Finding the right care can be confusing and time-consuming. That’s why Five Below has partnered with Alight Solutions to provide you with a personal Health Pro® consultant who is on call to assist you and your family.
✓ Understand your benefits: Clear up any confusion about your health plan
✓ Schedule appointments: Get care from great providers at times that are most convenient for you
The Five Below medical plans include access to Cigna’s telehealth services. You can interact with in-network, U.S. board certified physicians 24 hours a day/365 days a year via secure video chat or phone. No need to leave your home or office! And no appointment necessary.
✓ Care from anywhere: Visit a doctor and get a prescription for common symptoms and illnesses
Five Below is committed to keeping our health plan costs affordable for our employees and our
company. Because tobacco use is a leading cause of preventable death in the U.S. and a major
contributor to avoidable health care expenses, we enforce a tobacco $50/month surcharge for
medical plan members who use tobacco*. That means if both you and your spouse on the medical
plan use tobacco, you could pay an extra $100 per month on your medical premium. Want to quit
and save on your medical premiums?
*For the purposes of this program, “tobacco” includes pipes, e-cigarettes, cigars,
cigarettes, and chewing tobacco.
In-Network Benefits | HDHP $1750 | HDHP $3500 | EPO $800 This plan is now In-Network Only |
---|---|---|---|
Preventive Care | Plan pays 100% | Plan pays 100% | Plan pays 100% |
Annual Deductible Individual/Family |
Embedded:
All family members contribute toward the family
deductible. An individual cannot have claims covered under the plan
coinsurance until the total family deductible has been satisfied.
$1,750 / $3,500 |
Embedded: $3,500 / $7,000 |
Embedded: $800 / $1,600 |
Out-of-Pocket Maximum Individual/Family |
$5,250 / $10,500 |
$6,750 / $13,500 |
$4,800 / $9,600 |
Company HSA Contribution | Up to $500 for Individual | Up to $1,000 for Family | Up to $500 for Individual | Up to $1,000 for Family | N/A |
Primary Care | You pay 20% after deductible | You pay 10% after deductible | $25 copay |
Specialist Visit | You pay 20% after deductible | You pay 10% after deductible | $50 copay |
X-ray and Lab | You pay 20% after deductible | You pay 10% after deductible | Diagnostic $50 copay Imaging: $250 copay |
Inpatient Hospital | You pay 20% after deductible | You pay 10% after deductible | $500 copay after deductible |
Outpatient Hospital | You pay 20% after deductible | You pay 10% after deductible | $250 copay after deductible |
Urgent Care | You pay 20% after deductible | You pay 10% after deductible | $75 copay |
Emergency Room | You pay 20% after deductible | You pay 10% after deductible | $250 copay after deductible, waived if admitted |
Retail Prescription (30-day supply)
Deductible Generic Preferred Brand Non-preferred Brand Specialty |
Pharmacy Deductible is combined with Medical $15 copay after deductible $45 copay after deductible $75 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $10 copay after deductible $40 copay after deductible $70 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $10 copay $40 copay $70 copay $150 copay |
Mail Order Prescription (90-day supply)
Deductible Generic Formulary/Brand Brand Non-preferred |
Pharmacy Deductible is combined with Medical $30 copay after deductible $90 copay after deductible $150 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $20 copay after deductible $80 copay after deductible $140 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $20 copay $80 copay $140 copay $150 copay |
Summary of Benefits and Coverage
Benefit Summaries
Summary Plan Description
Cigna Documents
Aetna
Kaiser
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.
Included in your W-2 income or subject to income taxes.
Not included in your W-2 income or subject to income taxes.
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.
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.
The percentage that you pay of a covered service.
A fixed dollar amount that you pay for a covered service at the time the service is provided.
The health care services that a plan will cover in part or in full based on plan documents.
The amount you pay for covered services in a plan year before the plan begins to pay benefits.
The day on which you’re eligible to participate in a Your Benefits plan.
Expenses incurred for a covered service.
A statement of proof of a person’s physical condition, occupation, or other factor affecting his or her acceptance for insurance coverage.
A drug that’s considered a “preferred choice” based on its effectiveness and cost.
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.
A Jack in the Box or Qdoba employee or eligible dependent who didn’t enroll in the benefit plan when first eligible to join.
Any licensed doctor, hospital, lab, or other health care provider that has contracted to provide members with comprehensive services at discounted rates.
A brand-name drug that isn’t on a plan’s formulary list.
A brand-name drug that isn’t on a plan’s preferred list.
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.
Any licensed doctor, hospital, lab, or other health care provider that is not part of a provider network.
October 1 through September 30.
A drug that’s considered a “preferred choice” based on its effectiveness and cost.
A doctor within an HMO network whom you’ve selected to coordinate your medical care.
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.
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 | HDHP $1750 | HDHP $3500 | EPO $800 This plan is now In-Network Only |
---|---|---|---|
Retail Prescription (30-day supply)
Deductible Generic Preferred Brand Non-preferred Brand Specialty |
Pharmacy Deductible is combined with Medical $15 copay after deductible $45 copay after deductible $75 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $10 copay after deductible $40 copay after deductible $70 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $10 copay $40 copay $70 copay $150 copay |
Mail Order Prescription (90-day supply)
Deductible Generic Formulary/Brand Brand Non-preferred |
Pharmacy Deductible is combined with Medical $30 copay after deductible $90 copay after deductible $150 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $20 copay after deductible $80 copay after deductible $140 copay after deductible $150 copay after deductible |
Pharmacy Deductible is combined with Medical $20 copay $80 copay $140 copay $150 copay |
MedImpact
In-Network Benefits | Cigna Dental HMO | Cigna Dental High PPO |
---|---|---|
Annual Deductible | $0 | $50 / $150 |
Calendar Year Maximum | Year 1: $1,000 Year 2: $1,150 Year 3: $1,300 Year 4: $1,450 |
Year 1: $1,250 Year 2: $1,400 Year 3: $1,550 Year 4: $1,700 |
Basic Services | Copay | 90% after deductible |
Major Services | Copay | 60% after deductible |
Orthodontic Services | N/A | 50% no deductible |
Orthodontia Lifetime Max | N/A | $1,000 |
Aetna
In-Network Benefits | Cigna Vision |
---|---|
Exam Copay | $10 exam |
Materials Copay | $20 |
Glasses Allowances | Single: Covered in full Bifocal: Covered in full Trifocal: Covered in full Lenticular: Covered in full |
Contacts | Elective: Up to $130 Therapeutic: Covered in full |
Frame Retail Allowance | Up to $130 every 12 months |
Aetna
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 FIVE BELOW, you can take it with you.
✓ 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
PayFlex
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.
✓ Contributions are pre-tax and are automatically deducted
✓ Funds do not rollover from year-to-year
PayFlex
The company provides a benefit of 2x base salary up to $500,000, $50,000, or $10,000 - depending on your eligibility class - of Basic Employee Life insurance for all eligible employees.
✓ 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
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.
✓ You are automatically enrolled
✓ The Disability plans pay 60% of the first $5,000 of Predisability Earnings, reduced by Deductible Income, up to a $3,000 weekly maximum before reduction by Deductible Income
✓ 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 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.
✓ You are automatically enrolled
✓ $16,667/month or $10,000/month maximum benefit, depending on eligibility class
✓ 60% of your weekly earnings paid
✓ Coverage begins after 180 days of disability
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.
✓ 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)
Company-Paid Benefits
MetLife
Your identity is important — it’s what makes you, you. You’ve spent a lifetime building your
name and financial reputation. Let us help you better protect it. And, we’ll even go one step
further and help you better protect the identities of your family.
Credit Lock
With online and in-app feature, lock your Equifax® credit report2 — and your child’s Equifax credit report — to help provide additional protection against unauthorized access to your credit.
More for Families:
The family plan helps you better protect your loved ones, with each adult getting their own account with all plan features. And, we offer more features that help protect minors than any other provider.
Dedicated Resolution Specialists:
If you become a victim, you don’t have to face it alone. One of our certified resolution specialists will fully manage the case for you until your identity is restored.
Five Below is offering you access to one of the nation's best pet benefits plans. Total Pet Program gives you access to the following:
✓ PetAssure
✓ PetPlus
✓ PetTag
✓ WhiskerDocs
✓ BarkBox
✓ Rover
Supplemental Life and Accidental Death & Personal Loss
Accident
Hospital Indemnity
Critical Illness
Universal Life
Supplemental Short-Term Disability
Legal
Transamerica
MetLife
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.
We offer the chance to build your investment portfolio by purchasing Five Below 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.
As a Five Below 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 exlusive
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.
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 Five Below.
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.
Manage your parenthood journey with Ovia Health! From preconception to returning to work and navigating life as a new parent, Ovia offers three apps to guide you on your journey.
Fertility:
Track your period, symptoms, moods and more! Receive accurate predictions for period and ovulation, connect with an anonymous community of women and read personalized summaries of your health and fertility.
Pregnancy:
Follow your baby's growth by tracking pregnancy, symptoms moods and more. Connect with other moms-to-be for support, check food and medication with safety lookups, and more.
Parenting:
Celebrate memories and milestones by inviting friends and family to follow along, upload photos and videos of precious moments, and track your child's growth and development.
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.
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.
Five Below offers this program to you and your immediate family (spouse or domestic
partner,
dependent children up to age 26) at no cost to you.
✓ Marriage and family problems
✓ Job-related issues
✓ Stress, anxiety and depression
✓ And more!
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.
✓ 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
LifeWorks
Compliance Notices
Medicare Part D Notice
Plan Document
Privacy
Summary of Benefits and Coverage
Summary Plan Documents
Wrap Summary Plan Document