(Q) When am I eligible for healthcare benefits?
(A) The first of
the month following 90 days of continuous employment. This includes eligibility for the medical, dental, life and
disability plans.
(Q) How do I chose a Primary Care Physician
(PCP) under the CIGNA HealthCare plan?
(A) Physicians are
listed in the CIGNA Healthcare Directory by counties or you can use CIGNA's
online directory at www.cigna.com. From the home page, click on "Provider Directory" from "Popular
Links". You must choose a PCP for each family member or all use the same
one. Remember to choose a Pediatrician
as the PCP for any children under 16 years of age.
(Q) What do I do, if the PCP I chose is not
accepting new patients or if I no longer want to consult with my current PCP?
(A) You will need
to select another PCP. As your needs
change, so may your choice of doctors. That's why you may change your PCP, for
any reason, at any time online at www.cigna.com
or call CIGNA Healthcare Member Services at 1-800-244-6224.
(Q) What should I do in the event that I need
immediate care, but it's not an emergency?
(A) First, call
your PCP and describe the situation. Your PCP is contracted to be available to you 24 hours a day, 7 days a
week and will be able to direct you to the most appropriate type of care. You
can also seek treatment at any participating Urgent Care Center. There is a $50 co-pay and you can locate
participating centers directly from your PCP Directory or online at www.cigna.com.
Cigna also has a 24-hour Health Information Line. This line connects you to registered nurses
and hundreds of recorded programs on important health topics 24-hours a day, 7
days a week from anywhere in the US by calling 1-800-564-8982.
(Q) What if I need specialty care?
(A) Your PCP will
help you select a physician and give you a referral and information to take to
the specialist. However, you do not
need a referral to schedule an appointment with any of the participating
OB/GYN, dermatologist or chiropractor.
(Q) Do I
have access to my CIGNA HealthCare benefits away from home?
(A) Yes. When you
are away from home temporarily for 60 days, but not more than 2 years, you or a
participating family member can enroll as a "guest" in the new temporary
location and receive your CIGNA HealthCare benefits. You are not only covered in case of emergency, but for all of
your routine and preventative care benefits. To enjoy this Guest Privileges Program, simply call member services at
the toll-free number on your CIGNA HealthCare ID Card. Your member services rep will discuss your
situation, confirm your eligibility and send you an information kit that
includes everything that you will need including a provider directory for the
area you're traveling to.
(Q) What is CIGNA'S Healthy Rewards program?
(A) CIGNA Healthy Rewards Program offers
rewards to members of CIGNA medical, behavioral or dental plans. It saves
members up to 60 percent on a range of complementary and alternative care
services and products such as; Vision Services, Laser Vision Care, Massage
Therapy, Tobacco Cessation, Cosmetic Dentistry, Hearing Care, Acupuncture,
Wellness and Health related products as well as Fitness Club Memberships. No doctor's referrals or claim forms needed
and there is no limit or maximum to this program. Set the appointments yourself and receive your discount when you
pay for your services by simply showing your CIGNA ID card. To find participating providers, call
1-800-870-3470 or go online to www.cigna.com/healthyrewards.
(Q) How much will I have to pay for medical
care coverage?
(A) The cost of
the health coverage is shared between you and Meisner Electric. Your cost will vary depending upon which
plan you select, the type of level of coverage you select and the years of
service you have with the company. Please contact the HR Dept. for specific details.
Q) Can I cancel
or make changes to my health benefits once I have enrolled in them?
(A) Unfortunately, no. You cannot change or revoke your election
once the plan year has begun. Changes are only permitted if you experience a
qualified change in status. For
example, requesting a change in your election purely for financial reasons is
not allowable. Examples of qualified
change of events you may make include such things as:
- change in marital status, including
marriage, divorce, or death of a spouse.
- change in dependents, including birth,
legal adoption, placement for adoption or death of a dependent or if your
dependent satisfies or ceases to satisfy dependent eligibility
requirements due to attainment of limiting age under the insurance plan.
- change in employment status for you,
your spouse or your dependent, including termination or commencement of
employment, or going out or returning from an unpaid leave of absence.
- a reduction or increase in hours of
employment by you, your spouse or dependent, including a switch between
par-time to full-time employment.
It is your responsibility to notify
your employer if you experience a status change during the plan year and you
wish to change your election. Notification must be received by your Benefits Coordinator within 30 days
of the change event or you will need to wait until the next open enrollment
period.
DENTAL INSURANCE
(Q) Do I need to chose a PCP for the dental
coverage?
(A) No, you may go
to any licensed dentist or specialist for treatment, however, if you use
participating providers listed in the Guardian directory, you will receive a
higher benefit level than if you chose a provider out of network. Refer to the
Benefits Summary for more specific information.
EMPLOYEE ASSISTANCE PROGRAM
(Q) Does the Company have an Employee
Assistance program?
(A) Yes, Meisner offers all employees and
their dependants access to an Employee Assistance Program (EAP). This program is a professional service that
offers counseling and support for all types of issues and problems. Whether
it's a simple question, a sudden emergency, or an ongoing problem, give EAP
trained professional staff a call. All
sessions are free, confidential and accessible
24 hours a day, 365 days a year. Sessions can be arranged by calling Cigna Behavior Health at
1-888-371-1125.
In addition to behavioral care, The Employee Assistance
Program also offers assistance in legal and financial matters and help can be
obtained by calling the same number as above.
SHORT TERM DISABILITY
(Q) What happens
if I suffer from a disabling accident or illness off of the job and can't attend work? Will I be compensated?
(A) Yes, but only if you have enrolled in the
Short Term Disability Plan. This plan
covers 60% of your current weekly salary with a maximum weekly benefit of
$750.00. Benefit payments will begin on
the 8th day of your accident or illness and is paid up to 26 weeks
on a bi-weekly basis.
BENEFITS - OTHER
(Q) Does the company offer direct deposit?
(A) Yes, Meisner
offers direct deposit immediately for all employees. If you sign up for direct deposit, your money is deposited and
available on Thursdays. You will
receive a pay stub showing the deposit made into your account and any benefit
deductions. If you choose to receive a
paycheck instead of direct deposit, employees working on jobsites will receive
paychecks on Friday after lunch from your Foreman.
(Q) What is the Christmas Savings Club
program?
(A) The Christmas
Savings Plan allows you to save money all year and have it put aside for the
holiday season. You may chose to have a
deduction made weekly from your pay and the company will make a discretionary
match of 25% of your balance, to a maximum of $500 each November.
TRAINING AND TOOLS
(Q)
Does the Company
offer any internal training programs?
(A)
Yes! Our Meisner
Training Institute offers multiple classes throughout the year. The classes change each quarter and are
geared to help employees gain and improve on their skills. A sample of the classes offered are, Fire
Alarms, Forklift Certifications Test Equipment, Blueprint Reading, Foreman
Training, etc. All classes are
voluntary and at no cost to you. Check
out the Training section of our website for more specific details.
(Q)
Does the Company
offer assistance to employees for purchasing tools?
(A) In
some cases, the Company will provide limited assistance to employees needing to
purchase tools. The assistance is
restricted to tools required on the job and not for personal use. If you are interested in this benefit, you
can get information from your supervisor or the Human Resources Department.
RETIREMENT PLAN
(Q) Does the Company have a retirement plan for
the employees?
(A) Yes. Meisner Electric offers a generous 401K
Plan, in which you can defer up to 15% of your gross pay. The Company will match your contribution 50%
on the first 6% you contribute. The
Company may also contribute a secondary match on your behalf at the end of the
plan year. This is based upon the
profitability of the company and is at their sole discretion. For plan information and eligibility
requirements, please contact the Human Resources Department
