Health & Wellness Benefits

Employee Health Coverage

We are pleased to provide LLoyd Associates with a comprehensive action plan for healthcare and wellness.

MEDICAL    |    DENTAL    |    VISION    |    SUPPLEMENTAL

Medical

Choose the plan that best suits your needs:

  1. Oxford Health plans major medical/epo (5 choices)

  2. Marketplace (multiple choices)

  3. Medicare (age and/or disability based)

Each plan offers a co-payment for doctor visits and a prescription drug plan. Initial eligibility requirements are the acceptance of a LLoyd assignment. 

1. OXFORD MAJOR MEDICAL/EPO

LLoyd Staffing offers five major medical programs to all eligible Temporary Associates and Consultants through OXFORD Medical/EPO. Associates may choose the one best suited to their needs. Four of the five OXFORD programs offer a national network and all plans offer full prescription drug coverage. No referrals are required from your primary care physician to visit a specialist. You must visit a participating provider for qualified medical services to be covered. (Exception- True emergency room visits are covered regardless of participation.

  • Your Cost: LLoyd Staffing contributes toward the cost of your medical coverage monthly and will payroll deduct you weekly for your portion of the premium.
  • To Search for a Participating Provider (doctor, hospital, lab) go to:
    www.oxhp.com
    When prompted, select the appropriate network (Freedom, Liberty, or Metro). If you live outside the NY, NJ area, you will use the United Choice Plus network. To find this network, click on United Healthcare on the bottom left side of the homepage.

Eligibility:

You are eligible to enroll at different times of the year for the following reasons:

  • Once you have met your new hire waiting period
  • Open enrollment (January 1st) – provided you have met your waiting period
  • Mid-year if you experience a qualifying event like involuntary loss of other medical coverage.

A current participant can change/terminate their plan and enroll/terminate dependents at open enrollment as well.

These are the five options with Oxford; click on the pdf below to review additional information on each of these options.

Option 1: Freedom Platinum EPO 5/15  National Network
Option 2: Freedom Gold EPOc 15/35    National Network
Option 3: Metro Gold EPOc 25/40    New York/New Jersey Network
Option 4: Liberty Silver EPOc 40/70   National Network
Option 5: Liberty Bronze EPO H S A    National Network

COST:  

Varies by option – see the chart and/or review with the LLoyd Insurance contact noted below.

 

Click for PDF/chart of OXFORD options & costs

2. MARKETPLACE MAJOR MEDICAL PLANS

Major Medical Plans:

Each State offers several major medical options through their Marketplace. You will be directed to your state’s Marketplace by going to www.healthcare.gov. You may sign up for a plan during the open enrollment period from November 1st through January 31st. You may also qualify to enroll mid-year if you experience a qualifying event like involuntary loss of other major medical coverage.

  • Important Notice: LLoyd Staffing offers “affordable” medical insurance that meets all minimum benefits and values as defined by the Affordable Care Act, therefore; you may not qualify for a reduction in premium (subsidy/tax credit) through the Marketplace. In addition, LLoyd does not contribute toward the cost of these plans and you will not be payroll deducted. You will send premium direct to the carrier.

Cost:

Varies by option – visit the website/or review with the LLoyd Insurance contact.

Medicaid and Children’s State Medical Programs:

If you qualify, the Marketplace can enroll you at any time of the year into Medicaid and/or Children’s Health Plus (NY) or other state-run children’s’ plans offered by your state. Contact the Marketplace direct to confirm if you qualify.

3. MEDICARE

Medicare is for those that are either age 65+ or younger due to disability. Here is a link to the official government site for Medicare.
https://www.medicare.gov

CONTACT for OXFORD Major Medical, Marketplace or Medicare:

Carol Winwood, Broker
(Windwood Associates at Louis C. Ciliberti and Associates)
Phone:  631-293-2260, ext 204
Email:   Cwinwood@Winwoodinsurance.com

Fran Lynch, Assistant
Phone:  631-293-2260, ext 202
Email:   Flynch@Winwoodinsurance.com

Dental/Vision

DENTAL

LLoyd offers a wide range of dental programs to choose from. These are offered through Dental for Everyone and are nationwide.

These programs are not traditional “dental insurance” but rather reduced-fee-for-service plans where members pay a specified fee such as a co-pay, fee percentage or a flat dollar amount for comprehensive dental coverage. There are savings on virtually all dental procedures. Participants do not pay deductibles, fill out forms or have wait restrictions.

Savings Benefits include:

  • Routine dental care such as cleanings, exams, and xrays
  • More complex care such as extractions, root canals or braces
  • All pre-existing conditions are covered
  • No limits on treatments – no claim forms or referrals are required
  • No waiting periods, no age limits or exclusions
  • Immediate same day coverage

The cost to Participate and Enrollment options may vary by program.

Review programs and enroll at Dental for Everyone.
Simply find a Dental provider in your region by following the online prompts.

VISION

LLoyd’s Vision options include services for a wellness annual eye exam, frames and contacts allowance and more. Benefits are provided both in and out of network.

Review programs and enroll at GVS.
The flyer below explains the services and reimbursements.

CONTACT for GVS Vision:

Carol Winwood, Broker
(Windwood Associates at Louis C. Ciliberti and Associates)
Phone:  631-293-2260, ext 204
Email:   Cwinwood@Winwoodinsurance.com

Fran Lynch, Assistant
Phone:  631-293-2260, ext 202
Email:   Flynch@Winwoodinsurance.com

Vision plan overview:

Participant retailers:

Supplemental

Voluntary or supplemental insurance plans will help protect your financial well-being in the event of a serious accidental illness. It offers a way to stay ahead of the medical and out-of-pocket expenses that major medical insurance does not cover. LLoyd is pleased to offer four different products from AFLAC to our Associates.

  • Personal Accident Indemnity Plan
  • Personal Cancer Indemnity Plan
  • Hospital Protection Plan
  • Personal Lump Sum Critical Illness

Personal Accident Indemnity Plan:

AFLAC’s Personal Accident Indemnity Plan pays cash benefits to help offset the out-of- pocket expenses associated with any kind of Accident, which occurs on or off the job. Benefits include Emergency Room Treatment, Follow up Visits, Hospitalization, MRI, AD&D, Transportation, Lodging and much more.

Personal Cancer Indemnity Plan:

AFLAC’s Personal Cancer Indemnity Plan pays cash benefits directly to you regardless of any other insurance you may have. You can use these benefits to help pick up the expenses traditional major medical plans are not designed to cover like deductibles, cost-sharing, non-medical, out-of-pocket and out-of-network charges, not to mention the loss of earning power. Benefits include: First-Occurrence Benefit, Hospital Confinement, Radiation/Chemotherapy, Cancer Screening Wellness Benefit and more.

Hospital Protection Plan:

AFLAC’s Hospital Plan pays cash benefits directly to you regardless of any insurance you may have. You can use these benefits to help pick up the expenses traditional major medical plans are not designed to cover like deductibles, cost-sharing, non-medical, out-of-pocket and out-of-network charge. Benefits include: Hospital Confinement, Invasive Diagnostic Exam, Surgery and more.

Personal Lump Sum Critical Illness:

AFLAC‘s Personal Lump Sum Critical Illness Plan can help with the treatment costs of a Critical Illness and pays a lump sum benefit of $10,000 to $30,000 to either the policyholder of its beneficiary regardless of any insurance you may have. You can use this benefit to help pick up the expenses traditional major medical plans are not designed to cover like deductibles, cost-sharing, non-medical, out-of-pocket and out-of-network charges.

Enrollment and Cost:

An Associate may enroll at anytime during the year regardless of open enrollment or date of hire.

LLoyd recommends that you contact our AFLAC Representative to fully understand the scope and cost of the options you are offered.

CONTACT:

Enida Mici, AFLAC District Sales Coordinator
Phone:  718-423-6000 ext. 207
Email:    Enida.Mici@us.aflac.com
Web:      https://www.aflac.com

LLoyd Contact

If you would like to speak with someone at LLoyd regarding any of the above Health options (Medical, Dental, Vision or Supplemental), please direct your inquiries to:

LLOYD HR DEPARTMENT

Email:    HR@LLoydstaffing.com
Phone:   631-777-7600, ext. 7623