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Cannabis Employee Benefits Package
Enrollment Guide
1. Summary of the Programa. The Cannabis Employee Benefits Package is designed to combine best-in-class
carriers and products into one package. The plan has one flat rate and set productsso that you can easily calculate your costs and allows for simple ongoingadministration with one bill and one point of contact for all your benefits needs.
b. This package includes two options:i. Option 1: Standard Package – $125 per employee per monthii. Option 2: Enhanced Package – $235 per employee per month
2. Eligibility & Contributionsa. The Cannabis Employee Benefits Package is 100% employer-paid for all eligible
employees. It includes everyone working 30 hours per week, but may cover anyemployee working at least 15 hours per week. Spouses and dependents are noteligible for the plan.
Introduction
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3. Enrollment a. To enroll in the program, complete the online group master application at
cannabisbenefitspackage.com and the census, which can be downloaded at cannabisbenefitspackage.com. Both must be submitted through the online portal or via an email to [email protected]. Once the census and the master application have been received, you will receive a confirmation of receipt email from our team along with requests for any missing information. Application processing may take up to 10 business days. During this time, you will receive an email from LifeLock requesting electronic document signatures for the release and use of private individual information.
b. Once processed, you will receive an email with the following information: i. Your coverage effective date ii. Confirmation of enrollment details iii. Instructions on the employer portal to be used for adding and deleting employees from coverage throughout the year iv. Current billing information and request for the first month’s premium payment v. Log in for HR360
4. Billing a. The first month’s premium is due prior to the coverage effective date. Ongoing monthly billing
will occur on the first of the month. Premiums not paid within 10 days will be subject to retroactive termination. Account details, enrollment information, and monthly billing statements are available on the employer portal.
5. Renewal a. Your plans will renew annually one year from your effective date. You will receive new plan
information approximately 60 days prior to renewal.
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a. Can I enroll a spouse, child, or domestic partner? i. Coverage is only available to employees.
b. Can I charge the employees anything for the Cannabis Employee Benefits Package?
i. The Cannabis Employee Benefits Package is set up for employer-paid plans only. Other employee-paid products may be available. Email [email protected] with questions.
c. Can I write off the expense for my business? i. A portion of the premium may be deductible. Please consult with your CPA or tax
advisor. Business expenses and IRC 280(E) are outside our scope of expertise.
d. Can I offer this to only some of my employees? i. All employees working 30 or more hours per week must be included in the plan.
You may offer the benefit to employees working 15 or more hours per week if you choose. Please contact [email protected] with questions.
e. How do I enroll an employee? How do I delete an employee? i. All changes to enrollment can be made through the employer portal, which can be
accessed at www.cannabisbenefitspackage.com. Refer to the employer portal instruction guide at www.cannabisbenefitspackage.com for instructions on adding or deleting employees from the program.
f. Can I buy only some of the products? i. No, the program is packaged together to consolidate billing and for
discounted pricing.
FAQ
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g. How do I file a claim or use my benefit? Do I have an ID card? i. There are no ID cards for this product. Each carrier has a different process.
1. To receive care with Redirect Health you must call 888-407-7928 or text using the Redirect Health App by downloading at redirecthealth.com/app. The care navigation team can take care of medical needs right over the phone without an in-office visit. If an in-office visit is necessary the care team will schedule for you. To learn more about the benefits of EverydayCARE view the informational video. You will receive a welcome packet and ID cards in the mail, which take 2 to 3 weeks to receive after the policy effective date.
2. To utilize your dental and vision program with LifeMap, give your provider your Social Security number. They will look you up in their system to verify your coverage. You have in-network and out-of-network coverage, but your benefit is better if you stay in-network. To see if your provider is in-network or to find a list of providers in your area in the LifeMap networks, visit the following: a. Dental b. Vision c. You can also visit their website to find contact information for customer service
3. To file a life insurance or AD&D claim, with LifeMap, complete the claim form at www.cannabisbenefitspackage.com. Instructions on submitting the form are on the claim form. You can also visit their website.
4. To utilize your critical illness and accident benefits with LifeMap, complete the claim form at www.cannabisbenefitspackage.com. Instructions on submitting the form are on the claim form. You can also visit their website.
5. To access your Employee Assistance Program (EAP) through Lifemap, you can call 866-750-1327 or visit www.MyRBH.com and enter “LifeMap” as your group code.
6. To utilize your LifeLock benefit, download the LifeLock App (available on Android and Apple phones) and follow instructions to enroll in online access. You can also call their customer service line at 800-607-9174.
h. Can I cancel this program before my one-year contract is over? i. Yes, you may cancel the program at any time with a 30-day written notice sent to
i. Have other questions? Feel free to reach out to [email protected].
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The LifeMap Dental Network, one of the largest PPOs in the region, gives members easy access to care while keeping out-of-pocket costs down when you visit in-network providers. Outside Oregon, Washington, Utah, and Idaho, we contract
BENEFITS SUMMARY
Plan Benefits
Deductible (per calendar year)
$50
Calendar Year Maximum Benefit
$1,500 per member
Coinsurance(Percentage of the allowed amount the plan pays) *Out of Network services will be processed using the 90th percentile UCR
In-Network Out of Network*
Class A (Preventive) 100% (deductible waived)
Class B (Basic) 80%
Class C (Major) 50%
Benefit Waiting Periods
Initial Enrollment* Late Enrollment
Class A Services 0 Months 3 Months
Class B Services 0 Months 6 Months
Class C Services 0 Months 12 Months
*You should enroll when you are initially eligible or during your Employer’s Annual Enrollment Period or Late Enrollment Waiting Periods apply.
Plan Features
Class A (Preventive) Services
• Oral Exams • Dental Cleanings • Fluoride Treatment • Space Maintainers • Intraoral Bitewing, Periapical and Occlusal X-rays
• Complete and Panoramic X-Rays • Sealants and Preventive Resin
Class B (Basic) Services
• Fillings • Emergency Treatment • General Anesthesia • Endodontic Treatment, including Root Canals and Pulp Capping
• Oral Surgery • Periodontic Treatment, including Scaling and Root Planing and Periodontal Surgery
Class C (Major) Services
• Crowns, Inlays, and Onlays • Crown Build-ups/ Core and Post
• Fixed Bridges • Dentures • Tissue Conditioning
How the Plan Works
Group Dental Coverage helps ensure you and your family get the preventive care you need for your teeth. Plus, you’ll save money in the long run
Eligibility Requirement
If you are a full-time active employee working a minimum of 15 hours per week, you will be covered with these benefits.
Who pays for the coverage?
Dental Insurance premiums for employees are paid for by your employer.
LifeMap Network
We utilize one of the largest dental networks in the region, so your choice of dentists is vast.
Email: [email protected] Fax: 1 (800) 794-5390 LifeMapCo.com
Dental Network Submit a Claim
DentalFOR CANNABIS CARE PACKAGE MARKETPLACE
Carrier Information
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LifeMap Assurance Company has partnered with Vision Service Plan (VSP) to provide your employees with valuable vision care coverage at affordable group rates. Employees are free to visit any provider of their
Benefits VSP Choice Network Provider Non-VSP Choice Network Provider
Exam Copay $0 or $10 $0 or $10
Hardware Copay $25 $25
Well Vision Eye Exam Covered in Full* Up to $45*
Lenses
• Hardware Copay Covered in Full* Up to $30*
• Lined Bifocal Covered in Full* Up to $50*
• Lined Trifocal Covered in Full* Up to $65*
Frames Up to $130 or $150* Up to $70*
Elective Contact Lenses Up to $130 or $150 Up to $105
Low Vision Testing Covered in Full Up to $125
* After any applicable copayment due from the member
Provider network: www.vsp.com For out-of-network claim reimbursement form,
Vision
Carrier Information
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LifeMap Assurance Company provides members financial protection and peace of mind through our suite of ancillary and supplemental insurance benefits. Our thoughtful guidance helps people choose the coverage they truly need through all
BENEFITS Applies to: Class 1
Life $50,000
Life Guarantee Issue $50,000
AD&D Matches Life
Waiver of PremiumDisabled Prior to 60, Term @ 65
Accelerated Benefits 80% up to $250,000
AD&D SCHEDULE OF BENEFITS
Benefits Applies to: Class 1
Principal Sum
Life
Both Hands or Both Feet
Sight of Both Eyes
One Hand and One Foot, One Hand or Foot and Sight of One Eye
Quadriplegia
Three-quarters of the Principal SumTriplegia
Paraplegia
One-half of the Principal Sum
Matches Life
One Hand, One Foot, or Sight of One Eye
Loss of Speech or Hearing
One-quarter of the Principal SumUniplegia
Thumb and Index Finger on either hand
Email: [email protected] Fax: (855) 733-4615
LifeMap Assurance Company, Attn: Life and Disability Claims Department PO Box 1271 MS E8L Portland, OR 97207-1271
Life & AD&D
Carrier Information
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LifeMap Assurance Company provides members financial protection and peace of mind through our suite of ancillary and supplemental insurance benefits. Our thoughtful guidance helps people choose the coverage they truly need through all life’s unexpected twists and turns..
Customer Service/Contact Us Page URL: Toll-free: 1 (800) 286-1129
Critical Illness
Carrier Information
BENEFITS SUMMARY
Coverage Amounts
Employee Critical Illness Insurance
$10,000
Plan Benefits
DiagnosisInitial or New CI
Recurrence
Cancer 100% 100%
Heart Attack 100% 100%
Stroke 100% 100%
Amyotrophic Lateral Sclerosis (ALS)
100% Not Included
Permanent Paralysis of Two or More Limbs
100% Not Included
End Stage Renal Disease
100% Not Included
Carcinoma in Situ25%, maximum $5,000
Not Included
Plan Features
Coverage Waiting Period
30 days
Continuation of Coverage:
(Direct bill is available if you lose eligibility under the policy except for non-payment of premium)
You may elect to continue coverage under the Direct Bill Plan by submitting a direct bill application along with the first direct bill premium to LifeMap Assurance Company. Application and payment must be received within 31 days of the date of termination of group coverage.
Recurrence waiting period:
3 Months treatment free
New Critical Illness waiting period:
3 Months after initial diagnosis
Lifetime Maximum Benefit Amount:
200%
Benefit ReductionThe Critical Illness benefit will reduce to 50% of the original face amount at age 75.
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LifeMap Assurance Company provides members financial protection and peace of mind through our suite of ancillary and supplemental insurance benefits. Our thoughtful guidance helps people choose the coverage they truly need through all life’s unexpected twists and turns.
Customer Service/Contact Us Page URL: Toll-free: 1 (800) 286-1129
Accident
Carrier Information
BENEFITS SUMMARY
Plan Benefits
Accidental Death $50,000
Accidental Dismemberment
Severity determines benefit
$2,000 to $50,000
Accident Emergency Treatment
$100
Hospital Admission $500
Hospital Confinement $100 per day, up to 365 days
Family Lodging $150 per night, up to 15 nights
Ambulance$200 for Ground Transport
$2,000 for Air Transport
BurnsSeverity determines benefit
$1,000 to $12,000
Concussion $75
Broken Bones (Fracture)
Area and severity determines benefit $125 to $6,000
Dislocations (Separated Joint)
Area and severity determines benefit $125 to $4,800
CutsLength determines benefit
$50 to $500
SurgeryType determines benefit
$150 to $1,500
Imaging Study $200
X-ray $50
Plan Features
Maximum Benefit
Unless otherwise specified, each benefit is payable a maximum of one time per Insured Person, per Covered Accident.
Continuation of Coverage:
(Direct bill is available if you lose eligibility under the policy except for non-payment of premium)
You may elect to continue coverage under the Direct Bill Plan by submitting a direct bill application along with the first direct bill premium to LifeMap Assurance Company. Application and payment must be received within 31 days of the date of termination of group coverage.
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The Employee Assistance Program (EAP) is a value-added benefit provided by LifeMap Assurance
https://www.myrbh.com/ Call 1-866-750-1327
EAP
Carrier Information
EAP COMPONENT/SERVICEStand-Alone Basic EAP
Counseling Sessions: Face-to-face confidential counseling sessions (1 hour); per incident for employees and their dependents
Up to 4 Sessions
Referral: Referral to outside agencies. Sessions with an outside referral are not included in EAP coverage; member has full responsibility for cost.
24-Hour Telephone Crisis Services
RBH eAccess: Online Consultations with licensed counselors
Personal Advantage Website: Work-Life Website with information on a variety of topics & training modules
Legal Services: Free half hour face-to-face or telephonic consultations, followed by discounted legal representation (25% discount)
Financial Services: Up to 30 days of free telephonic support and discounted CPA services (25% discount)
Will Preparation, Identity Theft Services & Home Ownership Program
Extended Childcare, Adult / Eldercare and End of Life Services
Pet Concierge: Information on pet selection, pet-proofing, choosing a vet & more
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LifeLock Benefit Elite Premium helps provide employees peace of mind with LifeLock’s comprehensive identity theft protection. It helps protect 401(k) and other investment accounts from fraudulent withdrawals and balance transfer. Enhanced services include bank account application and takeover alerts,† one-bureau annual credit score and report,1 monthly credit-score tracking1 and three-bureau annual credit monitoring.1 If a potential threat is detected, employees are notified via email, text, phone‡‡ or mobile app alerts.†
Should an employee become a victim of identity theft while a LifeLock member, LifeLock provides a dedicated U.S.-Based Identity Restoration Specialist and helps protect them with our Million Dollar ProtectionTM Package††† including
No one can prevent all identity theft. 1 If your LifeLock plan includes credit reports, scores, and/or credit monitoring features (“Credit Features”), two requirements must be met to receive said features: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be ableto locate your credit file and it must contain sufficient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE CREDIT FEATURES FROM ANY BUREAU. If your plan also includes Credit Features from Experian and/or TransUnion, the above verification process must also be successfully completed with Experian and/or TransUnion, as applicable. If verification is successfully completed with Equifax, but not with Experian and/or TransUnion, as applicable, you will not receive Credit Features from such bureau(s) until the verification process is successfully completed and until then you will only receive Credit Features from Equifax. Any credit monitoring from Experian and TransUnion will take several days to begin after your successful LifeLock plan enrollment. † LifeLock does not monitor all transactions at all businesses. 2 If your LifeLock plan includes One Bureau Credit Application Alerts, two requirements must be met to receive said features: (i) your identity must be successfully verified with TransUnion; and (ii) TransUnion must be able to locate your credit file and it must contain sufficient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE ONE BUREAU CREDIT APPLICATION ALERTS. One Bureau Credit Application Alerts will take several days to begin after your successful LifeLock plan enrollment. ** These features are not enabled upon enrollment. Member must take action to get their protection. ‡‡ Phone alerts made during normal local business hours. ∂ Subject to eligibility requirements defined in Terms & Conditions at https://www.lifelock.com/legal/prior-id-theftremediation. Symantec reserves the right to change and/or cease services at any time. * LifeLock JuniorTM membership is available as an added membership to an adult LifeLock plan. ††† Reimbursement and Expense Compensation, each with limits of up to $1 million for Benefit Elite and up to $1 million for Ultimate Plus. And coverage for lawyers and experts if needed. Benefits provided by Master Policy issued by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal. © 2018 Symantec Corporation All rights reserved. Symantec, the Symantec Logo, the Checkmark Logo, Norton, Norton by Symantec, LifeLock, and the LockMan Logo and are trademarks or registered trademarks of Symantec Corporation or its affiliates in the U.S. and other countries. Other names may be
LifeLock
Carrier Information
FEATURELifeLockTM
Benefit Elite Premium
Pro
vid
ed b
y ID
Ana
lyti
cs
excl
usiv
ely
to L
ifeL
ock
LifeLock Identity Alert® System†
Applications with Leading US Mobile Providers†
Applications with Leading Card Issuers†
New Auto Loans†
Satellite TV Providers Accounts†
Online Lenders Loans†
Payday - Online Lending Alerts†
ID Alerts & Social Security Alerts†**
PayDay Loan Alerts†
Mortgage Loan Application Alerts†
Auto Loan Application Alerts†
Telco/Utilities Credit Application Alerts†
401(k) Account Activity Alert†**
Investment Account Activity Alert†**
Credit Card Account Activity Alert†**
Sex Offender Registry Report Notifications
Notification of Data Breaches
USPS Address Change Verification Notifications
FEATURE (cont.)LifeLockTM
Benefit Elite Premium
Checking Account Activity Alert†**
Savings Account Activity Alert†**
New Bank Account Opening Alerts†**
Account Take-over Alerts†**
Includes Surveillance for:**
Personally Identifiable Information (SSN, name,
date of birth, address, phone or email)
Drivers License
Medical ID / Medical Insurance
User Name / Password
Credit Card
Bank Account Number
Alerts via IVR phone‡‡**
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Redirect Health is more than a healthcare company—we are your partner in making the best healthcare decisions for you and your family. Through innovative programs and services, we continually strive to make
Redirect Health
Carrier Information
BENEFIT SUMMARY
Care Management - Chronic & Acute Disease (Includes predictive analytics & population health management)
Other Care
24/7/365 Medical Phone Support & Scheduling (English & Spanish, Preemptive PCP Telehealth, Overpricing
Protection, Healthcare Navigation)
Diabetic Supplies
Physician-to-Physician Case Management (Hospital Cost Reduction, Discharge Management)
X-ray
Patient Assistance Programs (Pharmaceutical Programs, State Medicaid Programs, & Nanthealth
Cancer Program)
MRI, PET, & CT Scans
Workers Compensation Case Management (E-MOD Protection & Stay-at-Work Programs)
Specialist Consults & Care
Primary Care & Injury Office VisitsHospital Care (Inpatient Care & Outpatient Services)
Chiropractic Office Visits Urgent Care
Preventive Adult Care * Emergency Room Service
Preventive Well Child Care * Prescription Drug Programs (Directed through Redirect Health (otherwise no benefit)
Labs MEC Covered Preventative Medications
Immunizations *Prescriptions (Generic, Brand, Specialty)
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Let’s find the answers to all of your HR questions. Your attorney-reviewed source for HR news, tools, forms, and training. It’s like have an HR department at your fingertips. Whether you are an HR professional, an office manager, or business owner trying to do everything, HR360 was built for you. With our HR library, you’ll get the guidance you need to manage your employees; understand and implement HR best practices;
HR360
Carrier Information
FEATURES
Interview Question Builder COBRA Steps to Success
Performance Review Builder FMLA Guidelines
Customizable Handbook How to Hire, Discipline & Terminate
Downloadable Forms & Policies State Employment Law
Federal & State Labor Law Posters Job Description Builder
Safety & Wellness Salary Benchmarking Tool
HR News Alerts HR Self-Assessment Tool
FAQ Urgent Care
Healthcare Reform Tools and Guidelines Employee Cost Calculator
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