Page 3 - 2017 Benefits Enrollment
P. 3
Welcome Benefits are an
important part of your
The Carlstar Group, LLC overall compensation
package. Please take
Providing comprehensive beneit plans is a strategic business objective for time to read this guide
our company and an important part of our philosophy. The ever-changing thoroughly.
healthcare industry brings many challenges as we strive to provide high-
quality beneit programs and remain competitive in our markets as the
cost of healthcare rises. The Carlstar Group is committed to providing
you and your eligible family members a comprehensive beneits package This beneits guide provides an
to support your wellness needs. This includes beneits such as healthcare, extensive overview of all The
life insurance, and retirement planning options. Carlstar Group’s programs.
These plans are provided
As costs continue to rise and our government continues to legislate with your wellness in mind. A
healthcare, it is even more important for employees to utilize our wellness strong company cannot exist
and preventive care programs to the fullest. Only through consumer without healthy employees.
consciousness and healthy lifestyles can we continue to maintain and Employee health is critical to the
improve employee beneits. The health plans at The Carlstar Group are performance and success of our
self-insured. This means The Carlstar Group pays Cigna and Express organization. The everyday choices
Scripts a fee for processing medical, pharmacy, and dental claims. we make can help us live healthier,
However, The Carlstar Group—not an insurance company—pays all happier, and more fulilling lives—
beneit claims for covered services received by you and your covered both at work and home. Only you
family members and assumes all inancial risk for these plans. The can make good choices concerning
Company does this to achieve the following. your physicians, your care, and
your lifestyle.
Eliminate many of the additional fees the Company would need to
pay an insurance company You are encouraged to share this
Have greater lexibility and control over the design and guide with your family, decide on
implementation of the plan options the best types of beneit elections
Keep costs lower for The Carlstar Group and for you which will it your needs, and take
the full opportunities it offers you.
As Carlstar is doing its part in providing comprehensive beneits, we also
ask you do your part as well—inding the best medical service for your
money by utilizing the tools provided to you from the carriers—in turn,
saving you money and the company.
3
important part of your
The Carlstar Group, LLC overall compensation
package. Please take
Providing comprehensive beneit plans is a strategic business objective for time to read this guide
our company and an important part of our philosophy. The ever-changing thoroughly.
healthcare industry brings many challenges as we strive to provide high-
quality beneit programs and remain competitive in our markets as the
cost of healthcare rises. The Carlstar Group is committed to providing
you and your eligible family members a comprehensive beneits package This beneits guide provides an
to support your wellness needs. This includes beneits such as healthcare, extensive overview of all The
life insurance, and retirement planning options. Carlstar Group’s programs.
These plans are provided
As costs continue to rise and our government continues to legislate with your wellness in mind. A
healthcare, it is even more important for employees to utilize our wellness strong company cannot exist
and preventive care programs to the fullest. Only through consumer without healthy employees.
consciousness and healthy lifestyles can we continue to maintain and Employee health is critical to the
improve employee beneits. The health plans at The Carlstar Group are performance and success of our
self-insured. This means The Carlstar Group pays Cigna and Express organization. The everyday choices
Scripts a fee for processing medical, pharmacy, and dental claims. we make can help us live healthier,
However, The Carlstar Group—not an insurance company—pays all happier, and more fulilling lives—
beneit claims for covered services received by you and your covered both at work and home. Only you
family members and assumes all inancial risk for these plans. The can make good choices concerning
Company does this to achieve the following. your physicians, your care, and
your lifestyle.
Eliminate many of the additional fees the Company would need to
pay an insurance company You are encouraged to share this
Have greater lexibility and control over the design and guide with your family, decide on
implementation of the plan options the best types of beneit elections
Keep costs lower for The Carlstar Group and for you which will it your needs, and take
the full opportunities it offers you.
As Carlstar is doing its part in providing comprehensive beneits, we also
ask you do your part as well—inding the best medical service for your
money by utilizing the tools provided to you from the carriers—in turn,
saving you money and the company.
3
