Sonic Health Insurance Plan
Summer 2010
Dear Sonic Franchisee:
We are excited to provide Sonic Franchise Association members expanded benefits. The Sonic Association Benefit Plans bring value to the membership through competitive pricing and expanded benefit offerings.
The following are some of the exciting features of the benefit program.
- Benefit choices include a variety of medical plan options with a national network of providers.
- The choice of $500 and/or $1,000 deductible plans is available, as well as other deductible options, depending on the state. Pharmacy benefits are included in all plan options.
- Optional benefits are also available and include: dental, vision, life/AD&D, short-term disability and long-term disability (disability available for groups with 10+ eligible employees). Services such as Will Planning Services and Emergency Travel Assistance are also included.
- Wellness programs are included in all plans and are available to help members take charge of their health and well-being. Online Health Assessments are available to pinpoint health status and recommended areas of improvement. Members can select programs for weight loss, better nutrition, smoking cessation and improved fitness. Based on clinical lifestyle modification research, the wellness programs help members understand and educate themselves, then support and reward positive change.
- A Personal Health Record available online helps members organize their medical history, health conditions and medications. Members can also research health information, check claims status, find network physicians and more.
- The Association has a dedicated toll-free Benefit Plan service phone line. These representatives are able to answer questions, view billing records, assist with claims issues and be the customer advocate for Franchise members.
Services and resources we provide to the franchisees include:
- Dedicated benefits line and staff to assist each employee with any questions
- Advocate for billing, claim and administrative issues, including adding and terminating employees and/or dependents, establishing and training each group representative regarding on-line capabilities and dealing directly with employees on claims or other issues.
- Ongoing communication to the franchisees to keep you informed about changes in the industry, the regulations and carrier/coverage options
- Consulting on healthcare reform and its impact to each franchise group, including webinars on the latest regulations.
Please call the Sonic Health Team, toll-free, at 866-456-1421 to inquire about enrollment and access resources regarding your state and plans.
The below frequently asked questions includes additional information on the enrollment process. For up to date news and alerts on health care reform, please visit our website at Aon Consulting - Health Care Reform.
Sincerely,
Beth Polsinelli
Benefit Consultant
Sonic Franchise Association Health Plan
4801 Main Street, Suite 350
Kansas City, MO 64112
816.698.4657 direct
866.456.1421 toll-free ยท 816.698.4629 fax
FREQUENTLY ASKED QUESTIONS
Q. Who is eligible for the plan?
A. Owners and full-time managers.
Q. How much will the employer pay of the premium?
A. The employer must pay 50% of the medical premium for owners and full-time managers who participate in the plan.
Q. What other benefits are available in addition to the medical plan?
A. Optional benefits include dental, vision, life/AD&D, short-term disability and long-term
disability (disability for groups with 10+ eligible employees).
Q. What if members are in multiple states?
A. If you have members in multiple states, you will choose plans from the state offerings where you have the most members.
Q. Do members have the option of choosing from more than one plan?
A. Groups with less than 5 eligible members may choose one plan option for the group; groups with more than 5 eligible members may choose up to two plan options for the group.
Q. Do all members of a group have to choose the optional benefits?
A. If life coverage is chosen by the group, then the life premium is included with the medical premium. The other benefits listed (dental, vision, short-term disability, long-term disability) are offered on a voluntary basis to the employee. Individuals may choose to participate in the other coverage even if they waive medical coverage. If you choose to offer these additional options to your group, the premium will appear on your monthly billing and you will submit it to United Healthcare (UHC) with your medical premium.
Q. How do I know if my doctor is in the UHC plan?
A. The UHC Point of Service (POS) medical plan has a national network of providers. You can search for providers on the UHC website at www.myuhc.com.
Q. Who do I call when I have a problem or a question?
A. The UHC Customer Service Center is available to answer member questions. In addition, the Association will have a dedicated Benefit Plan service phone line, using a toll-free
number, 1-866-456-1421. We will be able to answer questions during open enrollment, view
billing records, assist with claims issues and continue to be the customer advocate for Franchise
members.