FAQs

If you’re a new hire, you must enroll within 60 days of your date of hire or eligibility date.

If you’re a new hire and you don’t enroll within 60 days of your date of hire, you will not have any coverage. You won’t be able to enroll until the next Open Enrollment unless you have a qualifying status change.

You will not be able to make any changes until the next Open Enrollment unless you have a qualifying status change. Qualifying status changes include marriage, divorce, birth and adoption, and death of a dependent. You have 31 days from your qualifying status change to make changes and submit the documentation to support the change(s) requested (such as a marriage or birth certificate) in Workday.). Learn more here.

You enroll in or make changes to your TEAM benefits on the Workday Benefits Enrollment portal. It’s quick, accessible, secure and easy to use. You don’t need to be at work or on a TEAM computer to enroll. Learn more here.

Consider any medical needs you foresee for the upcoming plan year, your overall health, and any medications you currently take.

How does a PPO (Preferred Provider Organization) work?

• You’ll pay more in premiums, but perhaps less at the time of service.
• You can choose from a network of providers who offer a fixed copay for services.
• If you expect to need more medical care this year or you have a chronic illness, the PPO may be the right choice for you to ensure your healthcare needs are covered.

How does an EPO (Exclusive Provider Organization) work?

• You’ll pay less in premiums. (Think less money from your paycheck.)
• You must use healthcare providers within the plan’s network, except in cases of emergency or urgent care.

Learn more here.

1. Ask about generics. When your doctor prescribes a medication, find out if there’s a generic available. Generic drugs use the same active ingredients as brand-name equivalents but cost 80–85% less. To find out if there’s a generic equivalent for your brand-name drug, visit fda.gov. You can also visit curative.com/drugs for more information and see what’s covered. If your drug is not on the formulary, please call the Curative Customer Care number on your ID card.
2. Shop around. Pharmacies charge different amounts for drugs, and the costs can vary widely. Search for network pharmacies by logging on to curative.com/teaminc or calling the Customer Care number on your ID card.

Learn more here.

A preferred drug list (also called a formulary) is a list of prescription drugs that the medical plan has identified as offering the best value. Drugs are selected based on their efficacy, safety and cost-effectiveness. You’ll pay less for drugs are on this list.

Maintenance drugs are drugs you take for long-term or chronic conditions, such as insulin for diabetes or blood pressure medication. Curative medical plans offer savings when you get 90-day supplies of these medications.

You have two ways to get your prescriptions:

• Take advantage of mail order. Your medications will be delivered directly to you at home. To get started, visit curative.comn/teaminc, email health@curative.com or call 855-428-7284.
• Pick up your prescriptions at a nearby preferred retail pharmacy. Find one near you by visiting curative.comn/teaminc or by calling the Customer Care number on your ID card.

You can set aside pre-tax money each year into your Healthcare FSA to pay for IRS-approved healthcare expenses. This helps you save on taxes and increase your take-home pay. Using your Healthcare FSA is a smart way to make your benefit dollars go further.

No. You lose any Healthcare FSA money you don’t use by December 31 each year. You have until March 31 of the next year, to request reimbursement and file claims for the current year’s expenses. Any remaining amount will be forfeited. You can roll over $660 of unused funds to the next year. Learn more about the Healthcare FSA here.

You can contribute up to 75% of your eligible compensation, up to IRS limits. If you’ll be age 50 or older during the calendar year, you can make an additional catch-up contribution.

TEAM will contribute $.50 for every $1 you save, up to 6% of your pay. Both your pre-tax and Roth after-tax contributions will be matched. Save at least 6% to take advantage of the matching contribution!

Vesting means gaining ownership. You are always 100% vested in your contributions, rollover money and any investment earnings in those accounts. You gain ownership of TEAM’s contributions during the time you work for the Company. (See the chart below.)

You will automatically become 100% vested when you reach retirement age as defined by the Plan, in the event of your death or if you become permanently disabled while still employed at Company.

Pre-tax 401(k) contributions are deducted from your paycheck before federal income taxes are withheld. You pay taxes on these contributions and earnings when you withdraw the money from the plan.

Roth after-tax 401(k) contributions are deducted from your paycheck after federal income taxes are withheld. You will not pay taxes again on these contributions or on the earnings if you receive the money as a qualified distribution.

Learn more here.

Your beneficiary is the person or people you want to receive your account balance in the event of your death. You can elect your beneficiary by logging in to Fidelity NetBenefits at netbenefits.com. Make sure to have your beneficiary’s Social Security number handy.