Benefits Information

Grace Schools is pleased to offer its employees a wide variety of valuable benefits that are outlined below. Grace pays for many of these benefits. Most of the benefits outlined below begin at the time of employment. During New Employee Orientation, each benefit will be reviewed and appropriate plan descriptions will be provided to each new employee.

Benefit programs are reassessed periodically in light of individual and organizational needs. As a result, benefits may change from time to time. The Human Resources Department will issue announcements if and when changes occur.

MEDICAL INSURANCE

Grace College provides medical coverage through SIHO (Southeastern Indiana Health Organization). For a quick overview of this benefit or to access the plan document, simply click FORMS.

Employee pre-tax premiums are currently:

Single coverage—1.75% of gross wages per pay
Family coverage—add $70 per month (for one or more family members)

Prescriptions: Although Grace Schools provides to employees on the medical plan prescription medications at affordable co-pays, click here to find a list of $4.00 medications at any Wal-mart Pharmacy.

Preferred Provider Organization (PPO): What is a Preferred Provider Organization (PPO)? A PPO is a network of Health Service Providers who have joined together and agreed to a central "fee for service" structure in exchange for service area promotion. Grace offers the use of three PPO's:

Three Rivers Preferred Network (TRP): TRP covers Kosciusko County, northern Indiana and the Clarion Hospitals. There are two ways that you can see if your healthcare provider is in the Three Rivers Preferred network:

       Call 1–800–258–0974 and mention our plan and the providers name.

       Or, click on the following link-> http://www.threeriversmd.com/search.php

Community Health Association (CHA) Network: CHA covers covers Health Service Providers in the Mishawaka, South Bend regions. You can see if your health care provider is in the CHA network by clicking on the following

link --> CHA On Line: www.chanetork.com/dirwectory.asp

Private HealthCare Systems (PHCS): PHCS covers Health Service Providers nationwide. You can see if your healthcare provider is in the PHSC network by clicking on the following link --> http://www.geoaccess.com/phcs/po/

For answers to personal medical questions or concerns, you may contact our SIHO Case Manager, Kim Underwood, R. N.,at 812–245–5308 or kim.underwood@siho.org. She displays excellent customer service and care for our employees. Kim will occasionally be on campus for Ask-A-Nurse Days so please be sure to utilitze this unique service that SIHO provides.

Needing Claims Assistance? For answers to questions regarding a claim,  please call the claims department at SIHO at 1–800–443–2980.

For general SIHO Customer Service questions, please call 1–800–777–1023 or e-mail Member Services at memberservices@siho.org.

Special Claims Problems? If you need further assistance in working through a difficult claims process, please contact:

Melinda Lemler
Gibson Insurance Group (South Bend, IN)
Phone: (800) 814-2122, ext. 3586
MLemler@gibsonins.com
Fax:574–236–6399

Find online access to your SIHO Medical Account by visiting www.siho.org site you will be able to:

• Check the status of your processed claims for you and your family members for the past 12 months
• Request new ID cards
• Learn how to read your explanation of benefits (EOB)
• Review insurance related terms and definitions
• Research health related issues
• Change your password
• And many other areas of interest

Using Claim Forms: Claim forms are necessary only when an employee uses an out-of-network Health Service Provider or when receiving dental service. If you use a Health Service Provider that is in your network, the use of a claims form will not be necessary. In network providers will automatically follow the necessary billing process. Claim forms may be picked up in the Business Office.

Adding or dropping a dependent? If during new employee orientation, you chose not to add your family to our medical plan, you will have the opportunity to add a family member in the case of a qualifying event. Contact the Human Resources Department for details at ext. 6080.

Adding a new spouse, adopted child or newborn? Within 30 days of the new family addition, contact the the Human Resources Generalist to complete an add/change form.

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DENTAL INSURANCE

Benefit Overview: Grace College provides dental coverage through Principal Financial. For a current overview of this benefit or to view the plan certificate, contact the Human Resources Generalist at 574-372-5100, ext. 6080.

Employee Premiums: No additional cost to eligible employees. This is included in the 1.75% for the medical plan coverage.

Who to Contact: For answers to questions regarding a current claim, please call 1–800–247–4695. If you need further assistance in the claims process, please contact:

Melinda Lemler

Gibson Insurance Group (South Bend, IN)
Phone: (800) 814-2122, ext. 3586
Fax:574–236–6399

Forms: The dental claim form is on the web site or claim forms may be picked up in the Business Office.

Eligibility: Eligibility to enroll in the dental plan requires enrollment in the Grace medical plan. Enrollment occurs at the time of employment.

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VISION PLUS PROGRAM

The Vision Plus Program through Vision Partners Group offers a reduced rate on eye health examinations, frames, lenses, contact lenses and most other optional items available through a participating network of doctors of optometry. This is offered to all current employees regardless of enrollment in the medical plan.

What vison care discounts are offered to Grace employees?

Where can I find a VPG provider?

Our local provider is:

Warsaw Eye Care Associates

3157 East Center Street (by Bob Evans in The Center Center)

Warsaw, IN  46580

574-269-1331

For a copy of the plan brochure and ID card, see the Human Resources Generalist in the Business Office.

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HEARING CARE PROGRAM

Grace College and Theological Seminary has contracted with both the HEARUSA Network and the Hearing Center of Warsaw to bring employees discounted hearing care services. 

The HEARUSA Hearing Care Network will provide the following services to Grace Employees:

• Free hearing screening exam to identify the presence of hearing loss.
• 15% discount on audio logical testing not covered by a health insurance plan.
• 15% discount on hearing aid purchases (or promotional pricing, whichever is greater).
• Statewide access to network providers: Members call 1–800–333–3389 to locate a provider in your area.

The Hearing Center, 3161 E. Center Street, Warsaw, IN, 574–267–8182, along with its statewide offices offers a 15% discount on hearing aid services to include the purchase of hearing aids and ear molds. (Hearing evaluations or physician examinations are not included in this discount program). Call 800–555–5402 to locate offices outside of Warsaw.

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FLEXIBLE BENEFITS/CAFETERIA PLAN

The Flexible Benefits or Cafeteria Plan is a program that allows employees to receive a tax break on medical premiums, out-of-pocket medical, dental, vision care, and dependent care expenses. Employees interested in this plan must sign up within the first thirty days of employment. All interested employees also must re-enroll in this plan annually or sign a waiver of participation. SIHO (Southeastern Indiana Health Organization) is the plan administrator for Grace.

Plan Components: There are three independent components of this plan in which employees may participate. For a detailed summary of this benefit, simply click here for HR Forms/Booklets and then click on the document next to "Flexible Benefits Summary Plan Description Booklet."

1.) Tax-deferred Medical Premiums:

Employee medical premiums may be taken out of your pay before taxes thus reducing your taxable income.

2.) Medical Savings Account (MSA) (www.ezflexplan.com/siho/):

There are two benefits to setting up a Medical Savings Account. First, employees may estimate their annual out-of-pocket medical, dental, vision care expenses (expenses not covered by any our benefit plans) and begin setting this money aside into a Medical Savings Account through payroll deduction before taxes. Secondly, once this savings account is in place, claims for paid, out-of-pocket expenses can by turned in for up to the annual election.

Two important notes:  First, be careful not to overestimate the amount you believe you will spend in any given year. Any money left in your account as unclaimed cannot by law be returned to you. Remaining contributions will need to be filtered into the plan to help cover plan costs. Second, once you select an annual amount to be set aside into this account, you will not be allowed to change this amount unless there is a qualifying event (see the Human Resources Generalist for details).

Click here for the list of expenses that qualify for reimbursement.

3.) Dependent Care Savings Account:  This account works exactly like the Medical Savings Account above, except this account allows employees to set aside tax deferred money to cover Dependant Care expenses. For a listing of expenses that qualify for reimbursement for this account, see the Human Resources Generalist in the Business Office.

Claims Deadline: Claims may be submitted anytime directly to SIHO by the employee via fax, mail or email (flex.info@siho.org). Reimbursements (via direct deposit/check--employee designates which one) are processed weekly on Thursdays with direct deposits made on Friday and checks sent on Friday to those not on direct deposit.

Need a Reimbursement Form? Go to Flexible Benefits Reimbursement Form. Save it to your desktop for quick access each month. Copies are also available in the Business Office.

Year-end Claims:  Are you scrambling in December to turn in your Medical and Dependent Care claims? Relax . . . claims may be submitted until April 30 of each year for claims incurred in the previous calendar year. If you had a balance available at the end of a plan year, you have until March 15 of the following year to spend your prior year's account balance (14 1/2 months total). This provision has been made in light of the occasional lag in claims processing by Health Service Providers.

Contact Collette Olson, Human Resources Generalist, at ext. 6080, or olsoncj@grace.edu with any questions.

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