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Our Family Is Crazy
JoLynn's Message

6.13.19
By: JoLynn Munro
Date: June 13, 2019

Greetings, Infinity Rehab team!

It is time for our annual open enrollment for benefits. This is your opportunity to sign up for benefits if you have not previously done so or to add or change benefits if you are currently enrolled.

The good news is we will be doing a passive enrollment this year. What does this mean for you?

No action needed:

  • If you DO NOT have or want a Flexible Spending Account (FSA) and you DO NOT intend to add or change any current benefit, you will not need to do anything.

Action needed:

  • If you DO have or want a Flexible Spending Account (FSA), you must re-enroll each year and will need to go through the process of open enrollment to elect coverage. We have the $500 rollover in place again for you this year for your Flexible Spending Account for healthcare only. If you do not re-enroll for an FSA, coverage will end June 30, 2019.
  • If you DO want to add or change any current benefit or if you DO want to enroll in benefits for the first time, you will need to go through the process of open enrollment to elect coverage.

Healthcare spending and costs are rising throughout the nation, and as a result, there are some increases to costs at Infinity Rehab. This year there will be a slight increase to your monthly out-of-pocket contribution on the traditional PPO plan for medical. Complete information will be in your open enrollment materials, which were emailed June 10, 2019.

What will change:

  • The deductible for our PPO is increasing from $1,000 to $1,200 per year. This remains consistent with the national and health care industry averages.
  • Health insurance premiums on our PPO plan will increase 6 percent for employees. The amount of money the company pays to help offset health care costs also increased, helping to lower the employee cost. Despite these increases, our overall rates remain below the national average.

For voluntary benefits:

  • We will have a guaranteed issue during our open enrollment period for short-term disability and voluntary life and AD&D. This means no medical history statements are required.
  • There is an increase to the long-term disability rates, which covers up to 60 percent of your monthly income up to a maximum of $7,000.

What will stay the same:

  • Our high deductible plan with a health savings account remains unchanged.
  • The deductible for our HSA remains the same.
  • For voluntary benefits:
    • Short-term disability rates will remain the same. We will continue to offer the choice of different levels of replacement income at 40, 50, or 60 percent of your weekly income up to $1,000.
    • Voluntary life and AD&D rates remain the same.
    • Dental services cost will not change.

Any new enrollments or increase in benefit for voluntary coverages will require you to complete medical history questions and be approved by Unum before coverage will begin for the products not listed as guaranteed issue.

Looking ahead

Despite rising healthcare costs, I am pleased that we can continue offering a comprehensive and affordable medical, dental, and insurance benefits package. These benefits complement our other highly valued benefits, including employer-paid life insurance, paid time off, CEU360 online continuing education, our annual continuing education symposiums, employee assistance program, and other career development opportunities.

Looking ahead to 2020, we plan to explore offering a medical concierge service to help you make more informed, evidenced based decisions about your own health care. Stay tuned for more about this throughout the year.

Thank you for continuing to be a part of the Infinity team,

 

JoLynn Munro, OT

Division President, Infinity Rehab


JoLynn's Message 6.13.19

By: JoLynn Munro
Date: June 13, 2019


Greetings, Infinity Rehab team!

It is time for our annual open enrollment for benefits. This is your opportunity to sign up for benefits if you have not previously done so or to add or change benefits if you are currently enrolled.

The good news is we will be doing a passive enrollment this year. What does this mean for you?

No action needed:

  • If you DO NOT have or want a Flexible Spending Account (FSA) and you DO NOT intend to add or change any current benefit, you will not need to do anything.

Action needed:

  • If you DO have or want a Flexible Spending Account (FSA), you must re-enroll each year and will need to go through the process of open enrollment to elect coverage. We have the $500 rollover in place again for you this year for your Flexible Spending Account for healthcare only. If you do not re-enroll for an FSA, coverage will end June 30, 2019.
  • If you DO want to add or change any current benefit or if you DO want to enroll in benefits for the first time, you will need to go through the process of open enrollment to elect coverage.

Healthcare spending and costs are rising throughout the nation, and as a result, there are some increases to costs at Infinity Rehab. This year there will be a slight increase to your monthly out-of-pocket contribution on the traditional PPO plan for medical. Complete information will be in your open enrollment materials, which were emailed June 10, 2019.

What will change:

  • The deductible for our PPO is increasing from $1,000 to $1,200 per year. This remains consistent with the national and health care industry averages.
  • Health insurance premiums on our PPO plan will increase 6 percent for employees. The amount of money the company pays to help offset health care costs also increased, helping to lower the employee cost. Despite these increases, our overall rates remain below the national average.

For voluntary benefits:

  • We will have a guaranteed issue during our open enrollment period for short-term disability and voluntary life and AD&D. This means no medical history statements are required.
  • There is an increase to the long-term disability rates, which covers up to 60 percent of your monthly income up to a maximum of $7,000.

What will stay the same:

  • Our high deductible plan with a health savings account remains unchanged.
  • The deductible for our HSA remains the same.
  • For voluntary benefits:
    • Short-term disability rates will remain the same. We will continue to offer the choice of different levels of replacement income at 40, 50, or 60 percent of your weekly income up to $1,000.
    • Voluntary life and AD&D rates remain the same.
    • Dental services cost will not change.

Any new enrollments or increase in benefit for voluntary coverages will require you to complete medical history questions and be approved by Unum before coverage will begin for the products not listed as guaranteed issue.

Looking ahead

Despite rising healthcare costs, I am pleased that we can continue offering a comprehensive and affordable medical, dental, and insurance benefits package. These benefits complement our other highly valued benefits, including employer-paid life insurance, paid time off, CEU360 online continuing education, our annual continuing education symposiums, employee assistance program, and other career development opportunities.

Looking ahead to 2020, we plan to explore offering a medical concierge service to help you make more informed, evidenced based decisions about your own health care. Stay tuned for more about this throughout the year.

Thank you for continuing to be a part of the Infinity team,

 

JoLynn Munro, OT

Division President, Infinity Rehab

© 2019 Avamere Family of Companies
© 2019 Avamere Family of Companies
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© 2019 Avamere Family of Companies