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.
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.
DID YOU KNOW?
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.
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:
Two Person or Family: $7,750
We provide all team members with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability.
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.
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.
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: