Benefits
We strive to reward our employees for their outstanding work, and offer benefits to promote their professional, personal, and financial well-being.
Your Medical Benefits
MEI provides a medical plan through UMR. UMR is a third-party administrator, which means they process our claims and provide members access to United Healthcare’s network of providers and facilities. UMR is owned by United Healthcare but operates separately. The plan provides the highest level of coverage when you visit doctors and hospitals that are part of the UnitedHealthcare Choice Plus network.
Effective 2/1/2023 – 1/31/2024
Eligibility:
MEI employees are eligible for medical coverage in accordance with the Affordable Care Act, as follows:
- If you are expected to average 30 or more hours per week, you may enroll in the health plan on the first day of the month that falls on or after your 60th day of employment.
- If it is not expected (or it is uncertain) that you will average 30 or more hours per week, we will measure your hours over the first 5 months of employment. This is called your initial measurement period. If you average 30 or more hours per week during this time, you will be eligible to enroll for a corresponding 6‐month initial stability period.
- Thereafter, MEI monitors eligibility every six months. In general, employees that average 30 or more hours per week in a 6‐month measurement period are eligible for a corresponding 6‐month stability period.
If you are enrolled in medical coverage, you may also enroll the following family members:
- Your lawful spouse/DPs only if they do not have access to their own employer-sponsored medical and dental insurance.
- You or your spouse/SRDP’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption, or a child for whom you or your spouse are the legal guardian (foster children are not eligible).
- You or your spouse/SRDP’s unmarried child age 26 or over who is or becomes disabled and dependent upon you.
Importantly, enrolling an ineligible dependent on a MEI medical plan is considered fraud and theft, and may be grounds for termination of employment.
For all other insurance plans including dental, vision, life, long term disability and short term disability, employees must work a minimum of 40 hours per week to be eligible to participate.
Additional Information
Contribution Schedule
Helpful Resources
UMR
Phone: (800) 826-9781
www.umr.com
Group # 76-413976
To find an in-network provider on the UMR website:
- Click on “Find a Provider”
- Click on “Medical”
- Click on “UnitedHealthcare Choice Plus”
- Click “To access the UnitedHealthcare Provider Search Application”
Your Prescription Drugs Benefits
When you enroll in the medical plan, you also receive coverage for prescription drugs through Pharmacy Benefit Dimensions. The prescription drug plan gives you coverage for a wide range of prescriptions, as well as access to prescription discounts.
- Your lawful spouse/DPs only if they do not have access to their own employer-sponsored medical and dental insurance.
- You or your spouse/SRDP’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption, or a child for whom you or your spouse are the legal guardian (foster children are not eligible).
- You or your spouse/SRDP’s unmarried child age 26 or over who is or becomes disabled and dependent upon you.
Effective 2/1/2023 – 1/31/2024
Contribution Schedule
Helpful Resources
Pharmacy Benefit Dimensions
Phone: (888) 878-9172
www.pbdrx.com
Your Dental Benefits
Molecular Epidemiology, Inc. offers you dental benefits through Delta Dental. You may seek care from any licensed provider, however, there is no deductible if you a see a Delta Dental PPO Dentist.
Effective 2/1/2023 – 1/31/2024
Eligibility:
You are eligible for benefits on the first of the month coinciding with or following 60 days of full-time employment. You must work a minimum of 40 hours per week to be considered full-time. If you are eligible for coverage you can also enroll your eligible dependents. An eligible dependent is considered to be:
* Working spouses/DPs who have access to their own employer-sponsored health plan coverage will no longer be eligible under the medical and dental plans.
- Your lawful spouse/DPs only if they do not have access to their own employer-sponsored medical and dental insurance.
- You or your spouse/SRDP’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption, or a child for whom you or your spouse are the legal guardian (foster children are not eligible).
- You or your spouse/SRDP’s unmarried child age 26 or over who is or becomes disabled and dependent upon you.
Foster children are not considered eligible for coverage. If you cover someone on the MEI benefit plan who is not an eligible dependent, this is considered fraud and theft, and may be grounds for termination of employment.
Additional Information
Contribution Schedule
Helpful Resources
Your Vision Benefits
Molecular Epidemiology, Inc. offers vision benefits through Vision Service Providers (VSP). You will receive higher benefits if you see an in-network provider.
Effective 2/1/2023 – 1/31/2024
Eligibility:
You are eligible for benefits on the first of the month coinciding with or following 60 days of full-time employment. You must work a minimum of 40 hours per week to be considered full-time. If you are eligible for coverage you can also enroll your eligible dependents. An eligible dependent is considered to be:
* Your lawful spouse/DPs
* You or your spouse’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption, or a child for whom you or your spouse are the legal guardian; or
* You or your spouse’s unmarried child age 26 or over who is or becomes disabled and dependent upon you.
Foster children are not considered eligible for coverage. If you cover someone on the MEI benefit plan who is not an eligible dependent, this is considered fraud and theft, and may be grounds for termination of employment.
Contribution Schedule
Helpful Resources
Your Life and Disability Benefits
Molecular Epidemiology, Inc. provides Basic Life / Accidental Death and Dismemberment (AD&D) and Long Term Disability insurance to all employees through The Hartford. These benefits are provided at no cost to you.
Molecular Epidemiology, Inc. also offers you the opportunity to purchase Voluntary Short Term Disability (STD) insurance and Supplemental Life/AD&D insurance. Voluntary STD is just for you, but you can purchase Supplemental Life/AD&D insurance for yourself, your spouse/domestic partner, and children.
Effective 2/1/2023 – 1/31/2024
Eligibility:
You are eligible for benefits on the first of the month coinciding with or following 60 days of full-time employment. You must work a minimum of 40 hours per week to be considered full-time. If you are eligible for coverage you can also enroll your eligible dependents. An eligible dependent is considered to be:
* Your lawful spouse/DPs
* You or your spouse’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption, or a child for whom you or your spouse are the legal guardian; or
* You or your spouse’s unmarried child age 26 or over who is or becomes disabled and dependent upon you.
Foster children are not considered eligible for coverage. If you cover someone on the MEI benefit plan who is not an eligible dependent, this is considered fraud and theft, and may be grounds for termination of employment.
Additional Plan Information
Contribution Schedule
Life/AD&D and Long Term Disability insurance is provided at no cost to you.
Molecular Epidemiology, Inc. pays 100% of the premium.
The rates for the Voluntary STD and Supplemental Life/AD&D are listed in the Enrollment Guide.
Helpful Resources
The Hartford
Life and Disability Benefits
Group # 877501
For STD claims: 1-866-945-7801
Your Flexible Spending Account Benefits
Effective 2/1/2023 – 1/31/2024
Molecular Epidemiology sponsors a Flexible Spending Account (FSA) through Navia Benefit Solutions. An FSA allows you to pay for eligible health care and dependent care expenses with pre-tax dollars. We offer three FSA options:
1 ) General Purpose Health Care FSA* – covers medical, prescription drug, and dental expenses.
2 ) Dependent Care FSA– covers day care expenses for dependent children under age 13 or adult dependents (such as your parent or spouse) who are physically or mentally incapable of self-care. Dependent care expenses are for services that allow you to work, attend school full-time or look for work.
*The IRS does not allow enrollment in both a Health Savings Account (HSA) and a General Purpose Health Care FSA. We are offering a Limited Purpose Health Care FSA which will allow you to set aside additional money pre-tax for your out-of-pocket dental and vision expenses. You are not allowed to run your medical or prescription drug expenses through the Limited Purpose Health Care FSA.
Eligibility:
You are eligible for benefits on the first of the month coinciding with or following 60 days of full-time employment. You must work a minimum of 40 hours per week to be considered full-time. If you are eligible for coverage you can also enroll your eligible dependents. An eligible dependent is considered to be:
* Your lawful spouse/DPs
* You or your spouse’s child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption, or a child for whom you or your spouse are the legal guardian; or
* You or your spouse’s unmarried child age 26 or over who is or becomes disabled and dependent upon you.
Foster children are not considered eligible for coverage. If you cover someone on the MEI benefit plan who is not an eligible dependent, this is considered fraud and theft, and may be grounds for termination of employment.
Additional Plan Information
Contribution Schedule
Please note that the IRS does not allow enrollment in both a Health Savings Account (HSA) and a General Purpose Health Care FSA.
Helpful Resources
Navia Benefit Solutions
Phone:
www.naviabenefits.com
Your Retirement Benefits
Helpful Resources
TransAmerica Retirement Services
www.transamerica.com