Health

Health Advocate

Health Advocate

Health Advocate provides a 24/7 benefits concierge service staffed by experienced health care, well-being and benefits professionals who are familiar with navigating the complex health care system. Health Advocate can assist benefits users at any health stage with understanding benefits, balance billing negotiation, Medicare options, personalized provider locator and care coordination.


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Medical

Medical

We offer a choice of two medical plan options, both administered by Anthem BlueCross BlueShield, that offer network savings.


Plan Options

PPO Plan option: Offers lower deductibles and out-of-pocket maximums in exchange for you paying a higher monthly premium.

Consumer Plan option: Has higher deductibles and out-of-pocket maximums in exchange for you paying a lower monthly premium. In addition, the Consumer Plan includes a company contribution to a Health Savings Account (HSA). Only employees enrolled in the plan effective Jan. 1 of the plan year are eligible for the HSA company contribution.

Spousal Surcharge Please note that a surcharge will be applied to your spouse enrolled in Westlake medical coverage unless you attest during enrollment that he or she doesn’t have access to employer-provided medical coverage.

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Sydney – Anthem’s Benefits App

With Sydney, you have one-click access to everything you need to know about your Anthem benefits — personalized and all in one place.

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LiveHealth Online

With LiveHealth Online, care from a board-certified doctor is just a click or call away. Offered as part of your Anthem Blue Cross and Blue Shield benefits, LiveHealth Online offers 24/7 access to health care. All you need is a computer, smartphone or tablet.

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Teladoc Medical Experts

Teladoc Medical Experts is a confidential second opinion service that provides you and your covered dependents covered under a Westlake medical plan with access to world-renowned physicians who can help ensure that you are getting the right care. Teladoc Medical Experts supports the work of your own doctor(s) through:

  1. In-depth medical review: Teladoc Medical Experts will provide an expert second opinion by conducting a full review of your diagnosis and treatment plan.
  2. Critical Care Support: if you require emergency treatment, intensive care, or an extended hospital stay, Teladoc Medical Experts can provide an expert to work with your local medical team and help you get the best care.
  3. Ask the expert: If you have basic questions about your medical condition or treatment plan, you can get advice from expert physicians in the Teladoc Medical Experts network.

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SurgeryPlus

SurgeryPlus is a supplemental surgical benefit that provides high-quality, personalized care when you or your covered dependents need a surgical procedure. This full concierge service provides access to some of the best board-certified Surgeons/Centers of Excellence at pre-negotiated bundled rates. Here’s how it works:

  1. When your doctor recommends surgery, you call SurgeryPlus.
  2. Your SurgeryPlus Care Coordinator will help you find a top-quality, board-certified surgeon, set up your initial consultation, and walk you through the planning process.
  3. SurgeryPlus will negotiate all costs before your surgery. You pay your regular plan deductible (if applicable) and Westlake pays all other costs (i.e. no co-insurance is due) for the procedure.
  4. SugeryPlus coordinates the entire process, including any required travel.

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Physera

Physera offers virtual therapy for musculoskeletal issues. Receive individualized care delivered by licensed physical therapists through the convenience of a smart phone at no cost to you or your covered dependents.

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If You Travel Outside the U.S.

Our medical plan options provide in-network level for emergency or urgent care services received outside the U.S. If you need urgent medical attention while traveling outside the U.S., you must pay for the services and submit a claim for reimbursement.

You can access assistance with medical care outside the U.S. through Global Core. If you need to locate a doctor or hospital, or need medical assistance services, you can call Global Core Service Center at 1-800-810-2583 or collect at 1-804-673-1177. 24 hours a day, seven days a week. An assistance coordinator, in conjunction with a medical professional, will arrange a physician appointment or hospitalization, if necessary. For more information about Global Core, visit www.bcbsglobalcore.com. For details about locating a doctor or hospital when traveling outside the U.S., click here.

Prescription Drugs

Our medical options include retail and mail order prescription drug benefits, provided through CVS/caremark. Prescription drug benefits cover three main categories of drugs.

Generic drugs have the same active ingredients as brand-name drugs but often cost considerably less. Typically, a prescription will be filled with a generic drug if one is available, even if a brand name is written on the prescription — unless your doctor specifically instructs otherwise.

Preferred brand drugs are brand-name drugs that have been carefully selected by CVS/caremark on the basis of their value as quality medications while helping to lower the cost of prescription drug benefits.

Non-preferred brand drugs are brand-name drugs that aren’t on the CVS/caremark preferred drug list. They usually cost more than preferred drugs.

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Pharmacy Benefit Administrator
CVS/caremark
1-800-935-4094
www.caremark.com
Dental

Dental

The Dental Plan provides coverage for regular checkups, basic, restorative, and major services and orthodontia. You can receive savings on services from a member of the Delta Dental network or to go to any out-of-network dentist you choose.


Plan Option

Delta Dental: Delta Dental’s network providers have agreed to provide their services at contracted rates that are usually lower than out-of-network rates.

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Vision

Vision

The Vision Plan lets you receive care from any optometrist, optician, ophthalmologist or other licensed and qualified vision care provider. However, you can save money when you receive services from a VSP network provider.


Plan Option

VSP: VSP network providers offer savings on frames, lenses, contacts, eye exams, and more.

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Wellness

Wellness

Westlake offers wellness and fitness resources to help promote the health and well-being of you and your family.


Fitness Reimbursement Program

The Fitness Reimbursement Program reimburses a portion of your (and your spouse’s, if applicable) eligible wellness related activities.

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Active&Fit Direct

To help you get in shape, Cigna, our life insurance provider, is offering access to its Active&Fit Direct program.

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Flexible Spending Accounts

Tax Advantaged Accounts

Westlake offers several options for setting aside money tax-free to pay for eligible health care and dependent care expenses. You may participate in one or more of these tax advantaged accounts, depending on your needs:


Health Savings Account (HSA)

Employees enrolled in the Consumer Plan can open a Health Savings Account (HSA), a tax-advantaged account that lets you pay for a variety of eligible health care expenses not reimbursed by your medical, dental, vision or prescription drug coverage — including deductibles and coinsurance.

How an HSA Compares with Our Health Care Flexible Spending Account (FSA) While an HSA and Health Care FSA both let you pay eligible health care expenses with tax-free dollars, different IRS regulations apply to each account. To see how these two tax-advantaged accounts compare, click here.

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Flexible Spending Accounts

FSAs help you lower your taxes by letting you set aside money — on a tax-free basis — to pay for certain eligible expenses. We offer the following FSAs, both administered by WageWorks:

Health Care FSA: Allows you to set aside tax-free dollars to pay for eligible health care expenses not covered by your health care plans for yourself and your eligible dependents. You cannot enroll in the Health Care FSA if you are enrolled in the Consumer Plan.

Dependent Care FSA: Allows you to set aside tax-free dollars to pay for eligible dependent care expenses so that you (and your spouse, if you’re married) can work.

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Employee Assistance Program

Employee Assistance Program

The EAP offers free, confidential support and work/life services to help you balance the demands of work, life and personal.


Program Includes

  • 24/7 access to trained mental health professionals
  • Assessment and referral services
  • Face-to-face counseling sessions
  • Online counseling
  • Work/life services, including elder care, child care and legal/financial resources

For more details on EAP services, contact your local HR Department. To access EAP services, contact Resources for Living.

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COBRA

COBRA

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) may allow you and/or your dependents to continue medical, dental, vision, Employee Assistance Program (EAP) and Health Care Flexible Spending Account (FSA) coverage if that coverage is lost due to a qualifying event. You pay the full cost for COBRA coverage.


For More Information

If you have any questions about your COBRA rights or coverage, contact the Westlake Total Rewards Team at 1-800-284-0270 or by mail at 2801 Post Oak Boulevard, Suite 600, Houston, Texas 77056.

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