Medical
Enroll

Wait, what does that word mean?

Contacts

Benefits Resource Center

888-857-0352

mlfbenefits@ajg.com

MLF Benefits Team

574-453-4133

rboyn@mapleleaffarms.com


Benefits can be confusing. Use this glossary to understand common terms you may see when comparing plans or using care.

Payroll deduction

The amount you pay from your paycheck to be enrolled in medical, dental, vision, or other benefits.

Deductible

The amount you pay before the plan begins to pay for certain covered services.

Copay

A fixed dollar amount you pay for a covered service or prescription.

Coinsurance

The percentage of covered costs you pay after meeting applicable deductible requirements.

Out-of-pocket maximum

The most you pay in a plan year for covered services before the plan pays 100% of covered expenses.

In-network

Doctors, hospitals, clinics, and other providers that have an agreement with the plan. You usually pay less in-network.

Out-of-network

Providers that do not participate in the plan’s network. You usually pay more out-of-network.

Balance billing

When a provider bills you for the difference between the provider's charge and the allowed amount.

Formulary

A list of prescription drugs covered by the plan.

Generic medication

A medication with the same active ingredients, dosage, and strength as a brand-name medication.

Preferred drug

A prescription drug preferred by the plan based on effectiveness and cost.

Evidence of Insurability

A medical questionnaire or documentation of good health that may be required for certain insurance coverage.

Explanation of Benefits

A statement from the carrier showing services received, what the plan paid, and what the member may owe.

FSA

A Flexible Spending Account used to pay certain eligible out-of-pocket health or dependent care expenses with pre-tax dollars.

HSA

A Health Savings Account available with the HDHP that can be used for eligible health expenses and can roll over year to year.

Help & support

Need help?
This page is a general overview. Your exact benefits, costs, coverage start dates, and eligibility rules may depend on your employee group, plan election, coverage level, and pay frequency. It is your responsibility to review your benefits, coverage elections, and covered dependents. Review your official benefit guide or highlight document, confirm your elections in UKG, or contact the Benefit Resource Center for help.

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Benefits Department Contact

Regan Boyn

574-453-4133

rboyn@mapleleaffarms.com

Your exact benefit details may depend on your employee group. For payroll deductions, coverage start dates, HSA match amounts, and certain life/disability benefits, review the benefit guide or highlight document that applies to you.

Important: Payroll deductions vary by employee group and coverage level. Review your employee-specific benefit highlight or guide before making elections.

This website is intended for illustration and informational purposes only. The plan documents, insurance certificates and policies will serve as the governing documents to determine plan eligibility, benefits and payments. In the case of conflict between the information in this booklet and the official plan documents, the plan documents will always govern.