Overview

To support your health and financial wellness, Masonite provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.

2021 medical plans

Masonite offers you a choice of medical plans with a range of coverage levels and costs, so you have the flexibility to select the option that’s best for you.

We encourage you to take a consumer approach when reviewing your three medical plan options, carefully comparing the features and costs, before making the best choice for you and your family.

Plan Description
Basic Health Savings Account Plan A plan that puts you in charge of your spending through lower premiums, higher deductibles, and a tax-free Health Savings Account (HSA) (with contributions from Masonite) that you own for life.
Health Savings Account Plus Plan
A plan with all the same advantages of the Basic HSA Plan, plus higher company contributions to your HSA and reduced out-of-pocket responsibility through a lower deductible, but higher premiums.
PPO Plan
A plan that offers greater predictability of costs through copays for doctor’s visits and prescriptions, along with a low deductible and higher premiums.
Compare the plans

Key features

All our medical plans offer:

  • Choice of providers, including the flexibility to see any physician you choose, either in or out of the plan’s network. However, keep in mind that in-network physicians have agreed to a set rate for services. If you use an in-network provider, your out-of-pocket costs will be considerably lower. If you use an out-of-network provider, you’ll pay a higher deductible and a higher percentage of the fees for services.
  • Comprehensive, affordable coverage for a wide range of health care services. Tip: If you’d like extra protection from large or unexpected medical expenses, you may want to consider one or more supplemental insurance policies through Allstate. These plans don’t cost much and can help cover expenses due to accidents, hospitalizations, and critical illnesses.
  • Free in-network preventive care, with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
  • Telemedicine services through LiveHealth Online that connect you with a health care provider by phone or secure video for non-emergency health care concerns at a lower cost than an office visit.
  • Prescription drug coverage provided by OptumRx, automatically included with every medical plan.
  • Financial protection through annual out-of-pocket maximums that limit the amount you’ll pay each year.

Plan Comparison

  Basic HSA Plan HSA Plus Plan PPO Plan
HSA-eligible Yes Yes No
Company contribution to HSA $350 for employee-only coverage; $700 for family coverage $600 for employee-only coverage; $1,200 for family coverage None
In-network care: Your costs
Individual/
family deductible
$2,000/$4,000 $1,500/$3,000 $700/$1,400
Individual/
family out-of-pocket maximum
$5,000/$10,000 $4,500/$9,000 $4,500/$9,000
Coinsurance (applies after meeting deductible)
You pay 20%, plan pays 80%
Office visit — Preventive care
Covered at 100% in-network, so you pay nothing*
Office visit — Primary care You pay 20% after deductible
You pay 20% after deductible
You pay $30 copay
Office visit — Specialist 
You pay 20% after deductible You pay 20% after deductible You pay $60 copay
Office visit – Chiropractor
(60 visits per year)
You pay 20% after deductible You pay 20% after deductible You pay $60 copay (services requiring adjustments/manipulation subject to deductible and coinsurance)
Telemedicine Physical Health You pay 20% after deductible up to $59 You pay 20% after deductible up to $59 You pay $15 copay
Telemedicine (Behavioral Health) You pay 20% after deductible You pay 20% after deductible $30
Urgent care visit You pay 20% after deductible You pay 20% after deductible You pay $60 copay
Emergency room visit You pay 20% after deductible You pay 20% after deductible You pay $200 copay
Hospital (inpatient or outpatient) You pay 20% after deductible
Mental health and substance abuse (inpatient) You pay 20% after deductible
Mental health and substance abuse (outpatient) You pay 20% after deductible You pay 20% after deductible You pay $30 copay

*There is no cost if only a preventive exam is performed. If any other services are provided during the visit for new or ongoing health concerns, the visit may be billed as diagnostic and subject to the applicable charge for your plan.

iconWorking spouse/domestic partner program

If your spouse/domestic partner has group medical insurance coverage available elsewhere but chooses our program, $20 will be added to your biweekly premiums each pay period. This helps Masonite to continue to offer comprehensive and affordable coverage for our employees.

This does not apply to dependent children. You will have to attest to the fact that your spouse/domestic partner is not eligible for group health coverage through his/her own employer.

iconNon-tobacco rate for all medical plans

If you and your dependent have been tobacco free for the past six months, you will be able to participate in the medical plan at the lower non-tobacco rate. Once you have been tobacco free for six consecutive months you may contact OSV at 1-855.65.MASON or send an email to MployeeCentralBenefits@onesourcevirtual.com.

HSA Plans

An HSA Plan is a high deductible health plan that offers lower premiums together with a Health Savings Account (HSA). An HSA allows you to pay for current or future eligible medical expenses tax-free. As an added bonus, Masonite will contribute to your HSA! Money in your HSA can be carried forward from year to year and is always yours to keep.

How the HSA plans work

  • You receive in-network preventive care at no cost. This includes annual physicals, immunizations, and recommended screenings.
  • For nonpreventive medical care and prescriptions, you pay the negotiated costs until your deductible is met. Remember, Masonite’s annual contribution to your HSA, as well as your own pre-tax HSA contributions, will help you pay for your out-of-pocket costs.
  • Once you satisfy the deductible, you’ll pay a percentage of your covered medical expenses; this amount is called your coinsurance.
  • If your deductible and coinsurance expenses reach the out-of-pocket maximum, then the plan pays 100% of your eligible expenses for the rest of the year.

Use your HSA plan wisely

Here are ways to make the most of your plan all year long.

Track your stats. Log in to the Anthem website to see how much of your deductible you’ve met, review claims, use helpful tools, and more. Likewise, keep tabs on your HSA by logging in to the Discovery Benefits website to view your balance, submit claims, and more.

Think about your costs. You pay lower premiums in exchange for assuming more financial responsibility when you receive care, so it’s smart to plan ahead. Try to contribute enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance.

Change your contributions anytime. You can adjust your contributions as necessary during the year, to keep your savings on track with your anticipated expenses. Note: You can only spend HSA contributions that have actually been deposited into your account.

Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.

PPO Plan

The PPO Plan offers lower out-of-pocket costs in exchange for higher premiums. With this plan, your costs are more predictable, but you’ll likely still have out-of-pocket expenses. Instead of an HSA, this plan allows you to contribute pre-tax money to a Health Care Flexible Spending Account (FSA).

How the PPO Plan works

  • You receive in-network preventive care at no cost. This includes annual physicals, immunizations, and recommended screenings.
  • For nonpreventive doctor’s visits and generic prescriptions, you pay a flat copay without needing to meet the deductible.
  • For most other health care services, you pay 100% of the negotiated costs until you meet the annual deductible.
  • Once you satisfy the deductible, you’ll pay a percentage of your covered medical expenses; this amount is called your coinsurance.
  • If your deductible and coinsurance expenses reach the out-of-pocket maximum, then the plan pays 100% of your eligible expenses for the rest of the year.

Use your PPO Plan wisely

Here are ways to make the most of your plan all year long.

  • Track your stats. Log in to the Anthem website to see how much of your deductible you’ve met, review claims, and more.
  • Pair it with a Health Care FSA. If you enroll in the Health Care FSA, you can set aside pre-tax dollars to help pay for your out-of-pocket costs. Keep in mind, the money in your FSA does not carry over to the next plan year; you must “use it or lose it.”
  • Be cost-conscious. Visit the Anthem website to search for in-network providers and use the tools to compare costs for medical services.

Telemedicine

Did you know you can speak with a doctor for less than the cost of an office visit?

LiveHealth Online provides you and your eligible dependents with 24/7/365 access to board-certified doctors and licensed therapists by secure video or phone. You can be at home, at work, or traveling — it’s the most convenient way to see a doctor.

LiveHealth Online’s telemedicine program is easy to use, secure, confidential, and compliant with all medical privacy regulations.

Get started

To request an appointment, visit the LiveHealth Online website or call 1-888-548-3432. You can also download the app at www.lifehealthonline.com/getapp.

How it works

  • No need to drive and spend time waiting in your doctor’s office. It’s virtual care from anywhere! Just pick up your smartphone or turn on your computer.
  • Use LiveHealth Online for non-emergency issues when your doctor is not available, or just when it’s more convenient to speak to a doctor by phone or online.
  • When you contact LiveHealth Online, a coordinator or the system will help you to determine if you need to speak with a doctor. In some cases, the doctor may be able to diagnose a condition and prescribe medication.
icon What can Live Health Online help you with?

Contact LiveHealth Online for convenient medical consultation anytime you or a covered dependent experiences a non-emergency health concern, such as:

  • Allergies
  • Bronchitis
  • Asthma
  • Earaches/ear infection
  • Headache
  • Cold/flu/fever
  • Sore throat
  • Insect bites or rash
  • And much more!

Health Advocate

Health Advocate is FREE to all Masonite employees and their families (including parents-in-law), even if you are not in one of Masonite’s medical plans.

Think of Health Advocate as your personal health coach. The service is designed to save you time and money by helping you navigate complex health care and insurance-related issues, such as finding a doctor, researching treatment options, or resolving insurance claims.

Get started

To contact a health advocate, visit Health Advocate or call 1.866.695.8622.

Services provided

  • Benefits enrollment guidance for you, your family, and extended family members
  • Find doctors, dentists, hospitals, and other health care providers
  • Address complex medical conditions; research and locate newest treatments
  • Coordinate care and schedule follow-up visits with your medical team and expedite appointments
  • Arrange specialized treatments and tests; answer questions about results, treatments, and prescribed medication(s)
  • Clarify benefits, including copays, and help facilitate access to appropriate care
  • Provide health cost estimates for common medical procedures for informed decisions
  • Offer personal contact with a nurse and web-based health information to support treatment decisions
  • Help resolve insurance claims and negotiate billing
  • Locate elder care including assisted living and adult day care and assist with other issues facing parents and parents-in-law

Wellness Incentive

You can receive a $20 incentive in each paycheck, simply by getting your annual physical.

Just follow these three easy steps:

  1. See your doctor and get an annual physical exam — it’s FREE!
  2. Have your doctor’s office complete a simple form confirming you had your physical exam.
  3. Your wellness credit expires 14 months from the date of your last physical. Be sure to have a new exam and bring your completed form to Human Resources.

Get started

Download a copy of the Annual Physical certification form English/Spanish version or visit your local Human Resources office for details.

Prescription Drugs

When you enroll in a Masonite medical plan, you automatically receive prescription drug coverage through OptumRx.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the tier of the medication:

  • Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
  • Formulary drugs are brand-name medications that are favored by a prescription plan based on drug effectiveness and cost.
  • Non-formulary drugs are brand-name medications that are not on a prescription plan's favored list (or formulary) based on drug effectiveness and cost. They may still be covered, but may require prior authorization and cost more.

Prescription coverage details

  Basic HSA Plan HSA Plus Plan PPO Plan PPO Plan
Deductible Rx included in medical deductible
Out-of-pocket maximum Medical and Rx maximum combined
Prescription drugs Retail or mail order Retail (up to 31-day supply) Mail order (90-day supply)
Generic drugs You pay 20% after deductible (in-network); 50% after deductible (out-of-network) You pay $15 copay You pay $30 copay
Formulary drugs You pay 20% after deductible (in-network); 50% after deductible (out-of-network) You pay $40 copay after deductible You pay $80 after deductible
Non-formulary drugs You pay 20% after deductible (in-network); 50% after deductible (out-of-network) You pay $55 copay after deductible You pay $110 after deductible
Specialty drugs You pay 20% after deductible (in-network); 50% after deductible (out-of-network) You pay 20% after deductible (up to $150 maximum) Not covered
Maintenance drugs Contact OptumRx for a complete list of maintenance medications available without meeting your deductible and with no co-insurance — FREE!    
Smoking cessation medications and specific diabetes medications and supplies FREE IN EACH PLAN
(Contact OptumRx for a list of eligible medications before filling your prescription)

Save money

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save:

  • Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet typically cost between 30% and 75% less than brand-name drugs.
  • Use the mail order feature. If you regularly take medication to treat a long-term condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and money-saving option for you. Your prescription plan covers three fills of maintenance medications at participating retail pharmacies. After that, prescriptions for long-term medications are required to be filled via mail order or by visiting a CVS pharmacy for a 90-day supply.

Employee Assistance Program (EAP)

To help you with personal decisions and needs, Masonite provides you and your immediate family free access to the EAP through ComPsych. This confidential program can help you find services and answers your questions regarding health care, legal issues, mental health, substance abuse, and more.

The EAP includes:

  • 24-hour, 365-day telephone access for consultation or crisis intervention
  • Up to five free telephonic or face-to-face behavioral counseling visits per issue per year
  • Child care, elder care, pet care consultation and referral
  • Family crisis support services
  • Legal consultation on most legal issues
  • Other services

Get started

Visit the ComPsych EAP website to create your own personal username and password.

If you’re a first-time user, you’ll be asked to register and provide the following information on the profile page:

  1. In the Company/Organization field, use: Masonite.
  2. Then, create your own confidential username and password.

Key Terms

Deductible – The amount you pay toward covered services each year before the plan begins paying benefits.

Copayment/copay – A flat fee that you pay for health care services at the time they’re received regardless of the actual amount charged by your doctor or provider. This generally applies to physician office visits and prescription drugs.

Coinsurance – The portion of covered expenses that you must pay for care, after first meeting a deductible. This is typically a percentage of negotiated costs.

Out-of-pocket maximum – The most you have to pay each year for health care services. Your deductible and prescription drug coverage count toward your out-of-pocket maximum in all three medical plans.

COBRA – A federal law that allows workers and dependents who lose their medical, dental, vision and/or FSA coverage to continue group coverage for a specific length of time by paying the full cost of those selected coverages.