Welcome
Helping you and your family reach and maintain good health is very important to KCA Labs. KCA Labs 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 employees working at least 30 hours per week are eligible to participate in benefits offered by KCA Labs. 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
KCA Labs remains committed to providing a competitive, cost-effective benefit program. We are implementing many changes and additions for the 2021 plan year, which we hope will be positively received by you and your families. Below are highlights of changes that will become effective on 12/01/2021.
Please review and sign your 2021 KCA Labs Annual Notices.
Enrollment
Action Required:
All elections must be submitted by 12/30/2021. The benefits you elect during open enrollment will be effective from 12/01/2021 - 11/30/2021.
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
Humana will administer your medical and prescription drug benefits this year.
To find out if your provider is in-network, please visit the Humana website below.
DENTAL
KCA Labs dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Dental Care Plus 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 Dental Care Plus website below.
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
KCA Labs offers vision coverage through AVESIS 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 AVESIS Network.
To find out if your provider is in-network, please visit the AVESIS website below.
LIFE and AD&D
KCA Labs provides you with Basic Life/AD&D coverage through Humana.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for Flat $50,000 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.
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.
UNDERSTANDING YOUR BENEFITS
Plan Details
Please view the documents below for additional details on your 2021 benefits.