Page 3 - Benefit Guide_SIPS_2020_Revised 2-12-21

Important Information

The intent of our benefit guide is to briefly highlight your benefits and NOT to replace your insurance contracts
or booklets. The information has been compiled into summary form to outline the benefits offered. If this benefit
guide does not address your specific benefit questions, please refer to the Contact Information page of this
booklet. The contact page will provide you with the information you need to contact the specific insurance
carriers and/or Human Resources Department for additional assistance. The information provided in this
summary is for comparative purposes only. Actual claims paid are subject to the specific terms and conditions
of each policy contract. This benefit guide does not constitute SBC’s, policy or contract. Your Employee
Benefit Portal through Gen4 includes plan information, summaries, costs, carriers contact information and
more.

Who is Eligible?

If you are a full-time employee working a minimum of 30 hours per week, you are eligible to
enroll in the benefits described in this guide. Eligibility starts the first of the month 60 days
after date of hire. Family members are eligible for all lines of coverage (see benefit page
for dependent children age requirements).

When to Enroll?

All employees are required to complete the New Hire online Enrollment

at new hire and once a year during the Annual Open Enrollment.
Open enrollment is in May for a June 1st effective date. New hire

enrollment login and password will be provided by your designated
HR Manager, Carlaina Bell or use instructions on page 26.

Can I make changes during the plan year?

Yes, you have HIPAA Special Enrollment Rights. To review these rights,

please refer to page 35 or the Library section of your Benefit Website.

LAW TO HAVE HEALTH INSURANCE

Individuals are still required to have medical unless you
have qualified waivers as mandated by current law. The
penalty fine for not having coverage ends January 1,
2019.

Please note that all medical plans offered by SIPS Consults, Corp. exceed the minimum

3 value standard for health coverage according to the Affordable Care Act.