Download a copy of Contact List


Benefit Provider/Program Call Online
Contacts
Claims Advocacy Piper Jordan Call or text 855-906-3754 (8am - 5pm PST) niagara@piperjordan.com
Enrollment Questions OneSource Virtual Center 844-462-2236 niagarabenefits@onesourcevirtual.com
ALEX Benefits Counselor N/A www.myalex.com/niagarabottling/2022
Medical & Related Programs
Medical Aetna 866-603 9954 www.member.aetna.com
Prescription Drug Magellan 855-371-9782 www.magellanrx.com/member/login/
EAP Magellan 800-424-1842 https://member.magellanhealthcare.com/
Wellness Virgin Pulse 888-671-9395 https://join.virginpulse.com/niagarawater
Dental & Vision
Dental Delta Dental 800-422-4234 www.deltadentalins.com
Vision VSP Vision Care 800-877-7195 www.vsp.com
Financial
Health Savings Account PayFlex 844-729-3539 www.mypayflex.com
Flexible Spending Account Wex/Discovery 866-451-3399 https://benefitslogin.wexhealth.com/
401(k) Fidelity 800-835-5097 www.401k.com
529 College Savings Fidelity 877-208-0098 www.advisor.fidelity.com
Life & Disability Benefits & Leave of Absence
Life and AD&D The Hartford 860-547-5000 www.thehartford.com
Disability and FMLA Administration Unum 866-679-3054 www.unum.com
Leave of Absence Unum niagarawater.leavelogic.com
Work/Life Benefits
Accident Plan The Hartford 866-547-4205 thehartford.com/benefits/myclaim
Legal/Identity Theft LegalShield 800-654-7757 www.legalshield.com
Pet Discount Pet Assure 888-789-7387 www.petassure.com
Employee Discounts Working Advantage 800-565-3712 www.workingadvantage.com
Critical Illness Chubb 833-542-2013 https://esis-spherical.force.com/eep/cveep__Login
Family-Friendly Benefits
Fertility/Adoption/Surrogacy Progyny 888-597-5065 www.progyny.com
MilkStork MilkStork 877-242-1306 info@milkstork.com

Glossary of Terms


Click a term to learn more.
Affordable Care Act

The ACA requires all businesses with 100 or more full-time equivalent employees (FTEs) to offer health insurance to their full-time workers (working 130 hours of service in a calendar month) or pay a penalty. In addition, the Company must continue to provide access to quality health insurance at an affordable cost.

After Taxes

Included in your W-2 income or subject to income taxes.

Before Taxes

Not included in your W-2 income or subject to income taxes.

Beneficiary

A person or persons you name – using a form accepted by the plan administrator or insurance carrier – to receive benefits in the event of your death.

Brand-Name Drug

A drug that is patented by the FDA and subject to an exclusivity agreement that allows the company to be the sole manufacturer of the drug for a certain number of years.

Coinsurance

The percentage that you pay of a covered service.

Copay

A fixed dollar amount that you pay for a covered service at the time the service is provided.

Covered Service

The health care services that a plan will cover in part or in full based on plan documents.

Deductible

The amount you pay for covered services in a plan year before the plan begins to pay benefits.

Eligibility Date

The day on which you’re eligible to participate in a Your Benefits plan.

Eligible Expense

Expenses incurred for a covered service.

Evidence of Insurability

A statement of proof of a person’s physical condition, occupation, or other factor affecting his or her acceptance for insurance coverage.

Formulary Drug

A drug that’s considered a “preferred choice” based on its effectiveness and cost.

Generic Drug

A prescription drug that has the same active ingredients as a brand-name drug and is subject to the same FDA standards for quality, strength, and purity as its brand-name counterpart, but typically costs less. Not all brandname drugs have generic equivalents.

Late Enrollee

A Jack in the Box or Qdoba employee or eligible dependent who didn’t enroll in the benefit plan when first eligible to join.

Network Provider

Any licensed doctor, hospital, lab, or other health care provider that has contracted to provide members with comprehensive services at discounted rates.

Non-Formulary Drug

A brand-name drug that isn’t on a plan’s formulary list.

Non-Preferred Drug

A brand-name drug that isn’t on a plan’s preferred list.

Out-of-Pocket Maximum

The maximum amount you pay each plan year for covered services. Once you reach your out-of-pocket maximum, the plan pays 100% for additional covered services.

Out-of-network Provider

Any licensed doctor, hospital, lab, or other health care provider that is not part of a provider network.

Plan Year

October 1 through September 30.

Preferred Drug

A drug that’s considered a “preferred choice” based on its effectiveness and cost.

Primary Care Physician

A doctor within an HMO network whom you’ve selected to coordinate your medical care.

Qualifying Life Event

A life event that may allow you to make certain changes to your health plan coverage. This includes marriage, registration of a domestic partnership, legal separation, or divorce; birth, adoption, legal guardianship, or change in custody for a dependent child (or children); the ineligibility or death of a dependent; a move to an area where your current plan isn’t offered; a change in your or your spouse’s employment; or a significant change in health coverage.

Reasonable & Customary Charges

The maximum amount the plan will pay for a service, based on what providers in that geographic area charge for similar services or supplies.

A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available on www.niagarabenefits.com. A paper copy is also available, free of charge, by calling 909-230-5000.

Niagara Bottling permits INSURERS to offer employees of Niagara Bottling certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Niagara Bottling does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. Niagara Bottling does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Niagara Bottling'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Niagara Bottling may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Niagara Bottling does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Niagara Bottling reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.