Table of Contents
Voluntary Benefits Information
Eligibility & Enrollment Medical Benefits Prescription Savings Program Telehealth Connection Wellness Diabetes Management High Blood Pressure Management Dental Insurance Vision Insurance Health Savings Account (HSA) Flexible Spending Account (FSA) Commuter Savings Life Insurance Disability Insurance Retirement Employee Assistance Program (EAP) Advocacy & Transparency Harsco Discount Program Contact Information Glossary of Terms
Eligibility & Enrollment
Enviri offers a comprehensive suite of benefits to support your health and financial security. This site provides you with an overview of your benefits. Please review it carefully in order to select the coverage that is right for you and your family. As part of our Employee Care value, we continually look for ways to offer a variety of benefits to meet individual needs. These include:
Who Can Be Covered Under Your Plan
Click the buttons below for more information
Spousal Surcharge
Spouses are eligible for coverage under the medical plan; however, if your spouse has an option to elect his/her own employer-sponsored medical coverage, you will be charged a $100 per pay surcharge. You are required to submit spousal certification at time of your initial enrollment period as well as each year during annual open enrollment.
Spousal Eligibility Affidavit
How To Enroll
As a New Hire You must schedule and complete an appointment with a New Hire Benefits Educator within 30 days of your Date of Hire. You may schedule an appointment by calling 1-877-759-7630 or by clicking here. At the time of your appointment, your New Hire Benefits Educator will take you through 2021 benefits enrollment AND 2022 benefits enrollment.
Open Enrollment for the 2019 – 2020 plan year: In order to enroll in, waive, or change benefits for the upcoming plan year, you must schedule an appointment and speak with a Benefits Educator.
Making Election Changes During the Year
Each year you select or change your benefit elections during the annual open enrollment period. During the year, however, benefit election changes can only occur if you experience a qualifying life event. Examples of events that would allow you to make a change are listed below. • Marriage • Divorce or legal separation • Birth of your child • Death of your spouse, or dependent child • Adoption of or placement for adoption of your child • Change in your spouse’s eligibility for benefits through his or her job • Qualification by the Plan Administrator of a child support order for medical coverage • Entitlement to Medicare or Medicaid You must notify Human Resources within 30 days of the qualifying life event. Depending on the type of event, you may need to provide supporting materials. If you do not contact Human Resources within 30 days you will have to wait until the next annual enrollment period to make changes.You must show documentation confirming your spouse and child’s eligibility to add them to your coverage.
Dependent Eligibility
You may enroll your child(ren) and/or child(ren) of your spouse/domestic partner up to age 26. You must provide documentation of your relationship to support the designation of spouse, domestic partner or dependent. Due to Affordable Care Act mandates, dependent information must include their complete Social Security Number and legal name (as it appears on their Social Security card). If the data is incorrect, reports sent to the IRS on your behalf will be in error.
Spouse/Domestic Partner Eligibility
Spouse/Domestic Partner Eligibility You may only enroll your legal spouse/domestic partner for Harsco medical coverage if he or she: • Is not employed • Works part-time • Is self-employed • Is enrolled only in Medicare • Works for an employer that does not offer medical coverage. Your legal spouse/domestic partner is not eligible for Enviri medical coverage if he or she works for an employer that offers group medical coverage, and is eligible for that coverage. Establishing Domestic Partner Eligibility Establish Domestic Partner Eligibility for coverage by: • Completing a Domestic Partner Attestation • Completing a Dependent Tax Status Certification • Completing a Domestic Partner Tax Status Certification Enrollment will be pended until both forms received by HR. Tax Status Certification If the Domestic Partner qualifies as a Tax Dependent: • You can use FSA/HSA dollars for claims • Will not require imputed income adjustment If a Domestic Partner does not qualify as a Tax Dependent: • You cannot use FSA/HSA dollars for their claims • Value of coverage is taxable to you as the employee – will process as an imputed income element on your pay statement for Tax purposes
Making Changes During the Year
Spouse/ Domestic Partner Eligibility
Medical Coverage
Medical benefits shown are for the Preferred, Basic, and Select PPO Plans. Refer to the separate Voluntary Benefits booklet for information on products that may provide protection against unexpected out-of-pocket costs, regardless of which Medical plan you choose.
Prescription Benefits
BCBS Member Services
How can you keep your medical costs down and get the most out of your benefits? The first step is to verify your doctors and the facilities that treat you are considered in the plan’s network. It is your responsibility to be an informed consumer, so do your research before going to the doctor. Both the HDHP & PPO medical plans with Blue Cross Blue Shield of Texas utilize the BlueChoice PPO Network! Call Member Services at 800-451-0287 or access a provider directory online at www.bcbstx.com.
Are your doctors in-network?
Virtual Visits
Getting sick is never convenient, and finding time to get to the doctor can be hard. Blue Cross and Blue Shield of Texas provides you and your covered dependents access to care for non-emergency medical issues through MDLIVE. Virtual visits can also be a better alternative than going to the emergency room or urgent care center. Whether you’re at home or traveling, access to a board-certified doctor is available 24 hours a day, seven days a week at no cost to you. MDLIVE doctors can help treat the following conditions and more: Register today, and take advantage of this benefit!
BCBSTX.com and Blue Access Mobile
It’s easy to manage your medical benefits with Blue Access for Members and Blue Access Mobile (BAM). Once you register as a user at www.bcbstx.com you can: • View coverage details • Access ID cards • Check claims status • Find a doctor • Access general health information • Compare costs of providers and facilities. The Blue Access Mobile app is available for Apple and Android users.
General Health * Allergies * Asthma * Nausea * Sinus infections Pediatric Care * Cold/Flu * Ear problems * Pinkeye
www.MDLIVE.com 888-680-8646
Click Here for the Enhanced Prescription Drug List
New for 2023! Plans administered by UMR/United Health Care
• Choose a specific amount of money to contribute each pay period, pre-tax, to one or both accounts during the year. • The amount is automatically deducted from your pay at the same level each pay period. • As you incur eligible expenses, you may use your flexible spending debit card to pay at the point of service or submit the appropriate paperwork to be reimbursed by the plan.
How An HSA Works
Maximum Contribution Limits
• You are enrolled in any part of Medicare • You receive Military or VA Medical Benefits • You receive Tribal Benefits You will receive the same level of Harsco contribution support — but it will be through a Health Reimbursement Arrangement (HRA) instead: • You will receive a debit card for the Harsco funding amount from Optum. • You cannot contribute your funds to this account • You can use your HRA to help cover some or all of your out-of-pocket expenses throughout the year • If you leave Harsco, you cannot take your HRA with you • HRA funds used are not taxable income • HRA funds do not roll over to the next year - Any unused funds will be forfeited
When you are Not Eligible for an HSA account for the reasons below....
Accessing Your Funds
How an HSA Works
A Health Savings Account (HSA) is a tax-exempt savings account you establish exclusively for the purpose of paying for qualified medical expenses. Click the buttons below to learn more!
Eligibility
Optum Bank is our HSA Vendor. If you already have an Optum bank HSA card with Harsco you will continue to use it. New enrollees will receive an Optum bank debit card, This card can be used to pay for qualified expenses (doctors, pharmacy, dental, vision). The HSA funding Harsco provides for you is deposited into your Optum account and can be accessed using this card. You may even take money out of an ATM to reimburse yourself for expenses that you have incurred. Remember to keep all of your receipts for your transactions. This account is regulated by the IRS and is subject to audit. Funds that are used for nonqualified expenses are subject to penalty or income taxes.
When you are Not Eligible for an HSA account
Health Savings Account (HSA)
You are eligible to open an HSA account if you are enrolled in the Enviri Preferred or Basic Medical Plan.
Funding Process
Enviri offers quarterly HSA funding of Company contributions. Funding will occur by the 15th of January, April, July, and October. New hires and those with a qualifying event to change coverage levels will receive their first or updated funding in the quarter following their enrollment date or change date. You must be actively employed at time of funding. Example: Employee enrolled in January as “Employee Only” coverage. In May you have your first child and add them to your medical plan.
Harsco contributes to your HSA... • Quarterly You can also contribute… • Like the 401k - HSA is deducted from your paycheck PRE-TAX • Money in an HSA account “rolls over from year to year" Regulated by the IRS Not Eligible if: • Enrolled in a PPO or Non-qualified CDHP Plan • Enrolled in any part of Medicare • Receiving paid services from Military/Veteran or Tribal Health Benefits in the last 90 days Health Reimbursement Arrangement (HRA) • Employees not eligible due to Medicare, MilitaryVeteran or Tribal Benefits
*2023 IRS Annual Maximum Contributions • Individual: $3,850 • Family: $7,750 • If you are 55+ or will turn 55 in 2023, an additional $1,000 can be deposited. • Remember that Harsco’s contribution counts toward these maximums.
* HSA can be used to pay for medical, prescription, dental and vision expenses * HSA money is yours to keep regardless of employment status * HSA can be invested (after you have $2,000 in your account) * HSA accessed through debit card or can be reimbursed
Please Note: Funds are 100% available throughout the year for those enrolled in the HRA plan. The HRA is a reimbursement only program, unused funds do not carry over to the next year. When a qualifying event occurs, you must update your Optum HSA profile with your new Medical Tier. Optum does not update this information automatically. You can call Optum 866-234-8913 or visit the website www.optumbank.com to make the appropriate changes.
You may not be eligible for an HSA if: • You are enrolled in your spouse’s plan or other PPO plan • Your spouse is enrolled in a Medical Flexible Spending Account (FSA) • You are enrolled in any part of Medicare * • You are receiving Military or VA Medical Benefits * • You are receiving Tribal Benefits *
*If you are enrolled in any part of Medicare, receive Military/VA or Tribal benefits, you may be eligible for an HRA.
And you enroll in the Harsco Preferred or Basic Medical Plans....
Rx Savings Solutions is linked to your health plan, so everything is personalized according to your medications and insurance.
Stop overpaying for your prescriptions. Rx Savings Solutions offers a way to lower your prescription drug costs.
Prescription Drugs Program
How It Works
Beginning Jan. 1, 2022, activate your account to start saving! • Call 1-800-268-4476 • Visit www.myrxss.com
Wellness Premium Discount Program
Enviri is committed to providing you and your family with the resources needed to assist in your wellness quest. The Wellness Program contains two action items in order to receive the annual medical premium discount. Complete the following two requirements by December 31st, to ensure your medical premium discount for the following year: • Complete Your Annual Biometrics - Options include participating in an on-site event, registering with Quest Labs and signing up for a lab appointment or a home kit, or by visiting your physician and having a form completed during your annual physical. The deadline for completion is the end of the calendar year. • Complete Your Health Risk Assessment. Log into www.mycigna.com to complete. The deadline for completion is the end of the calendar year. • Please Note: If you are currently enrolled in Employee + Spouse or Employee + Family, you can earn an additional discount if your spouse also completes a biometric assessment and HRA. As this is a transition year through December 31, 2022, you will continue to visit www.mycigna.com to complete your Health Risk Assessment and enter any wellness activities completed this year. As of January 1, 2023, all wellness points and activities will be tracked on the new UMR Wellness Portal: www.UMR.com.
In this example, applicable deductibles have been met, and the participant visits a dentist to have a basic service provided. If the dentist’s submitted fee of $120 is covered at 80%, the claim may be processed as follows for each network:
Participants may save the most money and receive the highest level of coverage when they visit a Delta Dental PPO dentist. Our PPO dentists have agreed to accept lower fees as full payment for covered services. Participants may still save money if they visit a Delta Dental Premier dentist who agrees to accept Delta Dental’s fee determination as full payment for covered services.
The Dual Network Advantage
Regular dental exams can help you and your dentist detect problems early when treatment is more basic and costs are much lower.
Keeping your teeth and gums clean and healthy will help prevent most tooth decay and periodontal disease, and is an important part of maintaining your medical health. For more information on your dental plan choices, or to find an in-network provider, visit www.deltadentalins.com. Enviri offers you a choice of two dental plans: the Premium Plan and the Plus Plan.
Cigna Dental Benefits Overview
Dental Plan Rates (Bi-Weekly)
* When you receive services from a Nonparticipating Dentist, the percentages in this column indicate the portion of Cigna’s Nonparticipating Dentist Fee that will be paid for those services. The Nonparticipating Dentist Fee may be less than what your dentist charges, and you are responsible for that difference.
Both plans cover composite resin (white) fillings on all teeth. Coverage for implants will count toward a separate annual maximum, so your plan benefits will remain available to use for other dental care services.
Dental Coverage
New for 2022!
Eligibility for sealant on children's teeth increased from age 14 to age 16.
Vision Coverage
Routine vision exams are important, not only for correcting vision but because they can detect other serious health conditions.
Vision Overview
Vision Rates
Your vision plan covers routine eye exams, and all or a portion of the cost of prescription glasses or contact lenses if you need them. For more information on the vision plan or to find an in-network provider, visit www.e-NVA.com.
Cigna Vision Benefits Overview
Vision Plan Rates (Bi-Weekly)
* Lenses OR Contact Lenses once every 12 months **Contact lens fit and two follow-up visits are available once a comprehensive eye exam has been completed.
*Every 12 months. +Prior authorization from NVA required. Reimbursements may vary through retailers such as Walmart and Sam’s Club and other high-discount providers.
The care you need: when, where and how you need it.
Hospital Indemnity Insurance
Telemedicine
Talk to a U.S.-licensed doctor for non-emergency conditions 24/7 from anywhere you are. We treat: • Bronchitis • Flu • Rashes • Sinus infections • Sore throats • And more
Click Here for more information: English Accident Flyer Spanish Accident Flyer
How it Works
Doctors can assist with: • Sore throat • Cold and flu • Headache • Allergies • Stomachache • Rash • Fever • Acne • Ear Infection • UTI's and more
Get Started Today - Download the App | Visit www.Teladoc.com | Call 1-800-835-2362
The charge for MDLIVE is $55 per visit.
1. Download the app, go online or call us to set up your account or log in 2. Complete or update a brief medical history 3. Request a visit and talk to a doctor within minutes
A simple and convenient way for you to pay for qualified commuting expenses while you save on taxes!
Commuter Benefits PreTax Savings
Any employee who uses Commuter Parking, Transit or Van Pooling can save using this program. The IRS allows you to set aside pretax dollars for commuting expenses: • Up to $280/month for qualified transit expenses • Up to $280/month for parking
1. Enroll in Commuter Savings (Open Enrollment or anytime during the year) 2. Determine the amount you want to save (you can change at any time) 3. Register and sign in to Optum Bank 4. Select the transportation link and place your order
Use your Commuter Savings Plan to pay for qualified: • Public transit fares for buses, ferries and commuter rail • Vanpool fares • Parking expenses
New for 2023! Managed by Optum Bank
FLEXIBLE SPENDING ACCOUNTS (FSA)
You are only eligible to open a Health Care FSA, if you: • Enrolled in the Enviri Select PPO Plan, or • Waive Enviri medical coverage, and • You are covered by a medical plan that is not a high-deductible qualified plan.
You may enroll in the Dependent Care FSA regardless of your Medical Plan selection.
What Types of Things Are Eligible?
For a full list of eligible expenses visit Optum's website.
You can access your Health Care funds at any time, up to your full annual election amount. You may roll over up to $500 for the next plan year. Funds over $500 will be forfeited. For Dependent Care FSAs, you may access funds that you have contributed through payroll deductions. If a claim is submitted and your account balance is insufficient, you will be reimbursed only after you have enough in your account to cover the expense. Unused dependent care funds do not roll over.
IMPORTANT INFORMATION ABOUT FSAs
You must enroll in the FSA accounts each year.
New for 2023! FSA accounts will be managed by Optum Bank
Modern Diabetes Management, available no cost to you and your family if you have coverage through the Harsco medical plan.
Diabetes Management
Livongo helps you stay on top of your health. It comes with an advanced meter, unlimited strips and lancets, and on-demand coaching.
Get Started!
To learn more and join: • Text GO HARSCO to 85240 • Vist join.livongo.com/HARSCO/register • Call (800) 945-4355 Use registration code: HARSCO
Program Benefits
• An advanced blood glucose meter • Unlimited strips and lancets • Personalized insights • One-on-one coaching • Guidance on healthy habits
$0 Cost to You!
• Advanced blood pressure monitor • Personalized insights • One-on-one coaching • Easy to use app and dashboard • Guidance on healthy habits
An advanced blood pressure monitor, support you need, and Harsco is covering 100% of the costs.
High Blood Pressure Management, available no cost to you and your family if you have coverage through the Harsco medical plan.
HIGH BLOOD PRESSURE Management
Life Insurance
SECURITY FOR YOUR FAMILY’S FUTURE
Company Provided: Life and AD&D
Additional Voluntary Life and AD&D
Voluntary Spousal Life/Child Life
Whole Life Products
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Harsco provides Basic Life Coverage with multiple Voluntary "Buy-Up" options.
SECURITY FOR THE UNEXPECTED
Disability programs get you through tough times.
Life’s Full of Surprises
Short Term Disability
Long Term Disability
Disability Insurance
When 6 months is not enough
• Provides income replacement • May require a 4-7 day waiting period • Lasts for up to 26 weeks
• Trips and falls • Unexpected illness • New babies • Long recoveries
Becoming Retirement ready
Enviri provides a 401(k) with matching contributions to help you prepare for retirement
• If you are a new employee, you are auto enrolled at 3% in the 401(k). • Each January 1st, your employee contribution increases by 1% until you are eligible for and receiving the full Harsco Match. • You can change or stop your contribution; or opt out of the auto increase program at any time by calling Principal Financial Group at 1-800-547-7754. • Deferral and Investment allocation changes can be made at any time. • The IRS sets contribution limits each year - visit www.irs.gov, or check in with Principal for this year's limits. If you are age 50 or older by the end of the calendar year, you may also qualify to make additional "Catch-up" contributions. Catch-Up deferrals must be elected at www.Principal.com.
Complement your health insurance to help you pay for the costs associated with a hospital stay
Employee Assistance Program (EAP)
LifeWorks offers support with mental, financial, physical and emotional well-being. Whether you have questions about handling stress at work and home, parenting and child care, managing money, or health issues, you can turn to LifeWorks for a confidential service that you can trust.
Worldwide Travel Assistance
Immediate Attention For Emergencies While Traveling
While traveling more than 100 miles from home you may access Travel Assistance services 24/7 by calling the toll-free number for immediate help from a travel assistance professional.
Services available for business and personal travel.
For inquiries within the U.S. call toll free:
1-800-856-9947
Outside the U.S. call collect:
312-935-3658
• Telephonic translation and interpreter services – 24/7 access to telephone translation services • Locating legal services – referrals for local attorney or consular offices and help maintain business and family communications until legal counsel is retained (includes coordination of financial assistance for bonds/bail) • Baggage – assistance with lost, stolen or delayed baggage while traveling on a common carrier • Emergency payment and cash – assistance with advance of funds for medical expenses or other travel emergencies by coordinating with your credit card company, bank, employer, or other sources of credit; includes arrangements for emergency cash from a friend, family member, business or credit card • Emergency messages – assistance with recording and retrieving messages between you, your family and/or business associates at any time • Document replacement – coordination of credit card, airline ticket or other documentation replacement • Vehicle return – if evacuation or repatriation is necessary, return your unattended vehicle to the car rental company
Emergency Travel Support Services
Travel Assistance can help you avoid unexpected bumps in the road anywhere in the world. For you, your spouse and dependent children on any single trip, up to 120 days in length, more than 100 miles from home. Minimize travel hassles by calling us pre-departure for: • Information regarding passport, visa or other required documentation for foreign travel • Travel, health advisories and inoculation requirements for foreign countries • Domestic and international weather forecasts • Daily foreign currency exchange rates • Consulate and embassy locations
Identity Theft Assistance
Access ID Theft Assistance services by calling AXA Assistance toll-free at (800) 856-9947.
Identity Theft Assistance, provided by AXA Assistance, helps you and your dependents understand the risks of identity theft, learn how to prevent it, and most importantly, assist you if your information is compromised.
We help you understand the growing threat of identity theft by: • Promoting awareness of identity theft • Answering your questions about identity theft and how to recognize if you’ve become a victim • Educating you on how to avoid having your identity stolen
Awareness and Education
If your identity is compromised, the most important thing to do is respond quickly. We assist you by: • Connecting you to the fraud departments at your bank(s) and credit card companies • Facilitating access to credit bureaus and obtaining a complimentary credit report • Guiding you in contacting federal government and local law enforcement agencies and filing reports and complaints
Recovery Assistance
Life can be complicated. Get help with all of life’s questions, issues and concerns with LifeWorks. Any time, 24/7, 365 days a year.
Feel supported and connected with a confidential Employee Assistance Program and innovative well-being resource
Contact LifeWorks any time you need help with any of life’s concerns.
Call us : 877-510-0556 Llámanos : 888-732-9020 TTY : 800-999-3004
Visit : login.lifeworks.com User ID : Harsco Password : EAP
Call 877-759-7630 for assistance Mon - Fri 8am - 9pm ET or Saturday 9am - 2pm ET. You can also email Advocate@DirectPathHealth.com.
DirectPath Advocates supports you during Open Enrollment and with any benefits or health care concern throughout the year!
Advocacy & Transparency
I don't understand how my benefits work. Who can explain it in plain language?
DirectPath can explain how each benefit works, and what you can expect to pay out of pocket. They'll also offer options for saving money!
DirectPath will provide a cost comparison report showing up to three options. If you select a lower-cost option, not only will you save on your medical expenses, you will be rewarded with a percentage of the savings!
I have some medical procedures coming up. How can I save on costs?
DirectPath can connect you to additional support and programs specific to your needs.
I know there are multiple tools and programs available through the medical plan, but I’m not sure which is best for my situation.
DirectPath will find high-quality, in-network physicians in your area –and even set up an appointment.
I just moved, and I need help finding a doctor in my new city.
DirectPath will review the claim to determine whether it was coded incorrectly and begin the appeals process. They'll also carefully review all medical bills for errors and work to have corrections made.
Help! My claim was denied so what should I do?
DirectPath will explain the Qualifying Life Event process as well as benefit options available through the company and on the marketplace.
I turn 26 this year and need my own benefits. What’s the process?
DirectPath is completely confidential and provided as part of your benefits program at no cost!
Start by signing up or logging in at harsco.perkspot.com Access at work, home, or on the go and browse thousands of discounts! Keep an eye out for new featured discounts in your weekly email.
Discount program
Welcome to your Harsco Discount Program
This site describes the benefit plans available to you as an employee of Harsco. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This site is meant only to cover the major points of each plan or policy. Harsco reserves the right to amend, modify, or terminate any benefit plan and/or cancel or modify any contributions, plan design, benefits provision or plan without prior notification. If there is a conflict between the information on this site and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.
Benefit Contact Information
Claim: A request for payment that you, your doctor, a hospital or another health provider submits to your health insurer for covered items or services. Coinsurance: A percentage of the charge for medical care you must pay. If your plan’s coinsurance for a given service is 20%, the plan will pay 80%, and you’ll pay the rest. Coinsurance does not apply until your deductible is met in most cases. For example, if the plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your coinsurance payment of 20% would be $20. The plan pays the remaining $80. Consumer Driven Health Plan (CDHP): A plan that requires higher upfront, out-of-pocket spending than traditional insurance plans, but with significantly lower premium costs. CDHPs have an annual deductible of $1,400 or higher. You’ll pay 100% of the cost of prescriptions, doctor’s visits, emergency room, surgeries or outpatient procedures until you reach the deductible. When your deductible has been met you pay your co-insurance responsibility up to an out-of-pocket maximum. Preventive Services and some maintenance drugs are not subject to the deductible. Copay: A fixed fee for a covered service that a patient pays to a provider when enrolled in a PPO medical plan. For example, you may have a $40 copay each time you see your primary care physician. Deductible: The amount you owe for covered health care services before your health insurance plan begins to share in the cost. Health Savings Account (HSA): Allows you to set aside money tax-free to cover health expenses if you’ve enrolled in a CDHP. Unlike Flexible Spending Accounts, the funds in an HSA roll over from year-to-year if you don’t spend them and are fully portable. You and/or Harsco may contribute to the account. HSA accounts are governed by IRS guidelines. Network: The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. Out-of-Pocket Maximum: This is the maximum amount you could pay in a given year for medical expenses outside of your payroll contributions for medical care that is not reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copays for covered services. Services that aren’t covered by the plan do not count towards the out-of-pocket maximum. PCP (Primary Care Physician): A physician who directly provides or coordinates a range of health care services for a patient. PPO (Preferred Provider Organization): A type of health plan that contracts with medical providers to create a network of participating providers. You pay less out of pocket if you use providers that are in-network. Typically, higher monthly premiums are associated with a PPO. Preventive Services: Routine health care that includes screenings, annual physicals, and patient counseling to prevent illnesses, disease, or other health problems that are paid at 100% by the plan. These services are not included in the deductible amount. Premium: The amount that must be paid for your health insurance or plan. Your premium is only a portion of the actual plan cost. Harsco contributes the balance of the total cost of the plan. COBRA rates reflect the actual total cost of coverage plus 2%. Qualifying Life Event: A change in your life that can make you eligible for a Special Enrollment Period to adjust or change your health care coverage. Examples of some qualifying life events are changes in your family size (for example, if you marry, divorce, or have a baby). Because our premiums are pre-tax contributions changes can only be made with a Qualifying Life Event. Specialist: Some conditions require the care of a doctor with narrower but deeper skills than a PCP can offer (like a cardiologist, urologist, etc.).
Glossary of Terms
