How to Enroll
For assistance with your benefits and enrolling, please call the Genesis Employee Benefit Helpline at 1-800-513-9925.
Advantage, Basic, and Max Value Plans- Overview
Genesis cares about you and your family's well-being. That's why Genesis offers comprehensive, affordable medical coverage for you and your dependents. With the cost of health care continuing to rise, you need to consider your options carefully.
As an eligible employee, the following Anthem Blue Cross medical plans are available to you based on your work status, grade level, line of business, or CBA.
PLEASE NOTE: The Traditional Plans below will no longer be offered effective 1/1/23. Please keep this in mind when making your plan selection for your new hire enrollment.
Each time you seek care under the Advantage, Basic, or Max Value Plans, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under these plans, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing our out-of-pocket costs. You may also be balance-billed by your provider. Balance-billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
Plan Comparison Chart
Rates
CLICK HERE to view or download the 2022 Anthem Blue Cross bi-weekly rates.
CLICK HERE to view or download the 2022 Anthem Blue Cross weekly rates.
Helpful Resources
Anthem - How to Find a Doctor
Savings Plus Plan (SPP) Frequently Asked Questions
Anthem Mesa Member Portal Registration Instructions
Anthem Mesa Member Portal- How To Register
Basic Plan & Basic Savings Plus Plan
Overview
Each time you seek care under the Basic Plans, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under these plans, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing your out-of-pocket costs. You may also be balance-billed by your provider. Balance-billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
For non-preventative primary care, specialist office visits, and non-preventative prescription drugs, you pay a percentage of covered services after the deductible. The deductible and out-of-pocket maximums include both medical and prescription drug expenses.
The Basic Plan may be coupled with a pre-tax Health Savings Account (HSA). If you elect an HSA, one will be opened and administered by Optum/Connect Your Care (CYC).
Plan Documents
Basic Plan Summary Plan Description
Basic Savings Plus Plan Summary Plan Description
Basic Plan Summary of Benefits and Coverage (SBC)
Basic Savings Plus Plan Summary of Benefits and Coverage (SBC)
Advantage Plan & Advantage Savings Plus Plan
Overview
Each time you seek care under the Advantage Plans, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under these plans, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing your out-of-pocket costs. You may also be balance-billed by your provider. Balance-billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
Certain non-preventive services, such as primary/specialist visits and urgent care/ER visits, are covered after a copay and then the plan pays the rest. For other services, you pay a percentage of covered services after the deductible.
Plan Documents
Advantage Plan Summary Plan Description
Advantage Savings Plus Plan Summary Plan Description
Advantage Plan Summary of Benefits and Coverage (SBC)
Advantage Savings Plus Plan Summary of Benefits and Coverage (SBC)
Max Value Plan & Max Value Savings Plus Plan
Overview
Each time you seek care under the Max Value Plans, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under these plans, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing your out-of-pocket costs. You may also be balance-billed by your provider. Balance-billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
Certain non-preventive services, such as primary/specialist visits and urgent care/ER visits, are covered after a copay and then the plan pays the rest. For other services, you pay a percentage of covered services after the deductible.
Plan Documents
Max Value Plan Summary Plan Description
Max Value Savings Plus Plan Summary Plan Description
Max Value Plan Summary of Benefits and Coverage (SBC)
Max Value Savings Plus Plan Summary of Benefits and Coverage (SBC)
Kaiser HMO Plan - (If you work in the Kaiser service areas of CA, CO, DC, MD, or VA)
This plan provides services through the Kaiser Permanente network of providers. All care must be received through a Kaiser provider, otherwise, your services will not be covered. Please see Central for information on the Kaiser service areas.
All preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.** Certain non-preventive services, such as primary/specialist visits and urgent care/ER visits are covered after a flat dollar copay and then the plan pays the rest. For other services, you pay a percentage of covered services after the deductible.
PRESCRIPTION DRUG COVERAGE SUMMARY - for all states except HI
CLICK HERE to review a summary of the most frequently asked-about benefits. For a complete explanation, please refer to the EOC.
Kaiser POS Plan - (If you work in the Kaiser service areas of Hawaii only)
This plan provides services for in-network and out-of-network (contracted and non-contracted) providers. In-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.** Certain non-preventive services, such as primary/ specialist visits and urgent care/ER visits are covered after a flat dollar copay and then the plan pays the rest. For out-of-network (contracted and non-contracted) coverage, you pay a percentage of covered services after the deductible.
PRESCRIPTION DRUG COVERAGE SUMMARY - FOR HAWAII ONLY
CLICK HERE to review a summary of the most frequently asked-about benefits. For a complete explanation, please refer to the EOC.
**Check with your medical plan preventive schedule for age and frequency limits for such services.
Kaiser Rates
CLICK HERE for the bi-weekly rates for CA, MD, DC, VA, and CO
CLICK HERE for the bi-weekly rates for HI
Plan Documents
Kaiser DHMO Summary of Benefits and Coverage (SBC) - for CA
Kaiser POS Summary of Benefits and Coverage (SBC) - for HI
Kaiser DHMO Summary of Benefits and Coverage (SBC) - for MD, DC, and VA
Kaiser DHMO Summary of Benefits and Coverage (SBC) - for CO
Helpful Resources
Kaiser My Strength Flyer
Kaiser Calm Promotional Flyer
Kaiser Mobile App
Kaiser Member Portal
Digital Membership Card (within the KP App and My Doctor Online App)
The Kaiser Permanente digital membership card is available via the Kaiser Permanente app to eligible members in Southern California, Colorado, Hawaii, and the Mid-Atlantic States. Northern California members can find the digital membership card in the My Doctor Online App. With the digital membership card, members can conveniently check in, pick up prescriptions, and show proof of membership at any Kaiser Permanente location. They can also access the digital membership cards of their dependents and those for whom they hold healthcare proxies.
In Southern California, the Northwest, and Colorado, the digital membership card includes an integrated photo that serves as a valid ID.
If enrolled in an Anthem Blue Cross Blue Shield medical plan, your Prescription Drug coverage is through EmpiRx Health.
This Prescription Drug Plan is a Mandatory Generic Plan. If you choose a brand-name medication when a generic equivalent exists, you will be responsible for the difference in cost between the brand and the generic plus the copay.
Retail Pharmacy Network
Your prescription benefit provides access to an extensive national pharmacy network, including Target, CVS, and most independent pharmacies. Your plan allows for a 90-day supply of maintenance medications.
Mail Order Pharmacy
You can easily obtain your maintenance medications through the EmpiRx Health mail-order pharmacy, Benecard Central Fill. Typically, prescriptions filled through mail order are for medications used to treat chronic conditions and are written for up to a 90-day supply, plus refills. You also have the option of obtaining a 90-day supply of maintenance medications at CVS and Target. Prescriptions for medications that you need to use right away should always be taken to your local pharmacy.
Please note that EmpiRx Health does NOT automatically refill your prescriptions, but you can order these refills from the member portal or the app.
Covered Medications
Your RX plan includes a listing of medications that the plan covers (referred to as a formulary). These medications are divided into tiers as follows:
- Generic- includes mostly generic prescriptions which are the most cost-effective.
- Preferred- includes most affordable brand prescriptions.
- Non-Preferred- the most expensive tier which contains brand prescriptions, many of which have other clinically effective or lower-cost alternatives.
Specialty Medications: (up to a 30-Day Supply)
- Specialty medications are high-cost biotechnology drugs that require special distribution, handling, and administration. These medications are typically designed to treat chronic diseases.
- All prescriptions must be obtained through Benecard Central Fill Specialty Pharmacy. Please note that specialty medications are limited to a 30-day supply.
Preventive Prescription Medications
Preventiveprescription medications will be covered shown in the chart on the following page before the deductible is met on the Basic Plan, applicable copays will apply first on all plans. Examples of preventive medications include many cholesterol-lowering agents, high-blood pressure medications, and medication for asthma.
Your In-Network Cost for the Max Value and Advantage Plans
You pay the costs shown in the chart on the following page. Once you reach the following combined medical/Rx out-of-pocket maximum, your costs will be covered at 100%.
- Individual = $ 8.150
- Family = $16,300 (An individual within the family is $8,150)
Your In-Network Cost for the Basic Plan
Non-Preventive Prescription Medications
You must pay the full cost for all non-preventative prescriptions until your deductible of $3,000/individual or $6,000/family is met. Note: The specialty deductible does not apply to the Basic Plan. Once your deductible is met, non-preventative medications will be covered as shown in the chart on the following page. Once you reach the following combined medical/ Rx out-of-pocket maximum, your costs will be covered at 100%.
- Individual = $6,900
- Family = $13,800 (Individual within the family = $8,150)
Plan Summaries
Click on the links below to review or download the prescription plan summaries:
Genesis Healthcare Basic Plan & Basic Savings Plus Plan
Genesis Healthcare Advantage Plan & Advantage Savings Plus Plan
Genesis Healthcare Max Plan & Max Savings Plus Plan
Formularies
Click on the links below to review or download a copy of the Total Care Plus Formularies.
2022 Total Care Plus Formulary January-June _ Abridged Listing
2022 Total Care Plus Formulary January - June_Comprehensive Listing
Tools / Additional Information
If you need assistance locating a network pharmacy, determining if a medication is on the formulary, pricing a medication, seeing the preventive drug list, or finding out more about mail order, please use the following resources:
-
Before you are enrolled in the Plan: Go to the Genesis Central Intranet site > Benefits Page > Benefit Offerings and navigate to the Prescription Drug Coverage tile.
- Once you are a member:
- Go to www.empirxhealth.com (members must register after initial login)
- For Mobile Devices: Register at www.empirxhealth.com or download the EmpiRx Health mobile app
- Call Customer Care at 1-877-241-7123
Mail Order Pharmacy Information
Member Portal Flyer
Genesis HealthCare Member FAQ
Starter Dose Programs
Clinical Program
Your Dental Plan Coverage
Regular visits to your dentist can protect more than your smile; they can help protect your health. Recent studies have linked gum disease to damage elsewhere in the body, and dentists are able to screen for oral symptoms of many other diseases including cancer, diabetes, and heart disease. Genesis knows that dental care is an important part of your overall health, and offers two dental options to fit your and your family's needs.
- Aetna Participating DPPO (Please note: effective 1/1/23, the Participating DPPO will no longer be available in AL, LA, MS and TX. )
- Aetna Non-Participating DPPO
How the Plans Work
Aetna Participating DPPO: Each time you seek care under the Participating DPPO, you have the freedom of using participating network dentists or using dentists outside the network. After you meet the deductible, if applicable, the plan pays a percentage of covered services.
Aetna Non-Participating DPPO: If you reside in an area with limited access to Aetna providers, or if your dentist is not in the Aetna network, you have the option to enroll in the Non-Participating DPPO, which for most services, provides a higher benefit level than the Participating DPPO out-of-network coverage.
You may request pre-treatment estimates from your dentist for both DPPO plans when extensive dental work (in excess of $200) is proposed.
Plan Documents
Aetna Participating DPPO Benefit Summary
Aetna Non-Participating DPPO Benefit Summary
Rates
CLICK HERE to view or download the 2022 Aetna bi-weekly rates
CLICK HERE to view or download the 2022 Aetna weekly rates
Finding a Provider Near You
To locate a dentist in your area, contact Aetna Dental at 1-800-994-4282, or go to www.aetna.com.
INSTRUCTIONS
- Under 'Continue as a guest'; type in your zip code; Select Search (before selecting Search, update the miles if applicable)
- Under 'Select a Plan'; Select Dental PPO PDN; then press Continue
- The search bar will then appear; type in either the provider name or the type of service you are searching for.
Extra Discounts and Savings
- As an Aetna member, you have access to exclusive discounts on premium dental hygiene and health care products.
Helpful Resources
Click on the links below for additional Aetna member tools:
Register on the Aetna portal at MyAetnaWebsite.com or get the Aetna Health App by texting AETNA to 90156 to receive a download link.
Your Dental Benefits Flyer
How to Download Your Digital ID Card Flyer
Dental Benefits Request Claim Form & Instructions
Your Vision Plan Coverage
Your eyesight is important, routine vision exams cannot only correct vision but also detect more serious health conditions.
Genesis offers you substantial savings on your eye care and eyewear needs at any one of EyeMed's thousands of provider locations.
For Genesis employees, there are two vision plan options to choose from.
- Choice Plan
- Choice Plan Plus
How the Plan Works
Eyemed is a vision care network. When you use an EyeMed network provider, you pay less than if you go outside the network. If you do not use an EyeMed provider, you will receive an allowance towards your eye care expenses. You pay for the services and submit a claim for reimbursement.
NOTE: All claims must be filed within 15 months of the date of service.
Plan Documents
EyeMed Choice Plan Summary of Benefits
EyeMed Choice Plus Plan Summary of Benefits
Rates
CLICK HERE to view or download the 2022 Vision bi-weekly rates.
CLICK HERE to view or download the 2022 Vision weekly rates.
Finding a Provider Near You
For details on your EyeMed coverage, or to find an EyeMed provider, call 844-409-3400 or online at www.eyemed.com and register as a member to access the Genesis custom network of providers.
Lasik Providers
For Lasik providers call 877-5LASER6 or visit www.eyemedlasik.com.
Please Note: New enrollees will receive a vision ID card and a listing of four independent providers and retail providers closest to your home zip code.
Extra Discounts and Savings
Go to www.eyemed.com, register, and click on Special Offers for member-only special offers including:
- 40% off additional pair of prescription eyeglasses
- 15% off Lasik (retail) and 5% off (promo) price for Lasik
- 20% off any remaining frame balance beyond plan coverage
- 15% off any balance over the conventional contact lens allowance
- 20% off any item not covered by the plan
- $20 off at ContactsDirect.com
- Additional frame savings through Sears Optical and Target
Click on the links below for additional EyeMed member tools:
EyeMed Member Offer- Freedom Pass
EyeMed Member-Only Special Offers
EyeMed Hearing Loss Discounts
Helpful Resources
Click on the links below for additional EyeMed member tools:
Choosing an Online Provider
EyeMed Member Tools Flyer
Eyemed Online Options Flyer
Eyemed Claim Form Instructions
Member Contacts
Welcome to your 2022 Benefits Open Enrollment!
This is your annual opportunity to make changes to your benefit elections. During Open Enrollment, you can enroll or remove a family member from coverage and decide in which benefits you would like to participate. We will be working with Leading Edge Administrators to administer your 6 different Anthem Blue Cross medical plan options.
Please note, you can only make changes outside of Open Enrollment if you have a change in family status (marriage, divorce, birth, adoption, a spouse loses coverage elsewhere, etc.)
Prior year health elections do not carry over. You must enroll between November 1st, 2021, and November 26th, 2021, or your medical, dental, vision, FSA, HSA, and Modified Compensation benefits will terminate on January 1st, 2022.
What's New? Genesis has reviewed its current benefit plans and determined that offering Anthem Blue Cross medical coverage to our employees through Leading Edge Administrators provides the most value to our employees going forward.
Genesis is offering the following 6 medical plan options beginning January 1st, 2022:
ANTHEM BLUE CROSS Medical Plans
- Advantage Medical Plan (PPO)
- Max Value Medical Plan (PPO)
- Basic Medical Plan (HDHP)
ANTHEM BLUE CROSS Medical Plans with Savings Plus
- Advantage Medical Plan (PPO) with Savings Plus
- Max Value Medical Plan (PPO) with Savings Plus
- Basic Medical Plan (HDHP) with Savings Plus
Features of Savings Plus
Genesis Savings Plus is a member cost savings negotiation program to ensure that you are receiving the most competitive health care pricing. This program will apply to certain medical services including the following:
- All facility charges (inpatient, outpatient, substance abuse)
- All inpatient and certain outpatient surgeries
- High-cost imaging (CAT, MRI, PET)
- Ambulance and emergency care
- Dialysis
* Please note that you will still have access to your BCBS preferred provider network.
Prescription Drug coverage
- New Pharmacy Benefits Manager- EmpiRx
NEW VOLUNTARY BENEFITS FOR PART-TIME EMPLOYEES
- Aflac Term & Whole Life Insurance (offered to full-time employees as well)
- Aflac Accident
- Aflac Hospital Indemnity
- Aflac Cancer
- Aflac Critical Illness
GENESIS employee benefit HELPLINE:
Genesis has contracted with Brian Patten and Associates (BPA), an industry-leading benefits enrollment firm. You will have an opportunity to meet with a BPA representative to review your plan options and ensure you make the best selection for the upcoming plan year. They will also assist you with making your Open Enrollment elections for 2022. Each plan participant needs to actively submit elections in GenSERV this enrollment period as prior year health elections do not carry over. During the open enrollment period, BPA will be available to answer any questions you may have. You can reach BPA by calling 1-888-472-8442, and press Option 2, or directly at 1-800-513-9925
What is a Flexible Spending Account?
Flexible Spending Accounts allow you to set aside money each calendar year to pay for qualified non-reimbursable health care expenses on a pre-tax basis- before the money in your paycheck is taxed.
When you have an eligible expense,* simply submit a claim form or use your CYC Debit Card (for Health Care FSA only) and you'll be reimbursed with tax-free dollars from your account. It's the easiest way to cut your taxes. When you pay fewer taxes, you have more money in your pocket to save or spend. It's so easy that "flexible" is part of the name.
For more information, CLICK HERE to review the IRS Publication 502.
Helpful Information Regarding FSA Accounts
Keep These Important FSA Rules in Mind
The government imposes a "use it or lose it" rule on Flexible Spending Accounts to give you pre-tax advantages. Because of this "use it or lose it" rule, it is important for you to carefully estimate the money you set aside.
- For Health Care and Dependent Care FSA: If you reach the end of the plan year (December 31) and are still enrolled in the FSA but have not used all of the funds that you have set aside, you will be given a special two-month and 15-day extension/grace period. During that period (January 1- March 15), you may incur eligible expenses to offset monies set aside for the previous plan year. As an example, receipts dates 1/1/23 through 3/15/23 may be used to offset monies set aside for the 1/1/22- 12/31/22 plan year.
- Please Note: You must be a plan participant as of December 31 to receive this special extension/grace period, and you must submit the receipts by April 15th. If you terminate employment during the plan year, you have 90 days after your termination date to submit expenses, unless you elect COBRA. This grace period is not available if you are planning to enroll in the Basic Plan for 2022.
- Balances cannot be transferred between the health care and dependent care flexible spending accounts.
- Mid-Year Enrollments: The Flexible Spending Accounts run on a calendar year basis; therefore, if you are enrolling in benefits mid-year and elect this plan, your deductions will begin on the first pay in which your Benefits Effective Date falls and run through the end of the calendar year. Please see the GHC the GHC Pre-Tax Spending Account Program Enrollment Instructions located on the Genesis Central Intranet site > Benefit Offerings > select the Benefit Resources button > choose the applicable State Tile > then scroll to the Flexible Spending Account (FSA) section.
Health Care FSA
You can use your Health Care FSA to pay for qualified expenses* not covered by your medical, dental, and vision plans, such as deductibles, copays, coinsurance, non-covered vision and hearing expenses, non-covered prescriptions, and over-the-counter medications. In general, anything considered a health care expense for income tax purposes is eligible.
Examples of expenses not eligible for your Health Care FSA include teeth whitening, non-prescription vitamin supplements, cosmetic surgery, marriage counseling, and insurance premiums.
*All eligible expenses must be incurred on or after your Benefits Effective Date. How Much Can You Contribute?
Annual Maximum: $2,750
How Your Money is Reimbursed
- Health Care FSA- When you have an eligible expense, simply submit a claim form or use your Optum/CYC Debit Card (for Health Care FSA only) and you'll be reimbursed with tax-free dollars from your account. It's the easiest way to cut your taxes. When you pay fewer taxes, you have more money in your pocket to save or spend. It's so easy that "flexible" is part of the name.
You can track claims, check account balances and download forms at www.optumfinancial.com.
Helpful Resources:
Dependent Care FSA
Through the Dependent Care FSA, you can use tax-free dollars to pay for the cost of daycare for your children (under the age of 13) or other eligible dependents, such as an elderly parent or disabled spouse. You must supply the Social Security Number or Tax ID number of your provider to use this benefit.
Expenses that may qualify for reimbursement include:
- Care at licensed nursery schools, day camps, and child daycare centers
- Care at licensed adult/elder care centers
- Care provided inside or outside of your home by a person other than your tax dependent or your children age 18 or younger
Dependent Care FSA Tax Facts:
Depending on your personal tax situation, you should determine which is more beneficial to you- the Dependent Care FSA or the Dependent Care Tax Credit on your federal income tax form. It's always a good idea to check with your tax advisor to see which program is best for you.
How Much Can You Contribute?
Annual Maximum: $5,000 (or $2,500 if you are married and file separately)
***Please Note: The Dependent Care FSA annual maximum for highly compensated employees may be limited to a lower amount.
How Your Money is Reimbursed
- Dependent Care FSA- to obtain reimbursement for eligible expenses, you are required to submit a receipt with each claim form. Dependent Care contracts will not be accepted.
Helpful Resources:
What is a Health Savings Account?
A Health Savings Account (HSA) is like a personal savings account, but it can only be used for qualified healthcare expenses. To be eligible, you must be enrolled in a High Deductible Health Plan. Health Savings Accounts also have some important tax advantages.
What is an eligible expense? Eligible expenses include a wide range of medical, dental, and mental health services.
For more information, CLICK HERE to review the IRS Publication 502.
Why a HDHP Flyer
Introduction to HSA Flyer
How do I contribute? Contributions are typically made with pre-tax dollars, through payroll deductions at your employer. As a result, they are not included in your gross income and are not subject to federal income taxes. In most states, contributions are not subject to state income taxes.
Eligibility
The Health Savings Account (HSA) offered through CYC is only available if you are enrolled in the Basic Medical Plan and not enrolled in any of the following plans:
- Medicare Part A or Part B
- Any other medical plan (with the exception of a high deductible medical plan)
- An Aflac non-HSA compatible Hospital Indemnity or Critical Illness Plan
Important: If you or your spouse were enrolled in a Genesis FSA in 2021, you will need to have a zero balance on 12/31/21 to open an HSA on 1/1/22, otherwise you cannot open an HSA until after the grace period expires on 4/1/22.
How Your HSA Works
An HSA will be opened automatically after you elect the HSA option. Monthly account fees may apply. See the Health Savings Account (HSA) section on Benefits Central for details and minimum balances to reduce or eliminate fees.
Any payroll pre-tax contributions you elect will be directly deposited into your HSA. Money available in your HSA can be used for qualified health care expenses (medical, dental, and vision) incurred by you, your spouse, or eligible dependents. Unlike the Health Care Flexible Spending Account, the full annual election of the HSA is not available immediately. Only the amounts that are deposited become available for withdrawal or investment. You can access funds via debit card, online bill pay, and online withdrawal. Contact Connect Your Care (CYC) for information regarding investment options. Any interest or investment earnings on the funds in the HSA are tax-free.
Unlike the Health Care FSA, there is no "use it or lose it" provision. All balances in the HSA roll over from one year to the next and you will not forfeit any dollars in your HSA even if you move to another company. It is a great way to save for health care expenses down the road.
Your Contributions
The IRS allowable annual contribution maximums are as follows:
- For employee-only coverage: $3,650
- For all other levels of coverage: $7,300
* if you are 55 or older, you can contribute an additional $1,000 which is called a "catch-up contribution"
** your maximum contribution amounts will be prorated if you are not enrolled in the Basic Plan for the entire year
If you enroll in the Basic Plan after January 1, see the Genesis Central intranet site or your Benefits Designee/HR Generalist for the maximum payroll contributions allowed for the partial plan year.
HSA funds can only be used for eligible health expenses for tax-qualified dependents. Your HSA funds can be used for your legally married spouse and your children.
NOTE: If you currently have an HSA with another banking institution, you may roll over your HSA funds into your new HSA. Please see the Genesis Central intranet site for additional information or contact CYC at 844-731-4283.
As with any bank account or debit/credit card, your Health Savings Account should be monitored for fraudulent activity. The best defense is to closely monitor HSA activity and to maintain complex passwords which you frequently update.
Helpful Resources- HSA
Reasons to Enroll in a Health Savings Account (HSA)
Health Savings Accounts (HSA) offer three key tax benefits.
- Tax-free contributions to your HSA
- Tax-free earnings from interest and investments in your HSA
- Tax-free payments from your HSA for qualified medical, dental, and vision expenses
By contributing to your HSA with pre-tax payroll deductions you can maximize your tax savings and the amount you have to spend on medical expenses.
Here's an example of how it works:
Additional Resources:
List of HSA Eligible Expenses
Tips to Get the Most From your HSA
HSA Investment Options
HSA Financial Plan Flyer
Optum Financial Online Portal Overview
* For easy access to your account information download the myCYC Mobile App either through the App Store or get it on Google Play.
How to Enroll in Aflac Products
Call the Genesis Employee Benefit Helpline to speak with a BPA Benefit Coach by calling 1-800-513-9925.
Aflac Policies Offered to Genesis Employees
**NEW** Voluntary Term &Whole Life Insurance
Genesis employees now have the option to purchase Voluntary Term & Whole Life Insurance through Aflac. Protecting your family's future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable Voluntary Life Insurance at a low group rate.
Voluntary Short-Term Disability
You may choose to participate in a Voluntary Short-Term Disability program. This program provides financial security in case of a disability. You may choose between an individual and group policy. Your BPA Benefits Coach can explain these options and associated costs.
Voluntary Hospital Indemnity Insurance
The Voluntary Hospital Plan provides cash benefits for inpatient hospitalization. This plan is offered on a group basis and is HSA compatible.
Voluntary Personal Accident Insurance
The Voluntary Personal Accident Plan is designed to help cover the expenses associated with an accidental injury and provides direct cash benefits for emergency treatment, hospitalizations, specific injury treatments, accidental death, etc. regardless of any other insurance you may have.
Voluntary Critical Illness Coverage
Voluntary Critical Illness Coverage is designed to pay cash in the event that you or your covered family member is diagnosed with a critical illness, such as heart attack, coma, end-stage renal failure, stroke, paralysis, or major human organ transplant. Note: This plan is non-HSA compatible. If you participate in an HSA, this plan is not available to you.
Voluntary Cancer Coverage
Voluntary Cancer Coverage is designed in the event that you or your covered family member is diagnosed with cancer. Benefits include both inpatient and outpatient services along with an annual wellness benefit.
Helpful Resources
Aflac Always Flyer
Managing Your Policy
How to File a Claim
* What do you need to file your claim? Go to aflac.com/myresources to find out.
How to Port Your Coverage
- Aflac Group: CLICK HERE to download and complete the Aflac Group Portability Packet or reach out directly to Aflac Group for additional assistance at 1-800-433-3036.
- Aflac Individual: If you part with Genesis and would l like to keep your Aflac Individual policies, you may call Aflac at 1-800-992-3522 to port your policies on a direct basis. What if you forget to call? Aflac will send you a letter in the mail offering you an opportunity to continue coverage on a direct basis.
Home & Auto Insurance Through Liberty Mutual
You may be eligible for a discount on auto and/or home insurance through Liberty Mutual Insurance. Coverage types available include auto, home, condo, and renters insurance, and much more. Advantages are special savings, great coverage options, and convenient payment methods - credit card, EFT, and direct billing. Payroll deduction is available to full-time employees. Please call 1-844-651-7293 or visit www.libertymutual.com/genesis for your free quote. Please mention client #120205.
Coverages are underwritten by Liberty Mutual Insurance, Equal Housing Insurer. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify.
Pet Insurance
Liberty Mutual's customized Pet Insurance delivers multiple policy options spanning accidents, illnesses, and wellness with affordable coverage and the ability to select the percentage you'll get back from each visit up to 90%, after your deductible and up to your annual maximum. Through direct bill, choose the best policy to protect your pet with coverage underwritten by a company with more than 100 years of insurance experience, and the flexibility to use any vet you choose.
Obtain a quote at pet.libertymutual.com/Genesis or call 1-844-250-9199 and reference promo code GENESIS for your discount.
Helpful Resources
Liberty Mutual Genesis Partner Flyer
Liberty Mutual Auto and Home Program Flyer
Liberty Mutual Auto FAQ Flyer
Liberty Mutual Pet Insurance Program Flyer
Plan Highlights
Genesis wants to help you build a healthier financial future, and that is why we provide you with a retirement savings plan through Empower and regularly monitor it to ensure that it offers you a great savings opportunity, Whether you are a long-time saver or just getting started, Empower can help you plan for your life in retirement, which could last two or three decades or more.
Eligibility and Plan- Specific Details
NOTE: Genesis employees become eligible to join the retirement plan after completing 60 days of employment.
THERE ARE TWO PLANS:
1. Genesis Administrative Services 401(k)
- This plan is for:
- Employees in grades 12 and above
- This plan excludes employees in a collective bargaining unit position and center-based employees working in California, Nevada, and Washington
- Important Details:
- Automatic Enrollment: You will be automatically enrolled at a pre-tax contribution rate of 4% and will be invested in an age-appropriate Vanguard Target Retirement Trust I fund, until you make your own investment choices or change your contribution amount
- Contribution Accelerator: Your contribution rate will automatically increase 1% every January 1 until it reaches 6%
- You can make changes or opt-out of Automatic Enrollment or Contribution Accelerator at any time
2. Genesis Administrative Services 401(k)
- This plan is for:
- Employees in grades 11 and below
- All employees eligible for the Genesis 401(k) plan as part of their Collective Bargaining Agreement
- Center-based employees working in California, Nevada, and Washington, regardless of grade level
Eligible employees may enroll or change their contribution percentage at any time by calling Prudential at 866-GHC-401K (866-442-4015), Monday through Friday, 8 a.m. to 9 p.m. EST. You may also visit Genesis.retirepru.com.
Additional Plan Features
1. The retirement plan will offer the option of Roth contributions which allow you to have some/all contributions deducted from your paycheck after taxes. This provides the ability to withdraw qualified money at retirement without paying federal taxes. *
2. Automatic Account Rebalancing: You may elect to have your account automatically rebalanced each quarter to realign your portfolio to the asset allocation you originally selected.
* Qualified distributions are federal income tax-free provided the Roth account has been open for a least five tax years, which begins January 1 of the first year you make a contribution to a Roth account, and the owner has reached age 59 ½, has died, or has become disabled. Qualified Roth distributions may be subject to state and local taxes.
Employee Contributions
You may contribute between 1% and 75% of your pre-tax pay through regular payroll deductions, up to the annual maximum established by the IRS. If you are age 50 or older, you may contribute additional "Catch-Up" tax-deferred dollars. Your contributions and investment earnings grow tax-deferred until the money is withdrawn. All contributions may be direct to any or all of several investment options.
The deferrals of highly compensated employees, as defined by the IRS, may be capped to comply with nondiscrimination testing requirements.
Helpful Resources-401(k)
Retirement and Investment Advice
Access to professional, unbiased retirement and investment advice is part of your retirement package. Schedule an appointment by calling CAPTRUST at 1-800-967-9948 or online at www.captrustadvice.com.
CAPTRUST can help you determine how much to save and how to invest. They will work with you to create a Retirement Blueprint, a comprehensive plan tailored to your individual goals and objectives.
EMPOWER's Genesis Retirement Plan Toll-Free Phone Line is Here to help
Call 1-866-GHC-401K (866-442-4015) to register your account, get account information or perform transactions through an automated phone system. If you have questions, participant service representatives are available weekdays, 8 a.m. to
9 p.m. EST.
Click on the links below for additional information:
PLAN 1 Summary Plan Description
PLAN 2 Summary Plan Description
Genesis 401(k) Plan Fee Information
Prudential 900290 Participant Fee Disclosure- Plan 1
Prudential 900390 Participant Fee Disclosure- Plan 2
Genesis Plan 1 Highlights
Genesis Plan 2 Highlights
Accessing Your Account Flyer
To register your account- CLICK HERE
Introducing CAPTRUST Financial Advisors
Company-Paid Group Life Insurance
In most cases, Genesis automatically provides Term Life Insurance coverage through Symetra at no cost to you.
*Go to your Benefits Summary on your Benefits Home Self-Service Page on GenSERV to verify your company-paid group life insurance coverage and beneficiary designation.
Coverage levels are shown below:
Voluntary Term Life Insurance
Some of the advantages of Voluntary Term Life are:
-
No health questions. You can purchase up to the guaranteed issue limit with no health questions if you enroll when first eligible.
-
Family coverage. You can elect coverage for yourself, your spouse, and your children.
-
Low premium cost. If applying at a young age. Costs increase as you and your dependents age.
The Voluntary Term Life Insurance plans through Symetra provides the following coverage:
Employee, Spouse and Child Rates (Monthly)
Helpful Resources- Life
How to Enroll
To enroll or make changes to Voluntary Term Life Insurance plans, please call Genesis Employee Benefit Helpline at 1-800-513-9925 or
CLICK HERE to schedule an appointment.
Conversion or Portability of Company Paid and/or Voluntary Term Life Insurance
If your coverage ends, you may convert or port the amount of your basic and/or voluntary life coverage.
Note: Your options may be limited by your existing medical conditions. You have 60 days after your coverage ends (the last day of employment in most cases) to apply for an individual policy and make the first premium payment.
- To apply for conversion call Health Reinsurance Management Partnership (HRMP) at 888-999-4767.
- To apply for portability call Symetra at 800-426-7784. (Reference policy #01017828-00).
Employee Contributions Examples
All employees moving from a Traditional Plan to the corresponding plan and tier available in SPP, will have decrease in employee contribution.
The current bi-weekly premium in the SPPs for both the 11< and the 12+ grade bands will increase as follows:
- Single - $3
- Employee plus child(ren) -$5
- Employee plus spouse -$10
- Family -$15
Kaiser Biweekly Premiums will increase as follows:
- Single- $3 from non-wellness rate, $33 from wellness rate
- Employee plus child(ren) - $5 from non-wellness rate, $35 from wellness rate
- Employee plus spouse - $10 from non-wellness rate, $40 from wellness rate
- Family - $15 from non-wellness rate, $45 from wellness rate
Employee moving from traditional to spp
An RN (Grade 12+) who did not qualify for the wellness incentive in 2022 enrolled as single on the Traditional Advantage Plan had a bi-weekly contribution of $81.43
In 2023, if she elects the Advantage Savings Plus Plan, she will have a bi-weekly contribution of $45.31.
A CNA who qualified for the wellness incentive in 2021 enrolling as single ( Grade <11) who did qualify for the wellness incentive in 2022 enrolled as single on the Traditional Max Value Plan had a bi-weekly contribution of $116.10.
In 2023, if she elects the MaX Value Savings Plus Plan, her contribution will be $106.90.
Advantage, Basic, and Max Value Plans
Genesis cares about you and your family's well-being. That's why Genesis offers comprehensive, affordable medical coverage for you and your dependents. With the cost of health care continuing to rise, you need to consider your options carefully.
As an eligible employee, the following Anthem Blue Cross medical plans are available to you based on your work status, grade level, line of business, or CBA.
Overview:
Each time you seek care under the Advantage, Basic, or Max Value Plans, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under these plans, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing our out-of-pocket costs. You may also be balance-billed by your provider. Balance -billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
****IMPORTANT**** CLICK HERE For important information regarding your BlueCross BlueShield ID card correction.
Basic Savings Plus Plan
Overview:
Each time you seek care under the Basic Savings Plus Plan, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under this plan, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing your out-of-pocket costs. You may also be balance-billed by your provider. Balance -billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
For non-preventative primary care, specialist office visits, and non-preventative prescription drugs, you pay a percentage of covered services after the deductible. The deductible and out-of-pocket maximums include both medical and prescription drug expenses.
The Basic Savings Plus Plan may be coupled with a pre-tax Health Savings Account (HSA). If you elect an HSA, one will be opened and administered by Optum Financial.
CLICK HERE to view or download the 2023 Anthem Blue Cross bi-weekly rates.
CLICK HERE to view or download the 2023 Anthem Blue Cross weekly rates.
Plan Documents:
Basic Savings Plus Plan Summary Plan Description
Basic Savings Plus Plan Summary of Benefits and Coverage (SBC)
Helpful Resources:
Anthem - How to Find a Doctor
Savings Plus Plan (SPP) Frequently Asked Questions
Anthem Mesa Member Portal Registration Instructions
Anthem Mesa Member Portal- How To Register
To Find a Provider
Go to anthem.com/find-care or CLICK HERE to download the Anthem Provider Search Flyer
INSTRUCTIONS
- To begin, Select the Guests option in the middle of the page
- Under 'What type of care are you searching for?'; Select Medical
- Under 'What state do you want to search with?'; Select the state in which you are seeking care.
- Under 'What type of plan do you want to search with?'; Select Medical (Employer-Sponsored)
- Under Select plan/network; Select National PPO (BlueCard PPO); then press Continue
- You will then be able to choose a location and type of care needed to find network providers in your chosen area.
****IMPORTANT**** CLICK HERE For important information regarding your BlueCross BlueShield ID card correction.
Advantage Savings Plus Plan
Overview:
Each time you seek care under the Advantage Plan, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under this plan, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing your out-of-pocket costs. You may also be balance-billed by your provider. Balance -billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
Certain non-preventive services, such as primary/specialist visits and urgent care/ER visits, are covered after a copay, and then the plan pays the rest. For other services, you pay a percentage of covered services after the deductible.
CLICK HERE to view or download the 2023 Anthem Blue Cross bi-weekly rates.
CLICK HERE to view or download the 2023 Anthem Blue Cross weekly rates.
Plan Documents:
Advantage Savings Plus Plan Summary Plan Description
Advantage Savings Plus Plan Summary of Benefits and Coverage (SBC)
Helpful Resources:
Anthem - How to Find a Doctor
Savings Plus Plan (SPP) Frequently Asked Questions
Anthem Mesa Member Portal Registration Instructions
Anthem Mesa Member Portal- How To Register
To Find a Provider
Go to anthem.com/find-care or CLICK HERE to download the Anthem Provider Search Flyer
INSTRUCTIONS
- To begin, Select the Guests option in the middle of the page
- Under 'What type of care are you searching for?'; Select Medical
- Under 'What state do you want to search with?'; Select the state in which you are seeking care.
- Under 'What type of plan do you want to search with?'; Select Medical (Employer-Sponsored)
- Under Select plan/network; Select National PPO (BlueCard PPO); then press Continue
- You will then be able to choose a location and type of care needed to find network providers in your chosen area.
****IMPORTANT**** CLICK HERE For important information regarding your BlueCross BlueShield ID card correction.
Max Value Savings Plus Plan
Overview:
Each time you seek care under the Max Value Plan, you have the freedom of using participating network providers or using providers outside the network. If you use an in-network provider, the plan pays a higher percentage of the cost of care. All in-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.
Out-of-Network Costs: Under this plan, you have the freedom to go out-of-network; however, the plan pays a lower percentage, increasing your out-of-pocket costs. You may also be balance-billed by your provider. Balance -billed costs can be significant and do not accumulate towards your deductible and out-of-pocket maximum.
Certain non-preventive services, such as primary/specialist visits and urgent care/ER visits, are covered after a copay and then the plan pays the rest. For other services, you pay a percentage of covered services after the deductible.
CLICK HERE to view or download the 2023 Anthem Blue Cross bi-weekly rates.
CLICK HERE to view or download the 2023 Anthem Blue Cross weekly rates.
Plan Documents:
Max Value Savings Plus Plan Summary Plan Description
Max Value Savings Plus Plan Summary of Benefits and Coverage (SBC)
Helpful Resources:
Anthem - How to Find a Doctor
Savings Plus Plan (SPP) Frequently Asked Questions
Anthem Mesa Member Portal Registration Instructions
Anthem Mesa Member Portal- How To Register
To Find a Provider
Go to anthem.com/find-care or CLICK HERE to download the Anthem Provider Search Flyer
INSTRUCTIONS
- To begin, Select the Guests option in the middle of the page
- Under 'What type of care are you searching for?'; Select Medical
- Under 'What state do you want to search with?'; Select the state in which you are seeking care.
- Under 'What type of plan do you want to search with?'; Select Medical (Employer-Sponsored)
- Under Select plan/network; Select National PPO (BlueCard PPO); then press Continue
- You will then be able to choose a location and type of care needed to find network providers in your chosen area.
CLICK HERE to view or download the 2023 Anthem Blue Cross bi-weekly rates.
CLICK HERE to view or download the 2023 Anthem Blue Cross weekly rates.
Kaiser HMO Plan - (If you work in the Kaiser service areas of CA, CO, DC, MD, or VA)
This plan provides services through the Kaiser Permanente network of providers. All care must be received through a Kaiser provider, otherwise, your services will not be covered. Please see Central for information on the Kaiser service areas.
All preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.** Certain non-preventive services, such as primary/specialist visits and urgent care/ER visits are covered after a flat dollar copay and then the plan pays the rest. For other services, you pay a percentage of covered services after the deductible.
PRESCRIPTION DRUG COVERAGE SUMMARY - for all states except HI
CLICK HERE to review a summary of the most frequently asked-about benefits. For a complete explanation, please refer to the EOC.
Kaiser POS Plan - (If you work in the Kaiser service areas of Hawaii only)
This plan provides services for in-network and out-of-network (contracted and non-contracted) providers. In-network preventive services are covered at 100% with no deductible, including your annual wellness office visits, preventive lab/blood work, GYN visits, and mammograms.** Certain non-preventive services, such as primary/ specialist visits and urgent care/ER visits are covered after a flat dollar copay and then the plan pays the rest. For out-of-network (contracted and non-contracted) coverage, you pay a percentage of covered services after the deductible.
PRESCRIPTION DRUG COVERAGE SUMMARY - FOR HAWAII ONLY
CLICK HERE to review a summary of the most frequently asked-about benefits. For a complete explanation, please refer to the EOC.
**Check with your medical plan preventive schedule for age and frequency limits for such services.
NOTE: For a detailed description of your medical plans, go to the Benefits Page on Central. The Summary of Benefits and Coverage (SBC) documents as required by the Patient Protection and Affordable Care Act (PPACA) are available on the Genesis Central Intranet site > Benefits Page > Official Documents and Required Employee Notices > Plan Documents > Medical.
The SBC's are also available below to download:
Kaiser DHMO Summary of Benefits and Coverage (SBC) - for CA
Kaiser POS Summary of Benefits and Coverage (SBC) - for HI
Kaiser DHMO Summary of Benefits and Coverage (SBC) - for MD, DC, and VA
Kaiser DHMO Summary of Benefits and Coverage (SBC) - for CO
Helpful Resources:
Kaiser My Strength Flyer
Kaiser Calm Promotional Flyer
Kaiser Mobile App
Kaiser Member Portal
Digital Membership Card (within the KP App and My Doctor Online App)
The Kaiser Permanente digital membership card is available via the Kaiser Permanente app to eligible members in Southern California, Colorado, Hawaii, and the Mid-Atlantic States. Northern California members can find the digital membership card in the My Doctor Online App. With the digital membership card, members can conveniently check-in, pick up prescriptions, and show proof of membership at any Kaiser Permanente location. They can also access the digital membership cards of their dependents and those for whom they hold healthcare proxies.
In Southern California, the Northwest, and Colorado, the digital membership card includes an integrated photo that serves as a valid ID.
Telemedicine
The Health Advocate Telemedicine Program, powered by MeMD, offers 24/7 access to licensed medical providers for help with a wide range of non-urgent health issues (i.e., asthma, bronchitis, ear and sinus infections, fever, sore throat, etc.). Confidential consultations are available online, by phone, or app.
Your provider will evaluate your issue and provide a diagnosis and treatment plan, and, if needed, submit a prescription directly to your local pharmacy. To request a consultation, go to www.HealthAdvocate.com/genesis (select “Telemedicine” under “Health”) or download the Health Advocate app through the App Store or get it on Google Play. You may also call Health Advocate at 866-681-8686.
You and your family members enrolled in an Anthem Blue Cross medical plan have access to the Health Advocate Telemedicine Program and there is no charge for this service.* Employees and their family members not enrolled in a Genesis Aetna or Blue Cross medical plan may also utilize this program at a cost of $52 per visit.
*Under the Basic plan, if you have not met your deductible, the cost is $38 per visit.
Additional Telemed Information:
Telemed FAQ
Telemed- 24/7 Access to Medical Care
Pre-Certification
Pre-certification is required for all inpatient admissions, many outpatient procedures, and diagnostic testing.
-
Your in-network physician may coordinate and be responsible for the pre-certification.
-
Please verify with your provider that pre-certification has taken place.
-
If you go out of network, you must obtain approval by calling the number listed on the back of your ID card.
Wellness Programs
Genesis is committed to your health and well-being. We realize that the daily demands of life, in addition to extended hours spent at work, can become a barrier to practicing healthy lifestyle habits. To show our dedication to you, we have made it our priority to provide you with tools and resources to achieve your personal wellness goals and take care of your most valuable possession- your health. Genesis' partnership with Health Advocate provides you access to a comprehensive wellness program and is detailed below, and on the Living Well page available on the Genesis Central intranet site or from your Benefits Designee/HR Generalist.
Wellness Services
The confidentiality of your Personal Health Information (PHI) is protected by the Health Insurance Privacy & Accountability Act (HIPAA)
- Genesis does not receive individual personal health information. We do receive summary data by location.
- HIPAA does permit covered entities to use and disclose PHI, without an individual’s authorization, for Health Care Operations. Section § 164.501 of the law defines Health Care Operations to include “...population-based activities relating to improving health or reducing health care costs...” PHI for Genesis’ members is sent from our medical and pharmacy vendors to Health Advocate to improve health and reduce health care costs, therefore individual authorization is not required.
- CLICK HERE to download the Notice of Availability of HIPAA Notice of Privacy.
Biometric Screenings
If COVID-19 restrictions allow, onsite biometric screenings will be held at many Genesis center locations. Due to the pandemic, employees have the option to complete a Well-Being Call instead of a biometric screening.
If you prefer a biometric screening and you work at a location that is not offering an onsite event, the following options are available:
*Please Note: Check your medical plan’s preventive schedule before utilizing the Physician Health Screening Form. You will be responsible for any deductible or coinsurance amounts if you do not meet the plan’s age and frequency limits for such services.
What biometrics are measured during the onside screening?
- Height and weight
- Body mass index
- body fat percentage
- Waist Circumference
- Blood pressure check
- Fingerstick
- Glucose test
- Lipid profile, including total cholesterol, HDL, and the ratio of total cholesterol to HDL
If the onsite health screenings are resumed, they are conducted by skilled clinical staff, all hired and trained by Health Advocate. Screening assessments provide immediate individual results. Once you complete your Personal Health Profile, contact Health Advocate to review your results and receive points towards your Wellness Participation Reward.
NOTE: For most accurate results, it is recommended but not required, that you fast for up to 8 to 9 hours prior to your screening.
Personal Health Profile
- You may complete a Personal Health Profile by logging on to www.healthadvocate.com/genesis. Click on “Complete Your Personal Health Profile” on the home page To-Do List.
- The assessment is self-reported and focuses on general health, lifestyle, nutrition, physical activity, stress, and clinical information.
Kaiser Plan Rates
CLICK HERE for the bi-weekly rates for CA, MD, DC, VA, and CO
CLICK HERE for the bi-weekly rates for HI
Tobacco Surcharge
Research has verified that people who use tobacco/nicotine products, and people living with smokers, are at greater risk for illness and, therefore, spend more health care dollars.
To offset these increased expenses, Genesis charges less per month for employees and/or their dependents who do not use tobacco/nicotine products and are participating in our Medical plans.
All others must pay an additional charge of $40.00 biweekly or $20.00 weekly.
If you have answered “yes” to the question, “Have you or any dependents covered under our medical plan used tobacco/nicotine products (which include cigarettes, e-cigarettes, pipes, cigars, chewing tobacco, snuff or any other type of smoking or smokeless tobacco) in the last 90 days?”, this additional charge will be applied. This question must be answered in order to be eligible to enroll in a medical plan. Falsification of this information may result in loss of benefits and disciplinary action.
The Genesis plan is committed to helping you achieve your best health. Rewards for participating in the Living Well programs are available to all eligible employees. If you think you might be unable to meet a standard for a reward under this program, you might qualify for an opportunity to earn the same reward (no tobacco surcharge) by different means. Contact the Living Well mailbox at livingwell@genesishcc.com within 30 days of your effective date and we will work with you, and if you wish, your doctor, to find a wellness program with the same reward that is right for you.
Health Education Session/Coaching Call
You can participate in health coaching (via telephone, email, or chat) with a Health Advocate Wellness Coach. Your Coach can help you with personal goals and provide education and motivation to lead a healthy lifestyle!
- Contact a Wellness Coach at 866-681-8686.
Chronic Care Support (CCS)
The Chronic Care Support program, provided by Health Advocate, is for employees with certain chronic conditions and is intended to help you manage your condition and complement your doctor's treatment plan.
- Asthma
- Chronic Kidney Disease
- Diabetes
- Depression
- Hypertension
- Heart Disease
- Congestive Heart Failure
- COPD
- Metabolic Syndrome
The Chronic Care Support program, provided by Health Advocate, is for employees with certain chronic conditions and is intended to help you manage your condition and complement your doctor's treatment plan.
Wellness Program Reward
If you are an employee enrolled in a Genesis medical plan, you will need to earn a total of 100 points by October 31, 2022, to be eligible for the 2023 Wellness Participation Reward. You can keep track of your points on the www.healthadvocate. com/genesis homepage or by calling Health Advocate at 866-681-8686.
Are You Prepared for the Unexpected?
First and foremost, life insurance is designed to pay a death benefit to your beneficiaries when we die. It can protect the financial future of those we love and who are dependent on us (our spouse, children, and parents).
Policy death benefits can provide funds to protect our families in ways like these:
- Help pay for food, clothing, and other regular living expenses
- Pay off the mortgage on our house and other debts
- Provide funds to pay our children's college and other educational expenses
- Pay funeral, medical, and estate administration expenses
Voluntary Term Life Insurance
Some of the advantages of Voluntary Term Life are:
-
No health questions. You can purchase up to the guaranteed issue limit with no health questions if you enroll when first eligible.
-
Family coverage. You can elect coverage for yourself, your spouse, and your children.
-
Low premium cost. If applying at a young age. Costs increase as you and your dependents age.
The Voluntary Term Life Insurance plans through Symetra provides the following coverage:
Company-Paid Group Life Insurance
In most cases, Genesis automatically provides Term Life Insurance coverage through Symetra at no cost to you.
*Go to your Benefits Summary on your Benefits Home Self Service Page on GenSERV to verify your company-paid group life insurance coverage and beneficiary designation.
Coverage levels are shown below:
Employee, Spouse and Child Rates (Monthly)
Helpful Resources- Life
How to Enroll
To enroll or make changes to Voluntary Term Life Insurance plans, please call Genesis Employee Benefit Helpline at 1-800-513-9925 or
CLICK HERE to schedule an appointment.
Conversion or Portability of Company Paid and/or Voluntary Term Life Insurance
If your coverage ends, you may convert or port the amount of your basic and/or voluntary life coverage.
Note: Your options may be limited by your existing medical conditions. You have 60 days after your coverage ends (the last day of employment in most cases) to apply for an individual policy and make the first premium payment.
- To apply for conversion, call Health Reinsurance Management Partnership (HRMP) at 888-999-4767.
- To apply for portability, call Symetra at 800-426-7784. (Reference policy #01017828-00).
Planned Time-Off Benefits
As a Genesis employee, you are a dedicated and respected member of our family. We understand that you will be at your best when you are able to meet your personal needs and enjoy regular rest and relaxation. That is why Genesis is pleased to offer planned time-off to our employees. You will receive information about these benefits during your Welcome Program/Orientation.
See your manager or Benefits Designee/HR Generalist for details.
Employee Assistance Program (EAP)
(Full-Time Employees Only)
Health Advocate EAP is a service provided by Genesis at no cost to you.
The Employee Assistance Program (EAP), provided through Health Advocate, offers confidential telephone assessments and three face-to-face assessment meetings, as well as referral services to help you and your eligible dependents successfully manage life’s problems. Your EAP counselor will listen to your concerns, help you identify the source of your problems, and work with you to find practical solutions. You can turn to your EAP for help with issues that interfere with your personal or work life, such as stress management, marital or relationship issues, parenting, depression, grief or loss, alcohol and drug problems, child or elder care, and financial concerns. The EAP counselors are available 24 hours a day, 7 days a week. Most importantly, the EAP is strictly confidential. The direct toll-free number for Health Advocate is 866-681-8686.
Helpful Resources:
EAP Genesis Service Overview
EAP Program
Financially Fit Flyer
Health Advocate- We're Here to Help
Michael R. Walker Foundation (MRWF)
The Michael R. Walker Foundation (MRWF), previously
known as Genesis Employee Foundation (GEF) was
started in 2005 as a 501(c)(3) tax-exempt organization
separate from Genesis HealthCare. The Foundation, which
is funded almost completely by employee contributions,
provides assistance to employees whose financial
situations have been severely impacted by unforeseen
medical issues, natural disasters/fire, domestic abuse or
funeral expenses for loved ones. Since its inception, the
MRW Foundation has awarded over $10 million dollars in
grants. The Foundation also helps connect employees to
local and national resources that can help them through
their specific situations.
If you are already contributing, the Foundation thanks you!
If you would like to begin contributing, see your Benefits
Designee/HR Generalist to make an online donation
through GenSERV.
For more information, please email us at
MRWFoundation@genesishcc.com or call us at
610-925-2121.
AnnieMac Mortgage Benefit Program
See how much you can save with the VIP Mortgage Benefit Program, exclusively from AnnieMac Home Mortgage.
Click the link below for more information:
AnnieMac Mortgage Benefit Program
ElderCare Benefit Program
Under the ElderCare Benefit, you may be eligible for a 5% reimbursement on out-of-pocket expenses associated with services for eligible dependents by Genesis providers.
These services include skilled nursing and rehab (expenses for room and board), and SelectCare
(private duty home care).
For more information on skilled nursing and rehab services, call the toll-free number for your CareLine representative at 1-866-745-CARE (2273). For SelectCare, call 1-800-480-3225, Option 3.
*The 5% reimbursement will be considered taxable income to you, the employee, due to IRS regulations related to non-tax-qualified dependents.
To download the reimbursement request form, click the link below:
ElderCare Benefit Reimbursement Request
PEER Program
In most states, employees can donate vacation time to co-workers who are absent due to a personal emergency and have exhausted all available benefit time through the PEER Program (Personal Emergency Employee Relief Program).
A personal emergency includes medical or family emergencies or other hardship situations that require an employee's absence from work for a prolonged period of time.
To donate vacation time or to apply, contact your Benefits Designee/HR Generalist.
Perks @ Work
Genesis has partnered with various retail/service providers to offer discounted services and products to you.
Programs include:
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Genesis Bank@Work Partnerships (BB&T, Bank of America, Wells Fargo, PNC, and Santander): Receive special benefits on checking/savings accounts, online banking, mortgages, loans, lines of credit, CD’s, IRA’s plus you are eligible to receive financial education from a Relationship Banker. Visit any one of these participating Bank@Work providers in your local area to learn more about discounts for Genesis employees. You will be required to show your employee ID.
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Travel Discounts including car rental (Enterprise and National), select hotel and airfare: Please visit this site to learn more: https://sites.google.com/genesishcc.com/egencia-travel/special-pricing. If you are not connected to the VPN, log in with Remote Access.
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Wireless Service Discount (AT&T, Sprint, and Verizon): Eligible for a discount on calling plans and equipment (AT&T = 25% discount; Sprint = 24% discount and Verizon = discount of 19% with a paper invoice or 22% with paperless billing). Go online or visit a local store and provide proof of employment (AT&T: Genesis Code #3306321 and FAN #02504524; Sprint: Genesis Code #HCINN_GHC_ZZZ; Verizon: no code—show proof of employment). Discounts may not be applicable to unlimited data plans.
Sign up for these discounts through the vendor websites by clicking the links below:
» AT&T
» T-Mobile/Sprint
» Verizon CLICK HERE to download the Verizon informational flyer.
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Internet and TV Service Discount (Verizon): Eligible for $10 discount per month on Verizon FIOS Triple Play consisting of home phone, Internet, and FIOS TV, and $5 on qualifying Double Play plans consisting of FIOS TV and Internet. NOTE: A Genesis email address is required for validation of eligibility.
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Group Auto and Homeowners: You are eligible for discounted insurance through the Liberty Mutual Auto and Home Program. Coverage types available include auto, home, condo, and renters insurance.
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Pet Insurance: Liberty Mutual’s customized Pet Insurance delivers multiple policy options spanning accidents, illnesses, and wellness with affordable coverage and the ability to select the percentage you’ll get back from each visit up to 90%, after your deductible and up to your annual maximum. Through direct bill, choose the best policy to protect your pet with coverage underwritten by a company with more than 100 years of insurance experience, and the flexibility to use any vet you choose. Fetch a quote at pet.libertymutual.com/Genesis or call 1-844-250-9199 and reference promo code GENESIS for your discount.
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Tuition Discounts: Many of our University Partners offer tuition discounts to our employees and their family members. Please explore our University Partners Sharepoint site for more information. (Go to the Genesis Central Intranet Site > Clinical > Clinical Resource Library> Professional Development> University Partners for additional information.)
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HTA: HTA provides free Medicare Education and Enrollment Assistance. If you or a family member need advice on:
- Transitioning from a Group Health Policy to Medicare
- When to enroll or defer Medicare Part B if not retiring at age 65
- What happens when you and your spouse do not turn 65 at the same time
- What does Medicare cover and not cover
- Is secondary insurance necessary and what are the options
Call the HTA Client Services Team at 888-430-6650, option 1, for a free consultation (9:00 am – 5:00 pm EST Monday through Friday and 9:00 am – 4:00 pm EST on Friday).
Commuter Benefits
(Full-TIme and Part-Time Employees)
Through the Optum Financial Commuter Benefits program, the following expenses can be deducted from your paycheck on a pre-tax basis:
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Work-related transit expenses (up to $300 per month), which includes train, bus, subway, and rideshare (vanpool, Uber Pool or Lyft Line)
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Parking expenses (up to $300 per month), which includes at work or at a mass transit or vanpool location
Go to www.optumfinancial.com and 'Member Support' for additional details on this program.
Optum Financial Portal Overview
Commuter Benefits Overview
Commuter Benefits FAQ
What is a Health Savings Account?
A Health Savings Account (HSA) is like a personal savings account, but it can only be used for qualified healthcare expenses. To be eligible, you must be enrolled in a High Deductible Health Plan. Health Savings Accounts also have some important tax advantages.
What is an eligible expense? Eligible expenses include a wide range of medical, dental, and mental health services.
For more information, CLICK HERE to review the IRS Publication 502.
Why a HDHP Flyer
Introduction to HSA Flyer
How do I contribute? Contributions are typically made with pre-tax dollars, through payroll deductions at your employer. As a result, they are not included in your gross income and are not subject to federal income taxes. In most states, contributions are not subject to state income taxes.
Health Savings Account (HSA)
Eligibility
The Health Savings Account (HSA) offered through Optum Financial is only available if you are enrolled in the Basic Savings Plus Plan and not enrolled in any of the following plans:
- Medicare Part A or Part B
- Any other medical plan (with the exception of a high deductible medical plan)
- An Aflac non-HSA compatible Hospital Indemnity or Critical Illness Plan
Important: If you or your spouse were enrolled in a Genesis FSA in 2022, you will need to have a zero balance on 12/31/22 to open an HSA on 1/1/23, otherwise you cannot open an HSA until after the grace period expires on 4/1/23.
How Your HSA Works
An HSA will be opened automatically after you elect the HSA option. Monthly account fees may apply. See the Health Savings Account (HSA) section on Benefits Central for details and minimum balances to reduce or eliminate fees.
Any payroll pre-tax contributions you elect will be directly deposited into your HSA. Money available in your HSA can be used for qualified health care expenses (medical, dental, and vision) incurred by you, your spouse, or eligible dependents. Unlike the Health Care Flexible Spending Account, the full annual election of the HSA is not available immediately. Only the amounts that are deposited become available for withdrawal or investment. You can access funds via debit card, online bill pay, and online withdrawal. Contact Optum Finacial for information regarding investment options. Any interest or investment earnings on the funds in the HSA are tax-free.
Unlike the Health Care FSA, there is no "use it or lose it" provision. All balances in the HSA roll over from one year to the next and you will not forfeit any dollars in your HSA even if you move to another company. It is a great way to save for health care expenses down the road.
Your Contributions
The IRS allowable annual contribution maximums are as follows:
- For employee-only coverage: $3,850
- For all other levels of coverage: $7,750
* if you are 55 or older, you can contribute an additional $1,000 which is called a "catch-up contribution"
** your maximum contribution amounts will be prorated if you are not enrolled in the Basic Plan for the entire year
If you enroll in the Basic Plan after January 1, see the Genesis Central intranet site or your Benefits Designee/HR Generalist for the maximum payroll contributions allowed for the partial plan year.
HSA funds can only be used for eligible health expenses for tax-qualified dependents. Your HSA funds can be used for your legally married spouse and your children.
NOTE: If you currently have an HSA with another banking institution, you may roll over your HSA funds into your new HSA. Please see the Genesis Central intranet site for additional information.
As with any bank account or debit/credit card, your Health Savings Account should be monitored for fraudulent activity. The best defense is to closely monitor HSA activity and to maintain complex passwords which you frequently update.
Helpful Resources- HSA
Reasons to Enroll in a Health Savings Account (HSA)
Health Savings Accounts (HSA) offer three key tax benefits.
- Tax-free contributions to your HSA
- Tax-free earnings from interest and investments in your HSA
- Tax-free payments from your HSA for qualified medical, dental, and vision expenses
By contributing to your HSA with pre-tax payroll deductions you can maximize your tax savings and the amount you have to spend on medical expenses.
Here's an example of how it works:
Additional Resources:
Health Savings Accounts
User Guide
Mobile App
Optum Store
List of HSA Eligible Expenses
Optum Financial Online Portal Overview
* For easy access to your account information, download the Optum Financial Mobile App either through the App Store or on Google Play.
Plan Highlights
Genesis wants to help you build a healthier financial future, and that is why we provide you with a retirement savings plan through Empower and regularly monitor it to ensure that it offers you a great savings opportunity, Whether you are a long-time saver or just getting started, Empower can help you plan for your life in retirement, which could last two or three decades or more.
Eligibility and Plan Specific Details
NOTE: Genesis employees become eligible to join the retirement plan after completing 60 days of employment.
THERE ARE TWO PLANS:
1. Genesis Administrative Services 401(k)
- This plan is for:
- Employees in grades 12 and above
- This plan excludes employees in a collective bargaining unit position and center-based employees working in California, Nevada, and Washington
- Important Details:
- Automatic Enrollment: You will be automatically enrolled at a pre-tax contribution rate of 4% and will be invested in an age-appropriate Vanguard Target Retirement Trust I fund, until you make your own investment choices or change your contribution amount
- Contribution Accelerator: Your contribution rate will automatically increase 1% every January 1 until it reaches 6%
- You can make changes or opt-out of Automatic Enrollment or Contribution Accelerator at any time
2. Genesis Administrative Services 401(k)
- This plan is for:
- Employees in grades 11 and below
- All employees eligible for the Genesis 401(k) plan as part of their Collective Bargaining Agreement
- Center-based employees working in California, Nevada, and Washington, regardless of grade level
Eligible employees may enroll or change their contribution percentage at any time by calling Prudential at 866-GHC-401K (866-442-4015), Monday through Friday, 8 a.m. to 9 p.m. EST. You may also visit Genesis.retirepru.com.
Additional Plan Features
1. The retirement plan will offer the option of Roth contributions which allow you to have some/all contributions deducted from your paycheck after taxes. This provides the ability to withdraw qualified money at retirement without paying federal taxes. *
2. Automatic Account Rebalancing: You may elect to have your account automatically rebalanced each quarter to realign your portfolio to the asset allocation you originally selected.
* Qualified distributions are federal income tax-free provided the Roth account has been open for a least five tax years, which begins January 1 of the first year you make a contribution to a Roth account, and the owner has reached age 59 ½, has died, or has become disabled. Qualified Roth distributions may be subject to state and local taxes.
Employee Contributions
You may contribute between 1% and 75% of your pre-tax pay through regular payroll deductions, up to the annual maximum established by the IRS. If you are age 50 or older, you may contribute additional "Catch-Up" tax-deferred dollars. Your contributions and investment earnings grow tax-deferred until the money is withdrawn. All contributions may be direct to any or all of several investment options.
The deferrals of highly compensated employees, as defined by the IRS, may be capped to comply with nondiscrimination testing requirements.
COBRA
If you or your dependents lose health coverage in a Genesis-sponsored health plan, you/they may have an opportunity for a temporary extension of health coverage at group rates. This is called COBRA. Notification of these COBRA rights will automatically be provided to you and your family once you elect or lose health coverage.
Click on the link below to download or review the General Notice of COBRA Continuation Coverage Rights.
General Notice of COBRA Continuation Coverage Rights
Annual Notice of Women's Health and Cancer Rights Act
The Women's Health and Cancer Act ("Women's Health Act") was signed into law on October 21, 1998. This law requires that all medical plans cover breast reconstruction following a mastectomy.
Under this law, if an individual has had a mastectomy and elects to have breast reconstruction, the medical plan must provide the following coverage as determined in consultation with the attending medical provider and the patient.
- Reconstruction of the breast on which the mastectomy has been performed
- Surgery and reconstruction of the other breast to produce a symmetrical appearance
- Prostheses and coverage for physical complications at all stages of the mastectomy, including lymphedemas
Benefits received for the above coverage will be subject to any deductibles and coinsurance amounts required under the medical plan for similar services.
Call your plan administrator, the HR Service Center by calling 1-888-HR-AT-GHC (1-888-472-8442) and select Option 2 for more information.
To download the Annual Notice of Women's Health and Cancer Rights Act CLICK HERE.
Maternity and Newborn Coverage
Since the Plan offers medical benefits that include maternity and newborn coverage, you are advised that under federal law, the Plan may not restrict benefits (or fail to provide reimbursement) for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a normal vaginal delivery, or less than 96 hours following a cesarean section, or require authorization from the Plan or its administrator or the insurance issuer for prescribing a length of stay not in excess of the above periods. However, federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).
CLICK HERE to download the Maternity and Newborn Coverage Notice
Summary of Benefits and Coverage (SBC)
Summary of Benefits and Coverage (SBC) documents for the Basic, Advantage, Max Value and Kaiser Plans are available on the Medical Benefits tab of this site, the Genesis Central intranet site, or see your Benefits Designee/HR Generalist. Links within the online enrollment pages on GenSERV will also take you to the SBCs.
Health & Welfare Plan Document and Summary Plan Description (SPD)
The Genesis HealthCare Health & Welfare Plan Document and Summary Plan Description (SPD) is available on the Genesis Central intranet site or you may request a hard or soft copy from your Benefits Designee/HR Generalist or by calling the HR Service Center at 1-888-HR-AT-GHC (888-472-8442).
Other important notices and documents are detailed in the SPD and include the following:
- ERISA Rights Statement
- Important Information about Your Health Information Play Privacy
- Maternity and Newborn Coverage
- COBRA Information
- Claim Procedure Details
- Premium Assistance Under Medicaid and the Children's Health Insurance Program (CHIP)
*To download the Children's Health Insurance Program Notice (CHIP) CLICK HERE.
Medicare Part D Creditable Coverage
Important Notice from Genesis Administrative Services, LLC About Your Prescription Drug Coverage and Medicare
Based on information from the Centers for Medicare and Medicaid Services (CMS), this notice is about Medicare Part D and your prescription drug coverage under all the following Genesis-sponsored medical plans:
- Anthem Blue Cross Plans
- Kaiser Plans
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Genesis Administrative Services, LLC (the "Plan Sponsor") and about your options under Medicare's prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.
There are two important things you need to know about your current coverage and Medicare's prescription drug coverage:
- Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
- The Plan Sponsor has determined that the prescription drug coverage offered by the Genesis Healthcare Health and Welfare Plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.
When Can You Join A Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.
However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.
What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?
If you decide to join a Medicare drug plan, your current Plan Sponsor coverage may be affected. Moreover, if you do decide to join a Medicare drug plan and drop your current Plan Sponsor coverage, be aware that you and your dependents may not be able to get this coverage back.
Please contact the person listed at the end of this notice for more information about what happens to your coverage if you enroll in a Medicare Part D Prescription Drug Plan.
When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with the Plan Sponsor and don't join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.
For More Information About This Notice or Your Current Prescription Drug Coverage:
Contact the person listed below for further information. NOTE: You'll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through the Plan Sponsor changes. You also may request a copy of this notice at any time.
For More Information About Your Options Under Medicare Prescription Drug Coverage:
More detailed information about Medicare plans that offer prescription drug coverage is in the
"Medicare & You" handbook. You'll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.
CLICK HERE to download a copy of the Medicare Part D Creditable Coverage Notice
Medicare Part D Creditable Coverage- Additional Information
For more information about Medicare prescription drug coverage:
- Visit www.medicare.gov.
- Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov or call them at 1-800-772-1213 (TTY 1-800-325-0778).
Remember: Keep this Creditable Coverage Notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).
Date of Notice: 10/5/2021 (for the 2022 Plan Year)
Name of Entity/Sender: Genesis
Contact-Position/Office: Benefits Department
Address: 101 East State Street, Kennett Square, PA 19348
Phone Number: 1-888-472-8442 and Select Option 2
CLICK HERE to download a copy of the Medicare Part D Creditable Coverage Notice
Health Insurance Market Place Notice-Part A
PART A: General Information
When key parts of the health care law took effect in 2014, it provided a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the Marketplace and employment-based health coverage offered by your employer.
What is the Health Insurance Marketplace?
The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins November 1, 2021, for coverage starting January 1, 2022.
Can I Save Money on my Health Insurance Premiums in the Marketplace?
Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer's health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards.
If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit.*
*An employer-sponsored health plan meets the "minimum value standard" if the plans' share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs.
Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution- as well as your employee contribution to employer-offered coverage - is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.
How Can I Get More Information?
For more information about your coverage offered by your employer, please check your summary plan description on the Medical Benefits tab or visit the Benefits page at https://sites.google.com/genesishcc.com/ghchr/hr-home.
The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its costs.
Please visit www.healthcare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.
CLICK HERE to download a copy of the Health Insurance Marketplace Notice.
Health Insurance Market Place Notice- Part B
PART B: Information About Health Coverage Offered by Genesis
This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace you will be asked to provide this information. This information is numbered to correspond to the Marketplace application.
Here is some basic information about health coverage offered by this employer (If you are in a bargaining unit position, please refer to your Collective Bargaining Agreement to determine medical plan eligibility):
- As your employer, we offer a health plan to:
- All employees. Eligible employees are:
Full-time employees working 30 hours or more per week Part-time or casual employee working 30 hours or more per week in period defined in benefits summary
- With respect to dependents:
- We do offer coverage. Eligible dependents are:
Legally married spouse Children to the end of the month of their 26th birthday, including biological, adopted and stepchildren Children who are incapable of self-sustaining employment by reason of mental or physical handicap. If covered as a dependent prior to age 26, children for whom the employee must provide health insurance by a qualified medical child support order. (QMSCO)
THIS COVERAGE MEETS THE MINIMUM VALUE STANDARD, AND THE COST OF THIS COVERAGE TO YOU IS INTENDED TO BE AFFORDABLE, BASED ON EMPLOYEE WAGES.
Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through the Marketplace. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. If, for example, your wages vary from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly employed mid-year, or if you have other income losses, you may still qualify for a premium discount.
If you decide to shop for coverage in the Marketplace, www.healthcare.gov will guide you through the process. Enter the employer information shown in this section when you visit www.healthcare.gov to find out if you can get a tax credit to lower your monthly premiums.
CLICK HERE to download a copy of the Health Insurance Marketplace Notice.
Notice Regarding Living Well Wellness Program
HIPPA Wellness Notice
Your health plan is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all participants. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact Health Advocate 866-681-8686 and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status if you are eligible for an alternate standard.
EEOC Wellness Notice
The Genesis Living Well program is a voluntary wellness program available to all employees. The program is administered according to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent disease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness program you will be asked to complete a Personal Health Profile (PHP) that asks a series of questions about your health-related activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease). You will also be asked to complete a biometric screening, which will include a blood test for blood sugar (to include cholesterol HDL and total cholesterol to HDL ratio), blood pressure, height, weight, and waist circumference. You are not required to complete the PHP or to participate in the blood test or other medical examination.
However, employees who choose to participate in the wellness program will receive an incentive of contribution discount for receiving the incentive. Although you are not required to participate, only employees who do so will receive the incentive.
Your results will be used to provide you with information to help you understand your current health and potential risks and may also be used to offer you services through the wellness program, that may be offered. You also are encouraged to share your results or concerns with your own doctor.
Protections from Disclosure of Medical Information
We are required by law to maintain the privacy and security of your personally identifiable health information. Although the wellness program and Genesis Administrative Services, LLC may use aggregate information it collects to design a program based on identified health risks in the workplace, Living Well Wellness will never disclose any of your personal information either publicly or to the employer, except as necessary to respond to a request from you for a reasonable accommodation needed to participate in the wellness program or as expressly permitted by law. Medical information that personally identifies you that is provided in connection with the wellness program will not be provided to your supervisors or managers and may never be used to make decisions regarding your employment.
Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to carry out specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of your health information as a condition of participating in the wellness program or receiving an incentive. Anyone who receives your information for purposes of providing you services as part of the wellness program will abide by the same confidentiality requirements. The only individual(s) who will receive your personally identifiable health information is (are) The health information recipient in order to provide you with services under the wellness program.
In addition, all medical information obtained through the wellness program will be maintained separate from your personnel records, information stored electronically will be encrypted, and no information you provide as part of the wellness program will be used in making any employment decision. Appropriate precautions will be taken to avoid any data breach, and in the event a data breach occurs involving information you provide in connection with the wellness program, we will notify you immediately.
You may not be discriminated against in employment because of the medical information you provide as part of participating in the wellness program, nor may you be subjected to retaliation if you choose not to participate.
If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact the HR Service Center by calling 1-888-HR-AT-GHC (188-472-8442) and Select Option 2.
CLICK HERE to download a copy of the Notice Regarding Living Well Wellness Program
Notice of Non-Discrimination
Genesis service locations comply with Civil Rights Laws and do not exclude, deny benefits to, or otherwise discriminate against any person (i.e. patients, employees, or visitors) because of race, color, religion, national origin, gender, gender expression, gender identity, sexual orientation, age, disability, marital status, pregnancy, ancestry, genetic information, amnesty or veteran status in admission to, participation in, or receipt of the services and benefits under any of its programs and activities whether carried out by the location directly or through a contractor or any other entity with which the location ranges to carry out its programs or activities.
- Genesis employees have a right to appropriate auxiliary aids and services free of charge.
- Genesis service locations will take appropriate steps to ensure that persons who are deaf, hard of hearing, or blind, or who have other sensory or manual impairment have an equal opportunity to participate in our services, activities, programs, and other benefits.
- Examples of auxiliary aids and services include, but are not limited to:
- Qualified language interpreters, including sign language
- Telephone devices such as handset amplifiers, assistive listening devices or systems, and videotext displays
- Communication devices such as writing materials, Ipads, flashcards, and communication boards
If you need these services or believe that a Genesis service location has failed to provide these services or has engaged in discrimination, or if you need help filing a grievance, you may contact the Civil Rights Coordinator who is available to help you:
Center Executive Director
Rehab Agency Administrator or Group Practice Director of Rehab
ReachOut Line: 1-800-944-7776
reachout@genesishcc.com
You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office of Civil Rights electronically through the Office for Civil Rights Complaint Portal available at: U.S. Department of Health & Human Services Office of Civil Rights- Complaint Department,
→ by mail: U.S. Department of Health and Human Services,200 Independence Ave SW., Room 509F, HHH Building, Washington, D.C. 20201
→or by phone: 1-800-868-1019 or 1-800-537-7697 (TDD)
Download a Complaint Form HERE.
Notice of Special Enrollment Rights
If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents' other coverage). However, you must request enrollment no later than 30 days after your or your dependents' other coverage ends (or after the employer stops contributing toward the other coverage).
In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must request enrollment no later than 30 days after the marriage, birth, adoption, or placement for adoption.
Effective April 1, 2009, if either of the following two events occur, you will have up to 30 days after the date of the event to request enrollment in your employer's plan:
- Your dependents lost Medicaid or CHIP coverage because they are no longer eligible.
- Your dependents become eligible for a state's premium assistance program.
To take advantage of special enrollment rights, you must experience a qualifying event and provide the employer plan with timely notice of the event and your enrollment request.
To request special enrollment or obtain more information, contact the Benefits Department by calling the HR Service Center by calling 1-888-HR-AT-GHC (1-888-472-8442) and Select Option 2.
CLICK HERE to download a copy of the Notice of Special Enrollment Rights.
ERISA Rights Statement
As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all plan participants shall be entitled to:
Receive Information about Your Plan and Benefits
Examine, without charge, at the plan administrator's office and at other specified locations, such as worksites and union halls, all documents governing the plan, including insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration.
Obtain, upon written request to the plan administrator, copies of documents governing the operation of the plan, including insurance contracts and collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description. The administrator may make a reasonable charge for the copies.
Receive a summary of the plan's annual financial report. The plan administrator is required by law to furnish each participant with a copy of this summary annual report.
Continue Group Health Plan Coverage
Continue health care coverage for yourself, spouse or dependents if there is a loss of coverage under the plan as a result of a qualifying event. You or your dependents may have to pay for such coverage. Review this summary plan description and the documents governing the plan on the rules governing your COBRA continuation coverage rights.
Prudent Actions by Plan Fiduciaries
In addition to creating rights for plan participants, ERISA imposes duties upon people who are responsible for the operation of the employee benefit plan. The people who operate your plan, called “fiduciaries†of the plan, have a duty to do so prudently and in the interest of you and other plan participants and beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA.
Enforce Your Rights
If your claim for a welfare benefit is denied or ignored in whole or in part you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules.
Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of the plan documents or the latest annual report from the plan and do not receive them within 30 days, you may file suit in a Federal court. In such a case, the court may require the plan administrator to provide the materials and pay you up to $110 a day until you receive the materials unless the materials were not sent because of reasons beyond the control of the administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. In addition, if you disagree with the plan’s decision or lack thereof concerning the qualified status of a medical child support order, you may file suit in Federal court.
If it should happen that plan fiduciaries misuse the plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal court. The court will decide who should pay court costs and legal fees. If you are successful the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous.
Assistance with Your Questions
If you have any questions about your plan, you should contact the plan administrator. If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the plan administrator, you should contact the nearest office of the Employee Benefits Security Administration (EBSA), U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, EBSA, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under ERISA by calling the EBSA's publications hotline.
For more information:
For more information about your rights under ERISA, including COBRA, HIPAA, and other laws affecting group health plans, contact the U.S. Department of Labor's EBSA in your area or visit the EBSA website at www.dol.gov/ebsa.
CLICK HERE to download the ERISA Rights Statement
Your Dental Plan Coverage
Regular visits to your dentist can protect more than your smile; they can help protect your health. Recent studies have linked gum disease to damage elsewhere in the body, and dentists are able to screen for oral symptoms of many other diseases, including cancer, diabetes, and heart disease. Genesis knows that dental care is an important part of your overall health, and offers two dental options to fit you and your family's needs.
- Aetna Participating DPPO ( Employees residing in AL, LA, MS & TX are no longer eligible for this plan)
- Aetna Non-Participating DPPO
How the Plans Work
Aetna Participating DPPO: Each time you seek care under the Participating DPPO, you have the freedom of using participating network dentists or using dentists outside the network. After you meet the deductible, if applicable, the plan pays a percentage of covered services.
Aetna Non-Participating DPPO: If you reside in an area with limited access to Aetna providers, or if your dentist is not in the Aetna network, you have the option to enroll in the Non-Participating DPPO, which for most services, provides a higher benefit level than the Participating DPPO out-of-network coverage.
You may request pre-treatment estimates from your dentist for both DPPO plans when extensive dental work (in excess of $200) is proposed.
Click on the links below for a detailed summary of each dental plan option.
Aetna Participating DPPO Benefit Summary
Aetna Non-Participating DPPO Benefit Summary
What's Covered
AL, LA, MS, and TX are not eligible to elect the Aetna Participating DPPO Plan for 2023, they are only eligible to elect the Aetna Non-Participating DPPO for 2023.
CLICK HERE to view or download the 2023 Aetna bi-weekly rates
CLICK HERE to view or download the 2023 Aetna weekly rates
Finding a Provider Near You
To locate a dentist in your area, contact Aetna Dental at 1-800-994-4282, or go to www.aetna.com.
INSTRUCTIONS
- Under 'Continue as a guest'; type in zip code; Select Search (before selecting Search, update the miles if applicable)
- Under 'Select a Plan'; Select Dental PPO PDN; then press Continue
- The search bar will then appear; type in either the provider name or the type of service you are searching for.
Extra Discounts and Savings
- As an Aetna member, you have access to exclusive discounts on premium dental hygiene and health care products.
How to Enroll in Aflac Products
Call the Genesis Employee Benefit Helpline to speak with a BPA Benefit Coach by calling 1-800-513-9925.
Aflac Policies Offered to Genesis Employees
Voluntary Term &Whole Life Insurance
Genesis employees now have the option to purchase Voluntary Term & Whole Life Insurance through Aflac. Protecting your family's future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable Voluntary Life Insurance at a low group rate.
Voluntary Short-Term Disability
You may choose to participate in a Voluntary Short-Term Disability program. This program provides financial security in case of a disability. You may choose between an individual and group policy. Your BPA Benefits Coach can explain these options and associated costs.
Voluntary Hospital Indemnity Insurance
The Voluntary Hospital Plan provides cash benefits for inpatient hospitalization. This plan is offered on a group basis and is HSA compatible.
Voluntary Personal Accident Insurance
The Voluntary Personal Accident Plan is designed to help cover the expenses associated with an accidental injury and provides direct cash benefits for emergency treatment, hospitalizations, specific injury treatments, accidental death, etc., regardless of any other insurance you may have.
Voluntary Critical Illness Coverage
Voluntary Critical Illness Coverage is designed to pay cash in the event that you or your covered family member is diagnosed with a critical illness, such as heart attack, coma, end-stage renal failure, stroke, paralysis, or major human organ transplant. Note: This plan is non-HSA compatible. If you participate in an HSA, this plan is not available to you.
Voluntary Cancer Coverage
Voluntary Cancer Coverage is designed in the event that you or your covered family member is diagnosed with cancer. Benefits include both inpatient and outpatient services, along with an annual wellness benefit.
Helpful Resources:
Aflac Always Flyer
Managing Your Policy
How to File a Claim:
* What do you need to file your claim? Go to aflac.com/myresources to find out.
How to Port Your Coverage:
- Aflac Group: CLICK HERE to download and complete the Aflac Group Portability Packet or reach out directly to Aflac Group for additional assistance at 1-800-433-3036.
- Aflac Individual: If you part with Genesis and would l like to keep your Aflac Individual policies, you may call Aflac at 1-800-992-3522 to port your policies on a direct basis. What if you forget to call? Aflac will send you a letter in the mail offering you an opportunity to continue coverage on a direct basis.
Home & Auto Insurance Through Liberty Mutual
You may be eligible for a discount on auto and/or home insurance through Liberty Mutual Insurance. Coverage types available include auto, home, condo, and renters insurance, and much more. Advantages are special savings, great coverage options, and convenient payment methods - credit card, EFT, and direct billing. Payroll deduction is available to full-time employees. Please call 1-844-651-7293 or visit www.libertymutual.com/genesis for your free quote. Please mention client #120205.
Coverages are underwritten by Liberty Mutual Insurance, Equal Housing Insurer. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify.
Pet Insurance
Liberty Mutual's customized Pet Insurance delivers multiple policy options spanning accidents, illnesses, and wellness with affordable coverage and the ability to select the percentage you'll get back from each visit up to 90%, after your deductible and up to your annual maximum. Through direct bill, choose the best policy to protect your pet with coverage underwritten by a company with more than 100 years of insurance experience, and the flexibility to use any vet you choose.
Obtain a quote at pet.libertymutual.com/Genesis or call 1-844-250-9199 and reference promo code GENESIS for your discount.
Helpful Resources:
Liberty Mutual Genesis Partner Flyer
Liberty Mutual Auto and Home Program Flyer
Liberty Mutual Auto FAQ Flyer
Liberty Mutual Pet Insurance Program Flyer
Your Vision Plan Coverage
Your eyesight is important; routine vision exams cannot only correct vision but also detect more serious health conditions.
Genesis offers you substantial savings on your eye care and eyewear needs at any of EyeMed's thousands of provider locations.
For Genesis employees, there are two vision plan options to choose from.
- Choice Plan
- Choice Plan Plus
How the Plan Works
Eyemed is a vision care network. When you use an EyeMed network provider, you pay less than if you go outside the network. If you do not use an EyeMed provider, you will receive an allowance towards your eye care expenses. You pay for the services and submit a claim for reimbursement.
NOTE: All claims must be filed within 15 months of the date of service.
Click the links below for a detailed summary of each vision plan option.
ENGLISH:
EyeMed Choice Plan Summary of Benefits
EyeMed Choice Plus Plan Summary of Benefits
SPANISH:
EyeMed Choice Plan Summary of Benefits
EyeMed Choice Plus Plan Summary of Benefits
What's Covered
CLICK HERE to view or download the 2023 Vision bi-weekly rates.
CLICK HERE to view or download the 2023 Vision weekly rates.
Finding a Provider Near You
For details on your EyeMed coverage, or to find an EyeMed provider, call 844-409-3400 or online at www.eyemed.com and register as a member to access the Genesis custom network of providers.
Lasik Providers
For Lasik providers call 877-5LASER6 or visit www.eyemedlasik.com.
Please Note: New enrollees will receive a vision ID card and a listing of four independent providers and retail providers closest to your home zip code.
Extra Discounts and Savings
Go to www.eyemed.com, register, and click on Special Offers for member-only special offers including:
- 40% off additional pair of prescription eyeglasses
- 15% off Lasik (retail) and 5% off (promo) price for Lasik
- 20% off any remaining frame balance beyond plan coverage
- 15% off any balance over the conventional contact lens allowance
- 20% off any item not covered by the plan
- $20 off at ContactsDirect.com
- Additional frame savings through Sears Optical and Target
Click on the links below for additional EyeMed member tools:
EyeMed Member Offer- Freedom Pass
EyeMed Member-Only Special Offers
Eyemed Hearing Loss Discounts
If enrolled in an Anthem Blue Cross Blue Shield medical plan, your Prescription Drug coverage is through EmpiRx Health.
This Prescription Drug Plan is a Mandatory Generic Plan. If you choose a brand-name medication when a generic equivalent exists, you will be responsible for the difference in cost between the brand and the generic plus the copay.
Retail Pharmacy Network
Your prescription benefit provides access to an extensive national pharmacy network, including Target, CVS, and most independent pharmacies. Your plan allows for a 90-day supply of maintenance medications.
Mail Order Pharmacy
You can easily obtain your maintenance medications through the EmpiRx Health mail-order pharmacy, Benecard Central Fill. Typically, prescriptions filled through mail order are for medications used to treat chronic conditions and are written for up to a 90-day supply, plus refills. You also have the option of obtaining a 90-day supply of maintenance medications at CVS and Target. Prescriptions for medications that you need to use right away should always be taken to your local pharmacy.
Please note that EmpiRx Health does NOT automatically refill your prescriptions, but you can order these refills from the member portal or the app.
Covered Medications
Your RX plan includes a listing of medications that the plan covers (referred to as a formulary). These medications are divided into tiers as follows:
- Generic- includes mostly generic prescriptions which are most cost-effective.
- Preferred- includes most affordable brand prescriptions.
- Non-Preferred- most expensive tier which contains brand prescriptions, many of which have other clinically effective or lower-cost alternatives.
Specialty Medications: (up to a 30-Day Supply)
- Specialty medications are high-cost biotechnology drugs that require special distribution, handling, and administration. These medications are typically designed to treat chronic diseases.
- All prescriptions must be obtained through Benecard Central Fill Specialty Pharmacy. Please note that specialty medications are limited to a 30-day supply.
Preventive Prescription Medications
Preventiveprescription medications will be covered shown in the chart on the following page before the deductible is met on the Basic Plan, applicable copays will apply first on all plans. Examples of preventive medications include many cholesterol-lowering agents, high blood pressure medications, and medication for asthma.
Your In-Network Cost for the Max Value and Advantage Plans
You pay the costs shown in the chart on the following page. Once you reach the following combined medical/Rx out-of-pocket maximum, your costs will be covered at 100%.
- Individual = $ 8.150
- Family = $16,300 (An individual withing the Familyi is $8,150)
Your In-Network Cost for the Basic Plan
Non-Preventive Prescription Medications
You must pay the full cost for all non-preventative prescriptions until your deductible of $3,000/individual or $6,000/family is met. Note: The specialty deductible does not apply to the Basic Plan. Once your deductible is met, non-preventative medications will be covered as shown in the chart on the following page. Once you reach the following combined medical/ Rx out-of-pocket maximum, your costs will be covered at 100%.
- Individual = $6,900
- Family = $13,800 (Individual within the Family = $8,150)
Covered Medications
NOTE: Genesis Healthcare has arranged for Payer Matrix to assist you in obtaining financial assistance for select specialty drugs. You need to enroll with Payer Matrix to obtain such assistance. If you enroll with Payer Matrix but are not eligible for financial assistance, your benefits will process in accordance with your plan design (i.e. applicable deductible and copayment amounts). If you are eligible but refuse to enroll in Payer Matrix, you will have to pay the full cost of the drug, unless you file an appeal.
Coverage Management Programs
Certain medications are not covered by your plan without a coverage review (prior authorization). If your review is approved, you will pay the normal coinsurance for that medication.
There may be situations where quantities of specific medications are limited to ensure safe and proper utilization. Also, for certain prescriptions, members may be required to utilize a generic or preferred brand drug before a non-preferred drug, unless special circumstances exist.
Women’s Preventive Health Services
Generic oral contraceptives and most other prescription contraceptives will be covered at no cost. Brand oral contraceptives are covered at the plan coinsurance amounts shown in the chart above.
Tools / Additional Information
If you need assistance locating a network pharmacy, determining if a medication is on the formulary, pricing a medication, seeing the preventive drug list, or finding out more about mail order, please use the following resources:
-
Before you are enrolled in the Plan: Go to the Genesis Central Intranet site > Benefits Page > Benefit Offerings and navigate to the Prescription Drug Coverage tile.
- Once you are a member:
- Go to www.empirxhealth.com (members must register after initial login)
- For Mobile Devices: Register at www.empirxhealth.com or download the EmpiRx Health mobile app
- Call Customer Care at 1-877-241-7123
Mail Order Pharmacy Information
Member Portal Flyer
Genesis HealthCare Member FAQ
Starter Dose Programs
Clinical Program
What is a Qualifying Life Event?
A qualifying life event (QLE) is an event deemed acceptable by the IRS that may allow participants in section 125 plans to change their benefit elections. You may change your benefit elections during the annual Open Enrollment period or during the year if you experience a Qualifying Life Event. A Life Event change permits employees to make certain mid-year benefit changes consistent with the qualifying event. You must consult your Benefits Administrator within 30 days from the date of the event to make changes.
Your Medical, Dental, Vision, FSA, or pre-tax voluntary Aflac coverage will remain in effect during the entire plan year, except if you have a Section 125 Qualifying Event.
Examples of a Section 125 Qualifying Event that could result in changes to your coverage include the following:
- Marriage, legal separation, divorce, or annulment
- Death of a spouse or child
- Birth, adoption of a child, or placement for adoption
- change in employment status of spouse or dependent
- A covered individual becomes eligible for COBRA or state-mandated continuation of health coverage benefit
- Dependents who are no longer eligible for coverage
- Change in your employment status from part-time/casual to full-time, or full-time to part-time/casual
- Change in your spouse/dependent's employment status from part-time/casual to full-time or full-time to part-time/casual
- Leave of absence
- Entitlement to Medicare for a covered individual
- Entitlement or loss of coverage eligibility for Medicaid for you, your spouse, or dependent
- A change due to a Qualified Medical Child Support Order (QMCSO)
- A significant change in cost or health coverage options (does not apply to medical flexible spending accounts)
- A change is made u under another employer plan or an open enrollment occurs for you, your spouse, or dependent (does not apply to medical flexible spending accounts)
- Loss of eligibility under a state Children's Health Insurance Program (CHIP); (does not apply to medical flexible spending accounts)
- A reduction in your hours of service that is expected to result in your working less than 30 hours per week and you enroll in another qualified health plan (applies to medical coverage only)
- A life event that results in you being eligible for a special enrollment period (SEP) to obtain coverage under a qualified health plan offered by a state health insurance exchange plan (applies to medical coverage only)
NOTE: A Section 125 Qualifying Event for an employee or dependent must affect the individual's eligibility for the Plan's benefits. Any requested change in the affected benefit must be consistent with the occurrence of the underlying status or qualifying event.
Adding or Dropping Benefits
adding benefits:
To add benefits due to a Section 125 Qualifying Event/Change in Status, you must submit a paper Benefit Election Form (BEF) and appropriate documentation to the Benefits Department within 30 days of the event. CLICK HERE to download the Benefit Election Form.
- Provided that you satisfied your benefits waiting period, the effective date to add benefits will be the first of the month following notification of the Section 125 Qualifying Event/Change in Status and receipt of the applicable documentation, except for birth, adoption, or return from FMLA leave of absence, which is the date of the event.
dropping benefits:
To drop benefits due to a Section 125 Qualifying Event/Change in Status, you must submit documentation to the Benefits Department within 30 days of the event. (including a Rescission Form if required). CLICK HERE to download the Rescission Form.
The effective date to drop benefits will be the later of the date of the event or the date the notice is provided*, except for death or divorce which is the date of the event.
*Notice is defined as (1) The fully completed GenSERV transaction and receipt of the Benefit Election Form by the Benefits Department for employment status changes, OR (2) Date the Benefits Department receives applicable documentation related to all other benefits.
IMPORTANT CONSIDERATIONS:
- Not all events below allow a benefits change. The event must cause a change in eligibility and be consistent with the underlying event.
- Benefit elections must be prospective, which means that elections must be made prior to the benefits effective date.
- Unless otherwise noted, a Benefit Election Form (and all applicable supporting documentation) must be received by the Benefits Department within 30 days of the even
Marriage
Required Documentation- Select one
- Marriage license
- Marriage certificate
- Common-law affidavit
and- Front page of the most recent 1040 Federal Tax return showing your spouse and filing status of either married filing jointly or married filing separately. Please block out income verification and social security numbers.
Note: If married mid-year, no tax return is required.
HIPAA Special Enrollment Rights: If an employee acquires a new dependent through marriage, birth, adoption/placement of adoption, the employee may elect to enroll self/spouse/new dependent. Employee may also change plan elected.
Divorce & Annulment
Required Documentation- Select one
- Divorce papers
- Annulment papers
* Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for Short Term Disability,Whole Life and Term Life which is post-tax.
** HSA:
- Coverage Start Date
- As soon as administratively practical following account opening
Birth, Adoption, Placement of Adoption, Legal Guardianship
Required Documentation- Select one
- Birth certificate or application for a birth certificate or letter from medical center showing proof of birth (with parents' names)
- Adoption degree or placement for adoption by the court
- Legal guardianship document
- Divorce decree granting full or joint custody
- Qualified Medical Child Support Order (QMCSO) or other court order showing that the employee is required to provide health care coverage (child support order)
HIPAA Special Enrollment Rights: If an employee acquires a new dependent through marriage, birth, adoption/placement of adoption, the employee may elect to enroll self/spouse/new dependent. Employee may also change plan elected.
Dependent Reaches 26
Required Documentation- N/A
Judicial Order (QMCSO)
Required Documentation- Select one
- Qualified Medical Support Order (QMCSO)
- Other court order showing that the employee is required to provide health care coverage (child support order)
* Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for STD which is post-tax.
Employment Status/Work Schedule Change to FT for Employee or Spouse
HIPAA Special Enrollment Rights: If an employee acquires a new dependent through marriage, birth, adoption/placement of adoption, the employee may elect to enroll self/spouse/new dependent. Employee may also change the plan elected.
Employee Status Change from FT to PT or Casual (Medical/Rx eligibility is not lost)
Required Documentation:
- Recission Form must be completed by the employee (within 30 days of the effective date of change)
Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for STD which is post-tax.
Change of Coverage under another Employers' Plan
(i.e. spouse plan)
Required Documentation- Select One
- Letter or document from employer stating the employer changed, dropped, or will drop coverage or benefits for the employee, spouse or dependent(s), including the date coverage ended or will end I.e. Termination letter from employer
- Termination letter of previous health insurance with end date and who was covered
- COBRA documentation showing length of coverage with beginning and end dates along with who was covered
Continuing Coverage for Handicapped Dependent Childen
Required Documentation- Select One
- Birth certificate (with parent's names)
- Adoption decree or placement for adoption by the court
- Legal guardianship document
- Divorce decree granting full or joint custody
- Qualified Medical Child Support Order (QMCSO) or other court order showing that the employee is required to provide health care coverage (child support order)
Need confirmation
If over the age of 26:
- Tax return showing the child is a dependent
- Documentation from medical professional
Death of a Spouse or Dependent
Required Documentation
- Death certificate or public notice (does not have to be the original copy)
* Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for STD which is post-tax.
Medicare or Medicaid Entitlement Changes
Required Documentation
- Letter or notice from a government program showing new or discontinued eligibility with coverage start and/or end date with who is or had coverage
Marketplace/ State Exchange Enrollment
Required Documentation
- Letter or notice from a government program showing new eligibility with coverage start and/or will end with who is covered
* Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for STD which is post-tax.
Leave of Absence (FMLA) / Return from Leave of Absence
Leave of Absence (personal non-medical) / Return from Leave of Absence (personal non-medical)
(Applies only to unpaid leave)
Employee on Military Leave/ Employee Returns from Military Leave
Required Documentation- Select One
- Dated copy of military discharge papers or certificate of release including the date coverage ended or will end due to no longer having active military service status
- Letter from a government program like Tricare, Peace Corps, Americorps with the end date
* Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for STD which is post-tax.
Disability of Employee/ Return from Disability of Employee
(applies to unpaid leave only)
Required Documents
- Documentation from the state showing disability eligibility start or end date
and
- HR changes employee status in the system with the date of leave and/or return
Death of Employee
Required Documents
- Death certificate or public notice (does not need to be the original copy)
* Aflac Benefits:
- Coverage Start Date
-
For coverage applied from the 1st through the 14th of the month: 1st of the month following date of application
-
For coverage applied from the 15th through the end of the month: 1st of the month following two months from date of application
- Coverage End Date
- Date coverage is paid through. All Aflac benefits are Section 125 except for STD which is post-tax.
Change in Residence or-
Workplace Impacting Network Access
Rehired Employees
(rehired within 13 weeks of termination)
Termination of Employment with Genesis
Severance
Significant Curtailment of Coverage Option
Addition or Improvement of Coverage Option
Significant Increase in Cost
Significant Decrease in Cost
What is a Flexible Spending Account?
Flexible Spending Accounts allow you to set aside money each calendar year to pay for qualified non-reimbursable health care expenses on a pre-tax basis- before the money in your paycheck is taxed.
When you have an eligible expense,* simply submit a claim form or use your CYC Debit Card (for Health Care FSA only) and you'll be reimbursed with tax-free dollars from your account. It's the easiest way to cut your taxes. When you pay fewer taxes, you have more money in your pocket to save or spend. It's so easy that "flexible" is part of the name.
For more information, CLICK HERE to review the IRS Publication 502.
Helpful Information Regarding FSA Accounts
Keep These Important FSA Rules in Mind
The government imposes a "use it or lose it" rule on Flexible Spending Accounts to give you pre-tax advantages. Because of this "use it or lose it" rule, it is important for you to carefully estimate the money you set aside.
- For Health Care and Dependent Care FSA: If you reach the end of the plan year (December 31) and are still enrolled in the FSA but have not used all of the funds that you have set aside, you will be given a special two-month and 15-day extension/grace period. During that period (January 1- March 15), you may incur eligible expenses to offset monies set aside for the previous plan year. As an example, receipts dates 1/1/24 through 3/15/24 may be used to offset monies set aside for the 1/1/23- 12/31/23 plan year.
- Please Note: You must be a plan participant as of December 31 to receive this special extension/grace period, and you must submit the receipts by April 15th. If you terminate employment during the plan year, you have 90 days after your termination date to submit expenses, unless you elect COBRA. This grace period is not available if you are planning to enroll in the Basic Savings Plus Plan for 2023.
- Balances cannot be transferred between the health care and dependent care flexible spending accounts.
- Mid-Year Enrollments: The Flexible Spending Accounts run on a calendar year basis; therefore, if you are enrolling in benefits mid-year and elect this plan, your deductions will begin on the first pay in which your Benefits Effective Date falls and run through the end of the calendar year. Please see the GHC the GHC Pre-Tax Spending Account Program Enrollment Instructions located on the Genesis Central Intranet site > Benefit Offerings > select the Benefit Resources button > choose the applicable State Tile > then scroll to the Flexible Spending Account (FSA) section.
Health Care FSA
You can use your Health Care FSA to pay for qualified expenses* not covered by your medical, dental, and vision plans, such as deductibles, copays, coinsurance, non-covered vision and hearing expenses, non-covered prescriptions, and over-the-counter medications. In general, anything considered a health care expense for income tax purposes is eligible.
Examples of expenses not eligible for your Health Care FSA include teeth whitening, non-prescription vitamin supplements, cosmetic surgery, marriage counseling, and insurance premiums.
*All eligible expenses must be incurred on or after your Benefits Effective Date.
How Much Can You Contribute?
Annual Maximum: $3,050
How Your Money is Reimbursed
- Health Care FSA- When you have an eligible expense, simply submit a claim form or use your Optum Financial Debit Card (for Health Care FSA only), and you'll be reimbursed with tax-free dollars from your account. It's the easiest way to cut your taxes. When you pay fewer taxes, you have more money in your pocket to save or spend. It's so easy that "flexible" is part of the name.
You can track claims, check account balances and download forms at www.optumfinancial.com.
Helpful Resources:
Dependent Care FSA
Through the Dependent Care FSA, you can use tax-free dollars to pay for the cost of daycare for your children (under the age of 13) or other eligible dependents, such as an elderly parent or disabled spouse. You must supply the Social Security Number or Tax ID number of your provider to use this benefit.
Expenses that may qualify for reimbursement include:
- Care at licensed nursery schools, day camps, and child daycare centers
- Care at licensed adult/elder care centers
- Care provided inside or outside of your home by a person other than your tax dependent or your children age 18 or younger
Dependent Care FSA Tax Facts:
Depending on your personal tax situation, you should determine which is more beneficial to you- the Dependent Care FSA or the Dependent Care Tax Credit on your federal income tax form. It's always a good idea to check with your tax advisor to see which program is best for you.
How Much Can You Contribute?
Annual Maximum: $5,000 (or $2,500 if you are married and file separately)
***Please Note: The Dependent Care FSA annual maximum for highly compensated employees may be limited to a lower amount.
How Your Money is Reimbursed
- Dependent Care FSA- to obtain reimbursement for eligible expenses, you are required to submit a receipt with each claim form. Dependent Care contracts will not be accepted.
Helpful Resources:
- DCFSA Quick Guide
- Dependent Care FSA Eligible Expenses
- Optum Financial Portal Overview
- To track claims, check account balances, request reimbursement, set up direct deposit, and upload documentation:
- Download the Optum Financial mobile app on the App Store or on Google Play
- Optum online portal: www.optumfinancial.com
- How to submit a claim for Dependent Care FSA
- For more information: call Optum Financial at 1-877-292-4040.
Our 2023 Genesis Employee Benefit Packages
Genesis is one of the nation's largest post-acute care and rehabilitation therapy providers. We employ approximately 34,104 people as of 10/19 (FT,PT, Casual (includes PowerBack), CSU , and GRS employees); each one dedicated to the delivery of high-quality, personalized health care to all patients and residents in our Centers.
Our more than 250 Skilled Nursing Centers and Assisted/Senior Living Communities are located in 22 states nationwide, while our PowerBack Division provides rehabilitation therapy to approximately 1,100 locations in 43 states and the District of Columbia.
In order to hire and retain highly qualified employees, we continually update our program of comprehensive, affordable benefits to ensure that it remains competitive and is compliant with the Affordable Care Act (ACA).
Full-Time Employee Benefits
- Medical and Prescription Drug
- Medical Plans & Carriers
- Medical & Prescription Cards
- Health Advocacy
- Telemedicine Program*
- Dental
- Vision Care
- Flexible Spending Accounts
- Health Savings Account
- Company-Paid Group Life Insurance
- Voluntary Term & Whole Life Insurance
- Voluntary Short-Term Disability
- Voluntary Products through Aflac
- Group Auto and Homeowners Insurance
- Pet Insurance
- 401(k) Savings Plan
- Employee Assistance Program (EAP)
- Planned Time-Off
- Commuter Benefits
- Modified Compensation- (Mod Comp) is a Pay in lieu of Benefits program offered to full-time, non-management, non-exempt employees in Grades 19 and below.
* If enrolled in a Genesis medical plan.
IMPORTANT: Benefits available are based on work status, grade level, line of business, or CBA.
Part-Time Employee Benefits
- Aflac Term & Whole Life Insurance
- Aflac Accident
- Aflac Hospital Indemnity
- Aflac Cancer
- Aflac Critical Illness
- Commuter Benefits
- Group Auto and Homeowners Insurance
- Pet Insurance
- 401 (k) Savings Plan
- Planned Time-Off
Benefits Eligibility
To be eligible to receive the full-time or part-time Genesis benefits listed in the Employee Benefits Guide, you must be a non-bargaining unit employee.
If you are in a bargaining unit position, please refer to your Collective Bargaining Agreement to determine your benefits eligibility.
You are considered a full-time employee if you are regularly scheduled to work at least 30 or more hours per week.
You are considered a part-time employee if you are regularly scheduled to work at least 15 hours per week, but less than 30 hours per week.
For medical benefits ONLY, you are also considered a full-time employee if you are a part-time or casual employee who works a weekly average of at least 30 hours during the following periods:
- New Employees:
- The 12-month period beginning on the first day of the month following your date of hire and ends on the last day of the 12th-month following (Initial Look-Back Measurement Period)
- If you are determined to have worked full-time hours, you will retain eligibility to the end of the plan year after 12 months have passed
- Ongoing Employees:
- The 12-month period from October 3rd through October 2nd, or the appropriate payroll period, ensuring a maximum administrative period of 90 days until the end of the year (Standard Look-Back Measurement Period)
- If you are determined to be full-time during this measurement period, you will retain eligibility for 12 months beginning January 1st of the following year
Dependent Eligibility
Eligible dependents include:
- Legally married spouse
- Children* to the end of the month of their 26th birthday; including biological, adopted, and step-children
- Children for whom the employee must provide health insurance by a Qualified Medical Child Support Order (QMCSO)
*Child(ren) will include your biological children, legally adopted children, children for whom you have legal custody, and step-children
***IMPORTANT***
Covering Dependents on Health Insurance
Please note that covering ineligible dependents, spouses, or children on your health plan constitutes fraud and may result in loss of benefits and disciplinary action up to and including termination of employment.
Benefits Effective Date
New Hires and Rehires after 13 weeks: For most employees, benefits begin on the first of the month following 60 days of employment.
The following exceptions apply to New Hires from a Joint Venture (JV) Center:
- Flexible spending accounts, voluntary life insurance, Aflac benefits, and group auto and homeowners insurance begin on the date of employment.
- Basic Life coverage begins on the first of the month following the date of transfer
Rehires after 30 days but within 13 weeks: Provided you completed your benefit waiting period, employees rehired within 13 weeks of their termination date will be permitted to re-enroll in benefits effective the first of the month following the date of rehire.
Rehires within 30 days: Provided you completed your benefit waiting period, employees rehired within 30 days of their termination will automatically be enrolled in the same coverages and tiers unless there is another qualifying life event.
Section 125 Qualifying Event (Change in Status): When adding benefits (provided that you satisfied your benefits waiting period and provide timely notification), benefits begin on the first of the month following notification of the change and receipt of the applicable documentation,k except for birth, adoption or return from FMLA leave of absence, which is the date of the event. (Refer to the Making Mid-Year Changes to Your Benefits tab below for more information)
Open Enrollment: Effective date for Open Enrollment changes is January 1.
Benefits Termination Dates
Termination dates for Medical, Dental, and Vision insurance are the following: *
- Last day of employment
- December 31 if "waiving" coverage during Open Enrollment
- The first of the month following 60 days from termination for employees who are hired by a Joint Venture (JV) Center
- For Section 125 Qualifying Events that result in termination of benefits- refer to the Making Mid-Year Changes to Your Benefits tab
- 12 weeks* if on approved Leave of Absence (unless a longer period is required by law)
*Provided you pay your portion of premiums.
Documentation Requirements for Enrolling a Spouse or Child(ren)
ENROLLNG A SPOUSE
If you elect to enroll an eligible spouse into a Genesis -sponsored health plan, you will be required to provide the following documentation:
- Marriage License, marriage certificate, or common-law affidavit
- The front page of the most recent 1040 federal tax return showing your spouse and filing status of either married filing jointly or married filing separately. Please block out income verification and social security numbers
ENROLLING DEPENDENT CHILDREN
If you are enrolling dependent children for the first time, please provide copies of one of the following to the Benefits Department:
- Birth certificate (must be the long form with parents' names)
- Appropriate court order or adoption decree
- Divorce decree granting full or joint custody
- Qualified Medical Child Support Order (QMCSO) or other court order showing that the employee is required to provide health care coverage
Enrolling, Timeframe, and Submission of Required Documentation
ENROLLING:
- New Hires or Rehires: online, call the Genesis Benefit Enrollment Helpline at 1-800-513-9925 or CLICK HERE to schedule an appointment with a Benefit Coach.
- Section 125 Qualifying Event/Change in Status: Paper Benefit Election Form
TIMEFRAME TO ENROLL:
- New Hires or Rehires: before your Benefits Effective Date
- Open Enrollment: by the close of Open Enrollment period
- Section 125 Qualifying Event/Change in Status: within 30 days (or 60 days for CHIP/Medicaid) of the event
SUBMISSION:
If all appropriate documentation is not received by the Benefits Department within the stated timeframe above, you will have to wait until the next Open Enrollment period to make changes for a January 1 effective date.
In an effort to make the submission of benefits forms more efficient, and to enhance the customer service provided to all lines of business, effective immediately, the Benefits Department will require all benefit forms (e.g., Benefit Election Form and Rescission of Benefits Attestation Form) and supporting documentation (e.g., birth certificate, marriage certificate, loss of coverage, and proof of coverage elsewhere) are submitted through Employee Self Service (ESS) in GenSERV.
All forms and supporting documentation must be submitted by attaching the document(s) to the employee record by uploading the documentation through Employee Self-Service or via fax.
Please note, a fax cover sheet with an Esker ID must be included as page one of the faxed submission.
The following job aids are available on Central to assist employees and managers in the process of submitting forms through Employee Self- Service.
Online Document Mgmt – Fax, Email, and Upload Documents – Demonstrates how an employee can submit the appropriate forms and documentation through fax within Employee Self- Service and demonstrate how the employee’s manager can submit the appropriate forms and documentation for the employee. CLICK HERE for document management instructions.
GenSERV Remote Access – Employees can also submit requests by remote access through GenSERV using this process. CLICK HERE for remote access instructions.
*Remote Access Information: https://remoteaccessinfo.genesishcc.com/
All forms and documents submitted through this process will receive approval or denial, and an email notification will be sent to the originator (person who submitted the request). Denials will include a reason and/or comment and will terminate the transaction. The originator will need to submit a new transaction with the form(s) and/or documentation, including the requested changes/additional information.
CLICK HERE to download instructions for changing a Genesis HealthCare LAN password.
Making Mid-Year Changes to Your Benefits
(Section 125 Qualifying Event/Change in Status)
Your Medical, Dental, Vision, FSA, or pre-tax voluntary Aflac coverage will remain in effect during the entire plan year, except if you have a Section 125 Qualifying Event.
Examples of a Section 125 Qualifying Event that could result in changes to your coverage include, but are not limited to the following:
- marriage
- birth of a child
- leave of absence
- change in status
*For detailed information regarding Qualified Life Events, refer to the Qualified Life Events tab.
Payroll Deductions
Your Initial premium deductions for insurance benefits are taken in the first full pay period after your Benefit Effective Date (and not pro-rated in the first partial paycheck).
If benefit elections are not made prior to your effective date, retroactive deductions may be taken. When leaving Genesis, full deductions will be taken from your last partial pay.
All insurance benefit payroll deductions will be made on a pre-tax basis (except for Voluntary Life Insurance, Voluntary Aflac Short-Term Disability Insurance, Group Auto and Homeowners Insurance, and Pet Insurance); unless it is time to elect benefits, you choose to contribute with after-tax money. Pre-tax payroll contributions, however, will lower your income tax withholding since deductions are made prior to taxing wages.
Even though most payroll deductions reduce your salary for income and Social Security tax purposes, this reduction will not impact the amount of any pay-related benefits you are eligible to receive. Your 401(k) contributions will be based on your gross pay each pay period.
Genesis Employee Benefit Helpline
We are excited to continue to make the Genesis Employee Benefit Helpline for our employees through our partnership with BPA.
Employees have access to a BPA Benefit Coach to answer your questions, educate and assist with the enrollment process.
CLICK HERE to schedule an appointment.
or call the Genesis Employee Benefit Helpline:
1-800-513-9925
How to Enroll
OPTION 1 - Genesis Employee Benefit Helpline: To speak with a BPA Benefit Coach call 1-800-513-9925 or CLICK HERE to schedule an appointment.
OPTION 2- GenSERV: Go to the Central Intranet Site, and click on 2023 Benefits > Getting Started > Click to Enroll.
You will need your username and password to access the site.
OPTION 3- Remote Access: From outside of Genesis, you can enroll by logging onto access.genesishcc.com. You will be required to enter your username and password to access the site. Select GenSERV and re-enter your username and password. Select Benefits Home to enroll. CLICK HERE for detailed instructions.
* Remote Access Information: https://remoteaccessinfo.genesishcc.com/
Password Reset Instructions: If you do not remember your password or you are having trouble logging in, you should reset your password. Go to the Benefits page on Central and click on Eligibility, Status Changes and Enrollment Assistance > Enrollment Assistance > Password Reset Instructions, or call 1-800-580-3655. CLICK HERE for detailed instructions.
Employee Benefits & HR Assistance
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Benefits Designee/HR Generalist: Your first resource to assist you with questions about your plan options and to help with the benefit tools.
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Genesis Employee Benefit Helpline: For assistance with enrolling in your benefits for Open Enrollment, your New Hire Enrollment, or if you have a Qualified Life Event and need to make a change, call 1-800-513-9925 or CLICK HERE to schedule an appointment.
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Health Advocate: Available to answer your questions on your medical, balanced bills received, claims, eligibility, and any other benefit questions. Call 1-866-681-8686
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HR Service Center: The HR Service Center is a toll-free number for Genesis employees that connects you to a variety of employee-related topics. Available to answer your questions from 8:00 a.m. to 9:00 p.m. EST, Monday through Friday, by calling 1-888-HR-AT-GHC (1-888-472-8442). Select Option 2.
* Please Note: When calling the HR Service Center, please have a pen and paper ready to write down important information and listen carefully to all options before making your selection.
Benefits Guidebook/Central Intranet: To find your Benefits Guidebook, with additional details on all your benefits, go to the Benefits page on Central at: https://sites.google.com/genesishcc.com/ghchr/hr-home
Health Advocate is available to you and your whole family, including your spouse, dependents, parents, parents-in-law, to help with health care and insurance-related issues.
Here are a few examples:
- Find the right doctors and hospitals in your network
- Resolve claims and billing issues
- Arrange second opinions
- Transfer medical records
- Explain medical conditions and treatments
- Receive help shopping around for health care (Blue Cross members only)
- Compare the cost of medical care and services in your area
- Get estimated out of pocket costs
- View hospital safety scores and consumer ratings
Contact Health Advocate at 866-681-8686 or visit the website at www.healthadvocate.com/genesis.
For easy access to all your Health Advocate programs, download the Health Advocate app either through the App Store or get it on Google Play.
Roadmap to Medicare
Genesis employees are offered a complementary Medicare Consultation Service through HTA Financial.
This is at NO COST to YOU, your family, or your friends.
Click the link below to view the full presentation regarding this service.
Roadmap to Medicare Presentation
To view the presentation via video, CLICK HERE.
How to get started
Call 1-610-430-6650, press Option 1
or
Send an email to medicare@htafinancial.com