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1ArmadaCare | 1-800-481-3380 | [email protected]
Making Employee Well-Being a PriorityEmployers recognize the importance of focusing on employee well-being to combat today’s “always-on” culture with blurred lines between work and home. After all, emotional stress, mental health issues and burnout are serious concerns for employees and employers. In part because these issues can cause absenteeism (productivity lost when employees aren’t at work) and presenteeism (reduced productivity while employees are at work), both of which impact the bottom line.
Now in 2020, employees are faced with the additional strain of dealing with the upheaval caused by the COVID-19 pandemic, which has caused fear, panic and isolation. As a result, more employees are struggling with depression, anxiety and addiction. This has raised even greater awareness around the importance of employer-provided support to help employees cope during these unprecedented times of remote work and pandemic-related stress.
Health and Well-Being Benefits and ServicesWellPak with Guide is designed to help employers combat this issue by focusing on improving employee mental health, managing stress, and reducing the effects of burnout. Addressing a growing need in the employee benefit space, ArmadaCare’s WellPak with Guide insurance solution can be a valuable benefit boost for your employees during these trying times and beyond. A fully insured hospital indemnity plan at its core, WellPak with Guide also includes:
The Need for Well-Being
3/4 of employees report suffering from burnout Gallup, 2020
95% of HR leaders say burnout sabotages retention Forbes, 2019
2/3 of employees report experiencing greater stress now than before the pandemic MetLife US Employee Benefits Trend Study, 2020
550 million: Annual workdays lost to employee stress Harvard Business Review, 2019
3x: Employees who are burnt out three times more likely to leave. Gallup, 2018
3/4 of employers identified employee stress and burnout as a 2020 organizational priority MetLife US Employee Benefits Trend Study, 2020
When employee well-being is an organizational priority, companies can see the results through:
� Increased employee satisfaction� Decreased absenteeism and presenteeism� Increased employee engagement and productivity
*According to the plan maximum number of days
Coverage for prescriptions, doctor visits, massage therapy, acupuncture and more
An embedded Guide program: virtual behavioral health and well-being sessions that are fully covered by the plan*
WellPak with Guide Uncommon supplemental benefits for today’s workforce
BENEFITS AT-A-GLANCE
Covered Benefits and Services
Daily Benefit AmountWellPak with Guide
300/30 PlanWellPak with Guide
200/30 PlanLimit Type per
Covered PersonMax. Number of Daily Benefits
Daily Hospital Confinement
Benefit ($) $300 $200 PerConfinementDays (#) 30 30
Prescription Drugs – Generic
Benefit ($) $50 $25 Per Plan Year
Days (#) 25 25
Prescription Drugs – Brand Name
Benefit ($) $100 $75 Per Plan Year
Days (#) 10 10
Mental Health Coaching and Office Visits*
Benefit ($) $65 $65 Per Plan Year
Days (#) 15 10
Outpatient Diagnostic Laboratory Tests
Benefit ($) $100 $75 Per Plan Year
Days (#) 3 2
Mental Health and Substance Abuse Confinement
Benefit ($) $150 $100 Per Plan Year
Days (#) 20 10
WellnessBenefit ($) $75 $75
Per Plan YearDays (#) 25 25
Family Annual Aggregated Coverage
$15,000 $7,500
Illustrative Monthly Premium†
Employee Only $85 per month $65 per month
Family $240 per month $175 per month
*These benefits can be used for the Guide services or for services provided by the member’s own provider.†These values are general composite numbers only. Actual policy premium is determined based on standard underwriting guidelines and characteristics of the group. Annual policy is subject to minimum participation requirements. Premiums, insurance plans, coverage and availability may vary by state. Detailed coverage, exclusions and limitations are listed in the Certificate of Insurance.
WellPak with Guide
2ArmadaCare | 1-800-481-3380 | [email protected]
WellPak with Guide
GUIDE Online Behavioral Health and Well-Being Support Services
In addition to valuable hospital, prescription and wellness coverage, this solution includes Guide virtual consultation services. These fully covered* 30-minute sessions are offered by master-level behavioral health clinicians, called Guide Care Concierges. (Note: The number of sessions varies by plan.)
Using an online appointment scheduling tool, members can conveniently schedule a session between the hours of 8 a.m. to 8 p.m. Eastern, Monday through Friday. As part of that appointment scheduling process, they can review bios and select their Guide Care Concierge. They can also choose whether they would like the session to be over the phone or virtual.
The 30-minute consultation sessions with a Guide Care Concierge, provide members with:� In-the-moment support specific to their issue (stress, anxiety, sleep deprivation)� Brief intervention therapy and coping techniques, including breathing and calming exercises� General recommendations on available emotional well-being resources
To offer even more convenience, Guide session costs will be submitted directly to ArmadaCare, eliminating the need for members to file a claim.
Note: These consultations are HIPAA-compliant. Guide is not a crisis line. If a member, or anyone in their household, is experiencing a crisis or medical emergency, they must call 911.
*The Guide virtual behavioral health and well-being sessions are fully covered by the plan under the Mental Health Coaching and Office Visits benefits according to the plan maximum number of days.
GROUP WEBINARS AND ADDITIONAL SUPPORTResources for Coping
Members have complimentary access to a series of group-based webinars. Hosted by a master’s level behavioral health clinician, these weekly 30-minute webinars focus on managing anxiety, building resilience, maintaining focus and other well-being topics. The webinars are conducted via secure, private video meeting with only the counselor in view. There is a Q&A at end to answer any questions.
Note: These webinars are offered on set dates and times. Information will be provided to ArmadaCare clients and members in advance.
In addition to these sessions, clients can access information sheets for distribution to employees on topics such as managing anxiety when working from home, working at home with kids and more.
Note: Guide services are provided by BHS. Founded in 1983, BHS is a well-being provider operated by tenured, experienced behavioral health professionals.
3ArmadaCare | 1-800-481-3380 | [email protected]
WellPak with Guide
ABOUT ARMADACAREArmadaCare is a specialty insured health benefit products company. Now part of Sirius Insurance group, a multi-billion dollar global insurance organization, ArmadaCare brings innovative products to the employer group market. Our new Sirius Limited Benefit Fixed Indemnity Insurance Coverage (form number SASI 1000 01) is compatible for employees with High Deductible Health Plans and Health Savings Accounts. This coverage is not available in all states.
WellPak with Guide is not intended to be a substitute for medical coverage nor does it provide basic medical or major medical insurance. The benefits at-a-glance is intended to provide a general description of the policy benefits, including the limit on the number of days of coverage, which varies by plan level and by benefit category.
Like most group health insurance policies, those offered by ArmadaCare may contain certain exclusions, limitations and terms for keeping them in force. Guide is offered by ArmadaCare’s designated provider and is subject to specific terms, conditions, limitations and exclusions as defined in the policy and corresponding Certificate of Insurance.
ABOUT BHSHeadquartered in Baltimore, Maryland, BHS is a privately held, stand-alone provider of well-being programs and services. Since its inception in 1983, BHS has serviced thousands of corporations, agencies, associations and organizations and currently supports over one million individuals globally. As a stand-alone well-being provider, operated by tenured, experienced behavioral health professionals, BHS has a high-touch, hands-on approach to service delivery that is unmatched. Helping people is their priority and passion. Above all, BHS is committed to creating direct, personalized access to high-quality services using a human-to-human approach to member care.
Contact:[email protected]
Underwritten by Sirius America Insurance Company (“Sirius America”). Sirius America has an A.M. Best Financial Strength Rating of “A-” (Excellent) as of March 4, 2020. WPG100 7/20
4ArmadaCare | 1-800-481-3380 | [email protected]
