MEDICAL

United Healthcare
Your personalized website, myuhc.com®, features tools designed to help you:

• Find, price and save on care — you can save with Virtual Visits *and other tools.  You can save an average of 36%1 when you compare costs for providers and services 

• Get care from anywhere with Virtual Visits. A doctor can diagnose common conditions by phone or video 24/7

• Understand your benefits and the financial impact of care decisions

• Find tailored recommendations regarding providers, products and services. You can even generate an out-of-pocket estimate based on your specific health plan status

• Access claim details, plan balances and your health plan ID card quickly

• Follow through on clinical recommendations and access wellness programs

• Check your plan balances, and more 

Plan Information/Forms
Medical Plan SPD

If you have benefit questions, send them to psbenefits@clubcorp.com or call Benefits Department at 800.800.4615

24/7 VIRTUAL VISITS

Visit with a doctor 24/7 - whenever, wherever
With 24/7 Virtual Visits, you can connect to a doctor by phone or video¹ through myuhc.com® or the UnitedHealthcare® app. 

A convenient and faster way to get care? 
Doctors can treat a wide range of health conditions — including many of the same conditions as an emergency room (ER) or urgent care — and may even prescribe medications,² if needed.  With a UnitedHealthcare plan, your cost for a 24/7 Virtual Visit is usually $0.³ 

Plan Information/Forms
Medical Plan SPD

LEGAL NOTICES

SBC Complete Balance (English) - Click Here

SBC Complete Balance (Spanish) - Click Here

SBC Healthy Start (English) - Click Here

SBC Healthy Start (Spanish) - Click Here

HIPAA

Medical Part D

HIPPA Special Enrollment

Women’s’ Health and Cancer Rights Act

COBRA

If you have benefit questions, send them to psbenefits@clubcorp.com

PRESCRIPTIONS

Prescription Drug Coverage for Medical Plans 
Your prescription drug program is administered by RxBenefits. To find individualized information on your benefit coverage, search for network pharmacies or view the Covered Drug List, contact customercare@rxbenefits.com or call 800-334-8134.

Generic Drugs
One way to get more value from your health care plan is to use generic drugs when they are available. Generic drugs work the same as costlier brand-name products. They have the same active ingredients and must pass the same quality standards. Cost is the main difference between generic and brand name prescription drugs. A generic is not always prescribed and is not always available, but that shouldn’t stop you from asking for the generic every time. 

Value Brand Drugs 
Value Brand drugs are commonly prescribed brand-name drugs identified by NBFSA as providing the greatest value compared to their higher-cost brand name alternatives. 

Non-Preferred Brand Drugs
Non-preferred brand-name drugs typically cost more and are newer drugs on the market. Often, their high cost reflects the manufacturer’s development and marketing costs. You can be a wiser consumer by doing your research, asking the right questions and buying at the lowest price.

Step Therapy
The step therapy program encourages safe and cost-effective medication use. Under this program, a “step” approach is required to receive coverage for certain high-cost medications. This means that you must have prescription history with a first-line drug before the plan will cover a second-line drug. A first-line drug is recognized as safe and effective in treat¬ing a specific medical condition, as well as being cost-effective. A second-line drug is a less-preferred or more costly treatment option.

• Step 1: When possible, your doctor should prescribe a first-line medication appropriate for your condition. 
• Step 2: If your doctor determines that a first line drug is not appropriate for you or is not effective for you, your prescription drug benefit will cover a second-line drug when certain conditions are met.

If you have benefit questions, send them to psbenefits@clubcorp.com or call Benefits Department at 800-800-4615.

DENTAL

Proper dental care plays an important role in your overall good health. Invited offers two Dental Plans designed to encourage preventive treatment, allowing Employee Partners to achieve oral health while striving to minimize dental costs. Full-time Employee Partners may participate in the Dental Provider Organization (DPO) or Dental Health Maintenance Organization (DHMO), both of which are offered by Delta Dental.

DPO Network Dentists
You can see any provider to receive care; however, when using a network dentist, your out-of-pocket costs are lower. To find a network dentist, contact Delta Dental at www.deltadentalins.com (Delta Dental DPO option) or call 1-800-521-2651

DeltaCare USA (DHMO) Plan
You will need to select a contracted DeltaCare USA dentist for both you and your eligible dependents at the time of enrollment. You must receive treatment from your selected DeltaCare USA contract dentist in order for your dental services or treatment to be covered. To find a contract DeltaCare USA dentist, contact Delta Dental at www.deltadentalins.com (DeltaCare USA option) or call 1-800-422-4234.

VISION

Eye health is an indicator of overall health. Regular eye exams can detect diseases like glaucoma, diabetes, and blindness. Vision benefits provide access to quality vision care. So that you and your family will get the care you need, Invited offers full-time Employee Partners a comprehensive vision benefits through superior Vision.
 

*in lieu of lenses/frames

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

Basic Life and Accidental Death and Dismemberment (AD&D)

Basic Life and Accidental Death and Dismemberment (AD&D) will be fully paid for by Invited for all benefit eligible employees. This vital benefit is part of Invited’s benefits Plan as an essential financial security plan. It is important to understand how your Plan works and what benefits you will receive. Just as you would keep track of money that you put into a bank or other financial institution; it is in your best interest to keep track of your survivor benefits. In case of death by accident, the plan pays double the amount of the basic benefit.  For dismemberment benefits, please see the Summary Plan Description. 

Life insurance offers financial protection in the event of your death. AD&D insurance provides financial protection if you have specific injuries or die as a result of an accident. The Basic Life and Basic AD&D Insurance paid for in full by Invited effective January 1, 2021 providers the following benefit for benefit eligible employees:

• Full time hourly employees:  $10,000 

• Salaried employees:              $25,000

If you are already participating in the Invited life insurance plan, your beneficiary will not change unless you enter a change in the enrollment system.  For all employees not currently in the life insurance plan, the policy will make payments to the contractually identified beneficiaries. 

You may enroll in the Voluntary Life Plan as a new hire or during annual Open Enrollment.  If you enroll during these two periods, you may be subject to Evidence of Insurability (EOI), when requested benefit amounts are not higher than defined maximums or limits.

If you have benefit questions, send them to benefits@clubcorp.com or call Benefits Department at 800-800-4615.

SUPPLEMENTAL AND DEPENDENT LIFE (EAP)

Eligible Employee Partners may purchase Voluntary Supplemental Life insurance for themselves and their family. Premiums are paid through post-tax payroll deductions. You must purchase Voluntary Supplemental Life insurance for yourself to purchase Voluntary Supplemental Life insurance for your spouse and/or child(ren).

Employee Supplemental Life
You may elect a benefit in increments of $10,000 up to 7X annual salary (maximum $500,000). You pay full cost If you die while covered under the Plan, this benefits is in addition to your Basic Life benefit. The maximum benefit cannot exceed 7x annual salary or $500,000. Evidence of Insurability (EOI) is required for any election over 3x your annual salary or $380,000 or if you choose to increase your elections or enroll after your original enrollment period.

Spouse Life
You may elect in increments of $10,000 up to 50% of your supplement coverage amount to a maximum of $100,000. You pay the full cost. Evidence of Insurability (EOI) is required for any election exceeding $30,000 and any election after original enrollment period. You must enroll in Employee Supplemental Life in order to enroll your spouse in Spouse Life.

Child Life
You may elect a benefit in increments of $5,000 to a maximum of $25,000. You must enroll in Employee Supplemental Life in order to enroll your child(ren) in Child Life.

Checklist After A Loved One Dies

If you have benefits questions, send them to psbenefits@clubcorp.com

EMPLOYEE ASSISTANCE PROGRAM (EAP)

Employee Assistance Program (EAP) - LifeWorks
Personal issues, planning for life events or simply managing daily life can affect your work, health and family. The program is company- sponsored, confidential and provided at no charge to you and your dependents. LifeWorks offers services to your and your family such as:

• Family: Going through a divorce, caring for an elderly family member, returning to work after having a baby
• Work: Job relocation, building relationships with co-workers and managers, navigating through reorganization
• Money: Budgeting, financial guidance, retirement planning, buying or selling a home, tax issues
• Legal Services: Issues relating to civil, personal and family law, financial matters, real estate and estate planning
• Identity Theft Recovery: ID theft prevention tips and help from a financial counselor if you are victimized
• Health: Coping with anxiety or depression, getting the proper amount of sleep, how to kick a bad habit like smoking
• Every day Life: Moving and adjusting to a new community, grieving over the loss of a loved one, military family matters, training a new pet

Convenient and confidential help when you want it, how you want it.
Your program includes up to 5 phone or video consultations with licensed counselors for you and your eligible household members, per issue, per calendar year. You can call 1-888-319-7819 to speak with a counselor or schedule an appointment, 24/7/365. When you call, just select “Employee Assistance Program” when prompted. You’ll immediately be connected to a counselor.

Call LifeWorks at 888-319-7819 or go online to metlifeeap.lifeworks.com. Your username is metlifeeap and your password is eap.

If you have benefit questions, send them to psbenefits@clubcorp.com or call Benefits Department at 800-800-4615.

SHORT-TERM DISABILITY

Disability coverage helps protect part of your income if you get hurt or sick and cannot work. Disability benefits are reduced by any benefits you receive from Social Security or other disability income benefits.

Eligible Employee Partners who are not eligible for the LTD Plan may participate in the STD Plan (except for Employee Partners working in clubs located in states where there is state-mandated disability plans, like California, New Jersey or New York).

Short Term Disability (STD) Plan
You pay 100% of the cost of this benefit on a post-tax basis. The cost of this benefit will depend upon your age and the benefit amount you elect. After a 14-day waiting period, the STD Plan will provide a weekly benefit for up to 13 weeks if you are disabled due to an accident or illness.

Pre-existing conditions apply to this benefit. For this Plan, a pre-existing condition is a disability by injury or illness for which medical advice, diagnosis, care or treatment was recommended or received during the 6 months prior to becoming eligible for this Plan. You must have 12 months of coverage from the date you become covered under this Plan to receive benefits on a pre-existing condition.

You will choose one of the following weekly benefit amounts that is not greater than 60% of your average weekly salary — $100, $200, $300, $400 or $500 (your average weekly salary includes pay such as regular salary, commission, lessons and service charge distributions, but does not include extra pay such as overtime, bonus, etc).

If you have benefits questions, send them to psbenefits@clubcorp.com

LONG-TERM DISABILITY

Disability coverage helps protect part of your income if you get hurt or sick and cannot work. Disability benefits are reduced by any benefits you receive from Social Security or other disability income benefits.

You can elect LTD coverage for you only and you pay 50% of the cost on a post-tax basis. After completing a 90-day waiting period, the LTD plan replaces 60% of your weekly pay as long as you are disabled or until you reach age 65. To cover your loss of income during the 90-day waiting period, you will receive salary continuation benefits after two years of service.

Pre-existing conditions apply to this benefit. For this Plan, a pre-existing condition is a disability by injury or illness for which medical advice, diagnosis, care or treatment was recommended or received during the following time periods if you enroll for the first time: 

• As a newly eligible Employee Partner — within 3 months immediately before the date you become covered, you may not receive benefits for 12 months after coverage begins. 
• During Open Enrollment — within 12 months immediately before the date you become covered, you may not receive benefits for 24 months after coverage begins. 
• You are required to use any earned but unused sick time followed by vacation 1) during any waiting periods prior to receiving benefits through a State- or Company-sponsored wage supplement benefit program such as salary continuation, and 2) during any time period that you do not receive any form of State- or Company-sponsored wage supplement benefit program. Please see Employee Partner handbook for further details.

 
If you have benefits questions, send them to psbenefits@clubcorp.com

FLEXIBLE SPENDING ACCOUNTS (FSA)

FLEXIBLE SPENDING ACCOUNTS (FSA)
The Flexible Spending Accounts (FSAs) allow you to pay for eligible healthcare and dependent care expenses using tax-free dollars - money taken out of your paycheck before income or Social Security taxes have been calculated. Our FSAs are administered by TaxSaver Plan. Call 800.328.4337 or go to www.taxsaverplan.com for more information.

HEALTH CARE FSA
A Health Care FSA allows you to set aside pre-tax dollars to help pay for certain out-of-pocket healthcare expenses. 

• Most medical, dental and vision care expense that are not covered by your health plan, such as co-pay, co-insurance, deductibles, eyeglasses and doctor-prescribed over-the-counter medications.
• Annual Contribution Limited Maximum contribution is $2,750 per year.
• You must actively enroll in an FSA each year if you want to participate.

DEPENDENT CARE FSA
Reimbursement for dependent care claims is limited to the total amount that is deposited in your account at that time.