Welcome

Helping you and your family reach and maintain good health is very important to Baker Boy. Baker Boy is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.


Eligibility

Regular full time employees are eligible to participate in benefits offered by Baker Boy. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.


Overview

Baker Boy sponsors a robust medical plan through BlueCross BlueShield of North Dakota.


Baker Boy remains committed to providing a competitive, cost-effective benefit program. We offer a comprehensive benefits program, which we hope is positively received by you and your families. Below are highlights of the 2022 benefits.


Please review your 2022 Baker Boy Employee Benefits Guide for information on all of your benefits.

Medical

BlueCross BlueShield Medical Plan

BCBSND will continue to administer your medical and prescription drug benefits this year.


To find out if your provider is in-network, please visit the BCBND website below.

BlueCross BlueShield of North Dakota

BCBSND Provider Finder

BlueCross BlueShield of North Dakota

BCBSND Provider Finder

Embedded vs Aggregate Deductibles

Embedded vs Aggregate Deductibles

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

What is a HDHP with HSA?

What is a HDHP with HSA?

Dental

Delta Dental - Dental Plan

Delta Dental's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.


To find out if your provider is in-network, please visit the Delta Dental website below.

Delta Dental Website

Delta Dental Provider Finder

Delta Dental Website

Delta Dental Provider Finder

How Does Dental Insurance Work?

How Does Dental Insurance Work?

Vision

MetLife Vision Plan

Baker Boy offers vision coverage through MetLife to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the MetLife Network. Review your coverage details in your Benefit Guide.


To find out if your provider is in-network, please visit the MetLife website below.

How Does Vision Insurance Work?

How Does Vision Insurance Work?

Find a Vision Provider

Find a Vision Provider

Life & Disability

Administered by MetLife

Baker Boy provides you with Basic & Voluntary Life/AD&D coverage through MetLife.


Basic Life/AD&D

Baker Boy automatically provides you with Basic Life and Accidental Death and Dismemberment (AD&D) of $15,000. For Managers, Supervisors and Team Leaders the benefit is $25,000. The benefit for a spouse is $5,000 and $2,500 for children. Eligible employees are automatically enrolled in the company paid benefits when they become benefit eligible. Benefits reduce 35% at age 65 and 50% at age 70.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.


Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


Short Term Disability

Baker Boy provides full-time employees, who have worked at least 12 consecutive months, with short term disability income benefits– at no cost to you! Without disability coverage, you and your family may struggle to get by if you miss work due to an injury or illness.


Voluntary Short Term Disability

The voluntary short term disability policy includes:

• Plan pays on the 8th day of an accident/injury

• Benefit rages from $50 to $1,000 per week, not to exceed maximum salary percentage of 60%

• Plan pays up to 13 weeks

• Includes Maternity leave benefit


Please keep in mind that this benefit is in addition to the Baker Boy paid short term disability plan.


Please consult your Employee Benefits Guide and review the plan summaries for additional details.

Overview of Life Insurance Video

Overview of Life Insurance Video

Overview of Life Insurance Video

Overview of Life Insurance Vid ...

FSA & HSA

The Health Care and Dependent Care Flexible Spending Accounts (FSA) and the Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA or HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


HEALTH CARE FSA

  • You may contribute up to $2,850 annually
  • All benefit eligible can participate, unless you or your spouse are contributing to an HSA
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses


DEPENDENT CARE FSA

  • You may contribute up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns
  • Eligible expenses include care for your dependent child, spouse, parent or grandparent who are incapable of caring for themselves


FSA Contributions

The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.


How the FSA Plan Works

You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.


HEALTH SAVINGS ACCOUNT (HSA)

  • You may contribute up to $3,650 annually as an individual or $7,300 as a family
  • You must be enrolled in a qualified HSA-eligible health plan, but you or your spouse may not participate in an FSA or Health Reimbursement Account (HRA)
  • Baker Boy contributes $10 per paycheck into your HSA


How the HSA Plan Works

You may use your HSA funds to pay for eligible medical, prescription drug, dental or vision expenses. Unused funds remain in your account for future use and roll over each calendar year. You can change your HSA contribution at any time during the plan year for any reason.

What is an HSA?

What is an HSA?

HSA vs. FSA

HSA vs. FSA

Additional Voluntary Benefits

Adminsted by MetLife

Baker Boy provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:


  • Accident Care
  • Critical Illness
  • Hospital Insurance


What is Hospital Indemnity Insurace?

What is Hospital Indemnity Insurace?

What is Critical Illness Insurance?

What is Critical Illness Insurance?

What is Accident Insurance?

What is Accident Insurance?

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How To Read An EOB (Explanation of Benefits)

How To Read An EOB (Explanation of Benefits)

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:


Amber Beld

701-456-1520

AMBERB@BAKERBOY.COM