Page 3 - OrangeTheory Benefits Guide 2018-2019 Final

Enrollment Information

Who May Enroll
If you are a regular full‐time employee working at least 30 hours per
week, you and your eligible dependents may participate in
Orangetheory’s benefits program. Your eligible dependents include:
 Legally married spouse
 Registered domestic partner
 Children under the age of 26, regardless of student or marital status

When You Can Enroll

As an eligible employee, you may enroll at the following times:
• As a new hire, you may participate in the company’s benefits
program on the first day of the month following the completion of
30 days of full‐time employment
• Each year, during open enrollment
• Within one month of a qualifying event as defined by the IRS (see
Changes To Enrollment below)

Paying For Your Coverage

The basic life and AD&D benefits are provided at no cost to you and are funded entirely by Orangetheory. You and the
company share in the cost of the medical, dental, and vision benefits you elect. Any voluntary life and AD&D benefits you
elect will be paid by you at discounted group rates. Your medical, dental, and vision contributions are deducted before taxes
are withheld, which saves you tax dollars. Paying for benefits before‐tax means that your share of the costs are deducted
before taxes are determined, resulting in more take‐home pay for you. As a result, the IRS requires that your elections
remain in effect for the entire year. You cannot drop or change coverage unless you experience a qualifying event.

Changes To Enrollment
Our benefit plans are effective December 1st, 2018 through November 30th, 2019. There is an annual open enrollment
period each year, during which you can make new benefit elections for the following December 1st effective date. Once you
make your benefit elections, you cannot change them during the year unless you experience a qualifying event as defined by
the IRS. Examples include, but are not limited to the following:
 Marriage, divorce, legal separation or annulment  Change in your residence or workplace (if your benefit
 Birth or adoption of a child options change)
 A qualified medical child support order  Loss of coverage through Medicaid or Children’s Health
 Death of a spouse or child Insurance Program (CHIP)
 A change in your dependent’s eligibility status  Becoming eligible for a state’s premium assistance
 Loss of coverage from another health plan program under Medicaid or CHIP

Coverage for a new dependent is not automatic. If you experience a qualifying event, you have one month to update your
coverage. Please contact the Human Resources Department immediately following a qualifying event to receive instructions
on how to make changes to your benefits. You may login to Paycom to update your dependent information as needed. If you
do not update your coverage within the one month period from the qualifying event, you must wait until the next annual
open enrollment period to update your coverage.

Video – Learn About Medical Plan Terms
Medical plan terms, such as deductibles, copays, coinsurance and out-of-pocket maximums, can sometimes
be confusing. For a quick video that shows how these work, visit http://video.burnhambenefits.com/terms

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