Annual Benefits Information
Your benefits are an important part of your total compensation at Bushel.
Open Enrollment is the one time each year you can make changes to your benefit elections without having a qualifying life event.
Please download the Benefit Guide below for more information regarding your benefits. Alongside the guide, use the information and documents found on this page to help you make your annual benefits elections and contact Human Resources should you need any additional assistance.
If you are newly hired or are a current employee in the annual Open Enrollment period, you can enroll in or waive benefits by using the Paycom enrollment site.
Paycom Link: www.paycom.bushelpowered.com
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2026 Medical Plans with BlueCross BlueShield of North Dakota
There are three medical plan options partially paid by Bushel Inc, through BlueCross and BlueShield of North Dakota. While you are free to select any provider you choose, it is more cost effective to stay within the network. All plans include preventive services paid at 100%. Review the summary of benefits for each plan. As a BCBSND member, you have additional resources available to assist in your overall well-being.
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As a BCBSND member, you have additional resources available to assist in your overall well-being.
Virtual Care Virtual care, also known as online care or an e-visit, is a convenient way to get care for many common conditions. Connect with a provider from your computer or mobile device to get a diagnosis, treatment plan and prescription (if needed). Get started when and where it works for you at amwell.com. Service key: BCBSND. Video capabilities are required.
Omada This personalized program provides the tools and support, you need to reach your health goals, whether that’s losing weight or improving your overall health, all at no cost to you. Diabetes Prevention Program (DPP) services are a benefit covered at 100% to you or your adult family members who are enrolled in a Blue Cross Blue Shield of North Dakota group health plan and at risk for type two diabetes. If you wish to participate in a DPP program offered by your local health care provider, please check to see if these services are eligible for 100% coverage. DPP services provided by Omada are covered at 100%.
Learn To Live Learn to Live offers five highly effective online programs based on the proven principles of Cognitive Behavioral Therapy (CBT). Our programs are confidential, accessible anywhere, and based on years of research showing online CBT programs to be as effective as face-to-face therapy. Choose the right program for you: Social Anxiety, Depression, Insomnia, Substance Use, or our Stress, Anxiety and Worry. Visit learntolive.com/partners and enter BCBSNDFI to learn more.
BCBSND.me Download BCBSND's new app today wherever you download apps, to view claims history, Explanations of Benefits (EOB), request new ID cards, view Summary of Benefits (SBC), find In-Network providers and more!
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Health Savings Account (HSA) A health savings account (HSA) is a tax-advantaged savings account that you can use for medical expenses. It is paired with a qualifying health insurance plan; typically, a high-deductible health plan (HDHP). An HDHP is a plan that offers lower monthly premiums in exchange for a higher deductible (the amount you pay out of pocket before insurance kicks in).
Flexible Savings Account (FSA) A Flexible Spending Account (FSA) allows you to aside pretax dollars for qualified expenses and reduces your taxable income. You can also enroll in a Dependent Care FSA to set aside pretax dollars to cover daycare expenses.
Click the link below to view the online WEX portal and access a list of eligible medical expenses.
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Voluntary Dental Plans with SunLife
The Sun Life Dental Plan is a voluntary benefit, and you have the option of electing either the Basic Plan or the Enhanced Plan. Both plans utilize the same Sun Life PPO network and include preventative services paid at 100% with participating providers. The Enhanced Plan provides for a higher annual maximum and features additional coverage for basic services, major services and orthodontic care.
Register for your online Sun Life Dental account today at www.sunlife.com/createaccount
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Voluntary Vision Plans with MetLife
MetLife Vision Care is a voluntary benefit that offers discounts to Bushel, Inc. employees and their family members for corrective eyewear needs such as eyeglasses, contact lenses and Lasik vision.
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Basic and Voluntary Life and AD&D with MetLife
Basic Life and AD&D Insurance - Company Paid Basic term life and accidental death and dismemberment coverage is provided for all benefit eligible employees. Employees must assign a beneficiary for the company provided benefit. This plan is portable when requested within 31 days of termination.
- $50,000 Term Life + $50,000 AD&D
- Age Reduction of Coverage: $32,500 term life for ages 70 up to age 75. $25,000 term life for ages 75 and over.
Voluntary Life and AD&D Insurance - Employee Paid MetLife Supplemental Term Life/AD&D Insurance is a voluntary benefit. Through this benefit you are able to purchase additional Life insurance to fit your individual needs.
Employees who elected coverage previously can increase their election by one increment of $10,000 without Evidence of Insurability and spouses are allowed the same in a $5,000 increment, if that increase does not exceed the guaranteed issue of $100,000 for employees, or $25,000 for spouses.
If an employee previously waived Supplemental Term Life/AD&D as a new hire, they do have the option during their 1st open enrollment to elect up to the guaranteed issue amount. After that 1st open enrollment, employees would need Evidence of Insurability for any amount elected.
New hires can elect up to the guaranteed issue amount for employee, spouse, and child without needing to complete evidence of insurability; any amounts over the guaranteed issue will require evidence of insurability to be completed and approved by MetLife to get the additional amount of life insurance.
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Short and Long-Term Disability
Your family can count on your income while you are healthy and employed, but it is important to plan for your financial security in the event you become unable to work because of a disability. Disability coverage replaces a portion of your income when you are not able to work.
Short-Term Disability coverage is administered through Bushel by an internal Salary Continuation Program. Bushel will pay 100% of benefits for a sickness, illness or pregnancy for up to 12 weeks.
Long-Term Disability coverage is administered through MetLife.
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Critical Illness and Accident Insurance with MetLife
Bushel is committed to providing employees with a comprehensive benefits program as a way of recognizing and rewarding the hard work they bring to our company each day. As a supplement to the benefits you already receive, Bushel has added voluntary benefits for eligible employees.
MetLife Critical Illness Critical Illness coverage can help ease the financial burden of surviving a critical illness by providing financial resources to help with medical costs or ongoing living expenses. This plan can help you focus on recovery instead of the distraction of out-of-pocket costs. Some of the benefits of the MetLife Critical Illness coverage include:
- Annual benefit for completing certain preventative/wellness screenings.
- Once approved, benefit payments are sent directly to the enrollee.
- Coverage for such illnesses as cancer, heart attack, stroke, kidney failure and more.
- Coverage is available for you, your spouse and dependent children.
MetLife Accident Insurance The plan is designed to help cover expenses you may incur as the result of an accident and provide financial security so that you can focus on recovery. A few benefits of this coverage are:
- Payments made directly to the enrollee for approved accident claims.
- Reimbursements for ambulance transportation, prescriptions, major diagnostic testing and more.
- Coverage is guarantee-issue, and benefits are paid regardless of other medical insurance.
*Pre-Existing Condition Limitation: A 3/6 Pre-existing Condition Limitation applies. If you have an existing condition diagnosed or treated (including medication) 3 months prior to the effective date this condition will not be eligible for benefits for 6 months.
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Farmers Insurance Home, Auto and Pet are discount programs and are managed by Farmers.
Call anytime throughout the year to see if you can save! 1-800-GET-MET8 and mention you are from Bushel!
Farmers Auto & Home Purchase your auto or home insurance through MetLife and receive the cost savings of a group discount, combined with the convenience of payroll deduction.
Benefits include:
- Discounts for claim-free driving
- Multi-policy discounts
- Towing/Roadside Assistance
- Home replacement costs on both rebuilding and contents
Coverage is also available for boats, RVs, mobile homes, renter’s insurance, condo insurance and more.
MetLife Pet Insurance Now more than ever, pets are playing a significant role in our lives, and it is important to keep them safe and healthy. Help make sure your furry family members are protected in case of an accident or illness with Pet Insurance offered by MetLife.
MetLife Legal Plan MetLife Legal is a voluntary benefit that can help you reduce stress by providing easy, cost-effective access to legal help.
With a legal plan, you’ll have peace of mind knowing that you have an attorney on your side for planned and unplanned events. And the plan is easy to use. There are no waiting periods, deductibles or out-of-pocket expenses when using an in-network attorney for a covered service.
Verizon Discount Program Receive up to 8% off your bill! The Verizon Discount Program is offered by Bushel and managed by Verizon. For more information, go to verizon.com.
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Retirement 401(k) through Bell Bank
Bushel offers eligible employees to participate in the Bushel Inc 401(k) Retirement plan. Eligible employees include full time and part time employees that have completed three months of service. Interns are not eligible to participate in the 401(k) program.
All newly hired employees will be automatically enrolled in the Bushel Retirement plan and will actively need to unenroll in the retirement program if there is no interest in participation. Automatic enrollment will be defaulted to a 5% pretax employee deferral. Employees under 5% are automatically increased 1% per year up to 5% unless opted out.
You can make two types of contributions:
- Pre-Tax Contributions – Amounts you contribute, and any investment earnings are not taxed until you withdraw the money after you retire.
- Roth After-Tax Contributions – Your contributions are taxed as regular income in the year you make the contributions. Future withdrawals of your contributions and investment earnings are tax free.
Bushel Inc. may make a matching contribution based on eligible compensation you contribute to the plan. The match is currently 100% of the first 3% of compensation you defer and 50% on next 2% of deferred compensation. This amount may be changed by the employer.
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SupportLinc Employee Assistant Program (EAP) with Curalinc
SupportLinc offers expert guidance to help you and your family address and resolve everyday issues:
- In-The-Moment Support: Reach a licensed clinician by phone 24/7/365 for immediate assistance.
- Financial Expertise: Consultation and planning with a financial counselor.
- Legal Consultation: By phone or in-person with a local attorney.
- Short-Term Counseling: Access up to eight (8) no-cost counseling sessions, in-person or via video, to resolve stress, depression, anxiety, work-related pressures, relationship issues or substance abuse.
- Convenience Resources: Referrals for child and elder care, home repair, housing needs, education, pet care and so much more.
- Confidentiality: Strict confidentiality standards ensure no one will know you have accessed the program without your written permission except as required by law.
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Questions?
If you would like a printed copy of any of the documents found on this page or need additional assistance with your benefits, please contact Bushel Benefits at Benefits@bushelpowered.com