We know how important benefits are for you and your family. That's why we are committed to offering excellent, well-rounded options that protect your physical, mental, and financial health — and that of those you love. Our programs are designed to provide peace of mind in protecting your lifestyle and planning for the future.

Because choosing your benefits takes careful thought and planning, we created this virtual benefits showcase to help you easily navigate and understand our offerings. Please take some time to review the information and return to the site whenever you or your family members have questions or want to review our benefits. This information will be available to you on demand throughout the year, so feel free to bookmark it. 

Open Enrollment will be November 1 – 12th. Please review the benefit offerings closely, and be sure to actively make any FSA or HSA elections for the new plan year. Open Enrollment is the one time of the year when you can make changes to your company-provided benefits without experiencing a qualifying life event. During open enrollment, you have the option to enroll in benefits for the first time, change current plans or coverage amounts, or drop coverage completely.

Use the navigation bar at the top of the page to learn more about each category of benefits. You can watch videos and view documents provided by the benefits carriers. If you have questions, we are here! Feel free to submit questions by contacting us using the information listed below.

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You'll have the opportunity to choose from three medical plan options from UMR for 2022: the Premier PPO, HDHP Premier, or the Standard PPO. Each of these plans utilizes the UnitedHealthcare network of providers. Prescription Drug coverage is provided through MedImpact.  

Review the 2022 Benefits Guide for more information on plan design and cost.

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98point6 is on-demand, text-based care from the convenience of an app. Their board-certified physicians cover the full spectrum of primary care – from medical questions to diagnosis and treatment, to prescriptions and labs. Learn more by clicking the button below.

Questions? Visit www.98point6.com

SurgeryPlus is a resource for members having elective surgical procedures. SurgeryPlus Concierges will help members schedule a procedure with a Center of Excellence Provider and all associated pre- and post-operation services. Members can receive these procedures at little to no cost including travel if necessary.

Questions? Visit https://centerstone.surgeryplus.com, call 855.200.6658, or email Centerstone@SurgeryPlus.com

2nd.MD connects you with board-certified, leading doctors across the country for an expert second opinion via video or phone within three to five days. Their Care Team coordinates all the details, so you can focus on one thing - getting the best care possible.  

Centerstone provides access to 2nd.MD at no additional cost to active employees and their eligible dependents enrolled in a medical plan through UMR.

Questions? Visit www.2nd.md/centerstone.

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We've partnered with Accolade to provide you and your family personalized help for your health and benefits needs. Accolade will be your first place to go whenever you have a healthcare or benefits question, big or small. Accolade Health Assistants and nurses take the time to get to know you and your family, and then connect you to benefits that would be most helpful. Accolade’s team of nurses, doctors, pharmacists and claims specialists work together to get you to the information and care you need, when you need it.

Ask Accolade for help with:

You will be able to connect with Accolade by phone or secure messaging in the member portal or mobile app.

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A healthy smile can make all the difference! That’s why keeping smiles healthy is what we do. Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, a dental plan from Guardian can help you and your family achieve better overall health. We offer a High Plan and a Low Plan option so that you can choose the benefits that suit your needs best.

Questions? Visit www.guardiananytime.com or call 800.627.4200

Whether you have perfect vision or require some type of corrective lenses, preventive eye care is an important part of your overall health. Guardian Vision Insurance can help you offset the expensive costs of exams, frames, contact lenses, corrective surgery, and more.   

Questions? Visit www.guardiananytime.com or call 800.627.4200

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The Health Savings Account (HSA) is designed to help save you money by utilizing funds that have been set aside on a pre-tax basis. With an HSA, you're never taxed if funds are used to pay for qualified healthcare expenses. In addition, the money in the account earns tax-free interest on investment returns.  

There's no use-it-or-lose-it rule for an HSA and any unused HSA funds will roll over each year. You must be enrolled in a High Deductible Health Plan (HDHP) with no first-dollar coverage for medical expenses in order to be eligible to contribute to an HSA. You can contribute money toward your HSA through pre-tax payroll deductions.

The IRS 2022 HSA Contribution Limits are $3,650 for self-only coverage and $7,300 for family coverage. You'll have access to your HSA funds with a debit card from WEX that you can use at the point of purchase to pay for eligible expenses. 

In order to receive Centerstone employer funding into your HSA, you must enroll in the Health Savings Account. If you don't wish to contribute your own funds into the HSA, elect $0.

*Medicare enrollees age 65+ are not eligible to contribute to an HSA.

Questions? Email customerservice@discoverybenefits.com or call 866.451.3399

A Flexible Spending Account (FSA) is a benefit that allows you to choose how much of your paycheck you'd like to set aside, before taxes are taken out, for healthcare expenses. This saves you money by reducing your taxable income. An FSA is Employer Owned, meaning you forfeit any unused money back at the end of a plan year versus an HSA which is employee owned, meaning you can take all money in the account with you even if you leave the company.

One benefit to an FSA is that all of your FSA funds are available to spend right away on January 1. When spending your FSA money on eligible healthcare expenses, you may be asked to provide documentation, containing information such as:  

You can submit your claim via your mobile app, your online account, or manually via the mail. The best form of receipt or documentation is an Explanation of Benefits (EOB) as it contains all of the necessary information for WEX to approve your claim.

A Dependent Care FSA (DCFSA) lets you pay for eligible dependent care expenses while you reap the benefits of additional tax savings. You're spending the money either way. This way, eligible childcare and other dependent care costs are a little less. Your DCFSA can be used to pay for out-of-pocket daycare expenses, after-school programs, and day camp programs for dependents up to age 13. It also covers costs for disabled spouse or dependents of any age. Your household can elect up to $5,000 annually through the DCFSA.

Questions? Email customerservice@discoverybenefits.com or call 866.451.3399

When you enroll in the Centerstone Premier PPO Plan with HRA or the Standard PPO Plan with HRA, you'll be eligible for a Health Reimbursement Account; Single coverage $500 annually and Employee + Dependent(s) coverage $1,000 annually. The HRA is 100% funded by Centerstone. You cannot contribute to the HRA. Unused HRA money rolls over to the next plan year to an aggregate max of $1,500 (individual)/ $3,000 (family) on the Premier PPO plan & $2,500 (individual)/ $4,500 (family) on the Standard PPO plan. Your HRA will cover the last $500 or $1,000 of your deductible. This means you will be responsible for the first portion of your deductible that would not be paid for or reimbursed by your HRA.

Please note: In order to receive the Centerstone Company Funded HRA or HSA funds, you must have completed and returned your Wellness Preventive Exam form or have completed an annual well exam by 10/31/2021. 

HRA claim reimbursement will be applied automatically. You will not need to submit manual forms or documentation for reimbursement.

Questions? Visit www.umr.com or call 800.826.9781.

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Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump-sum payment if you die while employed by Centerstone. The company provides basic life insurance of two times your base annual earnings, up to a maximum of $400,000 at no cost to you.

Spouse and Dependent coverage is also available for those who are enrolled in the Medical plan. This benefit includes $5,000 for your spouse and $2,000 for your dependent child(ren).

AD&D insurance provides payment to you or your beneficiaries if you lose a limb or die in an accident. Centerstone provides AD&D coverage of two times your base annual earnings, up to a maximum of $400,000 at no cost to you. This coverage is in addition to your company-paid life insurance described above.  

Be sure to review and, if needed, update or add the beneficiaries for your life insurance. When changes like marriage, birth, divorce, and health changes happen, it’s essential to review and, if needed, make new decisions about who will inherit your assets. 

We want you to have full control of what happens to your funds in case of emergency. If you do not designate a primary beneficiary, the payment may pass to your estate where your state law may determine who receives the benefit. Also, Life Insurance policy beneficiary elections will override your will. Please be sure your wishes are covered in both documents. 

Beneficiaries can be added and updated in Workday at any point during the year. Simply navigate to your benefit screen, select “change benefits” and check to submit the change reason of “Change Beneficiary & Allocation.” Workday will walk you through all the steps needed to make the change. Look for a confirmation to be sure you fully completed your new beneficiary election. (Important: you will need to do this for each life insurance plan you may have.)

Union Contract #1 members are not eligible for the Company provided Basic Life and AD&D Insurance.

Union Contract #2 grandfathered members are eligible for the Company provided $25,000 of Basic Life Insurance.

*The Benefit Summary shown on this site is for the Centerstone core benefit plan. Benefits may differ based on location and/or contract type with the company.

Questions? Visit https://www.newyorklife.com/group-benefit-solutions/employees/group-insurance/life or call 800.732.1603

We're excited to offer a true Open Enrollment this year for the voluntary life plan. This means that you can enroll in coverage for yourself and your dependents, up to the guaranteed issue amounts, without providing Evidence of Insurability (EOI) - even if you have declined this coverage previously!

You may purchase additional life insurance in addition to the company-provided coverage. You may also purchase life and AD&D insurance for your dependents if you purchase additional coverage for yourself. You're guaranteed coverage; up to the guaranteed issue amount of $200,000 or five times your salary, whichever is less, and up to $50,000 for your spouse without answering medical questions if you enroll when you are first eligible or during Open Enrollment.

Employee — Up to five times your salary in increments of $10,000 with a $500,000 maximum amount; $200,000 guaranteed issue amount if you enroll when you are first eligible or during Open Enrollment

Spouse — Up to $500,000 in increments of $5,000, not to exceed 100% of employee election; $50,000 guaranteed issue amount if you enroll your spouse when you are first eligible or during Open Enrollment

Children— Live birth to 6 months: $1,000; 6 months to 26 years*: Up to $10,000 in increments of $2,000

*up to age 26 if the child is your tax dependent and unmarried

Employee — Up to five times your salary in increments of $10,000, max. $500,000

Spouse — Up to $500,000 in increments of $5,000, not to exceed 100% of employee election

Children — Live birth to 6 months: $1,000; 6 months to 26 years*: Up to $10,000 in increments of $2,000

*up to age 26 if the child is your tax dependent and unmarried

Be sure to review and, if needed, update or add the beneficiaries for your life insurance. Beneficiaries can be added and updated in Workday at any point during the year. Simply navigate to your benefit screen, select “change benefits” and check submit the change reason of “Change Beneficiary & Allocation.” Workday will walk you through all the steps needed to make the change. Look for a confirmation to be sure you fully completed your new beneficiary election.

Questions? Visit https://www.newyorklife.com/group-benefit-solutions/employees/group-insurance/life or call 800.732.1603

Disability coverage continues a portion of your paycheck if a serious illness, injury, or pregnancy occurs. The goal of the disability plan is to provide you with income replacement should you become disabled and unable to work due to a non-work-related illness or injury.

We're offering a true Open Enrollment this year for the voluntary short- and long-term disability plans. This means that you can enroll in coverage up to the guaranteed issue amounts, without providing Evidence of Insurability (EOI) - even if you have declined this coverage previously!

Centerstone provides eligible employees with base long-term disability coverage and allows you to purchase additional coverage if an illness or injury prevents you from working for more than 90 days.

For employees enrolled in LTD:

*Union staff are not eligible for the company provided LTD

*LTD is voluntary and employee paid for staff in FL

Questions? Visit https://www.newyorklife.com/group-benefit-solutions/employees/group-insurance/life or call 800.732.1603

Centerstone offers you access to voluntary benefits with convenient payroll deductions and special discount programs. Some of the programs that are offered are Accident, Critical Illness, Legal Insurance, and Student Loan Relief. You may also enroll in home, auto, or pet insurance anytime during the year. Policies that need to be individually underwritten such as home, auto, and pet insurance, require that you contact Liberty Mutual directly at 615.514.0556.  

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We're pleased to announce a new partnership for 2022 with Navigate Wellbeing Solutions! The Navigate program promotes personalized well-being journeys that let everyone work on what they care about and start where they are. Users can track progress through the app, wearables, or health apps that you already use. Team and individual challenges provide structure, support, and friendly competition. We'll celebrate achievements and recognize progress with incentives and rewards. More information about this exciting new program COMING SOON!

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When you find yourself in need of some professional support to deal with personal, work, financial or family issues, your Employee Assistance Program (EAP) can assist. Eligible individuals can have up to eight free sessions. You and your immediate family (spouse and dependent children) can use this program for a variety of issues, including:

If you need help or guidance, you may reach out to the EAP at 800.766.0068 or www.centerstonesolutions.org.

Administered by Centerstone Florida

Because those who are mentally and emotionally healthy are better team members, your employer provides up to eight free, confidential counseling for you and your household members. Your EAP will provide assessment, referral, consultation, brief counseling, follow up, and education. Experienced, licensed counselors will help with:

Help is a phone call away: 941.782.4379

Life. Just when you think you’ve got it figured out, along comes a challenge. Whether your needs are big or small, your Life Assistance & Work/Life Support Program is there for you. It can help you and your family find solutions and restore your peace of mind. You have three face-to-face sessions with a behavioral counselor available to you — and your household members. Call to request a referral. 24/7 Support — Anytime. Any day.

Phone: 800.538.3543 Online: www.cignabehavioral.com/cgi OR www.CignaLAP.com

My Secure Advantage offers 30 days of pre-paid expert money coaching for all types of financial planning and challenges. It includes identity theft prevention and fraud resolution services, and online tools for state-specific wills and other important legal documents. Visit www.nylgbs.mysecureadvantage.com OR call 888.724.2262 to speak to a representative.

At New York Life Group Benefit Solutions (NYL GBS), we know losing a loved one is difficult. And we understand how challenging it can be for beneficiaries to manage their loved one's insurance benefits among other pressures during such a difficult time. That's why, as part of the NYL GBS Survivor Assurance program, we offer services to support beneficiaries while they need it most, including A NYL GBS Survivor Assurance account in your name. You can access these funds easily by writing a check from the book of drafts being sent to you. If you have questions, call 800.570.3778.

Take advantage of a worldwide travel assistance program including pre-trip planning, help while traveling and emergency support for trips more than 100 miles from home. For assistance anywhere in the world, call 888.226.4567 (US and Canada) or 202.331.7635. Please indicate that you are a member of the NYL GBS Secure Travel program.

Get professional help with a wide range of healthcare and health insurance challenges, such as finding a doctor, picking a medical or dental plan, understanding test results, locating a nursing home, managing doctors’ bills, and more. Services are available to the entire family — including parents and parents-in-law. For assistance, call 866.799.2725 24 hours a day, 7 days a week.

New York Life Disability customers can access the Work Wellness website for information on how to submit a disability claim, what to expect when you are on disability and when you are returning to work, general information on family medical leave, and tips for managing your particular health condition at work. Visit www.newyorklife.com/group-benefit-solutions/employees/work-wellness for information.

The Calm App brings calm to the workplace. Calm improves employee well-being by promoting better sleep, reducing stress and anxiety, and developing more mindfulness. Have free access to the app and full content library.

If you’re just starting out in your career, your most valuable asset is time. Even small contributions to your retirement investments can grow dramatically by the time you retire. Even if you’re well into your career, it’s never too late to start saving for your retirement.

Administered by Principal

Centerstone of America employees can begin investing in your future by enrolling in the Traditional 403(b) and/or the Roth 403(b) Retirement Plans. Consider these advantages:

Centerstone of America strongly encourages you to consider the variety of ways you can save and invest, including receiving the additional benefit of the Centerstone matching contribution. In order to be eligible for your employer match, employee will have worked 1,000 hours.

Employees must enroll via the Principal website and enter your contribution rate. 

Union contract 1 employees do not receive an employer match to the 403b/Roth. The employer contribution is made to the Laborer’s International Union of North America (LIUNA) pension plan per the Union contract.

Questions? Visit www.principal.com or call 800.547.7754

Pocketnest is the only comprehensive financial planning resource that has bank-level security without high premiums, no strings attached, promise. And, it's built for those who aren't finance wizards. The Pocketnest app puts you in the drivers seat of your financial planning through a DIY process and step-by-step guidance through all ten themes of financial planning. They get to know you and create recommendations customized to your unique financial situation.

Questions? Visit https://www.pocketnest.co/diag

WeeCare takes the stress out of finding quality childcare. Match with the best daycare providers and find childcare that meets your unique needs. Search, tour, and enroll from the palm of your hand. 

Questions? Visit weecare.co or call 213.401.4964

Welcome to your employee homeownership program! As part of your employee benefits package, you are eligible for a unique homeownership program that can provide you with financial education, resources, significant savings when buying, selling, or refinancing a home, and access to non-commissioned advisors who can guide you every step of the way.

Schedule a time to talk with your benefits advisor to discuss your needs and learn which benefits can help you achieve your goals.

Questions? Visit www.advantagehomeplus.com or call 800.511.2197

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