Getting Started

Discover how our comprehensive benefits program can you and your family’s overall wellness.

How to get going

Use the following checklist to get started with your benefits and make the most of all that’s available to you as a Smiths Group employee.

1

Step one: Explore your benefits options

Check out our benefits to see what options are available and elect those that best fit your family’s needs.
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Step two: See how to save for the future

Find out how our 401 (k) plan can help you build your retirement savings and take control of your financial future.
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Step three: Review our plans in detail

Visit our resource library for more detailed information in our Benefits Guide, plan descriptions, and summaries.
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Step four: Choose your benefits

When you’re ready to make your choices, you may enroll online or call us at 1-866-330-6555.
If you don’t enroll in a medical plan within 31 days of being hired, you only will be automatically enrolled in the Anthem Advantage Plan, our ‘default’ coverage.
For some benefits, such as dental, vision and long-term disability insurance, the default is no coverage. So don’t wait too long – 31 days will be gone before you know it.

 

How to change your benefits

Once you’ve chosen your benefits, you’ll have the opportunity to change your options once a year during our annual open enrollment period.

You may also be able to make changes throughout the year if you experience a ‘qualified life event’ (such as getting married or having a child).

If you want to make a change following a qualified life event, log in to your online account or call 1-866-330-6555 within 30 days of the event.

What is a qualified life event?

The following events are examples of a qualified life event:

  • Birth or adoption (or the placement of a child for adoption)
  • Death of a covered dependent
  • Divorce, legal separation, or annulment
  • Relocation of a home or workplace (either yours, your partner’s, or your dependent’s)
  • A significant change in the cost of your benefits
  • A court order or administrative decree requiring coverage of a dependent child

 

Who is eligible for benefits?

As an employee of Smiths, you’re eligible for our benefits program if you’re employed on a regular full-time basis and are scheduled to work at least 20 hours per week beginning August 1, 2023.

Partners and dependents are also eligible for benefits as long as they meet certain requirements. This includes:

  • Your legal spouse or registered domestic partner

  • Children under the age of 26 (until the day they turn 26)

  • Children of any age who have an eligible disability and are dependent on you for support (this can include your partner’s children). Dependents over the age of 26 must be verified by the Smiths Group Benefits Center.

If your spouse or domestic partner(DP) has access to another medical plan including Medicare, there’s a monthly spousal/DP contribution of $300. It’s not assessed if your spouse or domestic partner does not have access to another medical plan.


 

Common terms

PPO

A Preferred Provider Organization uses a network of doctors and hospitals that provide healthcare. You may choose providers in or out of the network, but you will pay a greater share of the expenses if you use out-of-network providers. No Primary Care Physician is required.

In-network

Doctors, hospitals or other healthcare facilities that are contracted with a healthcare plan.

Out-of-network

A group of doctors, hospitals or other healthcare facilities that are not contracted with a healthcare plan.

COBRA

This is coverage available to employees and their eligible dependents enrolled in the Smiths Group medical, dental, vision, FSA and EAP benefits. If you are off work on an extended leave of absence, or terminate employment this may be an option. For more information regarding COBRA please visit Continuation of Health Coverage (COBRA) | U.S. Department of Labor (dol.gov)

Coinsurance

The percentage you pay when you receive care after you have met the annual deductible, if one applies.

Deductible

The amount you pay first each year before the plan begins paying expenses for covered services.

Health Savings Account (HSA)

A Health Savings Account is only available if you are enrolled in a high deductible plan (Anthem Advantage) and you meet HSA eligibility rules. For more information visit Publication 969 (2020), Health Savings Accounts and Other Tax-Favored Health Plans | Internal Revenue Service (irs.gov)

Qualifying for an HSA

To be an eligible individual and qualify for an HSA, you must meet the following requirements.

  • You are covered under a high deductible health plan (HDHP), described later, on the first day of the month.
  • You have no other health coverage except what is permitted under Other health coverage, later.
  • You aren’t enrolled in Medicare (including A, B, C, D, F).
  • You can’t be claimed as a dependent on someone else’s tax return.

Out-of-pocket maximum

The maximum amount you pay each year for covered services. This does not include the money you contribute each pay period towards your healthcare costs.