Discover What’s New and Important for Plan Year 2014-2015
|Tobacco User Status Annual Certification||
SAVE on your medical premiums! If you and your family members are tobacco-free (for at least the past 6 months) be sure to actively certify and you’ll avoid the tobacco surcharge.
If you’re a tobacco user or if you do not certify that all covered family members are tobacco-free, the tobacco surcharge automatically applies for the entire Plan Year.
|New Coverage Tiers||
To ensure that you’re only paying for the coverage you need, you can choose from four coverage categories for medical, dental, and vision coverage:
You can tailor the coverage you choose for each benefit option based on whom you want to cover.
If you are currently in Interstate Hotels & Resorts coverage, you will be defaulted into coverage with new tiers based on the dependents you have registered on Your Benefits Resources.
|A New Medical High POS Plan Option||
The United High POS plan option replaces the United EPO plan option with the same 90% coinsurance. Be sure to compare medical choices, premiums, deductibles, and out-of-pocket costs so that you can make the best decision for 2014.
— If you don’t take action during this Annual Enrollment period, you will be defaulted to the lowest cost option available in your location. Visit Your Benefits Resources for comparison charts and details.
|FSA Carry-Over of $500||You can now carry over $500 from your FSA! Here’s how it works:
|Elimination of Medical Options:
We have simplified some of our medical plan options for the new Plan Year, while keeping great options and coverage.
If you’re currently enrolled in any of the options no longer available, you’ll automatically default to the lowest cost option available in your location to provide you more affordable coverage.
If you want to change your default coverage or see what your new plan option has to offer, log in to Your Benefits Resources during Annual Enrollment and explore more. Visit Your Benefits Resources for comparison charts and details.
|Free Life Insurance||
Interstate now provides all full-time, benefits-eligible associates with free Basic Term Life Insurance and Basic Accidental Death & Dismemberment Insurance from Aetna.
Even if you don’t enroll in Interstate medical coverage, you receive these valuable benefits.
|Enhancements to our Life Insurance Options||
Supplemental Life: Starting this year, you may purchase coverage in flat dollar amounts, rather than increments of pay, so you can better select the coverage your family needs. If you have Supplemental Life now and you do not update your coverage during Annual Enrollment, you will default to the next highest coverage amount.
Dependent Life: You no longer need to have medical coverage or Supplemental Life to enroll.
Evidence of Insurability (EOI): In most cases during this Annual Enrollment, you can go up one level with no medical questions asked! If you need to complete EOI, you will be prompted on Your Benefits Resources when you enroll or change your life insurance coverage.
Plan Administrator: Your life insurance benefits are handled by Aetna.
|Enhancements to our Disability Insurance Options||
Short-Term Disability and Long-Term Disability levels are now structured similarly to Life Insurance options. That means increments are divided into management associates and hourly associates (except for some unions), and the hourly associates will purchase a flat dollar amount.
Defaults: If you are covered now and you do not update your coverage during Annual Enrollment, you will default to the level of coverage available.
Evidence of Insurability (EOI): In most cases during this Annual Enrollment, you can elect Short-Term and Long-Term Disability Insurance benefits with no medical questions asked!
|Health Care Reform Reminders||
|Other Changes to Broader Interstate Hotels & Resorts Benefits and Programs|
Ensure all your dependents covered under your plan are eligible. Eligibility requirements for your legal spouse, domestic partner, and children are listed on Your Benefits Resources and in your Explorer’s Guide.
An audit, requesting copies of marriage licenses, birth certificates, and proof of common residence, will follow enrollment for all covered dependents that have not yet completed the Interstate dependent audit successfully.
Take a closer look at your 2014-2015 Explorers’ Guide to learn more about your overall benefits and how you can make the most of them.
Take a Closer Look: Life Resources to Set You in the Right Direction
Call Anytime for Confidential Assistance.
Personal issues? Planning for Life events? Financial or legal issues? Call the Employee Assistance Program provided by ComPsych® GuidanceResources® at 1-877-327-4441.
More to Explore: Your Benefits Resources
Your personalized benefit information—quick and easy. Simply log in to Your Benefits Resources™.