical plan. See below and the corresponding buttons to the right to learn more about each program. 

TELEMYND: quality and easy-to-use telebehavioral health program to virtually meet with therapists and prescribers. 

MeruHealth: a groundbreaking mental health program that blends one-on-one therapist support with helpful digital tools and interactive practices.

Equip: 30 million Americans struggle with an eating disorder. Equip helps deliver an eating disorder treatment that actually works at the comfort of your home. 

BrightLine: the innovative mental health care program for your kids and teens that creates a safe environment with a mental health care professional.  

988 Suicide & Crisis Lifeline 

If you or someone you know is in crisis, dial 988 for immediate, free, confidential support from a trained professional. The 988 Suicide & Crisis Lifeline provides free and confidential emotional support to people in suicidal crisis or emotional distress 24 hours a day, 7 days a week, across the United States. 

Questions?

Please visit: includedhealth.com/wellsky

Time Away

WellSky recognizes that time away from work is integral to well-being and to help lower stress and improve mental health. WellSky teammates are provided with a generous variety of time off options.

Vacation

Vacation time is available to eligible teammates and is based on length of service and position.  Part-time teammates may be eligible for a prorated amount depending on work schedule.

Holidays

Teammates receive a set number of paid holidays annually, including "floating holidays” that can be used at their discretion. Part-time and new teammates receive holiday benefits on a prorated basis.

Well-being Time

Eligible teammates accrue well-being time off from the start of their employment to use for personal illness or caring for sick dependents. Accrual is based on legal guidelines and is capped at a set maximum.

Volunteer Time Off

All regular full-time and part-time teammates are eligible to take time off to volunteer with a charitable organization, 501(c)(3) nonprofit, or its U.S. equivalent.

Civic Duty

Paid time off is granted to teammates for participating in civic activities, including voting and serving on a jury.

Bereavement Leave

Paid time off is granted to teammates following the death of a family member, with the number of days varying based on the relationship to the deceased.

Questions?

Please visit: includedhealth.com/wellsky

Helpful Terms

Here are some terms you may see.

Age reduction

The group term basic life and AD&D insurance coverage are subject to a reduction in benefit amount as you age.

Balance Billing 

When a provider bills you for the balance remaining on the bill that your plan doesn’t cover. This amount is the difference between the actual billed amount and the allowed amount. For example, if the provider’s charge is $200 and the allowed amount is $110, the provider may bill you for the remaining $90. This happens most often when you see an out-of-network provider. A network provider may not bill you for covered services.

Claim

A request for a benefit (including reimbursement of a health care expense) made by you or your health care provider to your health insurer or plan for items or services you think are covered.

Coinsurance

Your share of the costs of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay coinsurance plus any deductibles you owe. (For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.)

Copay

A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.

Cost Sharing

Your share of costs for services that a plan covers that you must pay out of your own pocket (sometimes called out-of-pocket costs). Some examples of cost sharing are copayments, deductibles, and coinsurance. Family cost sharing is the share of cost for deductibles and out-of-pocket costs you and your spouse and/or child(ren) must pay out of your own pocket. Other costs, including your premiums, penalties you may have to pay, or the cost of care a plan doesn’t cover usually aren’t considered cost sharing.

Deductible

An amount you could owe during a coverage period (usually one year) for covered health care services before your plan begins to pay. An overall deductible applies to all or almost all covered items and services. A plan with an overall deductible may
also have separate deductibles that apply to specific services or groups of services. A plan may also have only separate deductibles. (For example, if your deductible is $1,000, your plan won’t pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible.)

Embedded Deductible

If you are on a family medical plan with an embedded deductible, your plan contains two components: an individual deductible and a family deductible. Having two components to the deductible allows each member of your family to have your insurance policy cover their medical bills prior to the entire dollar amount of the family deductible being met. The individual deductible is embedded in the family deductible.

Explanation of Benefits (EOB)

An EOB is a statement from the insurance company showing how claims were processed. The EOB tells you what portion of the claim was paid to the healthcare provider and what portion of the payment, if any, you are responsible for.

Emergency Medical Transportation

Ambulance services for an emergency medical condition. Types of emergency medical transportation may include transportation by air, land, or sea. Your plan may not cover all types of emergency medical transportation, or may pay less for certain types.

Emergency Room Care/Emergency Services Services to check for an emergency medical condition and treat you to keep an emergency medical condition from getting worse. These services may be provided in a licensed hospital’s emergency room or other place that provides care for emergency medical conditions.

Health Insurance

A contract that requires a health insurer to pay some or all of your health care costs in exchange for a premium. A health insurance contract may also be called a “policy” or “plan.”

Hospitalization

Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. Some plans may consider an overnight stay for observation as outpatient care instead of inpatient care.

Hospital Outpatient Care

Care in a hospital that usually doesn’t require an overnight stay.

Individual Responsibility Requirement

Sometimes called the “individual mandate”, the duty you may have to be enrolled in health coverage that provides minimum essential coverage. If you don’t have minimum essential coverage, you may have to pay a penalty when you file your federal income tax return unless you qualify for a health coverage exemption.

Imputed income

Federal regulations require payment of income and Social Security taxes on the value of the life insurance premiums in excess of $50,000 when paid for by your employer. The value of dependent life coverage paid for by your employer is also taxable. These values are known as imputed income. Contact your tax professional for information regarding these tax consequences if you have questions or concerns

In-network Coinsurance

Your share (for example, 20%) of the allowed amount for covered healthcare services. Your share is usually lower for in-network covered services.

In-network Copayment

A fixed amount (for example, $15) you pay for covered health care services to providers who contract with your health insurance or plan. In-network copayments usually are less than out-of-network copayments.

Maximum Out-of-Pocket Limit

Yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. Applies to most types of health plans and insurance. This amount may be higher than the out-of-pocket limits stated for your plan.

Network Provider (Preferred Provider)

A provider who has a contract with your health insurer or plan who has agreed to provide services to members of a plan. You will pay less if you see a provider in the network. Also called “preferred provider” or “participating provider.”

Out-of-Network Coinsurance

Your share (for example, 40%) of the allowed amount for covered health care services to providers who don’t contract with your health insurance or plan. Out-of-network coinsurance usually costs you more than in-network coinsurance.

Out-of-Network Copayment

A fixed amount (for example, $30) you pay for covered health care services from providers who do not contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

Out-of-network Provider (Non-Preferred Provider)

A provider who doesn’t have a contract with your plan to provide services. If your plan covers out-of-network services, you’ll usually pay more to see an out-of-network provider than a preferred provider. Your policy will explain what those costs may be. May also be called “non-preferred” or “non-participating” instead of “out-of-network provider”.

Out-of-Pocket Limit

The most you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit the plan will usually pay 100% of the allowed amount. This limit helps you plan for health care costs. This limit never includes your premium, balance-billed charges or health care your plan doesn’t cover. Some plans don’t count all of your copayments, deductibles, coinsurance payments, out-of-network payments, or other expenses toward this limit.

Plan

Health coverage issued to you directly through an employer, union or other group sponsor (employer group plan) that provides coverage for certain health care costs. Also called "health insurance plan", "policy", "health insurance policy" or "health insurance".

Portability and conversion

Portability and conversion are available if your employment with IronEdge ends. Portability allows you to continue your term life coverage, while the conversion option allows you to convert your term life policy into an individual whole life policy

Preauthorization

A decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment (DME) is medically necessary. Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization isn’t a promise your health insurance or plan will cover the cost.

Premium

The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly, or yearly.

Prescription Drug Coverage
Coverage under a plan that helps pay for prescription drugs. If the plan’s formulary uses “tiers” (levels), prescription drugs are grouped together by type or cost. The amount you'll pay in cost sharing will be different for each "tier" of covered prescription drugs.

Preventive Care (Preventive Service)

Routine health care, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems.

Primary Care Provider

A physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed under state law and the terms of the plan, who provides, coordinates, or helps you access a range of health care services.

Provider
An individual or facility that provides health care services. Some examples of a provider include a doctor, nurse, chiropractor, physician assistant, hospital, surgical center, skilled nursing facility, and rehabilitation center. The plan may require the provider to be licensed, certified, or accredited as required by state law.

Reasonable and Customary

The amount of money a health plan determines is the normal or acceptable range of charges for a specific health-related service or medical procedure. If your healthcare provider submits higher charges than what the health plan considers normal or acceptable, you may have to pay the difference.

Referral

A written order from your primary care provider for you to see a specialist or get certain health care services. In many health maintenance organizations (HMOs), you need to get a referral before you can get health care services from anyone except your primary care provider. If you don’t get a referral first, the plan may not pay for the services.

Rehabilitation Services

Health care services that help a person keep, get back, or improve skills and functioning for daily living that have been lost or impaired because a person was sick, hurt, or disabled. These services may include physical and occupational therapy, speech-language pathology, and psychiatric rehabilitation services in a variety of inpatient and/or outpatient settings.

Screening

A type of preventive care that includes tests or exams to detect the presence of something, usually performed when you have no symptoms, signs, or prevailing medical history of a disease or condition.

Specialist

A provider focusing on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions.

Specialty Drug

A type of prescription drug that, in general, requires special handling or ongoing monitoring and assessment by a health care professional, or is relatively difficult to dispense. Generally, specialty drugs are the most expensive drugs on a formulary.

UCR (Usual, Customary and Reasonable)

The amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service. The UCR amount sometimes is used to determine the allowed amount.

Urgent Care

Care for an illness, injury, or condition serious enough that a reasonable person would seek care right away, but not so severe as to require emergency room care.

Questions?

Please visit: includedhealth.com/wellsky

Document Library

Carrier Benefit Documents & Annual Notices

Below each carrier you may see one or both of these documents:

The Summary of Benefits and Coverage (SBC) is required to be provided and contains specific information about the plan’s coverages (including deductibles, coinsurance, and copays). SBC’s must be provided in a standard format and contain the same plan level details to allow you to easily compare multiple benefit plan options (even when the plans are offered through different carriers). The SBC is a snapshot of health plan’s costs, benefits, covered health care services, and other features that are important to you.

The Summary Plan Description (SPD) or Certificate of Coverage provides an in-depth description of the plan benefits, including coverages, limitations, eligibility, claims submission details, etc. Also included in the SPD/COC are certain legally mandated notices and information. The SPD/COC provides more detail than an SBC or the quick overview found on this site.

Medical and prescription drug  

Meritain / CVS Caremark 

We have created a quick overview of your plan choices in the medical tab. If you have more questions, official carrier documents will be released around January 1, 2025.

• For the CPOSII Plan:

  • Summary of Benefits and Coverage (SBC)

• For the HDHP-A plan:

  • Summary of Benefits and Coverage (SBC)

• For the HDHP-B plan:

  • Summary of Benefits and Coverage (SBC)

• All Plans Summary Plan Description (SPD)

Progyny

• For the Member Benefit Overview
  • Member Benefit Overview

• For the Member Benefits Guide

  • Member Benefits Guide

Dental

Delta Dental of Kansas

We have created a quick overview of your plan choices in the dental tab. If you have more questions, follow the links to the official carrier documents:

• For the Base plan:

  • Summary of Benefits and Coverage (SBC)

  • Certificate of Coverage (COC)

Vision

Vision Service Plan (VSP)

We have created a quick overview of your plan choices in the vision tab. If you have more questions, follow the links to the official carrier documents:

• For the Base and Buy Up plan:

  • Summary of Benefits and Coverage (SBC)

Life and Disability

Lincoln Financial

Follow the links to the official carrier documents along with rates for each:

• For the life and voluntary life plan:

  • Group Life: Summary of Benefits and Coverage (SBC)

  • Voluntary Life: Summary of Benefits and Coverage (SBC)

  • Voluntary AD&D: Summary of Benefits and Coverage (SBC)

  • Basic & Voluntary Life and AD&D: Certificate of Coverage (COC)

• For the STD and LTD plan:

  • STD: Summary of Benefits and Coverage (SBC)

  • STD: Certificates of Coverage (COC)

  • LTD: Summary of Benefits and Coverage (SBC)

  • LTD: Certificates of Coverage (COC)

Voluntary benefits

Voya

Follow the links to the official carrier documents

• For accident insurance:
  • Summary of Benefits and Coverage (SBC)
  • Certificate of Coverage (COC)

• For critical illness:

  • Summary of Benefits and Coverage (SBC)

  • Certificate of Coverage (COC)

• For hospital indemnity

  • Summary of Benefits and Coverage (SBC)

  • Certificate of Coverage (COC)

Annual Notices

Notice Packet 

The notice packet we provide is related to the health plan we offer and includes important information that WellSky is required by the Department of Labor to share with you. 

• Notice Packet

Wrap Plan & Amendments

WellSky's wrap plan combines all employer-provided health and welfare benefits into an easy-to-understand summary, with amendments for any updates made to the plan.

• Wrap Plan
• Wrap Plan Amendment as of 1.1.25
• Wrap Plan Amendment as of 7.14.25

Cafeteria Plan

WellSky's cafeteria plan, or Section 125, outlines the certain taxable and nontaxable pretax benefits offered to you as a WellSky teammate

• Cafeteria Plan

CHIP Notice

If you have a child eligible for Medicaid or the Children's Health Insurance Program (CHIP), these links shows you where to go for information in your state.

• English Notice

Summary Annual Report

Below you will find the summary annual report for WellSky for 1/1/24 through 12/31/24.

• Summary Annual Report - 2024

LEGAL NOTE: This site is not intended to be a complete description of WellSky’s insurance benefit plans. Please refer to the plan document(s) for a complete description. Each plan is governed in all respects by the terms of its legal plan document, rather than by this or any other summary of the insurance benefits provided by the plan.

In the event of any conflict between this site and the official document, the official document will prevail. Although WellSky maintains its benefit plans on an ongoing basis, WellSky reserves the right to terminate or amend each plan in its entirety or in any part at any time.

Questions?

Please visit: includedhealth.com/wellsky