Arcfield reviews

Government contracting roles limit remote work for direct labor

The health insurance is terrible. In theory it's Anthem BCBS, which should be good. But the actual IMPLEMENTATION is terrible. The problem is that there are three entities involved: Anthem, a "health care concierge" called Accolade, and a "claims processor" called Ameriben. The problems seem to come in between Ameriben and Accolade. You can never contact Anthem or Ameriben directly; you have to go through Accolade. Accolade's main job seems to be to put you on hold; literally, the hold times are usually an hour. In theory you can also submit questions via Accolade web site, but their response time is also an hour and the web site logs you off after 15 minutes of being idle, so you end up being logged out before you see a response. If there is a claim problem (and in my experience there are a LOT of claim problems, and they all originate within Ameriben), you're stuck having Accolade trying to file a ticket with Ameriben. This results in a lot of finger pointing and missed connections in terms of trying to figure out who is responsible for things like claim payment. I LITERALLY was once on a 15 minute phone call where an Ameriben rep and a pharmacy rep were going back and forth about who paid for COVID tests (yes, I timed it). This was after nine months of back and forth finger pointing about who was supposed to pay for them. I find that just dealing with health care claims is a significant part-time job, which is an unfortunate time sink on top of my full time job. I can understand this 3-company health care structure was probably put into place to save money, but the result was that the costs were shifted onto employees. My advice is that if you are considering working for Arcfield and you have a lot health care claims (ESPECIALLY if you have out of network claims) you strongly think about considering working here; if you have a non-working spouse or a lot of free time to deal with health care claims it is probably not bad. This goes DOUBLE if you are dealing with mental health claims. The plan documentation says that out of network claims are paid at 70%; what they do NOT say is that 70% comes AFTER a discount is applied, and that discount can be up to 50%. Your out of network deductible is calculated based on the post-discount amount, so it can take twice as long as you think to reach your out-of-network deductible. So the amount that gets paid out on claims even AFTER you reach your deductible can be 30-40%.