Group Health Insurance

BTHR BeneTemps offers eligible employees a choice between two HSA qualified health plans through AllWays Health Partners:

• AllWays Complete HMO HSA 2500
• AllWays Complete PPO HSA 2500

These plans include a first dollar deductible of $2,500 for individual and $5,000 for family, on all services except for eligible preventive care expenses which are covered with no deductible.  This up-front cost is supported by the addition of a Health Savings Account (HSA) which provides a tax-efficient vehicle to fund both the out-of-pocket deductible and a host of other eligible health care expenses that can be paid via payroll deduction on a pre-tax basis.

AllWays Complete HMO HSA 2500

This Plan offers coordinated care through a designated Primary Care Physician you choose from thousands of AllWays physicians throughout Massachusetts. For a list of network physicians visit  https://www.allwayshealthpartners.org/

• This is a high deductible HMO plan supported by a Health Savings Account (HSA). BTHR Solutions will contribute to each HSA up to $1,000 per individual or $2,000 per family each plan year (Oct 1-Sept 30) in monthly installments of $83.33 or $166.67 respectively, for as long as the employee remains actively employed (i.e. on assignment), continues to meet eligible criteria and is enrolled in our above AllWays Health Plan.
• Each participant will need to enroll in an HSA thru BTHR Solutions within the first month of their health coverage, so that employer contributions can be made to their HSA even if the participant chooses not to contribute.
• All services, including prescription drugs, are subject to the deductible being satisfied before coverage begins. Exceptions are certain preventative care expenses (i.e. annual physical exams, immunizations and screenings).
• Once the deductible is met, prescription drugs are covered by a six-tier co-payment plan for 30-day supply: ($5/$30/$60/$100/$125/$175), plus a mail-order pharmacy for 90-day supply of maintenance medications ($10/$60/$120/$300).

View the AllWays Complete HMO HSA 2500 Summary of Benefits Coverage (SBC)

AllWays Complete PPO HSA 2500

This Plan offers participants a choice of providers for their care. Participants may choose a provider IN the network, or OUTSIDE the network. In-Network services will be covered at a higher level than Out-Of-Network services.

• This is a high deductible HMO plan supported by a Health Savings Account (HSA). BTHR Solutions will contribute to each HSA up to $1,000 per individual or $2,000 per family each plan year (Oct 1-Sept 30) in monthly installments of $83.33 or $166.67 respectively, for as long as the employee remains actively employed (i.e. on assignment), continues to meet eligible criteria and is enrolled in our above AllWays Health Plan.
• Each participant will need to enroll in an HSA thru BTHR Solutions within the first month of their health coverage, so that employer contributions can be made to their HSA even if the participant chooses not to contribute.
• All services, including prescription drugs, are subject to the deductible being satisfied before coverage begins. Exceptions are certain preventative care expenses (i.e. annual physical exams, immunizations and screenings).
• Once the deductible is met, prescription drugs are covered by a six-tier co-payment plan for 30-day supply: ($5/$30/$60/$100/$125/$175), plus a mail-order pharmacy for 90-day supply of maintenance medications ($10/$60/$120/$300).
• Out-of-Network coverage has a higher deductible to satisfy than In-Network coverage.

View the AllWays Complete PPO Summary of Benefits Coverage (SBC)

Health SAVINGS Account (HSA)

This is a special tax-advantaged savings account for the purpose of paying for eligible medical expenses.

• Participants must be eligible to open an HSA. Eligible criteria is listed in our HSA FAQ’s link below.
• The HSA will be administered by HRC Total Solutions (HRCTS) who has been contracted by BTHR Solutions. An enrollment form with instructions will be provided by BTHR Solutions.
• Each participant will own their HSA and funds will not be lost due to changes in employment or healthcare plans.
• Participants can choose to contribute to their HSA on a pre-tax basis via payroll deduction.
• Participants can receive tax-free distributions from their HSA to pay or be reimbursed for qualified medical expenses incurred after establishing the HSA.
• For complete tax information on HSAs, see IRS Publication 969 at https://www.irs.gov

View the HSA FAQs

Eligibility

Full-time, eligible employees may enroll on the first day following their 90-day employment anniversary (this is the “Initial Eligibility Period”). Full-time, eligible employees are those who maintain a minimum of 390 hours during any consecutive 90-day period, AND who are paid directly by BTHR BeneTemps. Employees will be notified by BTHR BeneTemps upon reaching eligibility for the Plan. 

Monthly Cost

BTHR BeneTemps will contribute 50% of the monthly premium and the employee’s contribution will be 50% of the monthly premium, except for an employee electing the PPO if they are covered in the HMO service area.

Monthly premium payments are deducted via automatic payroll deduction on the last pay date of each month for the following month’s coverage.

AllWays Health Partners Premiums
Effective October 1, 2019 

* PPO premiums listed here are only applicable if employee is not covered in HMO service area.  If an employee chooses the PPO and is covered in the HMO service area, the PPO premiums will be higher for those individuals.

Pre-Tax Premiums

In order to provide you with tax savings available under the law, you may elect to have your health plan premiums deducted on a pre-tax basis under the guidelines of Section 125 of the IRS. 

Waiving Coverage/Opting Out

If you waive or “opt out” of the health coverage at the time you are eligible, you forfeit your right to enroll in the plan until the next Annual Open Enrollment Date – October 1– each year. You may, however, be able to enroll at other times of the year if you experience an employment status change or “qualifying life event” such as a loss of other health coverage, the birth of a child, a change in the cost of a spouse’s coverage etc.

A Note about the Affordable Care Act (ACA)

• ACA Marketplace Notice

To find more information about coverage in your state, please visit www.healthcare.gov.

Continuing Group health Coverage through COBRA

• COBRA Summary of Benefits
• BTHR BeneTemps COBRA options