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Your Health

At TEAM Services Group, our comprehensive benefits program is designed to support every aspect of your well-being, ensuring you have the resources you need to thrive personally and professionally.

Click here for an overview of your offered benefits: Benefits at a Glance

Medical

Your health benefits are an important part of your compensation. Plus, they give you and your family access to numerous health tools and resources. All eligible employees can choose between the four comprehensive medical plan options, administered by APEX/Tres Health:

Preventive care is covered 100% as long as the care received is in-network and age- and gender-appropriate.

Each plan differs in deductible amounts, out-of-pocket maximums and coinsurance. Office visits, specialist visits and prescription drug costs vary by plan.

Find a Doctor

Our medical plans have contracted with a network of providers, including physicians, hospitals, and other types of providers. To receive the highest level of benefits and pay the least amount out of your pocket, you need to receive care from the providers who have elected to be a part of the network. It’s important to check that your providers are in-network to avoid costly out-of-network charges later.

Your medical provider network is PHCS. You can find participating providers by visiting urmedwatch.com and searching by zip code or provider name.

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ID Card

Tres Health will send your ID card to your home. After you enroll, you may use the information on the ID card for help with eligibility, benefit and claim questions. Your ID card will also be available digitally through the Tres Health Member Portal. Please bring your ID card to every doctor’s visit and when filling prescription drugs.

Virtual Care

If you enroll in the MEC Basic plan or MEC Advantage plan, you have access to free, unlimited telemedicine and behavioral health services through MDLive. You can get immediate, on-demand care from affordable, quality board-certified doctors and pediatricians via secure video chat or phone for conditions like:

  • Acne
  • Allergies
  • Cold and flu
  • Fever
  • Headaches
  • Skin infections
  • Sore throats
  • Urinary tract infections
  • Behavioral/mental health
  • Urgent care
  • Dermatology

To talk to an MDLive medical provider available 24/7/365, including holidays, call 888-812-3712, visit mdlive.com/treshealth or go to the Tres member portal at member.tres.health.

Note: When choosing a medical plan, think about how you prefer to pay for your care. Some plans have higher paycheck deductions and lower costs when you receive care, while others have lower deductions and higher costs when you receive care.

Questions About the Medical Plans?

Medwatch, our member advocacy service provider for all our medical plans, is here to guide you through your options and help answer any questions you may have so that you can enroll in the best plan for you and your family.

To get started, go to urmedwatch.com or call 888-341-5606.

Understanding the Medical Plan Lingo

We know not everyone understands the lingo, so here are some important terms to know as you decide which medical plan to choose, as well as how to use it during the year:

Copay
A copay is the fixed amount you pay for a covered health care service (e.g., a primary care physician’s office visit or an emergency room visit).
Deductible
Your annual deductible is the amount you pay for office visits, prescription drugs and other covered services before your plan begins sharing the cost.
Embedded Deductible

If your plan has an embedded deductible, each dependent you cover must meet their own deductible before your plan begins sharing the cost.

Coinsurance
Coinsurance is the percentage you and your plan each pay when you’re sharing costs. Coinsurance kicks in after you meet your annual deductible.
Out-of-pocket maximum
The most you pay in a year for health care services is called the out-of-pocket maximum. After you reach the out-of-pocket maximum, the plan covers 100% of eligible services for the remainder of the plan year.

Prescription Drugs

Prescription drug coverage is embedded within each of our medical plan options. Your prescriptions will be processed through Cigna’s pharmacy if you enroll in an MVP plan; the MEC plans are discount arrangements, not traditional insurance.

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What Medications Are Covered?

To find what prescription medications are covered under the MVP medical plans:

  1. Go to cigna.com
  2. Scroll to the bottom of the page and find the column labeled I want to…
  3. Select See prescription drug list
  4. Click 4 tier (all specialty medications…) to see what drugs are covered on your plan
Mail Order Pharmacy

If you are enrolled in an MVP plan, you can get your maintenance medications by mail to help you save time and money. With just a few simple clicks on your mobile phone, tablet or computer, your important medications will be on their way to your door (or location of your choice).

  • Easily order, manage and track your medications on your phone or online
  • Standard shipping at no extra cost
  • Fill up to a 90-day supply at one time
  • Helpful pharmacists available 24/7
  • Automatic refills and refill reminders so you don’t miss a dose
  • Payment options if you need help paying for your medications

To get started with home delivery, go to mycigna.com/choosehomedelivery and follow the online instructions to transfer your prescription from your retail pharmacy. To access a list of drugs that qualify for mail-order visit myCigna.com or call 800-835-3784.

How the Prescription Drug Tiers Differ

The amount you pay for a prescription drug is based on the type of drug you fill, whether it’s a generic, preferred brand, non-preferred brand or specialty. Here’s how the costs compare based on the tier of drug you fill:

Tier 1 – Generic: $

Always consider tier one medications if you and your doctor decide they are right for your treatment.

Tier 2 – Preferred: $$

Consider tier two medications if you and your doctor decide there are no tier one options appropriate to treat your condition.

Ask your doctor if there are tier one alternatives or over-the-counter brands that are equivalent to tier two medications. They may be used to treat the same condition but are less expensive.

Tier 3 – Non-Preferred: $$$

If you are currently taking a medication in tier three, ask your doctor whether there are tier one or two alternatives appropriate for your condition.

Compounded medications containing one or more ingredients that are prepared on-site by a pharmacist are classified at the tier three level, provided that the individual ingredients used in compounding are covered under the pharmacy benefit.

Note: Keep in mind that some preventive medications are covered at 100% when you use an in-network pharmacy. They are NOT covered when received out-of-network.

 

Dental

Whether you get regular cleanings, need additional dental work, or just want peace of mind, TEAM Services Group offers two comprehensive dental plans through MetLife: the High Plan and the Low Plan. Both plans cover diagnostic and preventive services—such as exams, cleanings, sealants and space maintainers—at 100%, whether you use an in-network or out-of-network provider.

View the Dental Plan Summary.

Click here to learn more.

ID Card
You won’t receive a physical ID card for your MetLife dental plan. If you need to access your digital ID card or coverage information, log in with your credentials at metlife.com or in the MetLife mobile app. Please note that you’ll need to have your SSN handy when you set up your account to verify your identity.

Dental Plan Options

To see your MetLife dental plan options and coverage details, review the Dental Plan Summary.

Find a Dental Provider

Although you can use an out-of-network dental provider, you will save the most money out of your pocket by using MetLife dental providers who have agreed to give you discounted rates.

To find a network provider:

Note: If you live in Alaska or Montana, you can only enroll in the High Plan.

Vision

Whether you have glasses, contacts or 20/20 vision, TEAM Services Group offers a comprehensive vision plan through MetLife, powered by the Superior Vision Network. Vision insurance is key to maintaining good eye health, as annual exams can detect early warning signs of various conditions.

For an overview of the benefits provided under the vision plan, review the Vision Plan Summary.

Click here to learn more.

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Find a Doctor
Although you can use an out-of-network provider, you will save the most money out of your pocket by using in-network doctors who have agreed to give you discounted rates.

To find a doctor:

  1. Go to metlife.com
  2. Hover over the Support tab
  3. Select Find a Vision Provider
  4. Click Superior Vision
  5. Search for doctors by location or name

You can also find providers by searching in the MetLife mobile app or calling 1-833-393-5433.

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ID Card
You won’t receive a physical ID card for your MetLife vision plan. If you need to access your digital ID card or coverage information, log in with your credentials at metlife.com or in the MetLife mobile app. Please note that you’ll need to have your SSN handy when you set up your account to verify your identity.

Supplemental Health Plans

Accident, Critical Illness and Hospital Indemnity Insurance

TEAM Services Group offers Supplemental Health Plans through Lincoln Financial to fill any gaps in your medical coverage if you have a critical illness, accident or hospital stay, providing you with added financial protection.

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Accident Insurance

Pays a lump sum directly to you based on your accident, and you choose how to spend it. Whether you break a bone or experience a more serious injury, you can use the money for medical bills, monthly expenses and other bills that you may have while you recover.

Coverage is available to you and your dependents. Payment amounts depend on the injury and treatment received.

Click here to learn more.

Critical Illness Insurance

Pays a lump sum directly to you if you are diagnosed with a covered condition, such as a heart attack, cancer or stroke—this way, you can focus on getting better, rather than worrying about how to cover your bills. Use this coverage to pay for treatment costs or everyday living expenses, like housekeeping services, special transportation services and day care.

Coverage is available to you and your dependents. You can choose a benefit amount of either $15,000 or $30,000.

Click here to learn more.

Hospital Indemnity Insurance

Pays cash directly to you when you have a hospital stay, which you can use to help pay medical costs, or even pay for everyday expenses, like grocery bills or mortgage payments.

Coverage is available to you and your dependents. There are two plan options available to you: the Low Plan and the High Plan. Coverage amounts vary depending on the plan you select. Actual payment amounts vary based on the type of admission and the length of your stay.

Click here to learn more.

For more information on the Supplemental Health Plans, visit lincolnfinancial.com, download the Lincoln Financial Mobile app or call 1-800-423-2765.

For more information on the plans, review the Supplemental Health Summaries below:

Ready to Enroll?

Go to our personalized Benefits Portal to enroll in your benefits.

Visit Benefits Portal