HELLO ELEMENT FLEET
Welcome aboard!
Start your health journey with League. Our mission is to empower you to live a healthier, happier life. Our easy-to-use app brings together everything you need to manage your health benefits and reach your personal health milestones—all from your phone.
GET TO KNOW US
We’re here to make your life easier (and healthier).
Digital Wallet
All your coverage info, all in one place. Access benefits cards, carrier portals, submit claims, and benefits information.
Health Programs
A personalized health experience that arms you with relevant programs, content and services to help you hit your goals.
Care Team
Chat live with a registered nurse to get speedy help with any health questions or concerns.
Lifemarket
A curated Marketplace with exclusive offers and discounts on products and services that support your well-being.
MY PLANS
Let’s take a look at your plan options.
At League, we understand that one size never fits all. For that reason, we’ve created three separate health coverage plans with varying levels of coverage and flexibility. We want to be able to support the needs of our members (that’s you!) and your loved ones.
Looking for Out-of-Network coverage? Find your Out-of-Network plan details in the plan details document
Flexible
The Flexible plan offers a Health Savings Account (pre-tax!) and has the lowest premium payroll deductions with the highest deductible level to meet before the plan begins to pay for covered services.
Cigna
Hybrid
The Hybrid plan offers a Health Savings Account (pre-tax!) and is comparable to the 2019 medical plan offerings based on premium payroll deductions and moderate deductible level.
Cigna
Comprehensive
The Comprehensive plan offers a copay-driven plan option and has the highest premium payroll deductions with the lowest deductible level out of the three medical plan offerings.
Cigna
Family: $6,000
Family: $4,000
Family: $2,000
Family: $12,000
Family: $12,000
Family: $12,000
Preferred Brand: 30% coinsurance after deductible ($125 maximum)
Non-Preferred Brand: 50% coinsurance after deductible ($150 maximum)
Preferred Brand: 30% coinsurance after deductible ($125 maximum)
Non-Preferred Brand: 50% coinsurance after deductible ($150 maximum)
Preferred Brand: 30% coinsurance after deductible ($125 maximum)
Non-Preferred Brand: 50% coinsurance after deductible ($150 maximum)
Family: $1,500
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead
Family: $1,000
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead and are not eligible to make individual contributions
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead and are not eligible to make individual contributions
Flexible
The Flexible plan offers a Health Savings Account (pre-tax!) and has the lowest premium payroll deductions with the highest deductible level to meet before the plan begins to pay for covered services.
-
In-Network Deductible
Individual: $3,000
Family: $6,000 -
Out-of-Pocket Maximum
Individual: $6,000
Family: $12,000 -
Prescription Drugs (In-Network Retail): Provided by Express Scripts
Generic: $10 copay after deductible
Preferred Brand: 30% coinsurance after deductible ($125 maximum)
Non-Preferred Brand: 50% coinsurance after deductible ($150 maximum) - Primary Care Visit 20% after Deductible
- Specialist Visit 20% after Deductible
- Preventative Care No charge
- Urgent Care 20% after Deductible
- Emergency Room 20% after Deductible
-
Health Savings Account (HSA) Company Contribution
Individual: $750
Family: $1,500
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead -
HSA Individual Contribution
Yes
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead and are not eligible to make individual contributions
Hybrid
The Hybrid plan offers a Health Savings Account (pre-tax!) and is comparable to the 2019 medical plan offerings based on premium payroll deductions and moderate deductible level.
-
In-Network Deductible
Individual: $2,000
Family: $4,000 -
Out-of-Pocket Maximum
Individual: $6,000
Family: $12,000 -
Prescription Drugs (In-Network Retail): Provided by Express Scripts
Generic: $10 copay after deductible
Preferred Brand: 30% coinsurance after deductible ($125 maximum)
Non-Preferred Brand: 50% coinsurance after deductible ($150 maximum) - Primary Care Visit 20% after Deductible
- Specialist Visit 20% after Deductible
- Preventative Care No charge
- Urgent Care 20% after Deductible
- Emergency Room 20% after Deductible
-
Health Savings Account (HSA) Company Contribution
Individual : $500
Family: $1,000
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead -
HSA Individual Contribution
Yes
Note: If you are 65 or older and enrolled in Medicare, you will be enrolled in a Health Reimbursement Arrangement (HRA) instead and are not eligible to make individual contributions
Comprehensive
The Comprehensive plan offers a copay-driven plan option and has the highest premium payroll deductions with the lowest deductible level out of the three medical plan offerings.
-
In-Network Deductible
Individual: $1,000
Family: $2,000 -
Out-of-Pocket Maximum
Individual: $6,000
Family: $12,000 -
Prescription Drugs (In-Network Retail): Provided by Express Scripts
Generic: $10 copay after deductible
Preferred Brand: 30% coinsurance after deductible ($125 maximum)
Non-Preferred Brand: 50% coinsurance after deductible ($150 maximum) - Primary Care Visit $20 Copay
- Specialist Visit $40 Copay
- Preventative Care No charge
- Urgent Care $100 Copay
- Emergency Room $200 Copay after Deductible
- Health Savings Account (HSA) Company Contribution Not eligible
- HSA Individual Contribution Not eligible
Traditional Dental Plan: No network; same benefits regardless of provider
Cigna
Incentive DPPO Plan: In- and out-of-network (Total Cigna DPPO Network)
CIgna
DHMO Plan: In-network coverage only (Cigna Dental Health)
Cigna
Family: $100
Family: $100
Family: n/a
Anterior Resin/Composite: 0% coinsurance
Posterior Resin/Composite: $47 Copay
Pontic (cast noble metal): $365 Copay
Recement Inlays: $12 Copay
Adult: $2,904 ($121/mo)
Child: $2,184 ($91/mo
Traditional Dental Plan: No network; same benefits regardless of provider
-
In-Network Deductible
Individual: $50
Family: $100
- Annual Maximum Benefit $1,500
- Preventive & Diagnostic Care 0% coinsurance, no deductible
- Basic Restorative Care 20% coinsurance after deductible
- Major Restorative Care 50% coinsurance after deductible
- Orthodontia (Employee and All Dependents) 50% coinsurance after deductible
- Lifetime Orthodontia Maximum $1,500
Incentive DPPO Plan: In- and out-of-network (Total Cigna DPPO Network)
-
In-Network Deductible
Individual: $50
Family: $100
- Annual Maximum Benefit $1,500
- Preventive & Diagnostic Care 0% coinsurance, no deductible
- Basic Restorative Care 20% coinsurance after deductible
- Major Restorative Care 50% coinsurance after deductible
- Orthodontia (Employee and All Dependents) 50% coinsurance after deductible
- Lifetime Orthodontia Maximum $1,500
DHMO Plan: In-network coverage only (Cigna Dental Health)
-
In-Network Deductible
Individual: n/a
Family: n/a - Annual Maximum Benefit n/a
- Preventive & Diagnostic Care 0% coinsurance
-
Basic Restorative Care
Amalgam (1 surface): 0% coinsurance
Anterior Resin/Composite: 0% coinsurance
Posterior Resin/Composite: $47 Copay -
Major Restorative Care
Crown (porcelain/ceramic): $415 Copay
Pontic (cast noble metal): $365 Copay
Recement Inlays: $12 Copay -
Orthodontia (Employee and All Dependents)
24-Month Periodic Treatment Fees (billable monthly):
Adult: $2,904 ($121/mo)
Child: $2,184 ($91/mo - Lifetime Orthodontia Maximum See Fees Above
Voluntary Vision Plan
VSP
Voluntary Vision Plan
- Exam $0 copay (every calendar year)
- Materials $20 copay
- Eyeglass Lenses Covered after Materials Copay (every calendar year)
- Elective Contact Lenses Allowance after Materials Copay (every calendar year)
- Frame Retail Allowance Up to $170 ($95 at Costco), then 20% savings over allowance (every other calendar year)
Also included with your benefits:
- Life, Accidental Death & Dismemberment (AD&D), Short- and Long-Term Disability
- Spending Accounts for Medical plans and Dependent Care
- Employee Assistance and Travel Assistance Programs
- Additional Health Programs: Cigna MotivateMe, Cigna Healthy Pregnancies, Healthy Babies, Cigna Telehealth, Cigna Omada, ReThink
- Voluntary benefits: Supplemental Life and Accidental Death & Dismemberment (AD&D), Accident Insurance, Critical Illness
Too much lingo? We want to make it easier for you.
HOW TO ENROLL
What’s next?
Once you’ve looked over your plan options and found the perfect fit, you can enroll with League and make your plan elections.
STEP 1
Check your email
Find your League invite in your inbox.
STEP 2
Create an account (if you haven't already)
Follow the instructions and the link in our email (then you’re in!).
STEP 3
Select your plan
Follow our step-by-step instructions to make your plan elections.
Considerations for Premium Discount and Surcharges:
Wellness Premium Discount: By completing the Cigna health assessment and biometric screening, employees can earn a preferred premium rate that discounts medical premiums.
Tobacco Surcharge: a tobacco use surcharge will be applied to medical contribution rates for employees and their dependents who use tobacco products.
Spouse Surcharge: If your spouse/domestic partner has coverage available to them through their employer and you elect to enroll them in Element Fleet coverage, you will be assessed a surcharge on your medical contribution rates.
FAQ
Questions?
We get it – health insurance isn’t exactly the easiest topic to navigate. We’ve got you covered! Here are the answers to some of our most commonly asked questions:
What are the coverage differences for each plan and why do they have different costs?
League & Element Fleet are excited to share three different health insurance plan offerings that allow you to make the best decision for you and your family. These three plans provide greater flexibility in allowing you to choose what you need from your health insurance. Each plan can be utilized to make the most out of the differing coverage.
Flexible offers the least amount of insurance coverage through Cigna with the lowest payroll deductions. This plan includes in-network deductibles of $3,000 individual / $6,000 family with 20% member coinsurance after deductible. Additionally, Option 1 includes a $750 individual / $1,500 family employer contribution into your Health Savings Account (HSA), with the opportunity to earn additional HSA dollars through the Cigna MotivateMe Program for this plan.
Hybrid offers moderate coverage with Cigna and has comparable payroll deductions to the current medical plan offerings. This plan includes in-network deductibles of $2,000 individual / $4,000 family with 20% member coinsurance after deductible. Additionally, Option 2 includes a $500 individual / $1,000 family employer contribution into your Health Savings Account (HSA), with the opportunity to earn additional HSA dollars through the Cigna MotivateMe Program for this plan.
Comprehensive offers the highest amount of medical coverage with Cigna, and therefore has the highest cost associated with it (premium paid through a payroll deduction). This plan includes in-network deductibles of $1,000 individual / $2,000 family with copayments and 20% member coinsurance after deductible. You have the opportunity to earn rewards into a Lifestyle Spending Account (LSA) through the Cigna MotivateMe Program for this plan.
Just like you and your needs, each plan is different. There are many factors to take into consideration when selecting a plan. If you have any questions about understanding the plans, please chat with us on the League app or reach out to help@league.com.
When can I change my plan elections outside of this enrollment time period?
The only time you can change your health insurance coverage is when you experience a Qualifying Life Event like getting married or adding another member to your family!
What is a Health Savings Account?
A Health Savings Account (HSA) is a tax-advantaged account that is administered through Bank of America if you select the Flexible plan or the Hybrid plan (if you are under age 65 or not enrolled in Medicare). You can apply HSA funds toward a wide range of qualified health-related expenses and funds roll over from year to year. HSAs are administered in accordance with US IRS guidelines. Money contributed to this account is on a pre-tax basis!
What is a Health Reimbursement Arrangement?
If you are 65 or older, enrolled in Medicare, and enrolled in the Flexible or Hybrid medical plans, you will receive a Health Reimbursement Arrangement (HRA) instead of the HSA. The HRA is funded by employer contributions only and can be used to pay for qualified healthcare expenses. Any unused funds at the end of the year will be rolled over to the following year. Employees have one year to file a claim for reimbursement for the prior year’s services and still be reimbursed.
How much do I pay for these medical plans and how much is covered by my company?
Your employer covers approximately 85% of the annual premium for the Flexible plan, 75% of the annual premium for the Hybrid plan, and 65% of the annual premium for the Comprehensive plan.
Therefore, you’ll be paying approximately 15% of the annual premium for the Flexible plan, 25% of the annual premium for the Hybrid plan, and 35% of the annual premium for the Comprehensive plan.
Where can I see my payroll deductions?
You can see the payroll deductions while in the enrollment experience making your elections on the League platform. Once you’ve submitted your elections, you’ll be able to see your payroll deductions based on the elections you’ve made on the summary page.
What is a Lifestyle Spending Account and what can I use it for?
If you enroll in the Comprehensive medical plan, you can earn rewards through the Cigna MotivateMe Program that are deposited into the Lifestyle Spending Accounts (LSA). LSA funds can be used to cover services and products that help you live a healthier life such as gym memberships, yoga, meditation, etc. Money spent from this account is a taxable benefit and you only are taxed on the funds you actually use. League is the administrator of your LSA (instead of an insurance carrier) meaning that all claims are submitted directly through your League app.
If you are enrolled in the Flexible or Hybrid medical plans, the rewards you earn through the Cigna MotivateMe Program are deposited into your HSA (or HRA if you are 65 or older and enrolled in Medicare).
Learn more about League
Tell us a bit about yourself and your company. We’ll follow up with you as soon as we get your info.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.