Page 3 - 2018 Carlstar Benefit Guide
P. 3
BENEFITS ENROLLMENT • 20183
WELCOME
The Carlstar Group, LLC As Carlstar is doing its part in providing
Providing comprehensive beneit plans is a strategic comprehensive beneits, we also ask you do your part
business objective for our company and an important as well—inding the best medical service for your
part of our philosophy. The ever-changing healthcare money by utilizing the tools provided to you from the
industry brings many challenges as we strive to carriers—in turn, saving you and the company money.
provide high-quality beneit programs and remain This beneits guide provides an extensive overview
competitive in our markets as the cost of healthcare of all The Carlstar Group’s programs. These plans
rises. The Carlstar Group is committed to providing are provided with your wellness in mind. A strong
you and your eligible family members a comprehensive company cannot exist without healthy employees.
beneits package to support your wellness needs. This Employee health is critical to the performance and
includes beneits such as healthcare, life insurance, and success of our organization. The everyday choices
retirement planning options. we make can help us live healthier, happier, and more
As costs continue to rise and our government continues fulilling lives—both at work and home. Only you can
to legislate healthcare, it is even more important for make good choices concerning your physicians, your
employees to utilize our wellness and preventive care care, and your lifestyle.
programs to the fullest. Only through consumer You are encouraged to share this guide with your
consciousness and healthy lifestyles can we continue to family, decide on the best types of beneit elections
maintain and improve employee beneits. The health which will it your needs, and take advantage of the full
plans at The Carlstar Group are self-insured. This opportunities it offers you.
means The Carlstar Group pays Cigna and Express
Scripts a fee for processing medical, pharmacy, and
dental claims. However, The Carlstar Group—not an
insurance company—pays all beneit claims for covered
services received by you and your covered family
members and assumes all inancial risk for these plans.
The Company does this to achieve the following.
X Eliminate many of the additional fees the Company
would need to pay an insurance company
X Have greater lexibility and control over the design
and implementation of the plan options
X Keep costs lower for The Carlstar Group and for you
Beneits are an important part
of your overall compensation package.
Please take time to read this guide thoroughly.
WELCOME
The Carlstar Group, LLC As Carlstar is doing its part in providing
Providing comprehensive beneit plans is a strategic comprehensive beneits, we also ask you do your part
business objective for our company and an important as well—inding the best medical service for your
part of our philosophy. The ever-changing healthcare money by utilizing the tools provided to you from the
industry brings many challenges as we strive to carriers—in turn, saving you and the company money.
provide high-quality beneit programs and remain This beneits guide provides an extensive overview
competitive in our markets as the cost of healthcare of all The Carlstar Group’s programs. These plans
rises. The Carlstar Group is committed to providing are provided with your wellness in mind. A strong
you and your eligible family members a comprehensive company cannot exist without healthy employees.
beneits package to support your wellness needs. This Employee health is critical to the performance and
includes beneits such as healthcare, life insurance, and success of our organization. The everyday choices
retirement planning options. we make can help us live healthier, happier, and more
As costs continue to rise and our government continues fulilling lives—both at work and home. Only you can
to legislate healthcare, it is even more important for make good choices concerning your physicians, your
employees to utilize our wellness and preventive care care, and your lifestyle.
programs to the fullest. Only through consumer You are encouraged to share this guide with your
consciousness and healthy lifestyles can we continue to family, decide on the best types of beneit elections
maintain and improve employee beneits. The health which will it your needs, and take advantage of the full
plans at The Carlstar Group are self-insured. This opportunities it offers you.
means The Carlstar Group pays Cigna and Express
Scripts a fee for processing medical, pharmacy, and
dental claims. However, The Carlstar Group—not an
insurance company—pays all beneit claims for covered
services received by you and your covered family
members and assumes all inancial risk for these plans.
The Company does this to achieve the following.
X Eliminate many of the additional fees the Company
would need to pay an insurance company
X Have greater lexibility and control over the design
and implementation of the plan options
X Keep costs lower for The Carlstar Group and for you
Beneits are an important part
of your overall compensation package.
Please take time to read this guide thoroughly.
