• NEW EMPLOYEE BENEFIT PACKAGE

     

    Affiliation: Tradesmen

     

    EMPLOYEE CHECKLIST 

    HEALTH INSURANCE AND BENEFITS FOR TRADEMEN ARE OPTIONAL. 

     

    INSTRUCTIONS ON HOW TO COMPLETE AND SUBMIT ELECTRONIC FORMS HERE

     

    Health Insurance

    1. Health Insurance Enrollment Form
    2. Non-Payment Acknowledgement
    3. Employee Notification Acknowledgement
    4. Tradesmen Health Insurance Requirements and Guidelines

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    Benefits

     

    Failure to return all required forms, completed in their entirety, will result in a processing delay. 

     

    Health Insurance Enrollment Form

    There are 2 premium Blue Cross Blue Shield of WNY plans for you to choose from. You may choose to have single or family coverage. View the eligibility guidelines to determine who can be considered a dependent for family coverage.  

     

    The effective date of the insurance coincides with your hire date unless you submit your completed enrollment forms more than 30 days post your hire date.  Then, your effective date is the first of the following month.

     

    The Benefits Office is unable to advise on choosing a health insurance plan.  A summary is listed below and a health insurance comparison chart is available to assist you in your selection.

     

    Traditional Insurance - There is no network to choose from, so this plan provides the flexibility of going to any medical provider.  (It is imperative that I go to Doctor X, no matter what!)

    Plan A may work for an employee/dependent(s) who travels extensively, especially internationally, or for someone/dependent who has a unique medical situation for which they need specialized services and/or equipment.  This plan has a $150 single, $300 family deductible (in addition to a bi-weekly payroll contribution), which the employee must meet before insurance kicks in.  Please review the services on pages 3 & 4 of the detailed chart that follows, as those tend to require a 20% co-insurance of the cost of the service/procedure/equipment.  This means the District pays 80% of the bill, and the employee is responsible for 20% of the bill (out of pocket maximum is $500 single and $1000 family).

     

    Point of Service (POS) Insurance – Enrollees must choose from doctors enrolled in the network, or be required to pay co-insurance for the cost of their service.  (It is not imperative that I go to Doctor X, I can find another highly qualified doctor, in my area, that is enrolled in the BCBS network).

    Plan B may work for an employee/dependent(s) who generally remain in the Western New York region for the majority of their time, and are not experiencing unique medical situations that need specialized services and/or equipment.  This is a generic POS plan, and you have the ability to choose the co-pay amount that best fits your needs, and also helps an employee budget for medical costs for the year (x number of doctor’s visits/year x $15 = out of pocket expenses). 

     

     

    Plan A Medical Document and Plan A Prescription Document 

     

    Plan B Medical Document and Plan B Prescription Document

    To find out if a doctor is in the BCBS of WNY network, visit:

    https://www.bcbswny.com/content/wny/find-a-doctor.html.

     


     

    2021 - 2022 Health Contributions

    Employees shall contribute to health insurance at a rate of 100% of the cost of the premium.  You have two options for your contributions and must submit the Tradesmen Health Insurance Requirements and Guidelines form to select your option.

    • Bi-weekly, pre-tax from your paycheck, or
    • Submit payment post-tax  

     

    Should you select post-tax payments, you must also complete and submit the Non-Payment Acknowledgement form.

    Checks are to be mailed to:

    CITY OF BUFFALO/BPS

    PO BOX 10695

    ALBANY NY 12201-5695

     

    Plan A - Traditional 

    Coverage         Monthly Contribution         Bi-weekly Contribution
    Single              $  812.76                            $406.38
    Family             $1,790.99                           $895.50
     

    Plan B - POS 204

    Coverage          Monthly Contribution         Bi-weekly Contribution
    Single              $  605.91                            $302.96
    Family             $1,670.00                           $835.00


    Your application will be processed when your appointment is approved by the Board and all completed paperwork and required documentation is received in the Benefits Office.
     

    Employee Notifications

    Learn more about your rights to health insurance and benefits, including detailed information on Employee's Responsibility for Health Insurance, Open Enrollment, Summary of Benefits and Coverage, COBRA, HIPAA, the District's Grandfathered Status of the ACA, the Women's Health and Cancer Rights Act, Newborns' and Mothers' Health Protection Act, and Exchange Notice.  Retain this Employee Notification for your records.

     

     

    OPTIONAL BENEFITS

    403(b) Tax Shelter Annuity or 457 NYS Deferred Compensation Account - All employees are eligible to contribute pre-tax dollars to one or both plans. Contact the company of your choice from the attached list of participating providers.
     
    Employee Assistance Program - a free and confidential service provided to employees and their families that provides support in resolving personal and professional issues.