Health
Medical
Through the High-Deductible Medical Plan and the Preventive Care Plus Plan, you can choose the level of coverage that’s right for you and your family. Each plan has unique features to consider:
Medical Plan Features
| COVERAGE | ELIGIBLE DEPENDENTS | |
| High-Deductible Medical Plan* Comprehensive medical and prescription drug coverage, EAP and telemedicine | • Provides 100% coverage for non-preventive, in-network services after the deductible is met • Provides 100% in-network coverage for all ACA-required preventive services • Includes prescription drug coverage • Access to the national Cigna PPO Network • Includes telemedicine services and employee assistance program (EAP) | • Spouse or domestic partner • Children |
| Preventive Care Plus Plan Preventive care, prescription drug, EAP and telemedicine coverage only | • Provides 100% in-network coverage for all ACA-required preventive services • Includes some generic prescription drug coverage • No coverage for non-preventive services, such as emergency room care, hospital stays or non-preventive doctor’s office visits • Includes telemedicine services and an employee assistance program (EAP) | • Spouse or domestic partner • Children |
*You are eligible for the High-Deductible Medical Plan if you have worked for Robert Half an average of 30 hours per week for 12 consecutive months. The Affordable Care Act (ACA) allows an administrative period for Robert Half to determine and make an offer to their eligible employees. Robert Half uses this administrative period to process your information and notify you. This means that you will not hear from Robert Half on the exact day you reach 12 consecutive months of work. If you are determined to be eligible, you will be notified after the administrative period ends.
Important Reminder
As of January 1, 2019, the tax penalty for the individual mandate under the Patient Protection and Affordable Care Act (ACA) has been eliminated. However, certain states may require residents to have coverage or pay a penalty. Please check with your state for more information.
As part of the Consolidated Appropriations Act of 2021, The American Worker must be transparent regarding the billing rates of covered medical items and services of in-networks providers (e.g., doctors and hospitals) and out-of-network historical payments. This information can be found at https://fbg.com/claims-login.
High-Deductible Medical Plan
High-Deductible Medical Plan
The High-Deductible Medical Plan provides comprehensive medical coverage through Cigna. With the High-Deductible Medical Plan, you will pay the cost of non-preventive services until you meet the deductible, then the plan pays 100 percent in-network. This plan does not require you to use Cigna network providers; however, you will receive substantial discounts by utilizing doctors within their network. Visit myCigna.com to find providers in the Cigna PPO Network.
Prescription drug coverage is provided through CerpassRx. When you use in-network pharmacies, prescriptions are paid at 100 percent after you meet the deductible. There are more than 63,000 in-network pharmacies nationwide, including almost all chain and independent pharmacies. Prescriptions are not covered at out-of-network pharmacies. To find a pharmacy, call 1.855.495.1192.
Please note: You and Robert Half share your coverage costs. You pay the full cost of coverage for your dependents. Your payments for coverage, including your payroll deductions, are made on an after-tax basis.
The following chart provides a brief overview of coverage under the High-Deductible Medical Plan:
| BENEFITS | IN-NETWORK | OUT-OF-NETWORK |
| DEDUCTIBLE | ||
| Individual | $6,000 | $10,000 |
| Family | $12,000 | $20,000 |
| OUT-OF-POCKET MAXIMUM | ||
| Individual | $6,000 | $11,000 |
| Family | $12,000 | $22,000 |
| PREVENTIVE CARE | Covered at 100% | Covered at 90% after deductible |
| OFFICE VISIT | ||
| Primary Care Physician Specialist | Covered at 100% after deductible Covered at 100% after deductible | Covered at 90% after deductible Covered at 90% after deductible |
| EMERGENCY ROOM BENEFIT | Covered at 100% after deductible | Covered at 100% after the in-network deductible |
| INPATIENT HOSPITAL | Covered at 100% after deductible | Covered at 90% after deductible |
| DIAGNOSTIC TESTING (includes CT, MRI and PET scans) | Covered at 100% after deductible | Covered at 90% after deductible |
| ORGAN TRANSPLANT | Covered at 100% after deductible | Not covered |
| MENTAL DISORDERS & SUBSTANCE ABUSE | Covered at 100% after deductible | Covered at 90% after deductible |
| MOST OTHER SERVICES | Covered at 100% after deductible | Covered at 90% after deductible |
| PRESCRIPTION DRUGS | ||
| Generic Preferred Brand Non-Preferred Brand Specialty | Covered at 100% after deductible Covered at 100% after deductible Covered at 100% after deductible Covered at 100% after deductible | Not covered Not covered Not covered Not covered |
| TELADOC | Teladoc gives you access to U.S. board-certified doctors 24/7 by phone, online or via your mobile device. For certain minor, non-preventive services, Teladoc doctors can diagnose, treat and prescribe medication, when necessary, for a variety of issues. Using Teladoc: ► You can access medical care from anywhere without taking time off work. ► You’ll hear back quickly, as the median call-back time is just 10 minutes. ► You’ll reduce your out-of-pocket expenses by avoiding an urgent care or emergency room visit. | |
| EMPLOYEE ASSISTANCE PROGRAM (EAP) | Plan members have access to the EAP through Magellan Health. ► You can access up to five free, one-on-one counseling sessions per issue and unlimited referrals for you and your household members. ► Confidential services include marriage or family counseling, parental guidance and child and eldercare. ► To access the EAP, visit magellanascend.com or call 1.800.327.9645. |
Please note: Due to state laws, not all products are available in all states. Residents of Massachusetts are advised that enrollment in the medical plans offered by Robert Half may not satisfy state health insurance requirements.
Preventive Care Plus Plan
Preventive Care Plus Plan
The Preventive Care Plus Plan, administered by The American Worker, provides preventive care services that meet the ACA’s requirements for minimum essential coverage. The plan covers preventive care services at 100 percent when you use an in-network provider. The plan does not include coverage for non-preventive services, such as emergency room care, hospital stays or non-preventive doctor’s office visits.
Below are additional features of the plan:
First Health Network: You must use in-network providers to receive care; services provided by out-of-network providers are not covered. Through First Health Network:
- You can access a network of more than 490,000 providers across the country by visiting firsthealthlbp.com.
- To simplify the process, your provider will submit claims for you.
Teladoc: Teladoc gives you access to U.S. board-certified doctors 24/7 by phone, online or via your mobile device.* For certain minor, non-preventive services, Teladoc doctors can diagnose, treat and prescribe medication, when necessary, for a variety of issues. Using Teladoc:
- You can access medical care from anywhere without taking time off work.
- You’ll hear back quickly, as the median call-back time is just 10 minutes.
- You’ll reduce your out-of-pocket expenses by avoiding an urgent care or emergency room visit.
Prescription Drug Coverage:
- Copays of $5, $10 or $15 are available for preferred generic drugs at in-network pharmacies (limited to the formulary drug list); there is no coverage at non-network pharmacies.
- You’ll receive a discount for non-preferred generic and brand-name drugs at in-network pharmacies.
- More than 63,000 in-network pharmacies nationwide, including almost all chain and independent pharmacies.
- For questions or to locate a pharmacy, call The American Worker at 1.855.495.1192.
Employee Assistance Program (EAP): Plan members have access to the EAP through Magellan Health.
- You can access up to five free, one-on-one counseling sessions per issue and unlimited referrals for you and your household members.
- Confidential services include marriage or family counseling, parental guidance and child and eldercare.
- To access the EAP, visit magellanhealth.com/member or call 1.800.327.9645.
*There are certain state requirements. In Arkansas and Delaware, an initial consultation must be done via video. In Idaho, consultations are only available via video.
Please note: Due to state laws, not all products are available in all states. Residents of Massachusetts are advised that enrollment in the medical plans offered by Robert Half may not satisfy state health insurance requirements.
© 2017 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulations and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.
Below is an overview of the Preventive Care Plus Plan.
The U.S. Preventive Services Task Force periodically updates the list of covered services and sets the requirements such as age, gender and/or health conditions for services to be covered. For a current list, visit healthcare.gov/preventive-care-benefits. Plan limitations and exclusions apply.
| SERVICES COVERED BY PREVENTIVE CARE PLUS | |
|---|---|
| All Adults | ► SCREENINGS: Abdominal aortic aneurysm, alcohol misuse, blood pressure, cholesterol, colorectal cancer, depression, diabetes (type 2), hepatitis B, hepatitis C, HIV, lung cancer, obesity, syphilis, tobacco use ► COUNSELING: Alcohol misuse, diet, obesity, sexually transmitted infection prevention, tobacco use ► IMMUNIZATIONS: Diphtheria, hepatitis A, hepatitis B, herpes zoster, human papillomavirus (HPV), influenza (flu shot), measles, meningococcal, mumps, pertussis, pneumococcal, rubella, tetanus, varicella (chickenpox) ► Other: Aspirin use to prevent cardiovascular disease |
| Women, Including Pregnant Women or Women Who May Become Pregnant | ► SCREENINGS: Anemia, breast cancer mammography, cervical cancer, chlamydia infection, domestic and interpersonal violence, gonorrhea, HIV, human papillomavirus (HPV), osteoporosis, Rh incompatibility, sexually transmitted infection, syphilis, tobacco use, urinary tract or other infections ► COUNSELING: Breast cancer chemoprevention, breast cancer genetic testing (BRCA), breastfeeding, contraception, domestic and interpersonal violence, gestational diabetes, HIV ► Other: Breastfeeding supplies for pregnant and nursing women, FDA-approved contraceptive methods, folic acid supplements, well-woman visits for recommended services |
| Children | ► SCREENINGS: Autism, blood pressure, cervical dysplasia, depression, developmental dyslipidemia, hearing, hematocrit or hemoglobin, hemoglobinopathies or sickle cell, hepatitis B, HIV, hypothyroidism, lead, obesity, phenylketonuria, sexually transmitted infection, tuberculin, vision ► ASSESSMENTS: Alcohol and drug use, behavioral, oral health risk ► COUNSELING: Obesity, sexually transmitted infection prevention ► IMMUNIZATIONS: Diphtheria, haemophilus influenza type B, hepatitis A, hepatitis B, human papillomavirus (HPV), inactivated poliovirus, influenza (flu shot), measles, meningococcal, pertussis, pneumococcal, rotavirus, tetanus, varicella (chickenpox) ► Other: Fluoride chemoprevention supplements, gonorrhea preventive medication for the eyes of newborns, height, weight and body mass index (BMI) measurements, iron supplements, medical history |
| Teladoc* | Teladoc gives you access to U.S. board-certified doctors 24/7 by phone, online or via your mobile device.* For certain minor, non-preventive services, Teladoc doctors can diagnose, treat and prescribe medication, when necessary, for a variety of issues. Using Teladoc: ► You can access medical care from anywhere without taking time off work. ► You’ll hear back quickly, as the median call-back time is just 10 minutes. ► You’ll reduce your out-of-pocket expenses by avoiding an urgent care or emergency room visit. |
| Prescription Drug Coverage | Copays of $5, $10 or $15 are available for preferred generic drugs at in-network pharmacies (limited to the formulary drug list); there is no coverage at non-network pharmacies. ► You’ll receive a discount for non-preferred generic and brand-name drugs at in-network pharmacies. ► More than 63,000 in-network pharmacies nationwide, including almost all chain and independent pharmacies. ► For questions or to locate a pharmacy, call The American Worker at 1.855.495.1192. |
Hawaii Benefit Plans
Group Hospital Indemnity Plans
The Group Hospital Indemnity Plans are supplemental options and are not designed to replace traditional medical plans. These plans do not meet the ACA’s requirements for minimum essential coverage and some states’ requirements that you have health insurance for your state.
| COVERAGE | ELIGIBLE DEPENDENTS | |
| Group Hospital Indemnity Plans Offers financial assistance for out-of-pocket expenses associated with an illness or hospitalization. | • Provide limited coverage for doctor’s office visits, diagnostic X-rays and lab work, hospital stays and surgical procedures • Pays in addition to other coverage you may have • No deductibles, copays, pre-existing condition limitations or waiting periods | • Spouse or domestic partner • Children |
The Group Hospital Indemnity Plans provide supplemental payments for health care expenses that your medical plan may not cover, including doctor’s office visits, diagnostic X-rays and lab work, hospital stays and surgical procedures. The plans pay in addition to other coverage you may have and can help cover out-of-pocket expenses, such as deductibles and coinsurance, when receiving medical treatment. The plans do not require you to stay in-network, so you can visit any provider you choose for services.
New Hampshire and Vermont residents are not eligible for the Group Hospital Indemnity Plans. Group Hospital Indemnity Plan benefits vary slightly for residents in the state of Washington. A schedule of benefits for Washington residents is available by calling 1.855.495.1192.
The following chart provides a brief overview of coverage under our three Group Hospital Indemnity Plan options:
| STANDARD | PREFERRED | ELITE | |
|---|---|---|---|
| DOCTOR’S OFFICE BENEFIT | Pays $60/day, 6 days/person/year | Pays $75/day, 6 days/person/year | Pays $100/day, 6 days/person/year |
| OUTPATIENT DIAGNOSTIC LAB | Pays $50/testing day, 3 days/person/year | Pays $75/testing day, 3 days/person/year | Pays $100/testing day, 3 days/person/year |
| OUTPATIENT DIAGNOSTIC X-RAY | Pays $100/testing day, 2 days/person/year | Pays $125/testing day, 3 days/person/year | Pays $200/testing day, 3 days/person/year |
| OUTPATIENT DIAGNOSTIC ADVANCED STUDIES | Not covered | Pays $200/testing day, 3 days/person/year | Pays $200/testing day, 3 days/person/year |
| PREVENTIVE CARE | Not covered | Not covered | Not covered |
| SURGICAL INDEMNITY | |||
| Daily Inpatient | Pays $500/day | Pays $1,500/day | Pays $3,000/day |
| Daily Inpatient Maximum | 1 day/person/year | 1 day/person/year | 1 day/person/year |
| Daily Outpatient | Pays $250 | Pays $750 | Pays $1,500 |
| Daily Outpatient Minor | Pays $50 | Pays $150 | Pays $300 |
| Outpatient Benefit Maximum | 1 day/person/year | 1 day/person/year | 1 day/person/year |
| ANESTHESIA | Pays 30% of surgical benefit | Pays 30% of surgical benefit | Pays 30% of surgical benefit |
| EMERGENCY ROOM SICKNESS | Pays $100/day, 2 days/person/year | Pays $150/day, 2 days/person/year | Pays $150/day, 2 days/person/year |
| INPATIENT ONLY SERVICES | |||
| DAILY IN-HOSPITAL INDEMNITY | Pays $100/day, 500-day lifetime maximum | Pays $300/day, 500-day lifetime maximum | Pays $500/day, 500-day lifetime maximum |
| HOSPITAL ADMISSION | Pays $500 lump sum/confinement | Pays $1,000 lump sum/confinement | Pays $2,000 lump sum/confinement |
| INTENSIVE CARE UNIT | Pays $200/day, 30 days/person/year | Pays $600/day, 30 days/person/year | Pays $1,000/day, 30 days/person/year |
| SUBSTANCE ABUSE | Pays $50/day, 30 days/person/year | Pays $150/day, 30 days/person/year | Pays $250/day, 30 days/person/year |
| MENTAL ILLNESS | Pays $50/day, 30 days/person/year | Pays $150/day, 30 days/person/year | Pays $250/day, 30 days/person/year |
| SKILLED NURSING | Pays $50/day, 60 days/person/stay | Pays $150/day, 60 days/person/stay | Pays $250/day, 60 days/person/stay |
The Group Hospital Indemnity Plans are underwritten by Nationwide Life Insurance Company.
San Francisco Employees Only
Dental
The Dental Plan covers preventive and diagnostic services at 100 percent with no waiting period, after the per-visit deductible. It also provides coverage for basic and major dental services after the per-visit deductible and satisfying the applicable waiting period. You can use any provider, but you will pay less when you use a provider in the plan’s network, as in-network providers offer discounted rates. To locate providers in your area, visit Ameritas.com and select “Find a Provider.” Then select “Dental,” click on “Network Provider” and choose the “Classic (PPO)” network.
The following chart provides a brief overview of coverage under the Dental Plan.
| CALENDAR-YEAR MAXIMUM | Up to $500/covered member/year | |
| DEDUCTIBLE | $20/visit | |
| COVERED SERVICES | WAITING PERIOD | COINSURANCE |
| PREVENTIVE & DIAGNOSTIC | None | Covered at 100% (U&C charges*) |
| Routine exams, cleanings, X-rays, etc. | ||
| BASIC TREATMENT | 3 months | Covered at 80% (U&C charges*) |
| Restorative amalgams and composites, endodontics, periodontics, extractions, etc. | ||
| MAJOR TREATMENT | 12 months | Covered at 50% (U&C charges*) |
| Onlays, crowns, prosthodontics, etc. |
*The amount paid for a dental service in a geographic area is based on what providers in the area usually charge for the same or similar dental service.
The Dental Plan is provided by Ameritas Life Insurance Corp.
Vision
The Vision Plan covers annual exams at 100 percent after you meet the $10 exam deductible. It also provides coverage for corrective eyewear, including lenses, frames and contacts. You can use any provider, but you will pay less when you use a VSP Choice Provider. To locate providers in your area, visit Ameritas.com and select “Find a Provider.” Then select “Vision: VSP,” click on “Look up VSP providers” and choose the “Choice” network.
The following chart provides a brief overview of coverage under the Vision Plan:
| DEDUCTIBLE | $10 exam, $25 eyeglass lenses or frames* | |
| COVERED SERVICES | VSP CHOICE NETWORK | OUT-OF-NETWORK |
| ANNUAL EYE EXAM | Covered in full | Up to $45 |
| LENSES (per pair) | ||
| Single Vision/Bifocal | Covered in full | Up to $30/Up to $50 |
| Trifocal/Lenticular | Covered in full | Up to $65/Up to $100 |
| CONTACTS | ||
| Fit and Follow-up Exams | 15% discount | No benefit |
| Elective | Up to $130 | Up to $105 |
| Medically Necessary | Covered in full | Up to $210 |
| FRAMES | $130** | Up to $70 |
| FREQUENCY | Based on date of service | |
| Exam/Lenses/Frames | 12 months/12 months/24 months |
*Deductible applies to a complete pair of glasses or frames, whichever is selected.
**The Costco allowance is the wholesale equivalent.
The Vision Plan is provided by Ameritas Life Insurance Corp.
