Medical – HFT Employee Benefits (2024)

The Anthem Blue Cross High Deductible PPO plan gives you the freedom to seek care from the provider of your choice. You will maximize your benefits and reduce your out-of-pocket costs if you choose a provider who participates in the Anthem Blue Cross network.

With this plan, you are able to open a health savings account (HSA), which allows you to save pre-tax* dollars to help pay for qualified health care expenses like medical care, prescription drugs, and dental and vision care.

As part of our commitment to be The Best Place To Work, HFT will automatically enroll you and your dependents into the accident insurance and hospital indemnity plan for free! Please visit the sections on accident insuranceand hospital indemnity to learn more and how to claim a $75 wellness credit.

Here’s how the High Deductible PPO works:

Deductible

• You must meet the plan’s deductible before if begins to pay for most medical care and prescription drugs
• If you enroll family members, one or more members must meet the fullfamily deductible before the plan begins to pay for any individual
• In-network preventive care and some generic preventive medications are fully covered without having to meet the deductible

Coinsurance

• Once you meet the plan’s deductible, you are responsible to pay a percentage of your medical expenses, called coinsurance

Out-of-Pocket Maximum

• Once your out-of-pocket costs (deductible + coinsurance) meet the plan’s out-of-pocket maximum, it will pay 100% for all covered services for the rest of the plan year
• If you enroll family members, one or more members must meet the fullfamily out-of-pocket maximum before the plan pays at 100% for any individual

Health Savings Account (HSA)

• Set aside pre-tax* dollars through payroll deductions to help pay your deductible, coinsurance, and any other out-of-pocket health care costs
• To help you save, Harbor Freight Tools also contributes to your account:
  • You contribute at least $5 per paycheck: Harbor Freight Tools annual contribution of $500 employee / $1,000 family
  • You don’t contribute your own funds: Harbor Freight Tools annual contribution of $250 employee / $500 family
• All Associate and company contributions are prorated over 24 pay periods each year (52 pay periods for Associates in New York and Rhode Island)
• To be eligible to participate in an HSA, you must:
  • Be covered by an HSA-compatible high-deductible health plan, and no other plan (including Medicare or TRICARE)
  • Not be claimed as a dependent on another person’s tax return (not including your spouse)

The guidelines for contribution maximums are set by the IRS each year. The maximum amount that can be contributed into an HSA (including Harbor Freight’s contribution) is outlined in the table below:

*Refers to federal taxes. State taxation rules vary.

The Anthem Blue Cross PPO plan gives you the freedom to seek care from the provider of your choice. You will maximize your benefits if you choose a provider who participates in the Anthem Blue Cross network.

Your in-network physicians will submit claims for you. If you receive treatment from an out-of-network physician, they may require you to pay the entire amount at the time of service and submit a claim for reimbursem*nt.

The calendar year deductible must be met before certain services are covered.

With the Anthem Blue Cross HMO plan, you select a primary care physician (PCP) from the participating network of providers, who will coordinate your health care needs, including referrals to specialists and approving further medical treatment. Services received outside of the HMO network are not covered, except in the case of emergency medical care.

With the Select HMO plan, you will still receive the same high quality care as the Full HMO. Like the Full HMO, you still must select a primary care physician (PCP); however, this plan has a slightly more limited network of providers, which means you will pay less for your medical care!

As part of Harbor Freights commitment to be The Best Place To Work, if you enroll in the Anthem Blue Cross Select HMO plan you and your dependents will be automatically enrolled in the Accident Insurance plan for free! Visit the accident insurance plan page to learn more and how to claim a $75 wellness credit.

We are excited to introduce to you our new Kaiser HMO medical plan for California Associates. You must be located within 30 miles of a Kaiser facility to enroll in this plan. Kaiser is one of America’s leading health care providers and nonprofit health plans. They provide high quality, affordable health care services and help improve the health of members and communities they serve. They are connected teams of experts that collaborate across departments and specialties for faster diagnosis, treatment, and recovery.

Convenient ways of quality care:

• Video or phone appointments (Telehealth)
• In-person care
• Prescription delivery through the Kaiser app
• 24/7 nurse advice
• E-visit: online symptom checker
• Urgent care available away from home
• Wellness resources such as reduced rates on acupuncture, chiropractic care, gym memberships, healthy lifestyle programs, and free wellness coaching

Watch this short video or check out HFT’s dedicated Kaiser site to learn more and to see an interactive virtual facility tour.

Anthem

Register atwww.anthem.comwith the ID number on your card. The first three letters will let you know which doctors are in-network.

• HMO: BlueCross HMO (CACare) – Large Group
• Select HMO: Select HMO
• PPO and High-Deductible PPO (in and out of CA): National PPO (BlueCard PPO)

2024 Update: If you’re enrolled in an Anthem medical plan and live in FL, GA, VA, MO, WI, NJ, or Washington DC, there will be some slight changes to the provider network. To confirm your provider or a find a new one, search using these network names:

• FL – NetworkBlue
• GA – Blue Open Access POS
• VA – HealthKeepers
• MO – Blue Access Choice PPO
• WI – Blue Preferred POS
• NJ – Managed Care Network
• DC – BlueChoice (CareFirst BCBS)

Kaiser (CA)

Visit kp.org or call (800) 464-4000.

For most Associates, the 2024 plan year has 26 pay periods; however, only 24 paychecks will have deductions for Associate benefit contributions. Associates in New York and Rhode Island will be paid on a weekly basis. To calculate your weekly deduction, multiply the premiums by 24, then divide by 52.

California

Outside California

With Sydney, you can find everything you need to know about your Anthem benefits — personalized and all in one place. Sydney makes it easier to get things done, so you can spend more time focused on your health. It’s simple, smart and personal.

Download it to your mobile device to check your benefits, find care, estimate costs, view claims and more. Other features include:

• Find Care & Cost: Find health services from doctors, hospitals, labs and other health care providers in your plan. Get 24/7 live virtual care for as little as $0 in addition to FREE virtual text visits with doctors anytime, anywhere.
• Chat With a Doctor 24/7: Immediate care based on your symptoms, including one-time prescription refills and lab orders.
• Symptom Checker: Answer a few questions about how you are feeling, and you’ll receive information and advice tailored to your gender, age and medical history. Get an instant idea of what’s wrong by viewing how others like you were diagnosed.
• ID Card: View your plan information, including ID number, plan networks, and any medication lists.
• Discounts: View member exclusive offers.
• View Specialized Health Programs Under My Health Dashboard: This includes Building Healthy Families, ConditionCare, Autism Spectrum Disorder Program and more.

Download the app:

Sydney Virtual Care Flyer