The Benefits Hub is a one-stop shop for all of your year-round benefits needs. Get access to everything you need – plan documents, contact information, plan information, in-network provider search, and more – at the click of a button!
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Our medical plans are through Blue Cross Blue Shield (BCBS). Below you'll find some highlights of each plan. If you're looking for even more detail, click the "View Plan Details" button.
Preventive Care:
$0
Primary Care Office Visit:
Val. Choice: $0 Copay / $25 Copay / Virtual: $0 Copay
Deductible:
$1,000/$3,000 (Individual/Family)
Preventive Care:
$0
Primary Care Office Visit:
You pay 20% after deductible
Deductible:
$2,000/$4,000 (Individual/Family)
Preventive Care:
$0
Primary Care Office Visit:
You pay 20% after deductible
Deductible:
$3,200/$3,300/$6,400 (Individual/Individual in Family Plan/Family)
$1,000/$3,000 (Individual/Family)
$4,000/$8,000 (Individual/Family)
N/A
$0
Val. Choice: $0 Copay / $25 Copay / Virtual: $0 Copay
Val. Choice: $20 Copay / $45 Copay / Virtual: $45 Copay
Copy/Ind. Lab: $0, Deductible does not apply / Indep. Ctr.: $50 Copay
Val. Choice: First 2 visits free, then $50 copay / All other providers: $50 copay
Physician Services: No Charge after Deductible / Facility: $250 Copay per Visit
Employee-Only: $187.49
Employee + Spouse: $475.56
Employee + Ch: $453.34
Family: $680.01
$2,000/$4,000 (Individual/Family)
$5,000/$8,050* (Individual/Family)
Individual: $4,300 / Family: $8,550
$0
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
Employee-Only: $78.16
Employee + Spouse: $287.13
Employee + Ch: $256.61
Family: $410.57
$3,200/$3,300/$6,400 (Individual/Individual in Family Plan/Family)
$6,500/$13,000 (Individual/Family)
Individual: $4,300 / Family: $8,550
$0
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
Employee-Only: $47.05
Employee + Spouse: $233.54
Employee + Ch: $222.63
Family: $333.94
Prescription Drug benefits are covered through your medical plan.
A Piper Jordan Advocate is ready to help you with your benefits. Learn more about this free service below.
Help you, or members of your immediate family solve claim questions or resolve provider billing issues.
We can assist you in getting a new ID card.
An in-network provider can offer you lower out of pocket costs – we can locate a provider close to you.
Want to know what is covered? How does a deductible work? What’s your co-pay? We’re ready to assist.
You have three dental plans through Cigna to choose from. These plans are on the Total Cigna DPPO network.
Deductible:
None
Basic Services:
No charge
Major Services:
You pay 50%
Orthodontic Services:
You pay 50%
Deductible:
$50/$150 (Individual/Family)
Basic Services:
You pay 10% after deductible
Major Services:
You pay 40% after deductible
Orthodontic Services:
Not covered
Deductible:
$50/$150 (Individual/Family)
Basic Services:
You pay 10% after deductible
Major Services:
You pay 40% after deductible
Orthodontic Services:
You pay 50%
You’ll enjoy a free eye exam and receive two pairs of glasses at no cost, helping you stay on top of your vision health. Plus, share the savings with up to five friends or family members through an exclusive discount!
Eye Exam:
1 free per year
Glasses:
2 free pairs per year
Discounts:
Share with 5 people with the Friends & Family discount
✓ Company-provided Basic Life and AD&D
✓ Voluntary Term Life and AD&D
✓ Permanent Life
✓ Short-Term Disability
✓ Long-Term Disability
✓ Accident Insurance
✓ Critical Illness Insurance
✓ Hospital Indemnity Insurance
✓ Pet Insurance
✓ Legal Coverage
✓ Identity Theft Protection
✓ Employee Discount Marketplace
No cost to you!
This EAP is a voluntary and confidential service to help employees and their family
members who have concerns that affect their personal well-being and/or work
performance. Expert support is available for legal advice, financial guidance, mental
health issues, child and elder care, and more.
A health savings account (HSA) allows you to use pre-tax contributions from your paycheck to cover eligible health care expenses, tax-free.
Flexible spending accounts (FSAs) can be used to save money on many common expenses by paying for them with pre-tax dollars. Your eligibility for these accounts depends partly on your choice of medical plan, and different rules and limits apply to each type of account.
Your hub for compliance information, forms, and contacts you may not have found elsewhere.
A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available on www.nowopticsbenefits.com. A paper copy is also available, free of charge, by calling 877-958-7785.
Now Optics permits insurers to offer employees of Now Optics certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Now Optics does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. Now Optics does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Now Optics'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Now Optics may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Now Optics does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.
All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Now Optics reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.
© Piper Jordan. All Rights Reserved.
Covered at 100%
$10/$25 (Retail/Mail Order)
$50/$125 (Retail/Mail Order)
$80/$200 (Retail/Mail Order)
Covered at 100%
$10/$25 after deductible (Retail/Mail Order)
$35/$88 after deductible (Retail/Mail Order)
$70/$175 after deductible (Retail/Mail Order)
Covered at 100%
$10/$25 after deductible (Retail/Mail Order)
$35/$88 after deductible (Retail/Mail Order)
$70/$175 after deductible (Retail/Mail Order)
None
$0 per person
Employee-only: $9.62
Employee + Spouse: $18.11
Employee + Child(ren): $23.89
Family: $35.43
$50/$150 (Individual/Family)
$1,000/person
Employee-only: $13.26
Employee + Spouse: $26.54
Employee + Child(ren): $27.79
Family: $42.99
$50/$150 (Individual/Family)
$2,000/person
Employee-only: 18.05
Employee + Spouse: 36.11
Employee + Child(ren): 37.81
Family: 58.49
No charge
No charge
You pay 50%
You pay 50%
24-month treatment fee
You pay 0%
You pay 10% after deductible
You pay 40% after deductible
Not covered
Not covered
You pay 0%
You pay 10% after deductible
You pay 40% after deductible
You pay 50%
$1,500/person lifetime
$5 copay every 12 months
$0 copay; Up to $150 allowance then 15% discount off any balance
$25
$200 Allowance Eye Plus INN $150 Allowance OON up to $120
Employee-only: $2.88
Employee + Spouse: $5.46
Employee + Child(ren) $5.75
Family: $8.46
$0 copay every 12 months
$0 copay; Up to $200 allowance then 15% discount off any balance
$10
$300 Allowance Eye Plus INN $250 Allowance OON up to $200
Employee-only: $5.38
Employee + Spouse: $10.22
Employee + Child(ren) $10.75
Family: $15.81
Life/AD&D - The Hartford
Long-Term Disability - Unum
A health savings account (HSA) is a medical savings account that allows you to use pre-tax contributions from your paycheck to cover eligible health care expenses, tax-free.
Our Participant Services team is available 6 a.m. to 9 p.m.
Central time, Monday through Friday. Access all of our
participant service options at: wexinc.com/contact/health.
866.451.3399
Individual: $4,300 | Family: $8,550
$1,000
A flexible spending account (FSA) is a tax-free reimbursement account funded by
pre-tax contributions from your paycheck.
You can use FSA funds to pay for qualified
medical or dependent care expenses. Your eligibility for a healthcare FSA depends
upon which medical plan you elect.
$3,300
$3,300
$5,000
HSA - PayFlex
FSA - Discovery Benefits
Invest some of what you earn today for what you plan to accomplish tomorrow with help from
the Now Optics Medical Savings Plan through Empower. The plan offers a convenient,
tax-deferred way to save. Take a look at what a difference enrolling in the plan could make
in achieving your retirement goals.
Eligibility
✓ 21 years of age on the next plan entry date
✓ Completion of 12 months of service by the next plan entry date
✓ Completion of 1,000 hours in 12 months of service by the next plan entry date
✓ Part-Time Employees: Completion of 500+ hours in 36 months of service by the next plan entry date
Company Match
✓ 25% on the first 4%
Vesting
✓ An employee is vested at 20% once eligible for the plan, and is 100% vested after meeting the 1000-hour requirement each year for a total of five years.
Auto-Enrollment
The auto enrollment contribution rate is 1%. If no action is taken, the auto-enrollment contribution will increase an additional 1% to a maximum of 2%.
An FSA saves you money by reducing your income taxes. You must choose how much to contribute
each year, up to the stated limit. Your FSA contributions are automatically deducted from
your pay BEFORE any taxes are calculated, and are not reported as income to the IRS. The FSA
plan is effective January 1 to December 31 (calendar year).
Existing Employees may
enroll during Open Enrollment. New Hires must fulfill their eligibility requirements prior
to enrolling.
✓ Contributions are pre-tax and are automatically deducted
✓ Funds do not rollover from year-to-year
With this coverage, you can deliver peace of mind to your family in the event of your unexpected death.
✓ Receive up to 2x your annual salary up to a maximum of $250,000
✓ Living Benefit allows you to collect 80% of your policy while living in the event you are diagnosed with a terminal illness
✓ You may be able to keep coverage if you leave the company, retire or change the amount of hours you work
If you’re suddenly unable to earn a paycheck due to illness or an accident, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.
✓ Receive a portion of your salary for 25 weeks
✓ Off-the-job coverage
Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.
✓ Offers additional coverage beyond your initial Short-Term disability coverage
MetLife
Short-Term Disability (STD) is a salary continuance plan. If you become ill or injured and
are unable to work,
a portion of your income will be replaced through a combination of sick leave, State
Disability Insurance
(where available) and the Company’s Short-Term Disability benefit for up to 25 weeks.
Your
STD benefits
begin on your eighth day of disability and continue until you are able to return to work or
25 weeks,
whichever happens first. This benefit is provided at no cost to you.
If you exhaust your STD benefits and are still unable to work, you will be covered by LTD insurance at 60% of your salary, to a maximum of $13,000/month.
Progyny
Fidelity
Accident - The Hartford
Legal/Identity Theft - LegalShield
Pet Discount
Employee Discounts
Critical Illness - Chubb
Employees and participating Spouse/Domestic Partners covered by a Niagara
medical plan as of 1/1/2021 may voluntarily participate in the Hydrate Your
Health Program. For Employees, your participation helps you avoid paying the
Wellness Surcharge, an additional medical premium beginning in May 2021. The
surcharge is $40 per paycheck for Employees. There will not be a surcharge
for spouses in 2021, but spouses are encouraged to participate.
A wellness surcharge of $40/pay period will apply to Employees if the
following actions are not taken by the deadlines:
| Activity #1: PHQ | Activity #2: Biometric Screening OR Coaching | |||
|---|---|---|---|---|
| Activity | PHQ Online Questionnaire |
Option 1: Quest Patient Service Center Lab |
Option 2: At Home Self-Collection Test Kit |
Option 3: Complete 4 Wellness Coaching Sessions |
| Deadline |
Complete between 12/15/2020 - 2/28/2021 |
Complete between 12/15/20 - 2/28/2021 |
Complete between 12/15/2020 - 5/4/2021 to avoid surcharges; complete by 9/30 to earn a refund | |
Get immediate access to specialized professionals in counseling, social work, human services and psychology. You have access to the LifeWorks network of thousands of master’s level counselors and affiliates.
✓ Get support with financial and legal issues
✓ Receive 5 free appointments included in your Niagara benefits
✓ Enjoy hassle-free scheduling with LifeWork's easy-to-use app
The Hydrate Your Health Wellness Program is designed to maintain a high level of
well-being through nutrition, activity, stress management, and illness prevention &
management.
For your first year at Niagara, you may voluntarily choose to participate in our
wellness challenges and other wellness programs through Virgin Pulse, a global leader in
health and wellness. After your benefit effective date, you will have access to this web and
app-based program, where you can track your healthy habit development!
For Employees enrolled in a Niagara medical plan, your voluntary participation
can earn you Pulse Cash! You and your spouse can earn up to $100 each by completing various
activities, such as: Niagara sponsored wellness challenges, healthy habit trackers, goal
setting, daily wellbeing tips, sleep guide, nutrition guide, & digital coaching.
If you choose not to enroll in a Niagara medical plan, that’s okay. You can still
join your team and colleagues on our wellness adventures and take advantage of all of the
same tools and resources. But no Pulse Cash for you.
Do you ever wish you had accountability for fitness or healthy eating?
Partner with a FREE coach to work on areas you wish to improve. Topics include: Get Active,
Eat Healthy, Reduce Stress, Manage Weight, Navigate Health Situations, Tobacco Cessation,
and Sleep Well.
What about Biometric Screenings?
You may have heard that Niagara offers Biometric Screenings to Employees and covered
partners. That is true! The biometric screening program is offered to those covered team
members and partners enrolled as of January 1st.
If you continue to enroll in a Niagara medical plan next year, you will be included in our
2022 program. For this year, focus on improving or maintaining your good health and joining
your colleagues on some fun wellness adventures!
Select the plans you are interested in enrolling in to view your monthly or annual per-pay-period deductions.
By combining cutting-edge science and the largest custom network of fertility specialists in the nation, Progyny delivers superior clinical outcomes and shortens the path to pregnancy.
✓ Offered to Aetna and Capital BlueCross members; Kaiser members have their own benefit
✓ In vitro fertilization, egg freezing, surrogacy, and adoption education support
✓ Integrated pharmacy benefit through Progyny Rx
✓ Patient Care Advocates are available now to answer questions – call (833) 205-3998 from 9-5 ET.
Our FREE and confidential Employee Assistance Program (EAP) helps you find balance between work and home life. Your EAP benefits cover five counseling sessions per issue, at no cost to you.
Now Optics offers this program to you and your immediate family at no cost to you.
With appropriate Company approval, employees will be eligible for reimbursement up to $5,250 for classes
after the
completion of 180 days of employment. Eligible employees include all active regular,
full-time/part-time
(30+hours/week), exempt, non-exempt, and hourly employees.
Tuition reimbursement will be provided for
accredited courses or programs of study directly related to the employee’s present job or
those courses/
programs which will enhance their opportunity for advancement. Both degree and non-degree
courses are
eligible for reimbursement.
Workers’ Compensation is a federally mandated benefit and provides wage replacement and medical benefits to employees who have sustained a work-related injury. If you are injured at work, you should immediately report the injury to your supervisor.
No cost to you!
Now Optics provides you with Basic Life and AD&D
insurance FREE. You are automatically enrolled in this coverage. See the enrollment platform for your coverage amount.
Voluntary Life and AD&D offers financial security to designated beneficiaries should something happen to you. Coverage levels and associated premiums vary. For first-time enrollments, evidence of insurability (EOI) is required.
In the event of an emergency or an unimaginable loss, Transamerica Universal Life Insurance can help families with financial support to better maintain their quality of life. A death benefit can help safeguard a family’s future after the insured is gone. Plus, the cash value can be borrowed against if there is an emergency in the insured’s lifetime.
No cost to you!
Available to full-time employees who have completed their waiting period (0-7 days). Short-Term disability offers partial pay for a short period of necessary medical leave for eligible employees.
Long-Term disability is an elected benefit that covers a portion of income should coverage be needed beyond short-term disability coverage. Coverage levels and associated premiums vary.
Accident Insurance offers fixed benefits payable to you if you experience an injury from an accident. Coverage levels and associated premiums vary.
The Critical Illness benefit will help you to cover expenses related to a serious illness, such as lost income, childcare, travel to treatments, high deductibles, and co-pays.
Hospital Indemnity coverage picks up where other insurance leaves off and provides cash to help cover hospital expenses.
UPC is different - offering a low flat rate and instant savings for all pets. Save 20-50% at an in-network primary care vet, get free 24/7 virtual care, and save up to 87% on pet prescriptions
Finding an affordable attorney can be a challenge. This plan helps you find legal representation for you and your family for legal matters including Wills and Estate Planning, Family Law, and more!
Identity theft protection insurance helps cover the costs of restoring your identity if it's stolen, including legal fees, lost wages, and expenses related to credit monitoring. This coverage provides peace of mind by helping individuals quickly recover from the financial impact and potential reputational damage of identity theft.
BenefitHub is your new employee discount
marketplace, offering exclusive discounts from top
brands.
All discounts are better than what is available to the
general public. You can browse deals, search by brand
or category, or discover curated and personalized
discounts relevant to your interests including auto,
food and dining, insurance, local deals, well-being,
travel, hospitality, tickets, and more!
Learn more →
Beacon Health
Part A (Hospital Insurance):
Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.
Part D (Drug coverage):
Helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to
Original Medicare, or you get it by joining a
Medicare Advantage Plan
with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.
Medicare Supplemental Insurance (Medigap): Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, no matter which insurance company sells it.
With TOC, you may be able to receive services for medical or behavioral health through providers who are not in UHC’s network. This care is for a defined period of time and typically applies to members actively in a course of treatment like acute conditions, severe chronic conditions, pregnancy, terminal illness, the care of a child ages 0-36 months, previously scheduled surgery or other procedures.
Call or text the Piper Jordan Claim Advocates at 833-561-1630 (8am - 5pm PST) or email tpssupport@piperjordan.com