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| Medical & Vision Coverage |
| Medical Plans are self-funded through the Boys & Girls Club Workers Association Insurance Trust.
This plan uses one of the largest nationwide PPO (Preferred Provider Organization) Networks.
- Medical Plan A and Plan B allow your Club to choose the coverage that best fits your Organization's needs. (Plan B - with a higher deductible, and co-insurance percentages, saves 25% over premium prices of Plan A)
- Plan A pays 85% of all covered services - after the deductible - when PPO network providers are used. Plan B pays 80% of all covered services - after the deductible - when PPO network providers are used. If PPO providers are not used, the plan pays 65%.
- Routine physicals, and school and sports physicals are covered
- Prescription drug card through Caremark, the nation's largest pharmacy benefit manager.
- Maternity, newborn, well baby care
- Immunizations for all covered individuals in a family
- Mammograms; routine colon, prostate, testicular exams
- Mental, alcohol, & drug treatment coverage
- COBRA coverage & administration included
SEE BENEFIT BOOK FOR LIMITATIONS & EXCLUSIONS
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| Dental with Vision Plan |
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Dental with Vision Plans are self-funded through the Boys & Girls Club Workers Association Insurance Trust.
Choose The Dental Or Vision Professional Of Your Choice
No Deductibles
- Preventive dental procedures 100% reimbursed; ALL other dental procedures (such as fillings, crowns, partials) reimbursed 70%
- Orthodontia expenses reimbursed 70% (regardless of age)
- Eye exams reimbursed 70%
- Eyeglass frames & lenses reimbursed 70%
- Contact lenses reimbursed 70%
- $1,250 annual limit per person - $2500 annual limit per family
SEE BENEFIT BOOK FOR LIMITATIONS & EXCLUSIONS
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| Dental Only |
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Dental Plan is self-funded through the Boys & Girls Club Workers Association Insurance Trust.
Freedom to choose any dental professional working within the scope of his/her license.
- Preventive dental procedures reimbursed at 100%
- Diagnostic and Basic dental procedures reimbursed at 70% (deductible applies)
- Major dental procedures reimbursed at 60% (deductible applies)
- Orthodontia reimbursed at 50% (available for dependents through age 18)
SEE BENEFIT BOOK FOR LIMITATIONS & EXCLUSIONS
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| Short Term & Long Term Disability |
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Short Term Disability Plans are self-funded through the Boys & Girls Club Workers Association Insurance Trust. Long Term Disability is underwritten by UniCare Life and Health Insurance Company.
Low cost disability coverage provides sick leave benefits
- Both Short & Long-Term combined offer the most comprehensive, uninterrupted salary continuation protection for Club employees
- Both Plans pay 66-2/3% of gross income
- Rehabilitative benefit included
- Short Term Disability covers disabilities lasting up to 6 months - including maternity
- Short Term Disability payments begin on the 8th day of disability
- Long Term Disability covers disabilities lasting longer than 6 months - until age 65 if necessary
SEE BENEFIT BOOK FOR LIMITATIONS & EXCLUSIONS
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| Life & Accident Insurance |
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Life Insurance is underwritten by UniCare Life and Health Insurance Company
Affordable Life Insurance Coverage - including Accidental Death & Dismemberment Benefits - for Employees
Coverage for spouses and children, too (life only, no AD&D)
- Life insurance that is equal to 1, 2, or 3 times an employee's salary; or in $1,000 increments, beginning at $10,000
- Employee coverage guaranteed up to $100,000
- Clubs may offer both options, if desired
- Pays double for accidental death; pays additional for loss of sight or extremities
- Employees can purchase additional coverage above what Club provides
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