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Voluntary Health, Dental, Vision & Wellness Benefit Options
A new type of health and wellness benefit has arrived!
Employees who are not eligible for employer sponsored benefit programs can now take control of their health and wellness programs with voluntary, employee-paid programs offered by Advanstaff HR.
Finally an affordable plan option for small to medium health care costs.
All plans include basic health, unlimited tele-med doctor visits, discount Rx, dental, and vision benefits. At open enrollment or at thee time of hire, employees can voluntarily opt-in to three levels of basic health and wellness coverage otherwise not available. Premiums are paid via payroll deductions and your member benefits can all be managed through the carrier app.
Premiums paid are “flexed” through the Premium Only Plan (POP) FSA which means you are not paying income taxes on this premium. This awesome benefit effectively LOWERS the real cost of the the plan versus paying to carrier directly.
An example on how payroll deduction premium payment saves you money:
Mike participates in this plan for employee only coverage. The cost is $90 / month directly deducted from his paycheck ($45 each paycheck). Because Mike is in the 15% tax bracket, Mike now SAVES $13.50 per month on taxes which in effect lowers the overall cost of the premium.
Choose From Three Levels Of Coverage
Frequently Asked Questions (FAQs)
The most common questions for this benefit programs are listed below.
Please feel free to contact our benefits department by either calling 702-598-0000 or by submitting a support ticket HERE. A benefit specialist will respond promptly.
This voluntary program is available to:
- Part-time employees
- Full-time employees whose employer does not offer or sponsor an employee health program.
This program does NOT replace employer sponsored programs offered to full-time employees. If you are a full-time employee and have access to an employer-sponsored plan, then you should participate in that plan. The voluntary plans purpose is not to replace your insurance program.
If your employer sponsors and pays (or partially pays) for a bonafide employee health benefit program, then you are not eligible for this voluntary program.
Enrollment takes place within 30 days of your date of hire or during annual open enrollment. Coverage always begins on the 1st day of the next month following enrollment. The carrier does not all partial month enrollments.
Open enrollment is generally in Dec 1 – 23 each year.
Employees have several ways to enroll:
- via the employee portal using a web browser, tablet, or mobile device.
- via the AdvanStaff HR Apple or Android Mobile App.
If you would like to enroll and don’t see the option when viewing your employee portal account, please contact the AdvanStaff HR Benefits Department.
A few days after enrollment, you can access your benefits using the state-of-the-art carrier mobile app.
The Hooray Health’s mobile app puts state-of-the-art care in the palm of your hand with
- quick, searchable access to providers and prescription savings when and where needed.
- Provider Locator
- Telemedicine Services
- Prescription Discounts
- Member Support
- Medical Concierge
It’s never been easier to access your benefits at any time.
Examples of benefits included in all plans are:
- Unlimited tele-med doctor visits
- Live doctor office visits (limited based on plan)
- Discount dental coverage
- Discount vision coverage
- Discount mental health and wellness coverage
- Discount prescription (Rx) coverage
- Accident and hospital indemnity coverage (limited, depending on plan.
Benefits are easily accessed and managed using the Hooray Health mobile app.
A member will pay a $25 copay at a retail clinic or urgent care center that is in the Hooray Health network. The member will not receive a balance bill or additional charges for covered procedures at in-network providers.
Hooray Health Benefit Plans are an affordable, accessible, and simple healthcare solution.
Hooray Health Benefit Plans are categorized as fixed indemnity and accident insurance plans. The insurance company pays, on the fixed indemnity policy, a predetermined amount on a per-period or per-incident basis, regardless of the total charges incurred. On the accident policy, approved charges are reimbursed up to the policy limit.
Members on the:
- Basic Plan receive 3 visits per year for injuries and illnesses.
- Plus Plan receives 4 visits per year for injuries and illnesses.
- Premium Plans offer 5 visits per year for injuries and illnesses.
Member’s cost is $0 per consultation for telemedicine services.
The service is available to members 24/7/365 for an unlimited number of consults per year. Members can speak to a physician at their convenience, and if needed, their prescriptions can be called into a pharmacy of their choice.
Use the Hooray Health app to compare prescription drug prices at local pharmacies.
Eligible employees may enroll at any time within the first 30 days of employment.
All other eligible employees may enroll in benefits during the company’s selected enrollment period. Benefits will be effective the first of the month following enrollment.
Yes. However, they’ll not be eligible for the plan again until the next Open Enrollment or during a qualifying life event.
Open Enrollment is from December 1 to December 23 for your Eligibility starting January.
No. These voluntary plans are not ACA compliant and do not replace the primary offering an employer may offer.
These plans are designed to be an alternative, low cost health and wellness option that provides basic access to doctor consultations, lower cost prescriptions, a basic hospital and injury indemnity, basic dental, basic vision coverage. They are not designed to replace bonafide group insurance offered by your employer.
Part-time employees are eligible to opt-in to coverage on a voluntary basis.
Employees (part-time or full-time) who do not have access or can’t afford the employer offered plan should consider this plan as an alternative.
The benefits on this plan are lower than fully-insured, ACA compliant health programs. Please review the benefit statement below for additional details.
Yes! Regardless of full-time or part-time employee status, premiums payments deducted directly from your pay check ARE flexed. This is a huge benefits and lowers the overall cost of this program vs buying outside of your employer.
Premiums paid are “flexed” through the Premium Only Plan (POP) FSA which means you are not paying income taxes on these premium deductions. This awesome benefit effectively LOWERS the real cost of the the plan versus paying to carrier directly.
An example on how payroll deduction premium payment saves you money: Mike participates in this plan for employee only coverage. The cost is $90 / month directly deducted from his paycheck ($45 each paycheck). Because Mike is in the 15% tax bracket, Mike now SAVES $13.50 per month on taxes which in effect lowers the overall cost of the premium.