Unlock Health Benefit Savings
Ancillary Benefits
Guaranteed Issue Plans
No Medical Questions to Qualify
Does Not Interfere With Other Coverages
To ensure you and your family have access to quality health coverage solutions, your benefit plan has been made available through the Breckpoint platform.
Custom-designed around the unique health and wellness needs of its members, your new benefits plan provides a variety of valuable coverage options.
You can choose to enroll in the plan or to decline coverage. To help you consider your options and make the best-informed decision, this guide provides an overview your benefit. A Summary of Benefits Coverage (SBC) can be found at evoleassociation.com.
Visit the Breckpoint Benefit Coverage Tool at breckpoint.com/benefits-bct.php to be informed of what services are covered and the copay if applicable, according to your plan.
EXPLORE OUR BENEFITS
Click the links below to view details.
Mental Health
TELETHERAPY
Feel Like Yourself Again
Employees have free access to online therapy service with HealthWallet. You can schedule up to 5 live 50-minute video or phone sessions per month, from wherever you’re most comfortable.
What We Treat
- Addiction
- Anxiety
- Depression
- Divorce
- Eating Disorders
- Grief/Loss
- Mood Swings
- Panic Attacks
- Relationships
- And More
SPEAK TO A THERAPIST FOR FREE
DOWNLOAD THE APP
Scan the QR code or visit gethealthwallet.com and download the HealthWallet App to your mobile device.
REGISTER
Open the app and register by selecting “Member ID”.
Enter your Member ID and Date of Birth (DOB).
ACCESS AND SCHEDULE APPOINTMENTS
After registering, log in to access your health services and schedule an appointment through the app.
DENTAL & VISION REIMBURSEMENT PLAN
Dental+Vision is a direct reimbursement combination plan that pays for dental and vision expenses. With no waiting period, the tiered reimbursement structure begins at the first dollar and allows you to maximize your potential benefits. Choose to go to any dentist or vision specialist and receive any medically necessary procedure.
| Benefit Information | ||||
|---|---|---|---|---|
|
Network |
|
Not applicable |
|
|
|
Max Benefit Reimbursement |
|
$1,000
|
|
|
|
Waiting Period |
|
No waiting period |
|
|
| Procedure Cost | Reimbursement | |
|---|---|---|
|
UP TO $150.00 |
|
100% |
|
$151.01 – $250.00 |
|
75%
|
|
$251.01 – $1,800.00 |
|
50% |
|
$1,801.01 – up |
|
0% |
Benefits for Dental and Vision are combined.
*Benefit is based on an aggregate total of accumulated expenses per Covered Person during the calendar year.
| DENTAL BENEFITS | PLAN PAYS | |
|---|---|---|
|
Dental Class I – Preventive & Diagnostic Care |
Oral Exams, Routine Cleanings, Full Mouth X-Rays, Bitewing X-Ray, Panoramic X-Ray, Fluoride Application, Sealants, Histopathologic Exams |
At Current Reimbursement Level |
|
Dental Class II – Basic Restorative Care |
Fillings, Periapical X-rays, Anesthetics, Space Maintainers, Emergency Care to Relieve Pain, Root Canal Therapy/Endodontics, Periodontal Scaling and Root Planing, Oral Surgery – Simple Extractions, Oral Surgery – all except simple Extractions, Surgical Extractions of Impacted Teeth |
At Current Reimbursement Level
|
|
Dental Class III – Major Restorative Care |
Crowns, Dentures, Bridges, Inlays/Onlays, Prosthesis Over Implant, Repairs to Bridges, Crowns and Inlays, Denture Adjustments and Repairs |
At Current Reimbursement Level
|
|
Dental Class IV-Orthodontia (dependents under 19) |
|
$500 Lifetime Maximum
of Covered Charges |
| VISION BENEFITS | PLAN PAYS | |
|---|---|---|
|
Dental Class I – Preventive & Diagnostic Care |
Routine Examination Services, Lenses – including, single, bifocal or trifocal, Contact Lens, Frames |
At Current Reimbursement Level |
| DENTAL PROCEDURE | LIMITATIONS | |
|---|---|---|
|
Exams |
|
Two per calendar year |
|
Sealants |
|
One treatment per tooth every three years up to age 14 |
|
Floride |
|
1 per calendar year for people under 20 |
|
X-Rays (routine) |
|
Bitewings: 2 per calendar year |
|
X-Rays (non-routine) |
|
Full mouth: 1 every 36 consecutive
months., Panorex: 1 every 36 consecutive
months |
|
Crowns & Inlays |
|
Crowns & Inlays Replacement every 5 years |
|
Bridges |
|
Replacement every 5 years |
|
Dentures & Partials |
|
Replacement every 5 years |
|
Surgeries (All) |
|
Limited to removal of teeth, preparation of the mouth for dentures and removal of tooth-generated cysts. |
| VISION PROCEDURE | LIMITATIONS | |
|---|---|---|
|
Complete Eye Exam |
|
One per calendar year |
|
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Dental + Vision Benefit Exclusions:
- Care, treatment or supplies for which a charge was incurred before a person was covered under this Plan.
- Services that are deemed to be medical services.
- Services and supplies received from a hospital.
- Charges which the person is not legally required to pay.
- Charges made by a hospital which performs services for the
- U.S. Government if the charges are directly related to a condition connected to a military service.
- Experimental or investigational procedures and treatments.
- Any injury resulting from, or in the course of, any employment for wage or profit.
- Any sickness covered under any workers’ compensation or similar law.
- Charges in excess of the reasonable and customary allowances.
- To the extent that payment is unlawful where the person resides when the expenses are incurred;
- For charges which would not have been made if the person had no insurance;
- For charges for unnecessary care, treatment or surgery;
- To the extent that you or any of your Dependents is in any way paid or entitled to payment for those expenses by or through a public program, other than Medicaid;
- To the extent that benefits are paid or payable for those expenses under the mandatory part of any auto insurance policy written to comply with a “no-fault” insurance law or an uninsured motorist insurance law.
- In addition, these benefits will be reduced so that the total payment will not be more than 100% of the charge made for the Dental Service if benefits are provided for that service under this plan and any medical expense plan or prepaid treatment program sponsored or made available by your Employer.
Dental Specific Benefit Exclusions:
- Services performed primarily for cosmetic reasons.
- Replacement of a lost or stolen appliance.
- Replacement of a bridge or denture within five years following the
date of its original installation. - Replacement of a bridge or denture which can be made useable
according to accepted dental standards. - Procedures, appliances or restorations, other than full dentures,
whose main purpose is to change vertical dimension, diagnose or
treat conditions of TMJ, stabilize periodontally involved teeth, or
restore occlusion. - Veneers of porcelain or acrylic materials on crowns or pontics on or
replacing the upper and lower first, second and third molars. - Bite registrations; precision or semi-precision attachments; splinting.
- Instruction for plaque control, oral hygiene and diet.
- Dental services that do not meet common dental standards.
- Procedures performed by a Dentist who is a member of the covered
person’s family (covered person’s family is limited to a spouse,
siblings, parents, children, grandparents, and the spouse’s siblings
and parents)
Vision Specific Benefit Exclusions:
- Artificial eyes, if medically necessary, are covered under the Medical
Plan. - Charges for orthoptics (eye muscle exercises) vision training or
surgical treatment of the eye. - Charges for Radial keratotomy or other eye surgery for improvement
of visual acuity or refractive disorders. Also, routine eye
examinations, including refractions, lenses for the eyes and exams
for their fitting.
This benefit summary highlights some of the benefits available under
Plan Document and Summary Plan Description.
Protection Pack
DIGITALGUARD COMPLETE
Powered by Aura
- Aura DigitalGuard protects employees from identity theft, financial fraud, and other types of online crime.
- A dedicated Case Manager is available 24/7/365 to resolve any issues if they arise.
- Provides near-real time fraud alerts and prevents criminal damages
from fraud. - Keeps their online accounts, passwords, and identity secure.
- Secures their internet connection and devices.
- Offers personalized support and $5M in ID theft insurance.
- Available for individual protection or for families.
Make the Internet A Safer Place
with Identity, Finance, and Device Protection
How Aura DigitalGuard Works
- Protects employees from identity theft, financial fraud, and other types of online crime
- A dedicated Case Manager is available 24/7/365 to resolve any issues if they arise
- Provides near-real-time fraud alerts and prevents criminal damages from fraud
- Keeps their online accounts, passwords, and identity secure
- Secures their internet connection and devices theft insurance*
- Available for individual protection or families**
Around 15 million Americans have their identity stolen every year
An employee who is trying to
manage their identity theft issue
alone is likely to be overwhelmed
by stress, unable to focus at work, and take more time off work.
The average ID theft incident can take 100 hours or more to resolve
Help reduce the severity of fraud
and provide expert services to
repair stolen identities, keeping
employees safe and productive
At Least 20% of employees spend more than five hours per week
at work thinking about their stressors
Employees can easily access the
benefit through the My Benefits
Work mobile app and
MyBenefitsWork.com
FINANCIAL
WELLNESS
Powered by AskAFS
- Financial Wellness guides employees through the major financial changes they’ll face throughout life.
- Accredited or Certified Financial Counselors are accessible by phone to assess issues, discuss options, and help employees determine the best course of action for their situation.
- The Online Financial Resource Center provides a variety vetted articles, videos, worksheets, checklists, and more.
LEGAL
SERVICES
Powered by AskAFS
- Attorneys help with traffic tickets, bankruptcy, divorce, spousal and child support.
- Providing access to discounted and free legal services ensures employees get the help they need at a faster rate and lower cost.
- Free Services included one-on-one consultations, attorney-made phone calls, help with legal documents, representation in small claims court, and much more.
PET CARE
SAVINGS
Powered by Pet Assure
- Employees save 25%on in-house medical services at participating veterinarians.
- Employees save 25% off most purchases from PetCareRx.com.
- 24/7 Lost Pet Recovery Service, with pet tags for each enrolled pet.
- Pet owners enjoy 35% off PinPaws membership with GPS-enabled lost pet notification system.
- Search for a vet provider in your area here.
FINANCIAL WELLNESS
Powered by AskAFS
Reduce Employee Stress with Financial Advice.
- Financial wellness has been defined as anything between financial security and financial freedom, including being debt free or having enough savings to handle unexpected expenses
- Easy access to expert guidance and advice can help employees manage their financial burdens and improve their productivity
- Employees can access the benefit through the My Benefits Work mobile app and MyBenefitsWorks.com
How Financial Wellness Works
Financial Wellness guides employees through the major financial changes they’ll face throughout life, from paying for college to buying a home to navigating the loss of a spouse
Accredited or Certified Financial Counselors are accessible by phone to assess issues, discuss options, and help employees determine the best course of action for their situation
The Online Financial Resource Center does the heavy lifting for research, providing a variety of vetted articles, videos, worksheets, checklists, and more to guide the employee’s financial wellness journey
LEGAL SERVICES
Powered by Legal Club of America
7 in 10 households face a legal issue every year
Providing access to discounted
legal services ensures employees
get the help they need at a faster
rate and a lower cost
Employees without a lawyer are three times more likely to use work
time to handle their legal problem
Quick, affordable access to legal assistance helps reduce
employee stress boost
productivity, and improve morale
71% of employees
facing legal issues are
stressed about not
knowing where to turn
Employees can easily access the
benefit through the My Benefits
Work mobile app and
MyBenefitsWork.com
How Legal Services Work
- Attorneys help with traffic tickets, bankruptcy, divorce, spousal and child support
- Free services* include one-on-one consultations, attorney-made phone calls, help with legal documents, assistance with welfare and INS, representation in small claims court, and a Simple and Living Will
- Attorneys only charge $125 an hour or 40% off their hourly rate, whichever is greater
- Members are referred to plan attorneys based on location, language, and area of law
- Members receive 10% off all contingency-based cases
*In certain situations, attorney liability may require plan attorneys to ask for a retainer prior to providing some of the free legal services.
Pet Care
How Pet Care Works
- Employees take 25% off purchases from services at participating veterinarians
- Employees save 25% on all in-house medical PetCareRx.com, including prescriptions, preventatives, toys, and supplies
- 24/7 Lost Pet Recovery Service, with pet tags for each enrolled pet
- Pet oweners enjoy 35% of Pin Paws membership with GPS-enabled lost pet notification system
- Search for a vet provider in your area here.
Employees save 25%
on veterinary services
and prescriptions
Employees can keep their pets
happy and healthy with discounts
on veterinary services,
prescription medications and
foods, toys, treats, and more
"68% of American households have at east one pet
The comfort of a pet positively
impacts mental wellness, so pet
care can help employees be
happier, healthier, and more
productive at work
Spending on pets
exceeds $72 billion
per year
Employees can easily access the
benefit through the My Benefits
Work mobile app and
MyBenefitsWork.com