Employee Health Benefits Summary
Welcome, Cloud Company employee! Outlined below are the health benefits pathways for which you've been selected, as well as all of the ancillary plans available to you through your employer. Refer back to this page whenever you have questions or need to reach us! We've loaded it with resources for you, including tips and tricks from the experts on how to get the most out of your health benefits.
Remodel Health is health benefits tailored to your organization’s needs. As licensed experts, we are here to serve you!
Pathways ensure that you and your family are matched with the best health plan option available for your unique needs and situation.
Our customer success representatives serve all year long to help with provider searches, carrier questions, payroll and more.
© 2023 Remodel Health. All rights reserved.
Cloud Company
Learn about Remodel Health, your health benefits experts.
Helpful Resources from the Health Benefits Experts
When it's time to go to the doctor...
Choosing the best care option for you depends on your symptoms.
TELADOC
URGENT CARE
EMERGENCY ROOM
$0 Copay
Copay Varies
Copay Varies
- Flu symptoms
- Mild fever
- Digestive issues (gas, diarrhea, constipation)
- Eye, ear and throat irritation or infection
- Skin rash or irritation
- Allergies
- Asthma
- Muscle pain and soreness
Prescribes non-narcotic Rx
Prescribes non-narcotic Rx
Prescribes non-narcotic Rx
- Minor cuts and wounds
- Moderate pain and discomfort
- Mild burns
- Mild allergic reactions
- Mild to moderate asthma
- Muscle sprains and strains
- Animal or insect bites
- Broken bones
- Severe pain, especially in the chest or stomach
- Severe burns
- Significant difficulty breathing
- Drug Overdose
- Poisoning
- Babies in need of immediate care
But wait! What about my bill?
(Don't worry, we've got it under control!)
Even though you have individual health benefits, as a member of Remodel Health, we help Cloud Company deduct your monthly health benefits costs from your pay, then we pay the bill on your behalf.
Throughout the year, it's likely that you will continue to receive a bill in the mail each month from your carrier or program. Please disregard these bills. Don’t worry, we will always take care of your monthly payment and send a confirmation once a bill has been paid.
If you ever have any questions or concerns regarding your bill, please contact us!
Video Tutorials
Help With Doctors Visits
Video Tutorials
Help With Doctors Visits
Pay My Bill
Contact My Success Rep
Pay My Bill
Contact My Success Rep
You have been assigned a CUSTOMER SUCCESS REPRESENTATIVE whose job is to walk alongside you throughout the year and address any of your service-related concerns or questions.
If you need assistance, please email [email protected].
You can expect a response within 24-48 business hours!
Your Direct Point of Contact
At Remodel Health, our support staff is dedicated to helping members succeed.
Pathway 1: HSA Plan
Pathway 2: Copay Plan
Spouse Plan
Your Benefits Details
Click Your Pathway Selection Below To View Plan Details
Ancillary Plans
Employee Only (EE)
Employee + Child (EC)
Employee + Spouse (ES)
Employee + Family (EF)
Benchmark Plan
Carrier/Program
Preventive Care
Health Savings Account & Reimbursement Details
$XX/month
$XX/month
$XX/month
$XX/month
Blue Advantage Bronze PPO 203
BlueCross BlueShield
Covered at 100%
Item
Employer HSA Contribution
Employer Reimbursement
Employee Responsibility
Employee / Employee +
$XX / $XX
$XX / $XX
$XX / $XX
Employee Only (EE)
Employee + Child (EC)
Employee + Spouse (ES)
Employee + Family (EF)
Benchmark Plan
Carrier/Program
Co-Insurance after Deductible
Preventive Care
Eligible for Reimbursement
Primary Care Visit
Specialist Visit
Urgent Care Visit
Prescription Drugs
Generic Drugs
Tier 1 & 2
Health Savings Account & Reimbursement Details
$XX/month
$XX/month
$XX/month
$XX/month
Blue Advantage Bronze PPO 203
BlueCross BlueShield
XX%
Covered at 100%
After Reimbursement
$XX Copay
$XX Copay
$XX Copay
$XX Copay (Retail)
$XX Copay (Retail)
Item
Employer HSA Contribution
Employer Reimbursement
Employee Responsibility
Employee / Employee +
$XX / $XX
$XX / $XX
$XX / $XX
Medicare/Medicaid
Many employees that we serve have a unique opportunity to join their spouse’s health plan during the transition with Remodel Health. If your spouse’s employer offers a group plan, our team of licensed benefits advisors can help you smoothly transition to their plan!
The transition to Remodel Health negates the factor of spousal carve out. A “carve out” means that an employer will not allow the spouse of an employee to join the plan they offer if that spouse is also offered healthcare through their employer. With Remodel Health, however, you can join your spouse’s plan, earning you the benefits of affordability, accessibility, and reduced max out-of-pocket and exposure.
MONTHLY ALLOWANCE: Up to $100 (with administrative approval).
MEDICARE-ELIGIBLE
Employees who are 65 and over are eligible to join Medicare! Now, you have access to enrollment support with Remodel Health’s Medicare Specialist. Remodel Health will provide an individualized advisement for all employees converting to Medicare.
MONTHLY ALLOWANCE: $XX
MEDICAID-ELIGIBLE
Medicaid provides health coverage to eligible adults and children. Now, you have access to enrollment support with Remodel Health’s Medicaid Specialist. Remodel Health will provide an individualized advisement for all employees converting to Medicaid.
MONTHLY ALLOWANCE: $XX
These additional benefits are available to all benefits-eligible Organization Name employees:
Dental
Vision
MEC
Life Benefits
Disability
Telehealth
Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].
Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].
The Minimum Essential Coverage plan offers coverage for preventive services. You will be automatically enrolled in this benefit.
Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].
Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].
With Teladoc, you can speak with a medical professional without leaving your home or paying copays. You will automatically be enrolled in this benefit.
Reimbursement Details
Eligible Expenses: Any medical services that are provided through current health benefits coverage.
Reimbursement Limits: Standard reimbursement limits are built off an assumed employee-first-dollar liability, meaning it is assumed that the employee will pay their set amount of expenses before being reimbursed.
Employee Only (EE) will pay the first $XX.
Employee+ Dependents (EE+) will pay the first $XX.
MEDICAL PLAN
COUNSELING SERVICES
Eligible Expenses: Standard counseling sessions for employee mental health, marriage, family and dependents. Must be provided by a state-licensed counselor or psychologist and not covered by a medical plan.
Reimbursement Limits: $XX per calendar year
WILL & ESTATE PLANNING
Eligible Expenses: Will and estate planning sessions provided by a licensed attorney, lawyer or financial planner.
Reimbursement Limits: $XX per calendar year
PROCESS FOR REIMBURSEMENT
Employee completes reimbursement request form in the Remodel Health platform.
Employee can choose between an HSA deposit or bank account deposit.
Remodel Health approves requests based upon employer- approved constraints.
Remodel Health sends the admin a monthly reimbursement report to be run as off-cycle payroll.
Health Savings Account (HSA) Details
A Health Savings Account is a medical savings account available to those enrolled in a high-deductible health plan (HDHP) as determined by the IRS. The funds contributed to an HSA are not subject to federal income tax and can be used for qualified medical expenses.
WHAT IS AN HSA?
WHY AN HSA?
Eligible employees can open up an HSA account to use tax-free dollars for qualified medical expenses! HSA funds remain in your account until you use them (i.e. the money rolls over every year and can be accumulated over time). In addition, HSAs are “portable,” meaning the account and all funds stay with you if you change employers.
YEARLY CONTRIBUTION LIMITS
Remodel Health encourages all employees enrolled in a High-Deductible Health Plan to contribute the full amount to their HSA each year if possible. Remember, if you don’t use the funds right away, they roll over and are tax-free. An HSA is a great safety net to have for whenever you may need it!
For more information about HSAs, please visit hsabank.com and click on “Learning Center.”
Annual Individual Limit
Annual Family Limit
55+ Additional Amount
$3,850
$7,750
$1,000
THE RH REIMBURSEMENT PROGRAM
Remodel Health is proud to offer the organizations we serve the opportunity to provide employees with a Reimbursement Program! Because our Reimbursement Program is in-house (managed solely by Remodel Health), it allows employers to have more flexibility, choice and control in the customization of employee reimbursements, and provides convenience and timely payments for employees.
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