Betenbough is still under the Cigna network, so if your provider was in-network through Marpai (2025 partner), they should still be considered in-network under Sage, unless the provider themselves has separated from that network. For insurance verification, have your doctor call the number on your insurance card.

Cigna is our Network Provider

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. Once you have reached your Out-of-Pocket maximum for the year, Betenbough begins paying 100% of your medical expenses.

The $3000 deductible applies to an employee only election, and the $6000 deductible applies to all other elections (employee +spouse, employee +children, employee+family).

Those not enrolled in a high-deductible health plan
Those enrolled in Medicare, TRICARE, or TRICARE for Life
Those who have received benefits from the VA in the past three months
Those who are claimed as a dependent on someone else’s tax return Those enrolled in an HRA (Health Reimbursement Arrangement)

You will be automatically enrolled with Ameriflex. If you wish to hold your HSA with a different institution, reach out to employeesupport@betenbough.com.

Visit https://www.irs.gov/publications/p502 to see eligible expenses.

There is a maximum contribution amount per year, but not an overall cap on how much money can accumulate in the account.

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

The HSA belongs to the account holder. They can spend HSA dollars tax-free on qualified medical expenses for:

• Themselves
• Their spouse
• Their tax dependents (as defined by the IRS), even if those people aren’t covered by the same health plan.

No, however, you can still use the funds that you’ve accumulated in your HSA.

• HDHP Has a higher deductible. HDHPs are a good choice for people who are generally healthy and don't need frequent care. You can have an HSA on the HDHP and receive bi-weekly contributions from Betenbough. Those funds can be used towards qualifying medical expenses.
• PPO Has a lower deductible. PPOs are a good choice for people who need regular medical care or medications. Under the PPO plan, you pay co-pays at the time of your visit that apply towards your deductible and out-of-pocket maximum. This is helpful if you like to know what you’ll be expected to pay to your provider at the time of the visit. By contacting Collaborative Care, you could potentially have some co-pays waived by seeing the provider they recommend you to.

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

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.

Collaborative Care can be found in your contacts on your company-issued cell phone. The number to reach Collaborative Care can also be found on your medical ID card.

Collaborative care will provide you with the best options for care at the best price. They can help you make informed decisions about your health and recommend top-tier providers while also potentially waving certain co-pays when you call in advance and schedule care with their recommended provider. For example, if your physician orders an MRI, contact Collaborative Care so that they can work with you to find the most affordable care option.

Our Telehealth provider can be accessed through the Fold Care app loaded on your company-issued phone.

ID cards can be located inside the Fold Care app on your company issued cell-phone.

Pharmacy benefits are managed through Rescrybe. You can find the contact info for Rescrybe by contacting Collaborative care under your contacts in your company issued phone. You will need your member ID, which can be found on your insurance card.

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.

Visit https://www.fsafeds.gov/explore/hcfsa/expenses to find what is eligible.

If you opt in to pay cash price, you can still submit the receipt to insurance and it will be counted towards your deductible.

All full-time employees and their families whether you are enrolled in benefits or not are eligible for the wellness plan.

FMLA guarantees you can return to your job or an equivalent position with same pay/benefits after leave. Applies to medical leave and maternity leave