Your Benefits Resources

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 Only
  • You Plus Spouse/Domestic Partner
  • You Plus Child(ren)
  • You Plus Family

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:
  • You contribute between $250 and $2,500 a year into your Health Care FSA—depending on what you think you might spend between April 1, 2014 and March 31, 2015. You decide the amount of money to deduct from each paycheck before taxes are calculated…and then you use this tax-free money to reimburse yourself for eligible medical, prescription, dental, and vision expenses!
  • You can use these funds for copays, coinsurance, and deductibles. It’s like getting an extra discount on everything from dental exams to X-rays.
  • If all of your FSA money is not used by the end of the Plan Year (March 31), you can now carry over up to $500 to pay for eligible expenses incurred in the next Plan Year. Any amount over $500 must be forfeited. This change begins with 2013 FSA funds.
Elimination of Medical Options:
  • United EPO
  • Kaiser CA Enhanced
  • Group Health Cooperative of WI

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 Don’t forget…
  • Most Americans are required to have health insurance in 2014 or a penalty may be required at tax time. This is called the "individual responsibility/mandate."
  • We encourage you to compare your coverage options through Interstate Hotels & Resorts, through your spouse/domestic partner plans (if applicable), and through the federal or state marketplaces. Find the best choice for you.
  • You can drop coverage as a qualifying event before April if you want to enroll in the Marketplace.
    • If you enroll in February during Annual Enrollment for medical coverage beginning on April 1, 2014, you satisfy the individual mandate. You don’t have to enroll in Marketplace coverage just for January–March 2014 to meet the mandate.
  • Learn more about health care reform and you
Other Changes to Broader Interstate Hotels & Resorts Benefits and Programs
  • Your four-legged friends can get coverage too! We have a pet insurance plan through GuidanceResources® Enter VPI in the search box.
  • More discounts and resources are now available through Aetna’s Life Essentials as part of your Basic Life Insurance coverage.
Dependent Audit

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.

Pricing Changes
  • You may see rate changes in your plans. Due to rising health care costs, the costs of other options may increase slightly.
  • Compare your actual costs at Your Benefits Resources.

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™.