WELCOME
Helping you and your family reach and maintain good health is very important. We are 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.
ENROLLMENT
Remember: The benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called “Qualifying Events”. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child. Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
MEDICAL/RX
You are eligible to enroll in a PPO HDHP.
A High Deductible Health Plan (HDHP) is similar to a PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower cost per pay, you must satisfy a higher deductible that applies to almost all health care expenses, including prescription drugs. All expenses are your responsibility until the deductible is satisfied, with the exception of preventive care, which is covered at 100% when you visit a physician that participates in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA). Any dollars that you (and your employer) wish to contribute can be used towards any eligible medical, Rx, dental and vision expenses that you incur while covered under the plan.
DENTAL
Our dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Metlife 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.
VISION
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
We offer vision coverage to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider an In-Network provider.
HSA (HEALTH SAVINGS ACCOUNTS)
A Health Savings Account (HSA) is a tax-free savings account is owned by you, is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
2023 IRS Contribution Limits:
Single: $3,850
Two Person or Family: $7,750
LIFE & DISABILITY
We provide all team members with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for twice your salary, to a maximum of $200,000, in coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
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.
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage pays 60%of your income to a maximum of $1,846 per week.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a 180 day elimination period are are equal to 60%of covered monthly earnings up to $8,000 for full-time employees.
VOLUNTARY BENEFITS
We provide 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:
- Critical Illness
- Hospital Indemnity
- Accident Care
- Long Term Care
WELL-BEING
Contact Us
As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact the Human Resources Department.