ONLINE BENEFITS DIRECTORY

Wellness

 Wellness For Life

JM Smith Corporation wants to encourage employees to take care of their health. Your health is of great value to JM Smith. All preventive care below is covered under the plan at 100%, including an annual physical.

Mammograms: The American Cancer Society and the Mayo Clinic advise women to begin having annual mammograms at age 40. Women in their 20s and 30s are advised to have a clinical breast exam about every three years. Women 30 and older also should have an annual clinical breast exam. If your mother had breast cancer, it is recommended that you get a mammogram in your 30s.

Pap Tests: Women should get screened for cervical cancer about 3 years after they start having vaginal sex, according to the American Cancer Society. They should also get a screening no later than 21 years old.

PSA (Prostate): Certain people are more at risk for prostate cancer, including African
Americans and those who have a family history of the disease. A prostate exam is
recommended once a man is at age 40. Major risk factors for prostate cancer include age, race, and family history.

Annual Physical

Colonoscopy: Adhering to colon cancer screening guidelines is one of the best ways to prevent colon cancer. In general, your risk of developing colon cancer increases as you age. If this is your only risk factor, you are considered “average risk.” Other factors in your personal and family medical history may increase your risk. The simplest way for average-risk individuals to prevent colon cancer is to receive colon cancer screening starting at age 50 and continuing through age 75.

Optional but recommended screenings:

Vision: The American Academy of Ophthalmology recommends everyone has a complete eye exam once in your 20s and twice in your 30s if you have good vision and healthy eyes. Those who wear contact lenses should see an eye specialist every year. The Academy recommends a baseline eye disease screening at 40 and a complete eye exam annually or every two years after age 65.

Hearing: A hearing exam is recommended in order to diagnose hearing loss. This exam will include a variety of tests to ensure understanding speech and ability to identify tones. There are some tests performed in a physician’s office that do not qualify under the JMSC preventive measure coverage of 100%. There is coverage for these tests, however they may be subject to the deductible and coinsurance. Such tests include but are not limited to: XRays, EKGs, and anything resulting in a diagnostic procedure.

SURCHARGES: JMSC charges employees a surcharge in order to encourage good health practices.

  • $50 per month if you are a tobacco user
  • “No Tobacco” means no use of cigarettes, chewing tobacco and all types of smoke-less tobacco.

Anyone hired in 2019 before July 1, 2019 must quit smoking in 2019 in order to meet requirements.  Those hired after July, 1, 2019 will have until the following term to comply, i.e. – they have the remainder of 2019 and all of 2020 before the surcharge applies.

  • $50 per month if you do not have your preventative care completed. NOTE – Preventative care is covered 100% by JMSC.

Life Management

At J M Smith Corporation, we strive to be a “healthy company.” The health and wellness of all J M Smith Corporation employees and their families is important to us. Our comprehensive medical insurance and wellness programs help employees and their families achieve personal health success.

If you have diabetes, hypertension, hyperlipidemia, or CAD, you and/or covered spouse are eligible to enter a voluntary education and improvement program. If you are “compliant” with the program you receive medications at a discount –

Generics – free
Brand – You pay 20%, Plan pays 80%

How to be compliant*

You must set up monthly appointments with the Proactive MD practitioner at your location (regional employees: with the Proactive MD practitioner that has been assigned to you). It is YOUR responsibility to initiate these monthly appointments. If you do not comply with your monthly appointments, you will NOT receive free medications. You and your Proactive MD practitioner will set goals once you initiate your first appointment

*Compliancy is tracked once a quarter. For example: If you do NOT make your MONTHLY appointments for January, February and March (all three months, not one, not two) – you will NOT receive your FREE medications for April, May, June.

Together, we can accomplish these goals by learning about healthy lifestyles choices, taking advantage of annual physicals, wellness checkups, and working to control the costs associated with our medical insurance program.

It is important that you understand from the start, J M Smith Corporation will not have access to your medical records. You will maintain strict privacy between you and your healthcare professional and health coach.

If it is unreasonably difficult for you to participate in any of our wellness programs, please see HR, and we will work with you to find an alternate.