Improving Lives TO ENROLL CALL: One Driver at a Time CHOICE

Transcription

1 Improving Lives One Driver at a Time TO ENROLL CALL: CHOICE

2 Improving Truckers Lives Table Of Contents ABOUT US 3 ITG HEALTHCARE EXCHANGE ENROLLMENT INSTRUCTIONS ITG CHOICE MEMBERSHIP 5 ITG MEMBERSHIP BENEFITS 6 PRODUCT OVERVIEWS & RATES ITG WellMec 8 Limited Medical 9-10 MyHealthPass 11 Accident 12 Short-Term Disability 13 Critical Illness 14 Term Life 15 Permanent 16 Life Option Plus Whole Life ITG Dental 17 ITG Vision 18 Notes 19 2 ITG Benefits

3 About ITG Improving Truckers Lives Independent Truckers Group (ITG) is a national membership organization that has 17 years of experience supporting the Independent Owner Operator, Fleets, Agents, and Motor Carriers. ITG was organized for the purpose of providing services and benefits to improve life for the independent driver. Membership into ITG offers access to a series of exclusive discounts and services tailored to the needs of our members. In addition a host of supplemental life and health insurance plans have been negotiated for members, that can be obtained on a voluntary basis, for an additional premium. ITG Healthcare Exchange Health Insurance is unfordable and ACA penalties are unavoidable until now! The ITG Program, for independent contractors, allows for unprecedented flexibility and creativity in addressing the spiraling cost of healthcare. Membership with ITG combines membership products and services with exclusive insurance programs carefully negotiated for members. Underwriting offers require little or no health information resulting in, Guaranteed Issue, or Modified Guaranteed Issue, on all group products. Enrollment in ITG is simple, easy and quick! New contractors are eligible to enroll for insurance programs 30 days after their contract date. And if you want to increase your coverage limits, you will just need to answer a few health questions. However, you must be a member to participate. Enrollment Instructions Enrollment is handled through our call center. Representatives visit some terminals - watch for announcements! To Enroll Call Your voice recording will serve as your signature for membership and applications for insurance Please review the information in this booklet. After you have reviewed the benefits and rates, call your representative. They can answer your questions and assist in your enrollment. More information is available at A confirmation of your benefit elections, cost, effective date, and deduction start date will be mailed or ed to you upon completion. ITG Benefits 3

4 Improving Truckers Lives MEMBER BENEFITS 4 ITG Benefits

5 ITG Choice Membership Improving Truckers Lives Included in ITG Choice Membership for $10.00/mo ITG Membership provides an array of life, health, and supplemental insurance products as well as value added discounts and services. The ITG Choice Membership is available to members at $10.00 per month. Outlined below are the membership benefits and insurance options for members. $5,000 Term Life Insurance Repatriation Benefits Healthy Back Prescription Discounts Boss Shop Discounts Tire & Break Discounts Service Call Discounts Roadside Assistance with Boss Shop Exclusive ITG Healthcare Exchange Insurance ITG WellMEC Limited Medical MyHealthPass Accident Disability Critical Illness Term Life Permanent/Whole Life ITG Dental ITG Vision Additional information is attached regarding each benefit listed above. If you wish to become a member, ITG representatives will review all benefits and help you complete the necessary forms to activate membership. Call now: Thank you for your interest in the ITG Choice membership and Independent Truckers Group. THIS IS NOT INSURANCE ITG Benefits 5

6 Improving Truckers Lives ITG Membership Benefits Membership Benefits Details $5,000 Term Life Insurance: Issued to all members of ITG by Boston Mutual Life Insurance Company Domestic Return of Mortal Remains: AXA Assistance will arrange for the transportation of the mortal remains to the member s location of permanent residence. We help obtain and organize the necessary documentation and authorization for such transportation, as well as assist in the preparation for the transport of the remains, including arrangements for an appropriate container. ITG Member Boss Shop Discounts: An account would be set up in our POS system that ITG members can access at any of our locations to capitalize on the discount. Members would be provided with this account number They would be required to identify themselves as an ITG member via some form of identification. Truck PMs, Brakes, and Gear Box PM Package-- $20.00 discount each Tires* (Cash Purchase) $10.00 discount per tire Service Call $10.00 discount on hourly labor rate ASCE & TIA certified technicians. 24 hour emergency roadside service operated at all of our locations. Boss Shop smart phone app MyHealthyBack 8 week Back Pain Relief and Strengthening Program Prescription Drug Concierge and Discounts: Retail and Mail order discounts up to 80% on Prescription Drugs. Convenient Phone app (RX Valet) 6 ITG Benefits

7 Improving Truckers Lives HEALTH INSURANCE ITG Benefits 7

8 Improving Truckers Lives WELLMEC PLAN MINIMUM ESSENTIAL COVERAGE WellMEC is an affordable, innovative healthcare plan that provides preventive care, vaccinations and wellness services. Additionally, WellMEC is compliant with the minimum essential coverage requirements of the Affordable Care Act. The WellMEC eliminates or reduces the ObamaCare shared responsibility tax penalty. The WellMEC plan provides drivers and their families with preventive and wellness benefits while satisfying the Individual Shared Responsibility penalty imposed by the IRS. Also, If you are an employer you will satisfy the Employer Mandate by having your drivers enroll in the WellMEC plan, creating a penalty-free workplace. *Minimum Essential Coverage is the type of coverage you need to avoid the Individual Shared Responsibility fee which is the greater of and $2,085 for a family or 2.5% of your adjusted gross income ($695 for individual). With the penalty payment approach, you receive no benefits. WHY CHOOSE THE WELLMEC PLAN? Affordable Low Monthly Costs No Co-Pays No Deductibles Nationwide Network AVOID the IRS tax penalty(s) Monthly Rates MEMBER MEMBER + SPOUSE MEMBER + CHILD(REN) MEMBER + FAMILY $85.00 $ $ $ ITG Benefits

9 LIMITED MEDICAL Member Limited Medical Plans Provides limited medical coverage for accidents, illness and specified disease to help cover basic, minor-medical expenses for members that are not eligible for major medical and would like an affordable option. INPATIENT (1) Plan #1 Plan #2 Plan #3 Hospital admission benefit amount per day $500 per day x 2 days $750 per day x 2 days $1,000 per day x 2 days Hospital confinement benefit amount per day $500 $750 $1,000 - Maximum Benefit 150 days per year 150 days per year 150 days per year Surgery benefit amount (incl. maternity) per day $500 per day x 1 day $500 per day x 1 day $500 per day x 1 day Anesthesia benefit amount - per day $125 per day x 1 day $125 per day x 1 day $125 per day x 1 day Intensive care benefit (ICU) per day $500 per day x 30 days $750 per day x 30 days $1,000 per day x 30 days OUTPATIENT (1) Physician Office Visit Pre-pay (2) $10 $10 $10 Benefit amount per day $50 per day x 5 days $75 per day x 5 days $100 per day x 5 days Annual Physical (Wellness) benefit amount per day $50 x 3 days $75 x 3 days $100 x 3 days Emergency Room (sickness) benefit amount per day $50 per day x 1 day $75 per day x 1 day $100 per day x 1 day Surgery benefit amount per day $100 per day x 1 day $150 per day x 1 day $250 per day x 1 day - Anesthesia benefit amount - per day $25 per day x 1 day $38 per day x 1 day $63 per day x 1 day Diagnostic, X-ray, Lab - benefit amount per day: $50 per day x 3 days $75 per day x 3 days $100 per day x 3 days ACCIDENT MEDICAL COVERAGE (1) Inpatient or Outpatient Accident maximum benefit amount per year up to: $5,000 per year $5,000 per year $5,000 per year Benefit % payable 80% U&C 80% U&C 80% U&C Deductible per Accident $100 $100 $100 PRESCRIPTION (3) Retail - Generic RX copay $10 $10 $10 Retail - Preferred Brand RX copay $30 $20 $20 Mail Order - Generic RX copay $30 $30 $30 Mail Order - Preferred Brand RX copay $90 $60 $60 Monthly benefit maximum INDIVIDUAL/FAMILY $100/200 $300/600 $300/600 CRITICAL ILLNESS/AD&D/LIFE Critical Illness (1) benefit amount payable for 10 conditions $2,500 $5,000 $10,000 Accidental Death & Dismemberment (1) benefit amount $10,000 $10,000 $10,000 Term Life Insurance (4) benefit amount* $10,000/1,000/1,000 $10,000/1,000/1,000 $10,000/1,000/1,000 OTHER SERVICES (5) Teladoc: Telephonic Doctor Office Visits Yes Yes Yes SupportLinc Member Assistance Program Yes Yes Yes First Health PPO Discounts Yes Yes Yes Improving Truckers Lives Monthly Rates Plan #1 Plan #2 Plan #3 MEMBER MEMBER + SPOUSE MEMBER + CHILD(REN) MEMBER + FAMILY $ $ $ $ $ $ $ $ $ $ $ $ (1) The Fixed Hospital Indemnity, Outpatient Accidental-Only, Inpatient Accidental-Only, Critical Illness and AD&D Benefit Plans are underwritten by AXIS Insurance Company. (2) The office visit prepay is a service through the First Health PPO Network. (3) Prescription benefits are underwritten by an A.M Best Rated Carrier (4) Term Life is underwritten by Amalgalated Life. (5) These services are not insurance and are not provided by the underwriting companies shown here. *Benefit amounts listed are for: Member/Spouse/Child(ren) Notice The insurance described in this proposal provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. ITG Benefits 9

10 Improving Truckers Lives HEALTHCARE ASSIST HealthCare Assist Plans Provides supplemental insurance coverage for Members who may have other high deductible plans. These plans focus on the unexpected by offering outpatient accident, medical, hospitalization and critical illness coverage at a price Members can afford. OUTPATIENT ACCIDENT COVERAGE (1) -Deductible per Accident -Paid at INPATIENT BENEFIT (1) -Day 1 cash benefit -Day 2+ cash benefit per day CRITICAL ILLNESS (1) Payable for 10 conditions: Cancer, Heart Attack, Renal Failure, Stroke, Major Organ Transplant, Multiple Sclerosis, Coronary Artery Bypass Surgery, Alzheimer s, ALS, Terminal Illness. ACCIDENTAL DEATH & DISMEMBERMENT Member Spouse Child(ren) $2,500 Plan $5,000 Plan $10,000 Plan $0 100% $500 per day x 1 day $500 per day x 4 days $0 100% $1,000 per day x 1 day $800 per day x 5 days $0 100% $1,000 per day x 1 day $1,000 per day x 9 days $2,500 $5,000 $10,000 $5,000 $2,000 $1,000 $10,000 $5,000 $1,000 $15,000 $5,000 $1,000 (1) The Fixed Hospital Indemnity, Outpatient Accidental-Only, Critical Illness and AD&D Benefit Plans are underwritten by AXIS Insurance Company. (2) Prescription benefits are underwritten by an A.M. Best Rated Carrier. (3) These services are not insurance and are not provided by the underwriting companies shown here. *Benefit amounts listed are for: Member/Spouse/Child(ren) Notice The insurance described in this proposal provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. not Monthly Rates $2,500 Plan $5,000 Plan $10,000 Plan MEMBER MEMBER + SPOUSE MEMBER + CHILD(REN) MEMBER + FAMILY $28.29 $42.46 $56.90 $67.05 $55.73 $90.53 $ $83.65 $ $ $ $ ITG Benefits

11 MYHEALTHPASS Would you like to have Access to Healthcare Services Anytime, Anywhere? With MyHealthPass, a doctor is just a phone call away, instead of waiting weeks for a visit or wasting hours in a germ-infested waiting room; you can provide your family with the peace-of-mind you deserve when it comes to accessible quality healthcare. Improving Truckers Lives WHY CHOOSE INDEPENDENT TRUCKERS MY HEALTH PASS? 24/7 access to U.S. board certified doctors No Deductibles No Co-Pays For Office Visits Prescriptions available right over the phone No Waiting Periods - account activation within 1 business day. INCLUDED BENEFITS: 24/7 Doctors on-call Health Advocates HealthPass Labs HealthyBack Health PricingTool Rx Pricing Cloud Health Records Monthly Rate $24.95 SPOUSE AND/OR CHILDREN INCLUDED AT NO ADDITIONAL CHARGE ITG Benefits 11

12 Improving Truckers Lives ACCIDENT INSURANCE Accidents and injuries can happen at any place at any time. As your family s most important asset, it is important to protect yourself and make sure you can bounce back from whatever life may throw at you. The accident insurance plan offers Guaranteed Issue Off-the-Job coverage for accidents. COVERAGE HIGHLIGHTS: Hospital Benefits - Pays up to$2,000 Hospital, Admission, Hospital Confinement, Hospital Intensive Care, Lodging, Rehabilitation Unit, and more. Emergency Care - Pays up to $1,000 Emergency Room, Ambulance, Air Ambulance, Blood, Plasma, Appliances, Internal Injuries, Exploratory Surgery, Diagnostic Imaging, Continuing care. Specific Loss - Pays up to $20,000 Burns, Concussion, Emergency Dental Work, Eye injury, Gunshot wound, Laceration, Prosthetics, Ruptured Disc, Repairs of tendons/ligaments/ rotator cuff. Dislocations - Pays up to $8,000 Fractures - Pays up to $10,000 Major Injury - Pays up to $100,000 Coma, Dismemberment, Catastrophic Accident (payable after 365 day elimination period) ACCIDENTAL DEATH: WITHIN 90 DAYS FROM THE DATE OF A COVERED ACCIDENT Employee $100,000 Spouse $100,000 Children $20,000 *Check your certificate for a complete listing of benefits and benefit amounts. Monthly Rates MEMBER MEMBER + SPOUSE MEMBER + CHILD(REN) MEMBER + FAMILY $8.41 $15.12 $22.45 $ ITG Benefits

13 SHORT-TERM DISABILITY How long can you go without a paycheck? Short Term disability is income replacement if you are unable to work due to partial or total disability. The Short Term disability plan helps replace up to 60% of your salary if you are unable to work due to total or partial disability. Guaranteed Income During Illness or Accident. Improving Truckers Lives Non-Occupational Coverage: Covers disability due to off-the- job injuries and sickness. Total Disability: Pays the monthly benefit when a covered member is totally disabled and unable to work. Partial Disability: A limited benefit when returning to work to offset reduced earnings. Waiver of premium included after 90 consecutive days of disability Terminal Illness Accelerated Benefit: With a life expectancy of 12 months or less, remainder of the 6 month benefit is paid in advance Elimination Period Accident: 14 days or Sickness: 14 days Benefit Duration Maximum monthly benefit period: 6 months Guaranteed Issue Amount $1800 per month Sample Monthly Rates FOR A BENEFIT OF $1800/MO. AGE WEEKLY MONTHLY $13.05 $16.37 $24.34 $56.52 $70.92 $ ITG Benefits 13

14 Improving Truckers Lives CRITICAL ILLNESS As an ITG member you can get up to $35,000 in Guaranteed Issue critical Illness insurance. The critical illness insurance plan provides a lump sum benefit when you or a covered family member is initially diagnosed with a heart attack, stroke, paralysis, burns, end-stage renal failure, invasive cancer and more. PRODUCT DETAILS Initial Occurrence Benefit- Lump Sum Benefits payable upon initial diagnosis of a covered illness or condition. Employee benefit amounts are available from $5,000 to $35,000. Additional Occurrence Benefit- If an insured collects full benefits for a Critical Illness under the plan and later has one of the remaining covered illnesses/ procedures, then we will pay the full benefit amount for each additional illness provided the occurrences are separated by at least 6 months.(in Tennessee, the time period between different occurrences is 30 days). Re-Occurrence Benefit- if an insured collects full benefits for a covered condition and is later diagnosed with the same condition, we will pay the full benefit again provided that the two dates of diagnosis are separated by at least 6 months.(12 months treatment free for Cancer/ Carcinoma in situ). BELOW ILLNESSES COVERED AT 100% Cancer Heart Attack (Myocardial Infarction) Stroke (Apoplexy or Cerebral Vascular Accident) Coma Paralysis Severe Burns Major Organ Transplant Alzheimer s Disease ALS (Lou Gehrig s Disease) BELOW ILLNESSES COVER AT 30% Coronary Artery Bypass Surgery Angioplasty & Stint Insertion Carcinoma in situ *Skin Cancer- $300 one-time (lifetime) Sample Monthly Rates AGE $10,000 $20, $13.39 $23.62 $39.82 $25.00 $45.41 $ ITG Benefits

15 TERM LIFE Special Offer ITG has negotiated special offers, from top insurers, for working, professional drivers. You are automatically eligible to receive up to $150,000 in Contingent Guaranteed Issued 10 year Term Life Insurance and/or up to another $150,000 in Guaranteed Issue Level Rate Term insurance. Both have great GROUP RATE PRICING available exclusively through Independent Truckers Group! No physicals or exams are required for coverage! Improving Truckers Lives A life insurance policy can protect your family by providing protection against the loss of income; provide coverage for specific financial obligations such as a mortgage; or help ensure that your family s quality of life is preserved. Above all, it can provide you with the peace of mind of knowing that your loved ones will be financially protected. Coverage available for members, spouses* and children. 10 YEAR TERM LIFE Level Rates for 10 Years - Accelerated Death Benefit for Terminal Illness Rider Included - Waiver of Premium Due to layoff or strike rider included Up to $150,000 in coverage available with simple health questions. Sample Monthly Rates AGE $50,000 $100, $14.33 $20.38 $28.21 $37.17 $28.67 $40.75 $56.42 $92.92 ITG Benefits 15

16 Improving Truckers Lives PERMANENT LIFE Special Offer As long as premiums are paid, these plans offer a guaranteed cash value that grows over the years. Once purchased, your plan remains in force as long as premiums continue to be paid; and your permanent plan premiums cannot be increased. If you change jobs or retire, as long as you continue to pay premiums, your insurance will remain in force without interruption. LIFE OPTION PLUS It combines the guaranteed premiums with the advantages of cash accumulation at current interest rates. For members aged the guaranteed issue amount is $100,000 and from age $50,000 is guaranteed issue. No physicals or exams are required for coverage! Included Benefits: Payor Waiver of Premium Rider- Accidental Death Benefit Rider-Accelerated Death Benefit. Sample Monthly Rates UNI-TOBACCO AGE $50,000 $100, $69.51 $87.66 $ $ $ $ $ $ WHOLE LIFE Premiums never change, cash value never decreases, builds from a 4% tax-deferred interest rate and a paidup benefit is available after 15 years or at age 65, whichever is later. Employees age up to $150,000 in Contingent Guaranteed Issue Life Insurance. Sample Monthly Rates NON-TOBACCO USER AGE $50,000 $100, $60.69 $74.95 $97.83 $ $ $ $ $ ITG Benefits

17 DENTAL INSURANCE Our mission is to promote healthy oral hygiene and give our members access to one the largest network of dental providers available with over 268,000 dentist nationwide and a quality, A-Rated dental insurance. We believe everyone deserves affordable quality dental care and now with ITG Dental, you can have it. Improving Truckers Lives PREVENTIVE SERVICES: 100% No deductible Oral examinations Full mouth X-rays (once every 5 years) Bite wing X-rays (1 set per calendar year) Cleanings Topical fluoride treatments Sealants BASIC SERVICES: 80% after $25 copay Fillings X-rays Periodontal Maintenance Restorative Amalgams & Composites MAJOR SERVICES: 50% after $25/copay 12-month waiting period Endodontics (root canal) Periodontics (gum therapy) Oral surgery Inlays or onlays Crowns Dentures (complete and partial) Bridgework Denture relines and rebases Monthly Rates MEMBER MEMBER + SPOUSE MEMBER + CHILD(REN) MEMBER + FAMILY $49.00 $94.00 $ $ ITG Benefits 17

18 Improving Truckers Lives VISION INSURANCE Independent Truckers Group is making vision care affordable and accessible for almost any budget. We believe everyone deserves affordable quality vision care and now you can have it. Our Vision Insurance Plan is connects you with one of the most comprehensive vision care networks in the country. Deductibles - $10 exams $25 eye glass lenses or frames* LENSES (PER PAIR) Single Vision; Bi-focal; Tri-focal; Lenticular - covered in full Progressive - See Lens Options CONTACT LENSES Fit & follow up exam - 15% discount Elective - Up to $130 Medically necessary - COVERED IN FULL Frequencies (months) Exam / Lens / Frames - 12 / 12 / 24 based on date of service ADDITIONAL NETWORK FEATURES Additional Glasses-20% off the retail price on additional pairs of prescription glasses (complete pair). Frame Discount-20% off the remaining balance in excess of the frame allowance. Laser Vision Care -An average discount of 15% on LASIK and PRK. The maximum out of pocket per eye for members is $1800 for LASIK and $2300 for custom LASIK using WaveFront technology; and $1500 for PRK. In order to receive the benefit a network provider must coordinate the procedure. Low Vision-With prior authorization, 75% of approved amount (up to $1000 is covered every two years) Monthly Rates MEMBER MEMBER + SPOUSE MEMBER + CHILD(REN) MEMBER + FAMILY $14.00 $25.00 $22.00 $ ITG Benefits

19 NOTES Improving Truckers Lives ITG Benefits 19

20 ITG HEALTHCARE EXCHANGE IS NOW OPEN CALL FOR MORE INFORMATION OR TO ENROLL NOW! ADDISON ROAD, SUITE 250, ADDISON, TX