News To Know

Some benefits have changed for the new plan year. Below are some items to review for 2025:

Medical & Pharmacy

Strongpoint's medical plans are offered through IAA and operate on the Cigna PPO network. You have three plan options to choose from, two traditional PPO copay plans and one High Deductible Health Plan (HDHP) that is HSA compatible.

CLICK HERE for instructions on how to find a network provider

REMEMBER to create a Member Account with IAA and manage your account on the go!

You'll have access to...

Find nearby care options in your network
View and share your health plan ID card
See your claim details and view the progress toward your deductible

To create your online account visit www.iaatpa.com

Download on:

Google Play

Apple Store

Flexible Spending Accounts

Healthcare FSA: The Healthcare FSA allows you to set aside pre-tax dollars to cover eligible medical, dental, and vision expenses. All elected funds are available to spend on the first day of the plan year. You do not need to be enrolled in a medical plan in order to take advantage of this benefit.

Limited FSA: If you are contributing to an HSA and would also like to contribute to an FSA, the Limited FSA is available to you. Limited FSA's allow you to set aside pre-tax dollars to cover eligible dental and vision expenses (medical expenses are only eligible for reimbursement through your HSA). All elected funds are available to spend on the first day of the plan year. You must be enrolled in the HSA plan in order to take advantage of this benefit.

Dependent Care FSA: For those with dependent care responsibilities, the Dependent Care FSA offers a convenient way to use pre-tax dollars to cover eligible childcare expenses. This benefit is designed to ease the financial burden of dependent care services, providing flexibility and support for working parents. You do not need to be enrolled in a medical plan in order to take advantage of this benefit.

Manage your accounts online on the Wex Health website

*For more information on functionality, annual limits & usage, please refer to your 2025 Employee Benefits Guide

Health Savings Account

Health Savings Account: If you’re enrolled in the $1650 HSA PLAN, you’re eligible to contribute on a pre-tax basis to a Health Savings Account (HSA) to cover eligible medical, dental and vision expenses for you and your dependents. The funds you contribute to these accounts never expire and will stay with you until you spend them, even if you leave the health plan!

Strongpoint Partners will also make a contribution to your HSA based on your level of coverage:

Employee Only $750

Employee + Spouse $1,500

Employee + Children $1,500

Family $1,500

Manage your accounts online on the Wex Health website

*For more information on functionality, annual limits & usage, please refer to your 2025 Employee Benefits Guide

Teladoc

Convenient Access to Health and Mental Health Support

If you are enrolled in one of the Strongpoint Medical plans, you are also eligible for services through Teladoc. Teladoc is a virtual healthcare service that connects you with doctors, therapists, and other healthcare professionals by phone or video—whenever and wherever you need it. Whether you're dealing with a common illness, need advice on a health concern, or want to speak with a mental health professional, Teladoc makes it easy to get the care you need without leaving home or disrupting your schedule.

Key Benefits of Teladoc

$0 Health & Mental Health Consultations: You have access to a wide range of services, including both physical health and mental health consultations, at no cost to you.
- Mental health visits are available to participants ages 18+
Convenience: No more long waits for appointments. Consultations are available 24/7, so you can speak with a healthcare provider at a time that fits your schedule.
Wide Range of Services: Teladoc offers virtual visits for non-emergency health concerns, including colds, flu, allergies, and more. It also provides mental health support with licensed therapists and counselors, available for virtual sessions on your terms.
Privacy & Confidentiality: All consultations are confidential, ensuring you receive high-quality care in a secure, private setting.

How It Works:

Sign up: Create your Teladoc account online or through the Teladoc app.
Request a Consultation: Choose whether you need a doctor for a health concern or a therapist for mental health support.
Get Care: Speak with a provider via phone or video, and receive the advice, prescriptions, or referrals you need.

NEW Ancillary Carriers!

Vision is now offered through EyeMed at a LOWER COST with ENHANCED benefits through any EyeMed Plus Provider. Learn more here!

Dental, Life & Disability are now all administered through Guardian with NO cost impact to employee-paid coverages.

Note: Voluntary Life now includes Accidental Death & Dismemberment which offers additional protection if you or a dependent experience a severe or fatal accident. This additional coverage is accounted for in your Voluntary Life premium at the rate of $0.03 per $1,000 in coverage.

Accident, Critical Illness & Hospital Indemnity will all be maintained with Colonial Life with NO cost increase.

Evidence of Insurability (EOI)

An Evidence of Insurability (EOI) form is a document that asks for details about your medical history to determine eligibility for life insurance. It’s typically required for group voluntary life coverage to help the insurer assess any potential risks when a member requests coverage amounts over certain limits.

2025 SPECIAL ENROLLMENT:

Guarantee Issue for employees has been INCREASED to $200,000 (previously $100,000). To allow all members to take advantage of this valuable enhancement, a TRUE Open Enrollment will be offered only for 2025. This means you can elect coverage for yourself and your dependents up to the Guarantee Issue without answering any health questions!

*Any elected amounts over Guarantee Issue will still require a completed EOI form.

EOI Guidelines for 2026 & beyond:

EOI forms will be required for Voluntary Life AD&D coverage if:
- Employee New entrant: If you elect coverage when you are initially eligible, EOI is required only for any amount over $200,000.
- Spouse New entrant: If you elect coverage for your spouse when you are initially eligible, EOI is required only for any amount over $25,000.
- Late entrant: Employees/Spouses who previously declined coverage during their initial enrollment (or during 2025 Open Enrollment) will need to provide EOI for any amount
- Employee Annual Enrollment: Employees who previously elected coverage for themselves can increase their coverage up to the Guaranteed Issue amount. If you wish to increase your coverage over the GI amount, you must complete the required EOI form.
- Spouse Annual Enrollment: Employees who previously elected coverage for their spouse must submit EOI if they wish to increase their coverage further.

****Additional coverage will NOT become active until the 1st of the month following date of EOI approval****

CLICK HERE to begin the Guardian online EOI process

Free Discount Program

Get up to 40% off hotel prices!

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Customer Service: 1-877-428-4585