Your Benefits

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Medical

FSA

Dental

BENEFITS HUB

We have developed this Benefits Hub for you as a one-stop-shop for all of your year-round benefits needs.

Get access to things like plan documents, contact information, plan information, helpful compliance notices & more!

To get started, click a Plan Icon or just continue scrolling.

Remember!

YOU MUST TAKE ACTION! If you do not take action, you cannot make any changes to your benefits until the next Open Enrollment unless you have a Qualifying Life Event.

You must also re-elect Flexible Spending Accounts and Health Savings Accounts. All other plans will roll over.

Medical Plans/Rx

Open Access Plus PPO

Preventive Care:

Free!

Office Visit:

$30 copay/visit

Deductible: Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Services covered before you meet your deductible include In-network preventive care.

$750 (I) / $1,500 (F)

Local Plus PPO

Preventive Care:

Free!

Office Visit:

$30 copay/visit

Deductible:

$1,250 (I) / $2,500 (F)

HDHP HSA - NEW!

Preventive Care:

Free!

Office Visit:

You pay 40% after deductible

Deductible:

$1,500 (I) / $3,000 (F)

Health Advocacy

New York Life Group Benefit Solutions (NYL GBS) Health Advocacy Services offers you expert assistance with a wide range of healthcare and health insurance issues. Let us help you - your spouse, dependents, parents and parents-in-law get the answers you need, when you need them, 24/7, at no additional cost to you.
Learn more →

Find a Provider

Contacts

Wellness

Wellness benefits for you and your family.

Wellness Calendar
Cigna MyHealth Assistant
CignaOne Guide
Cigna Virtual Care
Emotional Well-Being
Healthy Rewards Flyer
myCigna App Features
Omada for Cigna Participants
Preventive Guide

Health Savings Account - NEW!

You can elect to have a portion of your paycheck contributed pre-tax to a Health Savings Account (HSA) to pay for qualified health care and/or dependent care expenses.

HDHP HSA medical plan enrollees only!

Health Savings Account

A health savings account, or HSA, is an account that’s funded with pre-tax contributions from your paycheck and used to cover health-related expenses.

Annual Contribution Limit:

$4,150 (I) / $8,300 (F)

Contacts

Flexible Spending Accounts

You can elect to have a portion of your paycheck contributed pre-tax to a flexible spending account (FSA) to pay for qualified health care and/or dependent care expenses.

Health Care FSA

Helps you pay for expenses such as medical, dental & vision expenses.

Annual Contribution Limit:

$3,200

Rollover:

None

Dependent Care FSA

Helps you pay for expenses such as day care, preschool, and elderly care.

Annual Contribution Limit:

$5,000

Rollover:

None

Contacts

Dental Plans

Your dental plans are through Cigna.

You are offered a Dental HMO and a Dental PPO plan. The Dental HMO is an in-network only plan where you typically pay copays for services. The Dental PPO offers a broader network where you typically pay coinsurance for services.

Dental HMO

Deductible:

None

Basic:

Copay schedule

Major:

Copay schedule

Orthodontic:

Copay schedule

Dental PPO

Deductible:

$150 (I) / $300 (F)

Basic:

Plan pays 65%, after deductible

Major:

Plan pays 50%, after deductible

Orthodontic:

Plan pays 50%, no deductible

Find a Provider

Contacts

Vision Plan

Vision care is also important to your overall health & wellbeing! Vision coverage is through Cigna.

Coverage includes exams, prescription glasses, contacts, and more. You receive the greatest savings using a provider within the Cigna network.

Cigna Vision

Exam Copay:

$25

Prescription Glasses:

You pay $0 after copay

Frame Allowance:

Up to $170 every 12 months - NEW!

Contacts:

$150

Find a Provider

Contacts

Life & Disability

We provide these benefits at no cost to you. You do not need to re-enroll in these benefits each year in order to receive them. No action required.

Included Benefits

✓ Life and Accidental Death & Dismemberment

✓ Short-Term Disability

✓ Long-Term Disability

Work/Life Benefits

Benefits that go beyond basic and voluntary coverages. These are programs that offer you and your family even more flexibility and added perks on top of what you enroll in above.

Included Benefits:

✓ Voluntary Term Life and Long-Term Care Benefit

✓ Voluntary Short-Term Disability

✓ Voluntary Critical Illness

✓ Voluntary Group Accident

Compliance

Your hub for compliance information, forms and contacts you may not have found elsewhere.

A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available on www.casanovabenefits.com. A paper copy is also available, free of charge, by calling lourdes.mendez@casanova.com.

Casanova/McCann permits insurers to offer employees of Casanova/McCann certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Casanova/McCann does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. Casanova/McCann does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Casanova/McCann'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Casanova/McCann may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Casanova/McCann does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Casanova/McCann reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.

In-Network Benefits	Open Access Plus PPO	Local Plus PPO	HDHP HSA
Preventive Care	Plan pays 100%	Plan pays 100%	Plan pays 100%
Annual Deductible	$750 (I) / $1,500 (F)	$1,250 (I) / $2,500 (F)	$1,500 (I) / $3,000 (F)
Out-of-Pocket Max	$4,000 (I) / $8,000 (F)	$5,000 (I) / $10,000 (F)	$3,000 (I) / $6,000 (F)
Primary Care / Specialist Visit	$30 copay/visit, deductible does not apply $50 copay/visit, deductible does not apply	$30 copay/visit, deductible does not apply $50 copay/visit, deductible does not apply	$30 copay $50 copay
Urgent Care / Emergency Room	$55 copay $100 copay + 20% coinsurance	$55 copay $250 copay + 20% coinsurance	You pay 20% after deductible
Lab Work & Diagnostic Tests	No charge	No charge	You pay 20% after deductible
Semi-monthly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$130.75 $312.22 $284.12 $454.58	$64.37 $205.35 $186.73 $298.45	$91.50 $215.20 $194.71 $307.43
Pharmacy Generic (Retail/Retail 90/Mail) Preferred Brand (Retail/ Retail 90/Mail) Non-Preferred Brand (Retail/ Retail 90/Mail)	$10/$20/$20 copay $45/$90/$90 copay $65/$130/$130 copay	$10/$20/$20 copay $45/$90/$90 copay $65/$130/$130 copay	$10/$20/$20 copay $45/$90/$90 copay $65/$130/$130 copay

Affordable Care Act

The ACA requires all businesses with 100 or more full-time equivalent employees (FTEs) to offer health insurance to their full-time workers (working 130 hours of service in a calendar month) or pay a penalty. In addition, the Company must continue to provide access to quality health insurance at an affordable cost.

After Taxes

Included in your W-2 income or subject to income taxes.

Before Taxes

Not included in your W-2 income or subject to income taxes.

Beneficiary

A person or persons you name – using a form accepted by the plan administrator or insurance carrier – to receive benefits in the event of your death.

Brand-Name Drug

A drug that is patented by the FDA and subject to an exclusivity agreement that allows the company to be the sole manufacturer of the drug for a certain number of years.

Coinsurance

The percentage that you pay of a covered service.

Copay

A fixed dollar amount that you pay for a covered service at the time the service is provided.

Covered Service

The health care services that a plan will cover in part or in full based on plan documents.

Deductible

The amount you pay for covered services in a plan year before the plan begins to pay benefits.

Eligibility Date

The day on which you’re eligible to participate in a Your Benefits plan.

Eligible Expense

Expenses incurred for a covered service.

Evidence of Insurability

A statement of proof of a person’s physical condition, occupation, or other factor affecting his or her acceptance for insurance coverage.

Formulary Drug

A drug that’s considered a “preferred choice” based on its effectiveness and cost.

Generic Drug

A prescription drug that has the same active ingredients as a brand-name drug and is subject to the same FDA standards for quality, strength, and purity as its brand-name counterpart, but typically costs less. Not all brandname drugs have generic equivalents.

Late Enrollee

A Jack in the Box or Qdoba employee or eligible dependent who didn’t enroll in the benefit plan when first eligible to join.

Network Provider

Any licensed doctor, hospital, lab, or other health care provider that has contracted to provide members with comprehensive services at discounted rates.

Non-Formulary Drug

A brand-name drug that isn’t on a plan’s formulary list.

Non-Preferred Drug

A brand-name drug that isn’t on a plan’s preferred list.

Out-of-Pocket Maximum

The maximum amount you pay each plan year for covered services. Once you reach your out-of-pocket maximum, the plan pays 100% for additional covered services.

Out-of-network Provider

Any licensed doctor, hospital, lab, or other health care provider that is not part of a provider network.

Plan Year

October 1 through September 30.

Preferred Drug

A drug that’s considered a “preferred choice” based on its effectiveness and cost.

Primary Care Physician

A doctor within an HMO network whom you’ve selected to coordinate your medical care.

Qualifying Life Event

A life event that may allow you to make certain changes to your health plan coverage. This includes marriage, registration of a domestic partnership, legal separation, or divorce; birth, adoption, legal guardianship, or change in custody for a dependent child (or children); the ineligibility or death of a dependent; a move to an area where your current plan isn’t offered; a change in your or your spouse’s employment; or a significant change in health coverage.

Reasonable & Customary Charges

The maximum amount the plan will pay for a service, based on what providers in that geographic area charge for similar services or supplies.

In-Network Benefits	Open Access Plus PPO	Local Plus PPO
Pharmacy Generic (Retail/Retail 90/Mail) Preferred Brand (Retail/ Retail 90/Mail) Non-Preferred Brand (Retail/ Retail 90/Mail)	$10/$20/$20 copay $45/$90/$90 copay $65/$130/$130 copay	$10/$20/$20 copay $45/$90/$90 copay $65/$130/$130 copay

In-Network Benefits	Dental HMO	Dental PPO
Preventive Services	Plan pays 100%	Plan pays 100%
Cleanings	2 per year	2 per year
Deductible	None	$150 (I) / $300 (F)
Calendar Year Maximum	N/A	$1,000
Basic Services	Copay schedule	65% after deductible
Major Services	Copay schedule	50% after deductible
Orthodontic Services	Copay schedule	50% no deductible
Orthodontia Lifetime Max	N/A	$2,000
Semi-monthly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$4.18 $8.36 $9.41 $13.59	$8.16 $16.32 $18.23 $26.52

Summary of Benefits and Coverage

In-Network Benefits	Standard Vision PPO
Eye Exam	$25 copay
Single Vision	100% after Copay
Bifocals	100% after Copay
Trifocals	100% after Copay
Lenticular	100% after Copay
Frames	Up to $170 every 12 months - NEW!
Contact Lenses	$150
Semi-monthly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$5.60 $7.88 $8.43 $13.49

Health Savings Account

HSAs are savings accounts funded by pre-tax contributions from your paycheck. These accounts earn interest tax free and can be used to help pay for a wide range of medical, prescription, dental and vision expenses.

The money in this account is yours and rolls over from year to year. You can save it or use it for qualified expenses now or anytime in the future. It’s also portable, so if you retire or leave Casanova/McCann, you can take it with you.

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ Funds rollover from year-to-year and are yours to keep

✓ Catch-up contributions are for those aged 55 and older

Flexible Spending Account

An FSA saves you money by reducing your income taxes. You must choose how much to contribute each year, up to the stated limit. Your FSA contributions are automatically deducted from your pay BEFORE any taxes are calculated, and are not reported as income to the IRS. The FSA plan is effective January 1 to December 31 (calendar year).

Existing employees may enroll during Open Enrollment. New Hires must fulfill their eligibility requirements prior to enrolling.

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ Funds do not rollover from year-to-year

Health Savings Account

A health savings account, or HSA, is an account that’s funded with pre-tax contributions from your paycheck and used to cover health-related expenses. f

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ Funds do not rollover from year-to-year

Basic Life

The company provides a benefit of 1x base salary up to $250,000 of Basic Employee Life insurance for all eligible employees.

Highlights & Reminders

✓ You are automatically enrolled

✓ Be sure to have an updated beneficiary form on file

✓ Benefit reduces to 65% at age 65 and 50% at age 70

Supplemental Life Insurance

If you want additional protection for you and your family, you have the option to buy Supplemental Life Insurance as shown below. Note that you must elect Supplemental Life Insurance for yourself in order to purchase coverage for your dependents.

Product Highlights

✓ Employee Life:Increments of $10,000 from $10,000 up to $500,000

✓ Spouse Life: Increments of $5,000 from $5,000 up to $100,000

✓ Child(ren) Life: $1,000, $2,000, $4,000, $5,000 or $10,000 coverage amounts available

✓ Guarantee Issue $150,000, Spouse - $25,000, Child – N/A (EOI not required)

Short-Term Disability

If you’re suddenly unable to earn a paycheck due to illness or an accident, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.

Product Highlights

✓ You are automatically enrolled

✓ The Disability plans pay 60% of weekly earnings up to $2,500

✓ Up to 26 weeks of coverage

✓ Coverage begins on the first day of disability caused by an accidental injury or after 7 days of disability caused by physical disease, pregnancy or mental disorder

Long-Term Disability

Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.

Product Highlights

✓ You are automatically enrolled

✓ 50% of your base monthly earnings up to $5,000 paid

✓ Coverage begins after 180 days of disability

✓ Buy-up coverage available | Additional 10% of coverage of base monthly earnings up to $10,000

Life and Accidental Death and Dismemberment

Short-term Disability

Long-term Disability

Value Added Programs

401(k) Enrollment & Beneficiary Info

Be Sure to Designate a Beneficiary: You can set up your beneficiary information by going to www.401k.com or by calling a Principal Representative at 800-547-7754. Simply request a Designation of Beneficiary Form to fill out and return to Principal.

Enroll now

Employee Stock Purchase Plan (ESPP)

We offer the chance to build your investment portfolio by purchasing Casanova/McCann stock at a discounted rate.

Eligibility:

You are eligible to purchase company stock during the first offering period after six months of employment. Offerings happen twice a year in January and July.

Enrollment:

You may enroll at any point after becoming eligible.

Shopping & Travel Discount from PerkSpot

As a Casanova/McCann employee you receive perks and discounts on more than 900 local and national merchants like Apple, Samsung, Sprint, Six Flags, and Disney.

Whether it’s greater discount percentages or benefits like free shipping, this exclusive benefit can help you get more for your money! Plus, PerkSpot includes a newly released

Travel Feature with exclusive discounts up to 60% on hotels in hundreds of destinations worldwide.

Paid Parental Leave

We proudly introduce paid parental leave. From our family to yours, time to bond with your bundle!

For Primary Caregivers:

Up to 12 weeks of paid leave at 100% of your base pay

For partners:

Two weeks of paid leave at 100% of your base pay

Cigna's Healthy Pregancy, Healthy Babies Program

Enrolling in this program is an important first step toward a healthy future for you and your baby. All Cigna Healthy Pregnancies, Healthy Babies services are confidential, and your private information will not be shared with Casanova/McCann.

Plan for a Healthy Pregnancy:

When you enroll before becoming pregnant, we can help you be as healthy as possible. You’ll have access to preconception planning tools and resources, including information from the March of Dimes on eating right, maintaining a healthy weight, taking prenatal vitamins, stopping alcohol and tobacco use, and controlling any medical conditions you may have.

Support During Your Pregnancy:

Tell Cigna about your pregnancy so they can meet your needs. You can ask them anything – your coach, who has a nursing background, is there to support you during your whole pregnancy. You’ll even get a pregnancy journal with information, charts, and tools to help you have a happy nine months.

Start Now:

Cigna can help you stay healthy before and during your pregnancy and in the days and weeks following your baby’s birth. Call 800-615-2906 to enroll today. Download the new app by searching for “Cigna Healthy Pregnancies” in the App Store to get support through your entire pregnancy with tips and tools.

Mental Health Support

Many physical conditions can worsen with stress, substance use, and other behavioral health issues. Cigna’s whole-person approach provides help with life events, dedicated support, lifestyle coaching, and online tools.

Virtual Behavioral Care:

Use your smartphone, tablet, or computer for online video conferencing. And your out-of-pocket cost is the same as a behavioral health outpatient office visit. Visit myCigna.com > Find Care & Costs > Doctor by Type > Behavioral Health Counselor > Virtual Counselor to find a provider.

iPrevail:

On-demand coaching and personalized learning with iPrevail is offered at no cost to you. Learn how to boost your mood and improve mental health with on-demand coaching 24/7. You can work with a peer coach and get access to support communities focused on stress, anxiety, depression, and more. Visit iprevail.com/cigna to sign up and download the free app.

Happify:

Science-based activities and games for stress and worries offered in partnership with Cigna. Happify’s activities and games are designed to help you overcome life’s challenges and can be accessed at any time. Visit happify.com/cigna to sign up and download the free app.

Employee Assistance Program

Our FREE and confidential Employee Assistance Program (EAP) helps you find balance between work and home life. Your EAP benefits cover five sessions of counseling at no cost to you. If you are interested in counseling, you have three choices available: face-to-face counseling, secure video counseling, or scheduled telephone counseling sessions which are available early morning, late in the evening, and on weekends. If you choose to continue to see the counselor beyond the initial sessions, you may be able to use your health insurance benefits for more long-term coverage.

Casanova/McCann offers this program to you and your immediate family (spouse or domestic partner, dependent children up to age 26) at no cost to you.

Get Help With:

✓ Marriage and family problems

✓ Job-related issues

✓ Stress, anxiety and depression

✓ And more!

LifeWorks Employee Assistance Program

Get immediate access to specialized professionals in counseling, social work, human services and psychology. You have access to the LifeWorks network of thousands of master’s level counselors and affiliates.

Benefit Features

✓ Get support with financial and legal issues

✓ Receive 5 free appointments included in your Niagara benefits

✓ Enjoy hassle-free scheduling with LifeWork's easy-to-use app

Get started

Your Benefits

Click an icon below to view that benefit.

BENEFITS HUB

Remember!

Medical Plans/Rx

Open Access Plus PPO

Local Plus PPO

HDHP HSA - NEW!

Health Advocacy

Find a Provider

Wellness

Health Savings Account - NEW!

Health Savings Account

Flexible Spending Accounts

Health Care FSA

Dependent Care FSA

Dental Plans

Dental HMO

Dental PPO

Find a Provider

Vision Plan

Cigna Vision

Find a Provider

Life & Disability

Included Benefits

Work/Life Benefits

Included Benefits:

Compliance

Medical Plan Details:

Medical

Prescription Drug

Prescription Drug

Summary of Benefits and Coverage

Other Documents

Vision

Health Savings Account

Product Highlights

Health Savings Account

Flexible Spending Account

Product Highlights

Health Savings Account

Product Highlights

Flexible Spending Accounts

Basic Life

Highlights & Reminders

Supplemental Life Insurance

Product Highlights

Short-Term Disability

Product Highlights

Long-Term Disability

Product Highlights

Life and Accidental Death and Dismemberment

Supplemental Life

Short-term Disability

Long-term Disability

Value Added Programs

Voluntary Benefits.

BRAND NEW Voluntary Term Life Benefit

Critical Illness

Group Accident

Hospital Indemnity

Voluntary Term Life

Critical Illness

Accident

Hospital Indemnity

Identity Theft

401(k) Enrollment & Beneficiary Info

Employee Stock Purchase Plan (ESPP)

Shopping & Travel Discount from PerkSpot

Paid Parental Leave

Cigna's Healthy Pregancy, Healthy Babies Program

Mental Health Support

Employee Assistance Program

Get Help With:

LifeWorks Employee Assistance Program

Benefit Features

Compliance Notices

Medicare Part D

Wrap Summary Plan Document