Marpai is our third-party administrator (TPA) who processes and pays claims on behalf of Betenbough Companies’ healthcare plan. Marpai also assists in both consolidating and ensuring accuracy in billing with healthcare claims. As our TPA, they issue ID cards to policyholders, which must be shown to the provider prior to medical visits or procedures. Using the phone number listed on the card, your provider will call Marpai to verify coverage.

Your employer is self-funded for your health benefits. Your claims are “processed” by Marpai and “paid” by our Company once your deductible has been met.

Paragon will continue to process claims prior to January 1st. Marpai will process all 2025 claims.

Yes, Betenbough is working with UMC and Covenant to get them familiar with Marpai. If your provider is not familiar with Marpai, show them your insurance card. You can also call Nurse Sam or contact employeesupport@betenbough.com.

We are still using the Cigna Network, Marpai is just the TPA. If you are having trouble, call the number on your Marpai card, or Nurse Sam.

If there are any problems contact, Nurse Sam, or your Health and Wellness Team.

Cigna is our Network Provider.

Refer to page 7 on your 2025 Benefits guide to see percentages.

If you are an employee, this has already been automatically installed on your company-issued cell phone. Required credentials include your work email, the Org Code: BBH, and name.

Contact Employeesupport@betenbough.com.

Deductible is the out-of-pocket costs before co-insurance kicks in. Premium is the amount taken from your bi-weekly paychecks to pay for the insurance policy.

Fees owed for services prior to reaching your deductible and percentages owed after deductible is reached. Co-Pays do not apply toward your deductible.

$3000 deductible applies to an employee only policy on HSA. $6000 deductible applies to family policy on HSA, regardless if one individual reaches the $3000 in costs.

Login to your Marpai account. Your deductible information should be listed here.

Please review the questions below to determine your eligibility for HSA contributions. If you answer yes to any of these questions, you do not qualify for HSA. Do you have other Health Coverage that is NOT a high deductible health plan? Are you enrolled in Medicare, Tricare, or Tricare for Life? Have you received specific medical benefits from the VA in the previous three months? Are you claimed as a dependent on someone else’s tax return? Are you enrolled in an HRA (Health Reimbursement Arrangement)?

If you do not choose to use your own bank, Ameriflex will be automatically selected as your bank. Access your account by visiting ameriflex.com or downloading the app to create an account.

You can go to https://www.irs.gov/publications/p502 to see what is all covered.

There is a cap on how much money can be contributed within a year, but not an overall cap on how much money can be in the account.

HSA can be used with Dependent Care FSA and Limited Care FSA, however, it can not be used with Traditional FSA.

Anybody within your household can use the HSA funds.

No, you are only eligible for HSA contributions with HDHP. You are still able to use the card until funds have ended.

• HDHP Has a higher deductible and lower monthly premium. HDHPs are a good choice for people who are generally healthy and don't need frequent care.
• PPO Has a lower deductible and higher monthly premium. PPOs are a good choice for people who have ongoing health issues or need regular medical care.

No, the plans are identical for what is covered the only differences are the details of premiums, deductibles, copays, etc.

•PPO is an embedded deductible
An embedded deductible is where each family member has an individual deductible in addition to the overall family deductible. When a family member meets his or her deductible before the family deductible is reached, the plan will begin paying according to the plan’s coverage for that member. If only one family member meets an individual deductible, the rest of the family must still meet the rest of the family deductible. Out-of-pocket expenses used to meet an individual deductible are counted toward meeting the family deductible.
Example - John and Jane have a family health plan that covers them and their three children. The PPO plan has a $500 individual deductible, and a $1,000 family deductible. Susan meets her $500 deductible after giving birth to their youngest child in February. The son, Tommy, breaks his leg and also meets his $500 individual deductible in March, which means the family deductible of $1,000 has now been met. Later in the year, when John needs carpal tunnel surgery, he only owes a copayment because the family deductible was already met.
•HSA is a family deductible
A family deductible is simpler than an embedded deductible. With a family deductible, there is only one deductible. All family members’ expenses count toward the family deductible until it is met. Then they are all covered with the health plan’s usual copays or coinsurance. It doesn’t matter if one person incurs all the expenses that meet the deductible or if two or more family members contribute toward meeting the family deductible. The family deductible is most common in high deductible health plans.
Example - Antonio and his family enroll in the HDHP plan. The family deductible is $6,000. Daughter Isabella had acute appendicitis that required surgery costing $2,300. Antonio required surgery that cost $4,000. The combined out-of-pocket expenses from Isabella’s and Antonio’s medical treatments met the family deductible. Any further medical care for anyone in the family will be covered by the insurance company according to the plan benefits.

FSA funds are use it or lose it. Funds will be forfeited after March 31st of the following year. Funds available the following year can only be used for transactions made before January 1st of prior year. There is a $640 rollover from previous year.

Yes! In order to do so make an account for the new bank. Once completed, email employeesupport@betenbough.com the new account number and routing number. Finally, fill out a transfer form with Ameriflex to get the previous funds to the new account (may have a transfer fee).

You will need to use an onsite computer to access UKG. Ask your leader for help or contact employeesupport@betenbough.com for help.

Their info is saved in your contact information on your work phone. You can call or email them. They do NOT receive text messages. Their contact information is below.
Nurse Sam: 806-200-6684 ext 173
Nurse Mykkal: 806-200-6687 ext 130
betenbough@engagedhealthgroup.com

Unless your health need is an emergency, this should be your first step in seeking out treatment or medication for illness or other medical needs. Sam is a registered nurse, a certified health coach, and she will provide you with the best options for care at the best price. She can help you make informed decisions about your health. From Assisting with coordinating care and services needed to address your needs. Personalized support in setting and achieving your health-related goals. Education regarding your condition, treatment plan, and tools to manage your condition.

Nurse Mykkal provides education and resource coordination for chronic care and pre and post op care. Mykkal Martin is a registered nurse with expert experience in cardiac care, critical care, geriatric surgical care, and case health management.

MeMD (formerly known as Walmart Telehealth) can be accessed through CaringWire.

Dependents can be registered under the employee. Spouses will have to make their own account.

Contact employeesupport@betenbough.com.

Reach out to employeesupport@betenbough.com.

Pharmacy benefits are managed through Medtipster. Visit medtipster.com to create an account. You will need your member ID, which can be found on your insurance card. You may contact Nurse Sam for additional help.

Loss or gain of coverage, marriage/divorce, adoption, birth of a new child. Contact employeesupport@betenbough.com to report a life event.

You can add a family member to your current plan, but you cannot change plan types completely.

Yes. The FSA is only employee funded, and the funds must be used by the end of the year.

Ameriflex is the default.

You can go to https://www.fsafeds.gov/explore/hcfsa/expenses to find what is eligible.