CSAA IG Benefits Launchpad
Welcome!
Destination Health is more than an end point – it's a promise to ourselves and those who depend on us to live our best lives, and make smart choices on our lifelong journey to physical, mental, social and financial well-being.
Use this resource center and check out the 2022 Benefits Guide to learn more about the benefits available to you to support your journey to a healthy destination in 2022 and beyond! Bookmark this site to find on-demand 2022 benefits information for you and your family all year long.
Select a category at the top of the page to learn more about each benefit plan or program. You can also watch videos, view documents and find links for additional details.
New! Click above to View and Download the comprehensive guide to your Health Support Benefits
OPPORTUNITIES TO ENROLL
To enroll or make changes to your benefits, click on the My Health & Benefits Enrollment Site or call the Employee Benefits Service Center at 844-896-0170 option one with questions and to enroll by phone.
For more information on enrollment and benefit change opportunities, see the How to Enroll section of the 2022 Benefits Guide.
As a new eligible employee
Within 30 days of your hire date. Benefits begin first day of the month following hire date, if you enroll within the 30-day election period
If you experience a qualifying life event
Request change within 30 days of qualifying event
During
open enrollment
Held annually during the fall
A change to an
eligible position
Within 30 days of eligible date
Benefits Enrollment Resources (Downloads)
Additional details about your benefits are available in the Summary Plan Descriptions (SPDs), made available to you as a plan participant. If there is any conflict between the information presented on this Microsite and these other resources and the official plan documents, the official plan documents will govern. The company reserves the right to amend or terminate the plan or any programs under the plan at any time.
Have benefit questions?
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | Medical, Dental and Vision
2022 Medical Plans
CSAA IG offers two medical plan options administered by UnitedHealthcare (UHC) and one Kaiser DHMO option (California employees only). These plans are designed to offer you choice with excellent care at a variety of costs. All three medical plan options include prescription coverage and 100% coverage for preventive care.
Review the Medical Plan Comparison Chart for plan details and rates to select the best plan for you and your family. Also review how to search the UHC network and select a Primary Care Physician (PCP).
UnitedHealthcare In-Network Plan
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This plan only covers benefits in the UnitedHealthcare network and there is no out-of-network coverage. The plan has lower deductibles. Office and therapy visits, basic labs, and prescription drugs are covered at a copay (without needing to meet an annual deductible). To receive the highest benefit coverage, you must have a Primary Care Provider (PCP) and a referral to see a “Tier 1” provider. You will be assigned a PCP if no selection is made, and you may change your PCP monthly. Coverage is provided if you use other network providers (not in Tier 1) (with or without a PCP referral); however, it will cost you more.
- You will be enrolled in a Health Reimbursement Arrangement (HRA) and the company will deposit money into this account for completing well-being activities. The HRA can be used for eligible out-of-pocket medical, dental, vision, and prescription expenses.
UnitedHealthcare HSA Compatible Plan
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This plan is a high deductible plan with a tiered benefit structure, which means you must visit a “Tier 1” provider to receive benefits at the highest level. All other in-network care provided will be paid at the Tier 2 benefit level. This plan also allows for care received outside of the network; however, this will come at a lower benefit level. A PCP and referrals are not required however it is recommended, and you will be assigned a PCP if no selection is made. You may change your PCP monthly.
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You may be eligible to enroll in a Health Savings Account (HSA) to receive company base contributions and well-being incentives for completing activities. You can also make your own contributions to the HSA.
For more information on how the UnitedHealthcare plans work, check out the UnitedHealthcare Medical Plans Frequently Asked Questions.
Kaiser DHMO Plan
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Kaiser is a Health Maintenance Organization (HMO) that focuses on preventive care within one network – the Kaiser network. The Kaiser DHMO Plan includes a deductible for some services. Other services such as primary care, specialist, mental health office visits and prescription drugs are based on a small copay with no deductible.
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You will be enrolled in a Health Reimbursement Arrangement (HRA) and the company will deposit money into your HRA for completing well-being activities.
To learn more about the Kaiser DHMO click here to view a brief overview on the Kaiser health plan.
Dental Plan Options
CSAA IG offers the choice between two dental Preferred Provider Options (PPO) options to meet your needs:
- The Delta Dental Premier PPO plan has a higher cost per pay period premium with a higher level of annual benefits.
- The Delta Dental Standard PPO plan offers basic coverage at a lower premium cost.
Both dental PPO options cover preventive care, which includes two cleanings per year covered at 100%. Orthodontia is also covered for children and adults, with different lifetime benefit maximums.
You can choose any dentist for your dental care, but you will save the most when you use a dentist in the Delta Dental PPO Network. Delta Dental PPO Network dentists charge reduced fees for covered services, so you’ll pay less out-of-pocket expenses for dental care. If you use a non-Delta Dental PPO Network dentist, you’ll pay your typical share for the dental care, in addition to any amount the provider charges above what is reasonable and customary for the given service.
Dental Plan details can be found in the Dental Benefits Plan Comparison chart. Visit the Delta Dental website and select a PPO network dentist.
Delta Dental Website | Phone: 800.765.6003
Vision Plan
The vision plan, administered by Vision Service Plan (VSP), helps monitor the health of your eyes and minimizes the cost of eyeglasses or contact lenses. Exams, frames, lenses and contact lenses are allowed every 12 months. To maximize your vision benefits, you are encouraged to use a VSP provider. Member discounts are available on contact lens supplies, Lasik surgery, and other services. The VSP Signature network includes numerous private and retail providers including Sam’s Club, Costco and Walmart.
To locate a provider near you, visit VSP.com. To search for a Signature network provider, click on “Advanced Search” button under “Find a Doctor” to Select “Signature” under “Doctor Network.
Vision care practices that participate in the Premier Program as designated on vsp.com offer the latest eye care technology and services through the use of high-tech equipment, access to bonus offers, and more.
Computer Vision Care Program (Employee only coverage)
Employees will also have access to the Computer Vision Care Program designed to meet the specific health and vision needs of computers users. Click on the program below for more information.
Primary Eye Care Plan
The program provides coverage of an additional eye care service for members with diabetic eye disease, glaucoma, or age-related macular degeneration. Click on the program below for more information.
Watch "VSP Vision Care: See Well. Be Well"
VSP Website | Phone: 800.877.7195
Plan Documents (Downloads)
Have benefit questions?
UnitedHealthcare: 877.835.9856, Myuhc.com
Delta Dental: 800.765.6003, deltadentalins.com/csaa
VSP: 800.877.7195, VSP.com
Kaiser: 800.464.4000, KP.org
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | Health and Tax Savings Accounts
CSAA IG provides different types of healthcare savings and reimbursement accounts to save money on your health, dependent care and commuter expenses.
New Health Savings Account (HSA) and Health Reimbursement Arrangement (HRA) Company Base Contributions and Wellness Incentives in 2022 to align with richer medical plan benefits!
HSA with UnitedHealthcare HSA Compatible Plan enrollment:
- Company Base contribution $200 Individual / $400 Family
- Company Well-being incentives upon completion up to $400 Individual / $800 Family
HRA with UnitedHealthCare In-Network and Kaiser DHMO Plan enrollment:
- Company Well-being incentives upon completion up to $400 Individual / $800 Family
If you made a change to your medical plan for 2022, see how your health and tax account eligibility may change.
- The Health Savings Account (HSA) is for employees enrolled in the UnitedHealthcare HSA Compatible Plan. The company helps pay for the cost of your out-of-pocket medical, dental, vision, and prescription drugs expenses with a base (company) contribution into the HSA. You can receive additional contributions by completing well-being activities. You may also contribute tax-free dollars to your HSA*. The IRS determines the total annual amount that can be contributed to an HSA from all sources.
* State tax applies in California and New Jersey
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Health Care Reimbursement Account (HCRA) is for employees enrolled in the Kaiser DHMO Plan, UnitedHealthcare In-Network Plan, waived the CSAA IG medical plan, or employees who are not eligible for the HSA. You are eligible to set aside your own money on a pre-tax basis in the HCRA for eligible medical, dental, vision, and prescription drug expenses. This plan is considered a use-it-or-lose-it account.
- Health Reimbursement Arrangement (HRA) is for employees enrolled in the UnitedHealthcare In-Network or Kaiser DHMO Plans or for employees who are ineligible for the HSA. For these medical plans, you will automatically be enrolled in an HRA and company contributions are dependent on your participation in well-being activities. You may use your HRA for out of pocket medical, dental, vision and prescription drug expenses. You are eligible to carry over funds into the following year as long as you are eligible for the account.
- Limited Purpose Reimbursement Account (LPRA) is for employees who have an HSA account to set aside their own money on a pre-tax basis into the LPRA for eligible dental and vision expenses only. This plan is considered a use-it-or-lose-it account.
The Reimbursement Accounts are administered by Optum Financial and the Health Savings Account is administered by Optum Bank, a subsidiary of Optum Financial. For all accounts log on to www.Optumbank.com to manage your accounts.
Optum Bank Website 800.243.5543
CSAA IG offers two non-healthcare tax savings accounts to help you save on dependent care and commute expenses. By setting aside pre-tax money from your paycheck in a special account for these expenses, you save on federal, state, and local income taxes.
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Dependent Care Reimbursement Account (DCRA) - The DCRA allows you to set aside money up to the IRS allowed amount on a pre-tax basis to cover dependent care expenses, such as day care or afternoon programs.
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Transit Commuter Account Program (TCAP) - The TCAP allows you to set aside pre-tax dollars up to the allowed amount to pay for eligible parking and transportation expenses. Enrollment in the TCAP is allowed between the first and 20th of the month for the following benefit month. New hires are eligible the first of the month after their hire date.
The Reimbursement Accounts are administered by Optum Financial. The Optum Bank (subsidiary of Optum Financial) Mastercard can be used for both tax savings accounts.
Optum Bank Website 800.243.5543
Plan Documents (Downloads)
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | Life, AD&D and Disability
Basic Life Insurance
At no cost to you, CSAA IG provides Basic Employee Life Insurance coverage at two times annual salary up to a maximum of $1,000,000. Coverage is automatic - you are not required to enroll.
Supplemental Life Insurance
For additional protection, you may elect to purchase Supplemental Life Insurance coverage for yourself, your spouse or domestic partner, or your children.
Accidental Death and Dismemberment (AD&D)
You may also purchase AD&D coverage for yourself and your family up to a maximum of $750,000.
Beneficiaries
Ensure your life insurance benefits are paid how you want by designating your beneficiary or beneficiaries when you enroll or make changes as needed. View the instructions below for updating your beneficiary.
Additional group insurance programs
Legacy Planning Services, Beneficiary Financial Counseling, Legal Services and Travel Assistance Services to help protect your financial wellness are available at no cost to you as outlined in the Lifestyle Benefits information below.
Do you have enough Life Insurance Coverage? Try Benefit Scout to answer a few simple questions about your needs and situation to get personalized recommendations for you and your budget.
Life Insurance Portability/Conversion
If you are no longer eligible for coverage as an active employee, you can convert or port your group life insurance to individual life coverage. You’ll need to submit your completed conversion or portability form to Securian within 30 days of termination. You're responsible for payment of insurance premiums. The forms are available in the Benefits Guide for Employees Leaving the Company located on Vista.
Securian Website Phone: 866.293.6047
Short-Term Disability
Short-Term Disability (STD) coverage pays you a benefit if you are temporarily unable to work due to injury, illness or pregnancy. CSAA IG provides STD coverage to all eligible employees - you do not need to elect coverage. After seven days of disability, you may be eligible to receive STD benefits replacing a percentage of your weekly salary for up to 26 weeks, reduced by other sources of disability income.
Long-Term Disability
If your disability continues beyond 180 consecutive days and you meet the plan's definition of disability, Long-Term Disability (LTD) provides a monthly income replacement of 60% of your monthly salary up to $20,000. CSAA IG provides all eligible employees with LTD insurance from New York Life (formerly Cigna) - you do not need to elect coverage.
NYLife (formerly Cigna) Website Phone: 888.842.4462
Plan Documents (Downloads)
Have benefit questions?
Email:
FAX: 888.280.8281
Securian: 866.293.6047 securian.com
NYLife (formerly Cigna): 888.842.4462, FAX: 866.931.5095 NYLife (Formerly Cigna)
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | Voluntary
The Critical Illness and Accident Protection Plans offer financial protection for you and your family to help give you peace of mind when the unexpected happens. These voluntary benefits are employee paid and offered through payroll deduction.
Critical Illness Insurance
The voluntary UHC critical illness coverage provides a lump-sum cash benefit to help cover direct and indirect costs associated with a qualifying serious illness (pre-existing conditions may apply). Critical illness insurance coverage can help pay for expenses such as rent, mortgage or other daily living expenses, as well as health-related expenses not covered by major medical insurance. You can purchase coverage for yourself, and for your dependents – provided you purchase coverage for yourself first.
Accident Insurance
The UHC Accident Insurance Protection Plan can pay for expenses resulting from a covered accident or accidental death and dismemberment not covered by your medical plan. This benefit can complement your medical and disability insurance to help you pay for unexpected or common costs such as medical deductible, coinsurance, emergency room visits, physician office visits and hospital charges. This coverage is available to purchase for yourself and dependents.
Have benefit questions?
UHC Critical Illness, Accident Insurance 800.444.5854
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | EAP and Work-Life
Employee Assistance Program
CSAA IG provides an Employee Assistance Program (EAP) through Health Advocate. This completely confidential service is available at no cost to eligible employees and dependents.
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Up to 10 visits with a counselor (face to face or video), per issue:
relationship/family issues, parenting;
job concerns, burnout, coworker conflicts;
depression, anxiety, anger, grief, loss; addiction, substance abuse
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Work/life services providing assistance finding childcare and elder care
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Legal, financial and ID theft counseling and services
Expert healthcare and related professional resources
Personal Health Advocates can help you get to the right care at the right time and resolve a wide range of related issues. They can:
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Coordinate services related to all aspects of your care
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Find the right in-network doctors and make appointments
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Resolve insurance claims and medical billing issues
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And much more!
Health Advocate Website Contact Us: 866.799.2728
Additional Mental Well-Being Resources
A variety of resources are available to support your overall mental well-being. Explore our toolkit for all employees linked below. If you’re enrolled in a company medical plan, you have additional benefits and programs available to support your mental well-being. Click the buttons below for UnitedHealthcare and Kaiser.
Have benefit questions?
Employee Assistance Program (EAP)
Health Advocate: 866.799.2728 healthadvocate.com
Email: answers@HealthAdvocate.com
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | Retirement
Retirement Planning
Saving for retirement is one of the most important things you can do to provide for your financial future, whether you plan to retire soon or many years from now. The CSAA IG 401(k) Plan, serviced by Empower, provides an easy, convenient and powerful way to help you build savings and reach your retirement goals.
CSAA IG 401(k) Plan
- Employees are eligible to contribute 1-50% subject to IRS limits after three months of service
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CSAA IG offers traditional 401(k) and Roth 401(k) options along with the opportunity to make separate after-tax contributions
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CSAA IG matches 100% of 401(k) and/or Roth 401(k) contributions up to 6% of pay
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Employees may be eligible for a profit-sharing contribution after one year of service
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Employer contributions are 100% immediately vested
CSAA IG Cash Balance Retirement Plan (frozen)
- Plan was closed to new participants and quarterly pay credits were discontinued effective 12/31/2020
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Eligible employees continue to receive quarterly interest earnings
Empower Retirement Website Phone: 877.778.2100
Financial Wellness
CSAA IG partners with Empower to offer a Financial Wellness program that helps you take control of your day-to-day finances and achieve your savings and retirement goals.
Empower provides resources to help you build for every stage of life — whether it's saving for an emergency via after-tax contributions in your 401(k) Plan, managing student loans, paying off debt or planning for retirement.
Online tools and resources available on the Empower site include:
- Virtual one-on-one consultations with a retirement counselor
- Financial wellness assessment
- Retirement income calculator
- Emergency savings calculator
- Articles on financial topics
- Budgeting tools and debt manager
Plan Documents (Downloads)
© 2021 CSAA Insurance Group
CSAA IG Benefits Launchpad | Well-Being
Your health and well-being are essential to your professional and personal success. Living Healthy at AAA is more than making good choices each day. While your physical health is a critical piece of the puzzle, other elements impact our health, happiness and financial well-being – in addition to the well-being of those who depend on us. Our Living Healthy at AAA program supports the whole you – body, mind, and finances.
Investing in You
For changes big and small, we offer well-being incentives to encourage participation and education in strengthening your well-being. These incentives are available to all employees, regardless of medical plan enrollment status. For those employees and spouses/domestic partners enrolled in a company medical plan, additional incentives are available. See the 2022 Rewards flyer for more details.
Supporting Your Well-being
Our program is designed to help you improve your physical and social well-being, enjoy mental and emotional balance, and reach your financial goals. You can choose from, engage in and be rewarded for a wide variety of healthy activities.
Virgin Pulse Well-being Platform
Virgin Pulse is a mobile-first platform for all employees plus spouses/domestic partners who are enrolled in a CSAA medical plan. This platform is designed to help you focus on your well-being and earn rewards for doing so (i.e., gift cards and HSA/HRA incentives). Employees will be able to connect socially with each other through the platform and invite up to 10 friends and family from outside the company. Get started today!
Health Support Resources
Explore online weight loss programs offered to UnitedHealthcare and Kaiser members
Learn more about diabetes care management programs offered to UnitedHealthcare and Kaiser members
Second opinion services available to all members enrolled in a CSAA IG medical plan.
ClassPass, providing access to on-demand video workouts, in-person fitness classes, and studio and gym access
A comprehensive guide to your CSAA Insurance Group Health Support Benefits including fertility, LGBTQ+, cancer, and heart condition resources
Learn more about orthopedic and pain resources plus how to manage chronic pain
Health Education Library
Have benefit questions?
Contact us on ways to get started on your well-being activities! LivingHealthy@csaa.com.
© 2021 CSAA Insurance Group
