HEY LUSHIES

Welcome back!

Get ready to re-enroll in your benefits with League. You have between May 8 and May 19 to complete your selections. This enrollment is mandatory; you must complete enrollment in order to receive coverage for the 2023-2024 plan year. 

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 or your computer.

Scroll down for more information about your benefits.

GET TO KNOW US

We’re here to make your life easier (and healthier).

Our easy-to-use digital platform has everything you need to take care of your health and your benefits, all in one place. See your coverage, find health resources, take advantage of exclusive member offers, get personalized support, and create healthy habits. Here’s a recap of all the features you have access to:

  • league digital wallet mockup

    Digital Wallet

    All your benefits coverage and information about your perks, all in one place.

  • device with health programs

    icon of phone with a heart Health Profile & Programs

    Based on your health profile, receive recommended programs with daily tasks that inspire healthy choices.

  • Device - care team screen

    Care Team

    Chat live with a health professional to get speedy help with any health concerns, such as a sudden rash or finding a provider near you.

  • device with League lifemarket screen

    icon for League Lifemarket Lifemarket

    A curated marketplace with exclusive offers and discounts on products and services that support your wellbeing.

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MY PLANS

Let’s take a look at your plan options.

While LUSH continues to offer you your choice of three benefit plans, some updates have been made to each plan option. Review the options – Lavender, Rose, Neroli – to determine which plan will suit you and any dependents you are covering the best. Because of the changes made to the medical plans, this year’s enrollment is mandatory. You need to log into League and complete enrollment in order to be covered for the 2023 – 2024 plan year.

Full-time Lushies can reference this Benefit Guide for detailed information about the benefit plan. If you’re part-time, you can reference this Benefit Guide.

Medical
Dental
Vision
In-Network Plan Options

Lavender

Great for: Those who want to contribute to a Health Savings Account pre-tax and have Lush contribute to it as well. You don’t need a referral to see a specialist. FYI: Lavender has the highest deductible to pay before your plan pays.

Rose

Great for: Those who want a lower-cost plan and the flexibility of a Health Savings Account. Rose has a higher deductible, but it’s still a good choice if you have modest medical expenses and don’t need a referral to see a specialist.

Neroli

Great for: Those who value freedom in picking any doctor they’d like without referrals. Neroli has a higher cost, but gives you the confidence of knowing that your medical expenses will be partially covered in and out of network.

Deductible
$2,500 single
$5,000 family
$2,000 single
$4,000 family
$500 single
$1000 family
Out-of-Pocket (OOP) Maximum
$5,000 single
$10,000 family
$4,000 single
$8,000 family
$3,500 single
$7,000 family
Primary Care Visit
20% coinsurance, after deductible has been met
$35 copay after deductible has been met
$40 copay deductible does not apply
Specialist Visit
20% coinsurance, after deductible has been met
$50 copay after deductible has been met
$60 copay deductible does not apply
Preventative Care
100% covered, deductible does not apply
100% covered, deductible does not apply
100% covered, deductible does not apply
Urgent Care
20% coinsurance, after deductible has been met
$50 copay after deductible has been met
$100 copay/deductible does not apply
Emergency Room Care
20% coinsurance, after deductible has been met
$300 copay/visit after deductible has been met
$250 copay/deductible does not apply
Generic Prescription Drugs – 30 Day, Retail / Retail & Home Delivery, 90 Days
20% coinsurance/prescription, after deductible has been met
$20 copay/prescription
$40 copay/prescription after deductible has been met
$15 copay/prescription
$30 copay/prescription deductible does not apply
Health Savings Account (HSA) Lush Contribution
$1,000 single, $1,500 family
None
None
Health Savings Account (HSA) Individual Contribution
Yes
Yes
No

Lavender

Great for: Those who want to contribute to a Health Savings Account pre-tax and have Lush contribute to it as well. You don’t need a referral to see a specialist. FYI: Lavender has the highest deductible to pay before your plan pays.

  • Deductible $2,500 single
    $5,000 family
  • Out-of-Pocket (OOP) Maximum $5,000 single
    $10,000 family
  • Primary Care Visit 20% coinsurance, after deductible has been met
  • Specialist Visit 20% coinsurance, after deductible has been met
  • Preventative Care 100% covered, deductible does not apply
  • Urgent Care 20% coinsurance, after deductible has been met
  • Emergency Room Care 20% coinsurance, after deductible has been met
  • Generic Prescription Drugs – 30 Day, Retail / Retail & Home Delivery, 90 Days 20% coinsurance/prescription, after deductible has been met
  • Health Savings Account (HSA) Lush Contribution $1,000 single, $1,500 family
  • Health Savings Account (HSA) Individual Contribution Yes

Rose

Great for: Those who want a lower-cost plan and the flexibility of a Health Savings Account. Rose has a higher deductible, but it’s still a good choice if you have modest medical expenses and don’t need a referral to see a specialist.

  • Deductible $2,000 single
    $4,000 family
  • Out-of-Pocket (OOP) Maximum $4,000 single
    $8,000 family
  • Primary Care Visit $35 copay after deductible has been met
  • Specialist Visit $50 copay after deductible has been met
  • Preventative Care 100% covered, deductible does not apply
  • Urgent Care $50 copay after deductible has been met
  • Emergency Room Care $300 copay/visit after deductible has been met
  • Generic Prescription Drugs – 30 Day, Retail / Retail & Home Delivery, 90 Days $20 copay/prescription
    $40 copay/prescription after deductible has been met
  • Health Savings Account (HSA) Lush Contribution None
  • Health Savings Account (HSA) Individual Contribution Yes

Neroli

Great for: Those who value freedom in picking any doctor they’d like without referrals. Neroli has a higher cost, but gives you the confidence of knowing that your medical expenses will be partially covered in and out of network.

  • Deductible $500 single
    $1000 family
  • Out-of-Pocket (OOP) Maximum $3,500 single
    $7,000 family
  • Primary Care Visit $40 copay deductible does not apply
  • Specialist Visit $60 copay deductible does not apply
  • Preventative Care 100% covered, deductible does not apply
  • Urgent Care $100 copay/deductible does not apply
  • Emergency Room Care $250 copay/deductible does not apply
  • Generic Prescription Drugs – 30 Day, Retail / Retail & Home Delivery, 90 Days $15 copay/prescription
    $30 copay/prescription deductible does not apply
  • Health Savings Account (HSA) Lush Contribution None
  • Health Savings Account (HSA) Individual Contribution No

Core

Buy-Up

Deductible
$50 single
$150 family
$50 single
$150 family
Annual Maximum
$1,250 annual maximum
$2,000 annual maximum
Orthodontia (children to age 19)
No orthodontia coverage
50% coinsurance, no deductible
Diagnostic & Preventive
0% coinsurance, deductible does not apply
0% coinsurance, deductible does not apply
Basic Restorative
80% coinsurance after deductible
80% coinsurance after deductible
Major Restorative
50% coinsurance after deductible
50% coinsurance after deductible

Core

  • Deductible $50 single
    $150 family
  • Annual Maximum $1,250 annual maximum
  • Orthodontia (children to age 19) No orthodontia coverage
  • Diagnostic & Preventive 0% coinsurance, deductible does not apply
  • Basic Restorative 80% coinsurance after deductible
  • Major Restorative 50% coinsurance after deductible

Buy-Up

  • Deductible $50 single
    $150 family
  • Annual Maximum $2,000 annual maximum
  • Orthodontia (children to age 19) 50% coinsurance, no deductible
  • Diagnostic & Preventive 0% coinsurance, deductible does not apply
  • Basic Restorative 80% coinsurance after deductible
  • Major Restorative 50% coinsurance after deductible

Core

Buy-Up

Exam
$10 copay
$10 copay
Materials
Not included
$10 copay
Elective Contact Lenses
Not included
Up to $130
Therapeutic Contact Lenses
Not included
N/A
Frame Retail Allowance
Not included
Up to $130
Eyeglasses Lenses
Not included
100% covered after copay
Medically Necessary Contact Lenses
N/A
100% covered

Core

  • Exam $10 copay
  • Materials Not included
  • Elective Contact Lenses Not included
  • Therapeutic Contact Lenses Not included
  • Frame Retail Allowance Not included
  • Eyeglasses Lenses Not included

Buy-Up

  • Exam $10 copay
  • Materials $10 copay
  • Elective Contact Lenses Up to $130
  • Medically Necessary Contact Lenses 100% covered
  • Frame Retail Allowance Up to $130
  • Eyeglasses Lenses 100% covered after copay
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Also included in your benefits:

Too much lingo? We want to make it easier for you.

Download Glossary
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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 selections.

illustration of man in front of laptop

email icon Step 1: Check your email

On May 8th, find your League invite in your inbox (if you haven’t already). If you do not see your email, check your spam. You can also enroll by logging directly into your League account.
Having trouble? Reach out to League customer care at help@league.com

icon of person with plus sign Step 2: Create an account (if you haven’t already)

Follow the link in our email to create your League password (then you’re in!).

task checklist icon Step 3: Select your plan

Follow our step-by-step instructions to make your plan selections

Begin Enrollment

Part-time employees

Are you a part-time employee? League is here for you. As a part-time employee (working between 20-29 hours a week), you’ll get a Lifestyle Spending Account with a $100 balance that you can use on products and services that help you live a healthier life. You’ll also get 24/7 access to our digital health and wellness platform with personalized health programs and wellness offers tailored for your unique lifestyle.

When you enroll, you’ll still have access to your Employee Assistance Program (EAP) and have the option of enrolling in voluntary coverage.

Important dates to remember

Calendar of Events

calendar icon
Info Sessions

Benefits Info Sessions

Head on over to LUSH U for on-demand video sessions with helpful tips and information on your benefits! The videos on demand are on LUSH U under the Health & Benefits Channel.
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July 1, 2023

Benefits Go Live!

The day your benefits come into effect. You can start using your new plan as of this date. Annual balances are reset effective July 1, 2023.
money icon
July 7, 2023

First Payroll Deduction

Each plan has a different premium that will automatically be taken off your bi-weekly paycheck.
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:

I liked my plan from last year. Do I need to re-enroll?

Based on the changes made to the US medical plan for the 2023-2024 plan year, this enrollment will be mandatory. That means if you do not elect coverage, you will not have any on July 1, 2023. Make sure you log into League between May 8th and 19th to select the benefits you want.

 

What are the coverage differences for each plan and why do they have different costs?

League & Lush are excited to continue to offer 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 offers different amounts of coverage, but each plan can be utilized to make the most of your coverage.

The Lavender plan has the highest deductible but it’s great if you like the flexibility of a Health Savings Account. You can contribute to a Health Savings Account pre-tax & Lush will contribute to it as well. 

The Rose plan has higher deductible, but it’s still a good choice if you have modest medical expenses and don’t need a referral to see a specialist. Great for: Those who want a lower-cost plan and the flexibility of a Health Savings Account.

The Neroli plan is designed for those with expected or recurring medical expenses who need greater insurance coverage and freedom to incur expenses in-network and out-of-network. Neroli has the lowest deductible and the greater amount of insurance coverage, and is the most of the three plans. 

Each plan is different, just like you and your needs. There are many things to take into consideration when selecting a plan. If you have any questions about plan selection, 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 a mini-me to your family!

How much do I pay for these plans and how much is covered by my company?

Your employer will cover 73% of the annual premiums for the Neroli plan, 78% of the annual premiums for the Rose plan, and 82% of the annual premiums for the Lavender plan.

Therefore, you’ll be paying 27% of the annual premiums for the Neroli plan, 22% of the annual premiums for the Rose plan, and 18% of the annual premiums for the Lavender plan.

When can I see my payroll deductions?

You can see all the payroll deductions while in the enrollment experience making your elections. Once you’ve submitted your elections, you’ll be able to see all your payroll deductions based on the elections you’ve made.

I’m a part time employee, what is a Lifestyle Spending Account and what can I use it for?

Lifestyle Spending Accounts (LSA) cover services and products you can access to live a healthier life, such as gym memberships, yoga and meditation, etc. Money spent from this account is a taxable benefit. You’ll only get 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.

How do I use my Cigna ID card at the pharmacy?

If you elect a new Cigna plan or are enrolling for the first time, you will receive a Cigna card via mail. If you stay in the same plan as last year, your Cigna card will not change.

Your Cigna card will allow you to access your benefits at the pharmacy. It will contain all the information your pharmacist needs to process your prescription. For more details on how to use your CIGNA ID card, see here.

What’s new this year?

Medical Plan Changes
We are increasing the deductible and out of pocket maximums on all 3 of your medical plans in an effort to reduce employee premiums. As a result, this enrollment period is mandatory.

Hospital Indemnity
Hospital Indemnity coverage will be available to all US employees. All employees enrolled in Lavender can elect employee-level coverage at no cost. Hospital Indemnity will not have any pre-existing conditions clauses.

Fertility Benefits
Fertility services are now covered under your medical plans. Covered services include: lab and radiology test, counseling, surgical treatment, includes artificial insemination, in-vitro fertilization, GIFT, ZIFT, etc. Lifetime Maximum of $10,000.

Where can I find more information?

LUSH U – find on-demand videos on all things benefits!

Can I waive all of LUSH’s benefits?

You can waive all employee paid benefits. This means that you will be automatically enrolled in the following (100% paid for by LUSH): Basic Life & ADD, Basic STD, Basic LTD, EAP.

How can I find out whether or not my provider is in-network?

In order to find out whether or not your medical. dental, or vision providers are in-network, please log into your MyCigna.com account , then select ‘Find Care & Costs’ and follow the prompts. Cigna also provides a call center called OneGuide, which helps member locate in-network providers. See your League Wallet cards for details. You can also contact a League care navigator via chat through the League app or by email at help@league.com.

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