• What is your PTO Service Date? 
• How do you find your PTO Balance? 
• Are you eligible for PTO payout upon departure? 

• New Years Day
• Memorial Day
• Independence Day
• Labor Day
• Thanksgiving Day
• Christmas Day

The St. Bernards Counseling Center EAP was designed to help everyone, not just the 15% of those with substance or alcohol abuse problems. These services include:

• Anxiety Disorders
• Depression
• Problems with children/teens
• Drug and alcohol abuse
• Gambling Addictions
• Attention Deficit Disorder
• Marriage Counseling
• Social Service Referrals
• Stress

• Grief Counseling
• Spousal Abuse
• Family Therapy
• Sexual Abuse
• Child Abuse
• Nicotine Addiction
• Eating Disorders
• Children of divorce

• If new members need more than two Air Evac automobile stickers, please indicate the total number needed on the membership enrollment form. Stickers can also be placed on ATVs, boats, tractors, etc.
• Air Evac suggests listing any second home address on the membership application, such as a lake home, where members might have a potential pick-up; please include a note to the membership application for address number two.
• Student dependents living out of the home are still covered by the primary household membership.
• In order to receive the special contracted pricing listed above: 1) the application form used has to be the SHARP Air Evac membership application form, 2) the check has to be made out to SHARP, Inc.

With SmartDollar, it's completely confidential and you'll get access to these tools:

• Go to the enrollment portal from the My Benefits link on the Home page of the BenefitHUB. 
• By going through the enrollment portal, you will receive a cheaper rate than purchasing directly from the website.
• The cost is split over 2 payrolls through payroll deduction.
  • For a Single Will the deduction is $99
  • For a Will for you and a spouse the deduction is $168
  • Once the benefit is paid for, the deduction will stop and you will receive an email from MamaBear on how to start the Will process. 

Sign & Make It Legal

Sign your documents in front of witnesses and a notary. You can have the document notarized at St. Bernards Human Resources or by a bank. Then file them in a safe place.

Regular expenses, big and small, can add up. Think about your ability to pay for those expenses if you or your family member experience a covered accident, illness, or hospitalization. While your medical insurance will provide some coverage, St Bernards Critical Care Elite, Accident Elite, and Hospital Care plans pay benefits directly to you in the event of a covered accident, illness, or hospitalization, and you decide how to use the benefit. You could even use the benefit to pay for something totally unrelated such as childcare, travel expenses, groceries, everyday bills, or any other expenses you need help covering.

Why do employees request voluntary/worksite benefits?

• low-cost coverage
• pre-taxed premiums
• payroll deducted
• quick claims turnaround
• portable

Voluntary/worksite benefits options  

• accident
• cancer/critical illness
• hospital indemnity

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

Email: claims@usablelife.com 

Living an active life is everyone’s expectation. But an accident can change everything in the blink of an eye. The costs of dealing with a life-altering accident can be overwhelming for those who are unprepared. After an accident, bills can mount quickly and linger for years, leaving a lasting effect on everyone in the household.        

Because Accidents Happen! Accident Recovery offers an additional layer of financial protection for you and your family. This plan pays YOU directly in the event of a covered accident.

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

Email: claims@usablelife.com 

You have the option to purchase Hospital Care coverage through USAble. You have two plan options to choose from and you can elect coverage for yourself, your spouse, and your children. This coverage pays a benefit directly to you when you are admitted to the hospital for a covered stay.

While we have great medical benefits under the health plan, this coverage complements your health insurance to help you pay for the costs associated with a hospital stay. It can also provide funds which can be used to help pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays, and deductibles. Evidence of Insurability (EOI) is never required when enrolling in the Hospital Care plan.

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

Email: claims@usablelife.com 

Every few seconds, an American suffers a heart attack or learns that he or she has cancer. The impact on their family’s finances can be devastating. The copays and the expenses that aren’t covered by major medical insurance eat away at savings as well as the belief that things can get better.

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

Email: claims@usablelife.com 

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

• Contributions are based on the benefit selected amount
• Your PTO is concurrent with the STD benefit
• Disability must be approved by USAble Life
• Pre-existing conditions are waived if enrolling during your initial eligibility period
• Benefit reduction and termination:
  • At age 65, the original benefit is reduced to 66⅔%
  • Terminates at age 70 

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

Email: claims@usablelife.com 

• You have the option to choose up to 40%, 50% or 60% of your base pay
• 180-day elimination period
• $8,000 maximum per month benefit
• Two years for your own occupation; after that, any occupation
• Benefits continue to age 65 or later depending upon your age at the date of disability
• Pre-existing conditions apply

USAble Customer Service

Toll free: (800) 370-5856

Monday - Friday 8 a.m. - 5 p.m. (CST)

https://www.usablelife.com/

Receipt Rules

The below list shows transactions that do not require you to submit an itemized receipt:

• St. Bernard’s Affiliated pharmacies & clinic’s.
  • Jonesboro Plastic Surgery & McClurkan Clinic are excluded & require receipts.
• Amounts that match the co-pays attached to your health or dental benefits.
• Pharmacies with the IIAS certification. This is an inventory system that approves or denies items at the point of sale. Typically larger locations such as Kroger or Wal-Mart have this in place at their pharmacy counters.

ALL OTHER LOCATIONS OR OUTSIDE THE COPAYS WILL REQUIRE A RECEIPT.  This is NOT a debit card receipt.

Per IRS guidelines, if you use your card outside of the set paramaters you are required to submit an itemized receipt to substanitate the transaction. All transactions are subject to review. Failure to do so will result in the funds being owed back to the plan.

• Itemized Recipts must contain:

  • Date of Service
  • Service Performed
  • Patient Name
  • Amount

If you are uncertain if an item is covered you can contact customer service for further asssitance at 1-877-685-0655.

FSA Funds Notice

FSA is a use it or lose it program.  

• All transactions must be for the dates of the service year from 1/1 to 12/31. 
  • This is not when you receive a bill but when the service date was compelted. 
• All 2020 FSA claims must be submitted to DataPath on or before 3/31/2021 for dates of service 1/1/20-12/31/20.
• Any funds left after your run out period will be forfeited.

Account Setup

You will receive in the mail a series of plan white envelops with your FSA account setup. These are sent separately for your protection. 

To activate your card by phone, use the TPA number 10.

To register online, use the Employer ID 10306 and the Participant ID that came in the mail with your card. If you do not know your Participant ID contact Human Resources or call DataPath Customer Service. 

Eligible dependent care expenses include:

• Before- and after-school care
• Extended day programs
• Daycare, preschool, or nursery school
• Summer day camp
• Elder day care

An eligible dependent is:

• A child under age 13, who is claimed as a dependent on your income tax
• A child age 13 and older, who depends on you for at least half of his/her support;
• Regularly spends at least eight hours a day in your household; and
• Is physically or mentally unable to care for himself/herself
• A disabled spouse
• An elderly parent

Note: Dependent Care requires a request reimbursement from you on your Dependent Care Account. Contributions will be reimbursed to you on a per pay period basis. By completing the Recurring Expense Form you will not need to provide continuing documentation.

Finding In-Network Providers
Remember to visit in-network dentists to receive the deepest level of discount on your services. 

Register with My Blue Print
Register to order replacement cards, check claims status, review EOB’s, check deductibles, and review your personal health record. 

There may be coverage for out-of-network services in the event of an emergency or when cases are managed by SHARP. See plan documents for specifics.

• Some services may require precertification. Contact SHARP at 870.972.0032 to precertify.
• There is a $500 penalty for failure to follow precertification guidelines. The penalty is in addition to any other deductible.
• No coverage for non-emergency services.
• Care and treatment of pregnancy and complications of pregnancy for a dependent daughter is not covered.Medical or Prescription Questions?

USAble is our third party plan adminstrator who provides you with all information as it relates to what your health plan will cover.

• Benefit Limits
• Claims Processing
• Explanation of Benefits (EOBs)

Get access to your individual health plan information through the USAble My Tracker link. If you do not have an account, simply create a new account. You also have access to search covered policies and other useful links related to your medical plan at Arkansas BlueCross. For medical claims call 888.898.8145

• Prior Authorization—required from the provider for Insulin Pumps prior to purchase
• Identifies In Network Providers—contact SHARP for local and surrounding areas in-network providers and facilities
• Referrals outside SHARP Network—required from referring physician to SHARP prior to services provided

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 31 days from the date of the event to make changes.

Qualifying Life Events

1.  Special Enrollment Rights: An event described in the Special Enrollment provisions as shown in the group policy/plan;

2.  Entitlement to or loss of eligibility for Medicare or Medicaid: The employee or the employee's dependent becomes entitled to or loses eligibility for Medicare (Part A or Part B) or Medicaid.

3.  Special Requirements relating to the Family and Medical Leave Act (FMLA): An employee takes leave under FMLA, in which case the employee may revoke an existing election of health plan coverage and make such other election for the remaining portion of the period of coverage as may be provided for under FMLA.

4. Significant cost or coverage changes: Cost of coverage changes significantly.

5. A judgment, decree or order: Resulting from a divorce, legal separation, annulment, or change in legal custody (including a qualified child support order) that requires health coverage for an employee's dependent child or for a foster child who is a dependent of the employee.

Changes in status events, which include the following:

•  Legal marital status: Change in the employee's legal marital status, including marriage, death of spouse, divorce, legal separation and annulment;

•  Number of dependents: Change in the employee's number of dependents, including birth, death, adoption and placement for adoption.

•  Employment status: Change in the employment status of the employee or the employee's dependent, including termination or commencement of employment, a strike or lockout, a commencement of or return from an unpaid leave of absence or a change in worksite. This also includes a change in the employee's or the employee's dependent's employment status resulting in the individual becoming or ceasing to be eligible under the group policy/plan;

•  Eligible dependent status: Change in the eligibility of a dependent due to reaching a limiting age, change in student status or any similar circumstance; and

•  Residence: Change in the place of residence of the employee or the employee's dependent provided that the change in place of residence affects the eligibility for the employee or the employee's dependent's coverage under the group policy/plan.

Consistency Rule: In all cases, any election change as a result of any change in status must be on account of and correspond with a change in status that affects eligibility for coverage under the plan. For example, if the change in status is the employee's divorce, the death of a spouse, an employee's election to cancel health coverage will apply only to the spouse involved.