Preventive Care Benefits (Preventive Care Management Program – PCMP)

Overview

The Preventive Care Benefits, provided through the Preventive Care Management Program (PCMP), are designed to keep you and your family healthier, longer—without adding extra costs to your budget 💸

This program gives you access to:

• No-cost preventive screenings and immunizations through in-network MagnaCare providers

• Women’s specialized preventive health services

• Telemedicine with $0 copays

• Mental health support and an Employee Assistance Program (EAP)

• Health coaching and wellness tools

• Prescription drug coverage

• A tax-free FSA card for eligible health and wellness purchases

• A robust digital experience through the TEG Health App and WellnessHub

The program works alongside your existing health insurance—not instead of it—to give you easier access to care, better tools to stay healthy, and meaningful tax savings, all with no change to your net take-home pay.

Who Is Eligible:
You may be eligible for the Preventive Care Management Program and its benefits if:

You are an employee enrolled by your employer in the PCMP

You are eligible for coverage through MagnaCare’s in-network providers for preventive services

You meet any employer-specific eligibility criteria (such as employment status or hours worked)

Some plans may require you to certify dependent eligibility under penalty of perjury.

If you are unsure about eligibility (for yourself or a dependent), contact support using the information in the “Contacts & Support” section.

What the Benefit Includes

The Preventive Care Management Program includes a wide range of services and tools. Preventive Care Benefits are at the core, supported by several additional wellness resources.

1. Preventive Care through MagnaCare (Adults)
   When using in-network MagnaCare providers, adults enrolled in this plan have access to comprehensive preventive services covered at 100%. These include:

2. Women’s Health Preventive Services
   Women have access to specialized preventive care through MagnaCare and TEG Wellness. These services are covered at 100% when using in-network providers and may include:

• Mammograms and breast cancer screenings, including BRCA risk assessments

• Cervical cancer screening (Pap tests) and HPV testing

• Birth control counseling and FDA-approved contraceptives

• Counseling and support for breastfeeding mothers

• Bone density screening for women over age 65 and for younger women who are at higher risk

• Domestic and interpersonal violence screening and support

• STI counseling for sexually active women

• Tobacco use counseling and support during pregnancy

• Gestational diabetes screening for pregnant women

• Screenings for urinary incontinence and related infections

• Well-woman visits that include key screenings, counseling, and forward-looking health planning

• Rh incompatibility and preeclampsia screenings during pregnancy

• Folic acid supplements and other prenatal preventive care, as clinically appropriate
  

3. Telemedicine
   Telemedicine access through TEG and NYBM allows you to connect with a provider from home, with:
                 24/7 access, including nights and weekends      -       No-cost telemedicine visits
    Providers can also send prescriptions to your preferred pharmacy when medically appropriate!
   
   Support for non-emergency conditions such as:

   • Cold and flu symptoms

   • Allergies

   • Minor infections

   • Rashes and skin conditions

   • Annual check-ins and follow-ups

4. Employee Assistance Program (EAP)
   
   

2. Employee Assistance Program (EAP)
   Your EAP offers free, confidential support to you and your family members, including:
   

   

   
   

3. Health Coaching
   Health coaching connects you with holistic, certified coaches who support your:

   
   
   

4. TEG Health App
   The TEG Health App is your digital home for wellness:
   

   

   
   

5. WellnessHub
   WellnessHub, accessed through the TEG Health App, provides:
   
   

   

   
   
   

6. Prescription Drug Coverage
   Your TEG Wellness prescription benefit includes:
   
   

   

   
   

7. Supplemental Benefit: FSA Card
   
   

   

   
   
   

How It Works

1. Enrollment

   You are enrolled in the Preventive Care Management Program by your employer as part of a company-wide wellness initiative.
   
   

2. Preventive Care Visits
   
   
   
   

3. Program Funding and Payroll

   
   
   

4. Use of Other Benefits

   • Telemedicine: call or use the app for 24/7 virtual care (no copays).

   • EAP: log into the TEG Health App or call the EAP number for counseling, financial and legal help, and life-resource referrals.

   • Health Coaching: select a coaching benefit in the app and schedule sessions.

   • Prescription Coverage: activate via your welcome email, then use your digital pharmacy card.

   • FSA Card: use at checkout for eligible health expenses once you receive and activate it.

How to Access or Apply

1. TEG Health App Access

   • Watch for an onboarding email from TEG Health Wellness.

   • Download the TEG Health App to your device.

   • Log in using the credentials provided in your email.

   • Open the Benefits section to see tiles for:

     • Telemedicine

     • EAP

     • Health Coaching

     • Prescription Drug Coverage

     • FSA card

     • WellnessHub and more

2. Preventive Care Appointments (MagnaCare)

   • Watch for your MagnaCare packet and card (physical or digital).

   • Find an in-network provider using MagnaCare’s provider directory or your packet.

   • Schedule preventive visits (annual physicals, screenings, immunizations, etc.).

   • Show your MagnaCare card at each preventive visit to ensure coverage.

3. Telemedicine

   • Log in to the TEG Health App.

   • Go to Benefits and select the telemedicine option.

   • Or call (484) TELEMED / (484) 835-3633.

   • Schedule a future appointment or start an on-demand consultation.

   • Connect with a licensed provider via phone or video.

4. Employee Assistance Program (EAP)

   • Log into the TEG Health App.

   • Choose the Employee Assistance Program option under Benefits.

   • Use the code “teghealth” to log in.

   • Access mental health counseling, financial consultations, legal referrals, and more.

   • Or call the EAP directly at (866) 712-1347.

5. Health Coaching

   • Log in to the TEG Health App.

   • Navigate to Benefits and choose the health coaching perk that best fits your needs.

   • Follow the prompts to schedule a session with a coach.

   • For support, email support@teghealth.com.

6. Prescription Drug Benefits

   • Watch for your welcome email about prescription benefits.

   • Click the “Activate Now” button in the email.

   • Complete your account setup.

   • Log into your member portal to add dependents, if applicable.

   • Access coverage via the portal at: http://member.tegwellness.com/

   • For help with prescriptions, call (888) 220-6650.

7. FSA Card

   • Your FSA card is mailed to your home address.

   • Register and activate it through the TEG Health App or member portal.

   • Use it like a debit card to pay for eligible healthcare expenses.

Important Rules & Policies

• Preventive care services are covered at 100% only when:

  • The provider is in-network with MagnaCare, and

  • The service meets preventive care guidelines (routine screening, not diagnostic).

• This program is supplemental and does not replace your primary health insurance.

• Certain preventive services may depend on:

  • Age

  • Gender

  • Risk factors (such as smoking history, pregnancy, or chronic conditions)

• Enrollment in the program includes:

  • A pre-tax deduction and a post-tax reimbursement on your paycheck

  • A separate line related to tax savings (PCMPSAV) that reflects how the program is funded but does not reduce your net pay

• Your taxable income is reduced due to pre-tax deductions, which:

  • Lowers your taxes throughout the year

  • May result in a slightly smaller refund (because you overpaid less)

• Opting out:

  • You may opt out of the program, but you will lose access to all PCMP benefits, including:

    • Telemedicine

    • FSA card

    • Prescription drug coverage

    • EAP and other wellness services

Frequently Asked Questions

General Program Questions

1. What is the Preventive Care Management Program (PCMP)?
   The PCMP is a supplemental health and wellness program designed to provide employees with access to preventive care services such as telehealth, mental health support, prescription drug coverage, an FSA card for eligible expenses, and more—at no out-of-pocket cost to you.

2. Why am I enrolled in this program?
   You have been enrolled by your employer as part of a company-wide wellness initiative. The goal is to enhance your access to healthcare, preventive services, and wellness tools while also providing tax savings for both you and the company.

3. Do I have to pay for this program?
   No. There is no out-of-pocket cost to you. The program is funded through:

   • A pre-tax payroll deduction that lowers your taxable income

   • A post-tax reimbursement that offsets that deduction
     Your net take-home pay does not change.

4. What benefits am I receiving?
   You are receiving:

   • A tax-free FSA card for wellness and eligible healthcare purchases

   • Telemedicine with $0 copays

   • Prescription drug coverage

   • Women’s health services and preventive screenings

   • Mental health support and Employee Assistance Program (EAP) services

   • Health coaching and fitness resources

   • Preventive screenings and other wellness tools

5. How is this different from my health insurance?
   This is not health insurance. It is a supplemental wellness program that works alongside your existing health plan. It helps you access more services with no copays, bills, or deductibles for covered program benefits.

6. Can I opt out of the program?
   Yes, you can opt out. However, it is strongly recommended that you take advantage of the benefits. If you still wish to opt out, send your full name, email, and employer name to info@tegwellness.com. A support team member will remove you from the program and confirm.

Dependent & Family Questions

1. Can I add my spouse or child to the program?
   Yes. As long as they meet the eligibility criteria, you can add your spouse and eligible children (usually under age 26) as dependents to certain benefits, such as Prescription Drug Coverage and Telemedicine. You will typically add them via the member portal.

2. How do I confirm if my dependent is eligible?
   Eligible dependents typically include your spouse and children under 26. Some plans may require that you certify your dependents’ eligibility under penalty of perjury. If you have questions, contact support for guidance.

Opting Out & Support

1. I would like to understand the program more before opting out—who can I talk to?
   The support team is happy to walk you through the details. You can contact:

   • Phone: (484) 835-3633

   • Email: info@tegwellness.com

2. If I opt out, will I lose anything else?
   Yes. By opting out, you lose access to all benefits offered through the program, including:

   • Telehealth

   • The FSA card

   • Prescription drug coverage

   • EAP and mental health tools

   • Other wellness resources included in the PCMP

3. How do I contact support for more help?
   You can contact:

   • Phone: (484) 835-3633

   • Email: info@tegwellness.com

   • App Support: support@teghealth.com

Payroll & Tax Questions

1. Why do I see new deductions and reimbursements on my paycheck?
   You will see three line items related to the program:

   • PCMP125 – A pre-tax deduction that lowers your taxable income and creates tax savings.

   • PCMPREI – A post-tax reimbursement that offsets the pre-tax deduction.

   • PCMPSAV – This appears as a deduction, but it is not taken from your net pay. It represents a portion of the tax savings generated during that payroll run and is used to fund your comprehensive benefit package.

2. Will this change my take-home pay?
   No. Your net take-home pay does not change.

3. How does this affect my tax return at the end of the year?
   You may see a slightly smaller tax refund because you paid less in taxes throughout the year. You are not losing money—you simply overpaid less in taxes.

4. What is a Section 125 Plan, and how does it benefit me?
   A Section 125 Plan allows certain benefits to be paid with pre-tax dollars. This reduces your taxable income, which lowers your federal income and FICA taxes and increases your real take-home value.

5. Why does my W-2 look different now?
   Your W-2 may show a lower taxable wage amount because of the pre-tax deduction used to fund the program. This is expected and fully compliant with IRS regulations.

Using the Program

1. How do I log into the TEG Health App or member portal?

   • Look for your welcome email from TEG Health.

   • Follow the instructions to register and create your account.

   • If you do not see the email, check your spam or promotions folder.

   • If you still can’t find it, contact info@tegwellness.com for help.

   • Once inside the app, go to the Benefits section to see all available tiles and instructions for each benefit (telemedicine, prescriptions, EAP, FSA, etc.).

2. Where do I find my prescription drug benefits?
   In the TEG Health App:

   • Open the Benefits page.

   • Click on the Prescription Drug tile.

   • Follow the prompts to activate and access your pharmacy benefits.

3. How do I book a telehealth appointment?

   • Call the telehealth line: (484) TELEMED / (484) 835-3633, or

   • Open the TEG Health App, select the telemedicine option, and follow the prompts to start an on-demand visit or schedule a future appointment.
     A licensed provider is available 24/7.

4. What do I do if I’m having trouble logging in or activating my account?

   • Contact support at (855) 374-6431 or

   • Email info@tegwellness.com
     The support team can assist with account setup, password resets, and troubleshooting.

FSA Card / Benefits Access

1. How do I access my FSA card?

   • Your FSA card will be mailed to your home address.

   • After you receive it, register and activate it through:

     • The TEG Health App, or

     • Your online member portal.

2. What can I use the FSA card for?
   You can use the FSA card for 213(d)-eligible healthcare expenses, including but not limited to:

   • Over-the-counter medications

   • Feminine care products

   • Vision products (glasses, contacts, etc.)

   • First-aid supplies

   • Eligible fitness and wellness gear

   • Mental health tools and other qualified medical expenses

3. When will I receive my FSA card in the mail?
   Typically, your FSA card arrives within 3–4 weeks of your enrollment. If you have not received it after that timeframe, contact (855) 374-6431 for assistance.

4. Can I add dependents to my benefits?
   Yes. You can add eligible dependents to:

   • Telemedicine

   • Prescription drug coverage
     Follow the steps in your member portal or contact support if you need help.

5. Can I use my FSA card at CVS and Walgreens?
   Yes. Most major retailers and pharmacies, including CVS and Walgreens, accept the card. Just make sure the items you purchase are eligible healthcare expenses under Section 213(d).

Contacts & Support

For Preventive Care Benefits and general PCMP questions:

• Phone: (484) 835-3633

• Email: info@tegwellness.com

For Preventive Care (MagnaCare) and women’s health services:

• MagnaCare / Preventive Care Support: (855) 374-6431

For Telemedicine:

• Phone: (484) TELEMED / (484) 835-3633

For Employee Assistance Program (EAP):

• Phone: (866) 712-1347

For Prescription Drug Coverage:

• Phone: (888) 220-6650

• Member portal: http://member.tegwellness.com/

For App and Technical Support:

• Email: support@teghealth.com

To opt out of the program:

• Email: info@tegwellness.com (include your full name, email, and employer name)