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Washington

    Employers

    Group Medical Plans

    Understanding that small business clients’ needs are different from those of large companies, Total Benefits Solutions (TBS) offers a wide range of group medical plans. Your clients and their employees will appreciate the flexibility to balance premium costs by offering up to two medical plans.

    Plans
    Forms
    Overview
    Providers

    Summary of Benefits and Coverage (SBCs) 

    SBCs are group effective date specific and can be downloaded via the public Aetna website at: https://www.aetna.com/sbcsearch/home


    Benefit Grids

    2020

    2019


    Plan Summaries

    The following summaries are listed for your convenience. For the most up-to-date information please visit https://www.aetna.com/sbcsearch/home and click on the tab labeled "PDD Search."

    Small Group Plan Summaries Effective 1/1/20 and Later


    Small Group Plan Summaries Effective 1/1/19 and Later


    Small Group Plan Summaries Effective 1/1/18 and Later

    Middle Market (51-100) Plan Summaries

    Plan summaries for groups of 51+ are provided to the group at installation and/or upon renewal. 

     

    2018 Aetna Whole Health Plan Summaries for Middle Market

    2018 AWH Mid Market plan summaries are available upon request.

    New Business

    Renewal

    Aetna FSA, HRA, HSA, and POP

    COBRA Admin

    Small Group Wellness (1-50)


    Member Forms & Flyers

    Billing

    Middle Market Forms & Flyers (50+ employees)

     

    Aetna – Helping people achieve health and financial security

    Aetna is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna offers a broad range of insurance and employee benefits products plus vast resources for producers and employers to help them make the right choices.

    The Aetna health care network has:

    • More than 1 million  health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency.

    Aetna provides benefits through employers in the United States and internationally, with products and services targeted specifically to small, mid-sized and large multi-site national employers, as well as global health insurance for employees on temporary or permanent foreign assignments.

    Ask us about Aetna’s health insurance products including Medical, Dental, Life and Global insurance.

     

    Producer Appointment

    If you or your firm is not yet appointed with Aetna, please apply online:

    https://pangea.geninfo.com/Aetna/Apply

    Dental Plans

    We offer a wide range of dental insurance plans from leading carriers to help cover employees regular check-ups and dental procedures. Ask for a custom dental quote.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS
    Aetna – Helping people achieve health and financial security

    Aetna is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna offers a broad range of insurance and employee benefits products plus vast resources for producers and employers to help them make the right choices.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency.

    Aetna provides benefits through employers in the United States and internationally, with products and services targeted specifically to small, mid-sized and large multi-site national employers, as well as global health insurance for employees on temporary or permanent foreign assignments.

    Ask us about Aetna’s health insurance products including Medical, Dental, Life and Global insurance.

     

    Producer Appointment

    If you or your firm is not yet appointed with Aetna, please apply online:

    https://pangea.geninfo.com/Aetna/Apply

     

    Provider Network Information

    http://www.aetna.com/docfind/

     

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS
    LifeMap – Overview

    LifeMap is a life and disability insurance company, which offers additional benefits such as dental, life, STD, LTD Accident, and Critical Illness, to provide financial protection and access to care.
    People do business with LifeMap because of their high value products, easy-to-understand language and personalized service. LifeMap provides thoughtful guidance to help people choose the coverage they truly need through life’s transitions.

    LifeMap’s Mission

    LifeMap is dedicated to serving customers through all of life’s transitions. We deliver financial protection and peace of mind with simplicity, education and innovation. LifeMap gives people confidence to live life to its fullest.

    Financial Rating

    AM Best Rating: A- (Excellent)
    As of December 2013, LifeMap’s Risk Based Capital exceeds the NAIC’s acceptable levels by over three times, which aligns with industry averages for other ancillary carriers. LifeMap does not have investments in mortgage securities.

    Click the following link for help finding a network dental provider:

    Provider Network Information

    Life Insurance Plans

    Life insurance is a responsible part of financial planning. Your employees can provide their families with peace-of-mind with our Life and Accidental Death & Dismemberment (AD& D) plans from trusted carriers.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    **As of 4/1/18 Aetna Life plans are no longer available.**

    Aetna – Helping people achieve health and financial security

    Aetna is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna offers a broad range of insurance and employee benefits products plus vast resources for producers and employers to help them make the right choices.

    The Aetna health care network has:

    • More than 1 million health care professionals
    • More than 575,000 primary care doctors and specialists
    • More than 5,400 hospitals
    • A network of specialist physicians, recognized with Aexcel® designation, based on clinical performance and cost efficiency.

    Aetna provides benefits through employers in the United States and internationally, with products and services targeted specifically to small, mid-sized and large multi-site national employers, as well as global health insurance for employees on temporary or permanent foreign assignments.

    Ask us about Aetna’s health insurance products including Medical, Dental, Life and Global insurance.

     

    Producer Appointment

    If you or your firm is not yet appointed with Aetna, please apply online:

    https://pangea.geninfo.com/Aetna/Apply

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS
    LifeMap – Overview

    LifeMap is a life and disability insurance company, which offers additional benefits such as dental, life, STD, LTD Accident, and Critical Illness, to provide financial protection and access to care.
    People do business with LifeMap because of their high value products, easy-to-understand language and personalized service. LifeMap provides thoughtful guidance to help people choose the coverage they truly need through life’s transitions.

    LifeMap’s Mission

    LifeMap is dedicated to serving customers through all of life’s transitions. We deliver financial protection and peace of mind with simplicity, education and innovation. LifeMap gives people confidence to live life to its fullest.

    Financial Rating

    AM Best Rating: A- (Excellent)
    As of December 2013, LifeMap’s Risk Based Capital exceeds the NAIC’s acceptable levels by over three times, which aligns with industry averages for other ancillary carriers. LifeMap does not have investments in mortgage securities.

    The LifeMap Life product does not have a provider network.

     

     

    Vision Insurance Plans

    To help protect the vision of your employees our comprehensive eye care plans cover all or a portion of optometrist visits, eyeglasses, contact lenses and even laser surgery. We offer both employer-based and voluntary plans.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    2020 VSP WA Rate Sheet

    VSP Signature Plan Summary

    The difference in the following plans is the intervals when services are available, as shown below. The 12/12/12 option includes tinted or photochromic lenses at no extra cost.

    Signature Plan A  Eye Exam 12 months, Lenses 24 months, Frames 24 months, 11 options:

    • Signature Plan A – $0 copay
    • Signature Plan A – $5 copay
    • Signature Plan A – $10 copay
    • Signature Plan A – $20 copay
    • Signature Plan A – $25 copay
    • Signature Plan A – $0/$20 copay
    • Signature Plan A – $10/$10 copay
    • Signature Plan A – $10/$20 copay
    • Signature Plan A – $10/$25 copay
    • Signature Plan A – $10/$30 copay
    • Signature Plan A – $20/$20 copay

    Signature Plan B  Eye Exam 12 months, Lenses 12 months, Frames 24 months, 11 options:

    • Signature Plan B – $0 copay
    • Signature Plan B – $5 copay
    • Signature Plan B – $10 copay
    • Signature Plan B – $20 copay
    • Signature Plan B – $25 copay
    • Signature Plan B – $0/$20 copay
    • Signature Plan B – $10/$10 copay
    • Signature Plan B – $10/$20 copay
    • Signature Plan B – $10/$25 copay
    • Signature Plan B – $10/$30 copay
    • Signature Plan B – $20/$20 copay

    Signature Plan C  Eye Exam 12 months, Lenses 12 months, Frames 12 months, 11 options:

    • Signature Plan C – $0 copay
    • Signature Plan C – $5 copay
    • Signature Plan C – $10 copay
    • Signature Plan C – $20 copay
    • Signature Plan C – $25 copay
    • Signature Plan C – $0/$20 copay
    • Signature Plan C – $10/$10 copay
    • Signature Plan C – $10/$20 copay
    • Signature Plan C – $10/$25 copay
    • Signature Plan C – $10/$30 copay
    • Signature Plan C – $20/$20 copay

     

    How do I use my VSP benefit?

    Getting started with VSP is easy! After you enroll with your employer during your open enrollment period you can:

    1. Create an account on vsp.com, where you can review your personalized plan details and eligibility.
    2. Find a doctor who's in network and conveniently located near you.
    3. Schedule your appointment! There's no ID card required; however, if you'd like to download or print your Member Vision Card, simply log in to your account on vsp.com.
    Finding a doctor you love—or keeping your current doctor—is important!

    With VSP, most members have access to five VSP network doctors within five miles of where they live or work. When you see an in-network doctor, you’ll get more out of your vision coverage and can count on low out-of-pocket costs and take advantage of exclusive member-only offers on contacts, sunglasses, lens enhancements, and more! Maximize your benefits when you choose to visit a Premier Program location, including private practice doctors and Visionworks retail locations nationwide.

     

    Short-Term Disability, Accident and Critical Illness Plans

    Our competitive Short-Term (STD), and Accident Coverage plans help to shorten the down-time following an accident while assisting employees who are suddenly faced with a loss of income, and expenses associated with rehabilitation. Our Critical Illness plans alleviate the stress of difficult times with a cash infusion to help cover expenses.

    PLANS
    FORMS
    OVERVIEW
    PROVIDERS

    Short Term Disability (STD)- **As of 1/1/2020 Lifemap STD plans are no longer available.**

    Accident Coverage

    Critical Illness

    LifeMap – Overview

    LifeMap is a life and disability insurance company, which offers additional benefits such as dental, life, STD, Accident, and Critical Illness, to provide financial protection and access to care.

    People do business with LifeMap because of their high value products, easy-to-understand language and personalized service. LifeMap provides thoughtful guidance to help people choose the coverage they truly need through life’s transitions.

    LifeMap’s Mission

    LifeMap is dedicated to serving customers through all of life’s transitions. We deliver financial protection and peace of mind with simplicity, education and innovation. LifeMap gives people confidence to live life to its fullest.

    Financial Rating

    AM Best Rating: A- (Excellent)
    As of December 2013, LifeMap’s Risk Based Capital exceeds the NAIC’s acceptable levels by over three times, which aligns with industry averages for other ancillary carriers. LifeMap does not have investments in mortgage securities.

    The LifeMap Disability products do not have a provider network.
    Global Health Insurance Plans

    Our global insurance plans are flexible, portable and made to fit the unique needs of your valuable employees working in foreign countries.


    Healthy employees are good for business.

    Companies that offer comprehensive health insurance benefits have higher employee retention, better morale and enhanced productivity. In addition, good benefit plans attract qualified people.

    Total Benefit Solutions (TBS) provides Washington companies with high quality benefits through national carriers.

    Our product offering includes:

    • A wide range of medical plans
    • Dental options from several carriers in addition to custom dental quotes
    • Life and AD&D options from several carriers
    • Competitive Short-Term (STD) plans
    • Voluntary Dental, Vision, STD, Life/AD&D

     

    Why work with Total Benefit Solutions?

    • TBS has partnered with Aetna for group plans in Washington. A leader in healthcare, Aetna has a large, national provider network. You may choose any combination of two Aetna plans – no restrictions. In addition, Aetna provides numerous online services for members to access claims, coverage, and consumer health information.
    • We also offer insurance coverage through trusted national carrier Vision Service Plan.
    • Total Benefit Solutions will work with you and your broker on enrollment and renewals.  We also provide easy-to-read quotes so that together with your broker, you can compare our rates to other insurance carriers in the market and choose specific plan designs that fit your business and employee needs.

    We’ll work with your broker to build health insurance plan options that make the most of your benefit dollars while letting your employees know about plan features. Talk to your broker about quoting TBS for your group plan today.