Employee Benefits Effective 7/1/2026
Open Enrollment runs from Monday, June 8 through Friday, June 12
Your Benefit Period is July 1, 2026 – June 30, 2027
For Full-Time Employees Only
Richter Healthcare Consultants sponsors the Richter Healthcare Welfare Benefit Plan under plan number 501 and hereby provides notice of the plan changes which are effective on 7/1/2026. If you have any questions about these changes in benefits, please contact, Jessica Stroia at 216-285-0804 or Jessica.Stroia@richterhc.com
Highlights of the 2026-2027 benefit plans include:
- Plan Changes: Medical Mutual will be the carrier for Medical benefits, with minor changes to current plans. Two new plan offerings are now available!
- Medical Mutual will remain as the carrier for Dental benefits with no plan changes.
- Anthem will remain as the carrier for Vision benefits with no plan changes.
- Lincoln will remain as the carrier for Life and Disability benefits, with no changes to plan options.
- Lincoln will remain as the carrier for the Accident, Critical Illness and Hospital Indemnity benefits, with no changes to plan options.
- Pet’s Best will continue to be offered for Pet Insurance. Employee enrolls and pays premiums directly through Pet’s Best.
Open Enrollment: June 8 - June 12
Annual enrollment is your opportunity to learn about the 2026 Benefits, review your current coverage, and choose the best options for you and your family.
This annual enrollment will be an active open enrollment, which means you must make your benefit elections by Friday June 12th if you wish to be enrolled in benefits for the 2026 plan year.
Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place until April 30, 2027, unless you notify HR within 30 days of your QLE to be eligible to make new elections.
Eligibility & Qualifying Events
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
QUALIFYING EVENTS
You can, however, modify your elections under certain circumstances, called "Qualifying Events"
Video Preview
What is a Qualifying Life Event?
What is a Qualifying Life Event?
When Does My Coverage Start?
New Hire: coverage will be effective the first of the month after your date of hire
Open Enrollment: your coverage is effective 7/1/2026
Qualifying Event: benefit changes effective date of event
Who are my legal dependents?
Your legal spouse
Your children (up to age 26) including natural children, stepchildren, legally adopted children, children placed for adoption, children for whom you serve as legal guardian
Disabled dependent child(ren) of any age
How To Enroll
All team members have access to our online benefits enrollment platform, Ahola, where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.
- Accessible 24/7
- View all benefit plan options and your elections
- View important carrier forms and links
- Report a qualifying life event
- Make changes to beneficiary designations and more
ENROLLMENT INSTRUCTIONS:
- Log into your Self-Service Portal through Ahola
- Click on Benefit Enrollment
- Select or change your benefits, dependents, beneficiaries, etc.
- Make sure to sign your forms, save your elections, and print your confirmation statement
Medical
Richter offers four medical plans through Medical Mutual.
A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
The HSA (HDHP) is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Medical Mutual's contract rate as the final charge and the member is not balanced billed.
Medical Mutual utilizes the SuperMed Plus network in the State of Ohio and the Cigna network for services provided Out-of-State. Please refer to Medical Mutual’s plan documents for the in and out of network benefit levels, along with plan details.
Below is a link to an Interactive Cost Tool where you can enter estimated medical expenses to see which plan is the best fit for you.
Summary of Benefits & Coverage
Medical Plan Summary
Prescriptions
TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.
TIER 2 | Low copay: This category includes non-preferred and low-cost generic drugs
TIER 3 | Higher copay: This category includes preferred, brand-name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics and have a higher copay.
TIER 4 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.
Helpful Rx Cost Savings Tools & Tips:
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.
GOOD Rx - There are many tools online that you can use to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).
ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
Prescription Summary
Virtual Visits - Telemedicine
Cleveland Clinic Express Care
No crowded waiting rooms. No Driving. See a doctor when you need a doctor.
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions.
Plan 1 - HSA 4000: A $49 copay for Plan (unless the deductible is satisfied then it is covered at 100% for the HSA Plan only)
Plan 2 - PPO 3000-9000: Office visit copay applies.
Payment is required at the time of the virtual visit
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
- your doctor is not available
- you become ill while traveling
- When you are considering visiting a hospital emergency room for a non-emergency health condition.
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
- Bladder infection
- Bronchitis
- Diarrhea
- Fever
- Pink eye
- Rash
- Seasonal flu
- Sinus
- Sore throat
- Stomach
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.
Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.
*Prescription services may not be available in all states.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links to provider sites by logging into your www.member.medmutual.com or by using the MedMutual app on your phone.
For questions regarding online health care, go to: clevelandclinic.org/eco
Mobile App - MedMutual
Download the MedMutual Mobile App
Your Health Plan Benefits at Your Fingertips
Get access to the vital health insurance information you need wherever you are with the MedMutual mobile app. It makes it easy and convenient to manage your health insurance, whether you’re at home, at your doctor’s office or on the go.
Track Your Claims and Spending Information
Review your claims, including details about the total amount billed, what Medical Mutual paid and what you are responsible for paying. You can also view other spending information, like your deductible, out-of-pocket costs and explanation of benefits (EOB) statements.
Find a Provider
You can enter your location to find the nearest doctor, hospital or urgent care facility covered by your plan and get step-by-step directions. You can also view quality and patient ratings for providers.
Access Your ID Card
You always have your ID card with you with our mobile app. View the front and back of your card and call any of the phone numbers listed with just a tap. You can also email or fax your card to your provider.
Securely Log In Without Your Password
You can even use your device’s Facial Recognition or Touch ID feature for a simple, secure and convenient login. This means you don’t have to type in your username and password if these features are enabled.
To download or update the app, visit your device’s App Store (Apple) or Google Play (Android). Make sure your app is set to automatically update, so you don’t miss out on future upgrades and new features.
Health Savings Account
A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it 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.
To be eligible for an HSA, you must be enrolled in the HSA 4000 High Deductible Health Plan (HDHP).
UNDERSTANDING YOUR HSA
- Pre-tax contributions are deducted through payroll and deposited into your HSA account
- You can use your HSA available funds to pay for qualified medical expenses tax-free
- HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
- Unused funds remain in your account for future use and roll over each calendar year
- HSA's remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
- You can change your HSA contribution at any time during the plan year for any reason
You may contribute as follows (2026):
- $4,400 for Employee Only
- $8,750 for a two-person or family
- $1,000 HSA "Catch-Up" Contributions (Age 55 or older)
You may contribute as follows (2027):
- $4,500 for Employee Only
- $9,000 for a two-person or family
- $1,000 HSA "Catch-Up" Contributions (Age 55 or older)
HSA ELIGIBILITY REQUIREMENTS
To have an HSA and make contributions to the account, you must meet several basic qualifications
- To be eligible to open and contribute to an HSA, you must have coverage under a qualified High-Deductible Health Plan (HDHP)
- Participants cannot be covered by any other health insurance plan that is a non-HDHP plan. i.e. enrolled in spouses plan that is a PPO plan (this exclusion does not apply to certain other types of insurance, such as dental, vision, disability or long-term care coverage)
- Participants cannot participate in a Healthcare FSA or spouse/domestic partner’s Healthcare FSA or Health Reimbursement Account (HRA)
- Participants cannot be enrolled in Medicare or Medicaid (including dependents)
- You cannot be eligible to be claimed as a dependent on someone else’s tax return
- You have not received Tricare, Indian Health Services or Department of Veterans Affairs Medical benefits in the past 90 days
MAINTAINING RECORDS
- To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer.
- HSA funds may be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.
*A full list of qualified expenses can be found in IRS Publication 502 at www.irs.gov OR click the link below to the HSA store.
How to Set Up your HSA
Step 1 - If you selected an HSA in Ahola, Medical Mutual will send your card to your home address. An email will be sent to you letting you know that your card has been mailed.
*Please ensure your email address and physical home address are up to date in Ahola
Step 2 - Once you receive your HSA bank card in the mail, you will receive instructions with your card to activate your new HSA card.
Step 3 - Now that your card is activated, download Medical Mutual’s AccountLink app on your phone where you can:
- Access accounts – Check balances, view transaction history and more.
- Manage claims and track expenses – Submit new claims, upload receipts, check claims status and track your eligible expenses.
- Access your Medical Mutual debit card – Manage card details, access your PIN and request a replacement for a lost or stolen Medical Mutual debit card.
- Receive alerts – View important account messages.
For more information, please refer to the links below to review the HSA Flyer and Member Guide.
Dental
Richter offers two dental plan options through Medical Mutual.
Dental coverage helps you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist. You will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
NETWORK: Superior Dental
Did You Know?
- You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
PRE-TREATMENT ESTIMATE
- If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
PREVENTION FIRST!
- Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits. Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
DUAL COVERAGE
- You might have benefits from more than one dental plan, which is called dual coverage. In this situation, the total amount paid by both plans can’t exceed 100% of your dental expenses. And in some cases, depending on the specifics of the plans, your coverage may not total 100%.
LIMITATIONS AND EXCLUSIONS
- Dental plans are intended to cover part of your dental expenses, so coverage may not extend to your every dental need. A typical plan has limitations such as the number of times you can receive a cleaning each year. In addition, some procedures may not be covered under your plan, which is referred to as an exclusion.
Dental Plan Summary
Vision
Richter offers vision coverage through Anthem.
Vison coverage helps pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.
NETWORK: Blue View Vision / Eyemed
Did You Know?
Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
- Diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Glaucoma and cataracts
You have many choices when it comes to using your benefits. As a Blue View Vision plan member, you have access to one of the nation’s largest vision networks. You may choose from many private practice doctors, local optical stores, and national retail stores including LensCrafters®, Target Optical® and most Pearle Vision® locations. For a complete listing, go to anthem.com/findadoctor. Select Vision for type of care, then select the Blue View Vision network.
Vision Plan Summary
Life and AD&D Insurance
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.
Basic - Employer Paid $50,000
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.
Voluntary - Employee Paid Life
Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. 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. Review the full benefit summary below for additional details.
Employee: $10,000 increments up to 5x your annual salary, to a maximum of $300,000. ($100,000 GI)
- If newly hired, you must enroll for Voluntary Life within 30 days for up to $100,000 on a Guarantee Issue basis. Any amounts in excess of $100,000 will require medical evidence of insurability (EOI)
- Existing employees may elect up to $10,000 or $20,000 without evidence of insurability as long as not previously declined or enrollment withdrawn, and Guarantee Issue has not been exceeded
Spouse: $5,000 increments up to a maximum of $150,000. Not to exceed 50% of employee election. ($25,000 GI)
- Existing employees may elect up to $10,000 or $20,000 without evidence of insurability as long as not previously declined or enrollment withdrawn, and Guarantee Issue has not been exceeded
Children:
- Birth to 14 days: Not covered
- 15 days to 6 months: $250
- 6 months +: $10,000
- The premium rate is a flat rate that applies to all eligible children in the family
Plan Provisions
Benefit Reduction Schedule:
- 50% of the original amount at age 70
- 75% of the original amount at age 75
Conversion: Application must be made within 30 days following termination.
*Guaranteed Issue (GI) and Evidence of Insurability (EOI)
When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).
Any amount elected over the GI will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
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 the birth of a child.
WHAT WILL MY BENEFICIARY RECEIVE?
In The Event That Death Occurs:
– Your Basic Life insurance is paid to your beneficiary.
– If death occurs from an accident: 100% of the AD&D benefit would be payable to your beneficiary(ies) in addition to your Basic Life insurance.
Disability
Voluntary 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.
STD Benefit Features
- Benefit begins 8th day Accident / 8th day Illness (Elimination Period)
- Benefit equal to 60% of weekly salary – the benefit is taxable income **see Certificate of Coverage for details
- Payments may last up to 13 weeks
- Pre-existing condition limitations apply for the first 12 months with a 3 month look back period
Voluntary Long-Term Disability
Long Term Disability insurance can pay you a monthly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.
LTD Benefit Features
- Benefit begins after a 90-day elimination period if remain disabled
- Benefit equal to 60% of monthly salary – the benefit is taxable income **see Certificate of Coverage for details
- Payments will last for as long as you are disabled, or until you reach retirement age (65), whichever is sooner
- Pre-existing condition limitations apply for the first 12 months with a 3 month look back period
Waiver of Premium: If you're disabled and receiving benefit payments, you cost may be waived until you return to work.
Certain exclusions and any pre-existing condition limitations may apply. Please refer to the Provider’s detailed benefit summary for details.
Video Preview
Short Term Disability Overview
Short Term Disability Overview
Video Preview
Long Term Disability Overview
Long Term Disability Overview
Employee Assistance Program
Employees are automatically eligible for an Employee Assistance Program (EAP) and is provided to you at no cost!
EAP Overview
- Provided through the ComPsych EAP Program that provides consultation for relationship issues, stress, coping with change, grief and loss, family and marital issues, adjustment disorder, depression, anxiety, addiction and domestic violence
- In-Person sessions that includes up to 5 face-to-face sessions per issue. Per person, per issue, per year.
- Live, 24/7 access to ComPsych clinicians. All clinicians hold master level degrees with at least 3 years of experience
- Assists in locating childcare and elder care services.
- Includes referrals to a local attorney that provides a 30-minute consultation for free.
- On-staff accredited financial consultants who can assist with credit management, budget analysis, home buying, mortgage/refinancing, retirement planning, basic estate planning.
- Consumer and Convenience Research—provides consultation, research and referrals on consumer issues, home and appliance repair, pet services, transportation services, house/apartment sitting resources and purchasing large ticket items.
- Online resources such as, articles, streaming videos and interactive tools.
This is a confidential, voluntary and professional program and is intended to be a short-term resource. This EAP is administered and provided by Carrier/Vendor Name and is available to you and your dependents at no additional cost.
ComPSYCH
Call: (888) 628-4824
Visit: www.guidanceresources.com
User ID: LFGsupport
Password: LFGsupport1
Voluntary Accident Insurance
Accident Insurance can pay a set benefit amount based on the type of injury and the type of treatment. It covers accidents that occur on and off the job. An option benefit, Accident Hospital Daily Confinement Benefit, pays a daily amount if you’re in the hospital for a covered illness. It’s available to each family member who has Accident coverage. You can receive $200 per day.
Who Gets Paid?
You get paid. When you have a covered accident or injury, your health insurance company pays your doctor or hospital, but your accident insurance company pays you. The money is paid directly to you, and you decide how to spend it.
What’s Covered?
Not all accidents are “qualifying injuries.” The kinds of accidents that are covered can vary by plan but accident insurance plans typically cover things like:
- Nonsurgical Fractures
- Nonsurgical Dislocations
- Concussion
- Lacerations
- Burns
- Dental Crown/Extraction
- Accidental Death
If you have a covered injury, accident insurance can help you pay for things like:
- Accidental death: employee ($50,000), spouse ($20,000) and child ($10,000)
- Hospital Admissions (injury): $1,000
- Hospital confinements: $200/day
- ICU: $400/day
- Ambulance Transportation: $300
- ER initial care visit: $100
- Surgical repair under general anesthesia: $225
- Fracture-nonsurgical: $100 to $3,500
- Laceration: $35 to $400
What it Doesn’t Cover
Accident insurance will not typically cover things like check-ups or hospitalization due to illness. Accident insurance will not cover you for injuries suffered before you purchased the plan.
What is the Cost of Accident Insurance?
Refer to the Ahola self-service portal / benefit enrollment for premium cost.
$50 WELLNESS BENEFIT - Per Covered Individual
You receive a cash benefit every year you and any of your covered family members complete a single covered assessment test.
Voluntary Critical Illness Insurance
How would you pay your bills if you were suddenly diagnosed with cancer and couldn’t work? Critical illness insurance doesn't’ pay your medical bills. It pays you if you’re diagnosed with a covered illness. The benefit is paid directly to you and is your choice how to spend it.
What’s Covered?
Critical illness can vary widely from one another. Some may focus on a single specific diagnosis, while others may provide you with coverage for a range of possible diagnoses, such as:
- Cancer
- Heart Attack
- Loss of Sight
- Loss of Speech
- Major Organ Failure
- Renal (kidney) Failure
- Arterial/Vascular Disease
- Severe Burns
- Stroke
- Permanant Paralysis
- Traumatic Brain Injuries
COVERAGE OPTIONS
- Employee: can choose from $5,000 to $20,000 in increments of $5,000. Coverage is guaranteed up to $20,000.
- Spouse: can choose from $2,500 to $10,000 in increments of $2,500. Coverage is guaranteed up to $10,000.
- Children: with your coverage election, your dependent children automatically receive 50% of your coverage amount at no extra cost
What is the Cost of Critical Illness Insurance?
Refer to the Ahola self-service portal / benefit enrollment for premium cost.
Pre-Existing Condition Limitation: During the first 12 of coverage benefits will not be payable for a pre-existing condition. A " pre-existing" condition is one in which you or an insured dependent receive treatment during the 12 months prior to the effective date of coverage. Treatment means consultation, care, and services provided or prescribed by a Physician for which symptoms exist.
If you are a participant in a Critical Illness plan which this plan replaces and are diagnosed with a pre-existing condition, we will consider whether the condition was payable under the prior plan when determining if it will be payable under this plan.
A complete list of benefit exclusions is included in the policy. State variations apply. See plan summary for details.
$50 WELLNESS BENEFIT - Per Covered Individual
You receive a cash benefit every year you and any of your covered family members complete a single covered exam, screening or immunization.
Voluntary Hospital Indemnity Insurance
Hospital indemnity compliments your health insurance to help you pay for costs associated with a hospital stay. The funds can be used to help pay for the out-of-pocket expenses that your medical plan not may cover, such as deductible and coinsurance.
Coverage is available for:
- Employee
- Spouse
- Dependent Children
NOTE: Employee must purchase coverage for themselves in order to purchase spouse or child coverage
Who Gets Paid?
You get paid. When you have a covered inpatient admission, your health insurance company pays your doctor or hospital, but your accident insurance company pays you.
What’s Covered?
Hospital related expenses with plan highlights listed below:
Hospital Admissions: $1,000 per day for 1 day per calendar year
Hospital confinements: $200 per day for 15 days per calendar year starting on 2nd day of confinement
Hospital Intensive Care: $200 per day for 15 days per calendar year starting on the 1st day of confinement
Complications of Pregnancy: Included
Newborn Care: $100 per day for 2 days per calendar year
Portability
If you leave employment for any reason, worksite benefits can be converted to a direct-pay policy. The same benefits and premium rate will apply. Lincoln will send a notice to your home address following your termination from the group plan.
Pre-Existing condition limitation:
A preexisting condition means a covered condition for which treatment was received during the look-back period prior to the effective date of coverage. Treatment means consultation, care, and services provided or prescribed by a physician. It includes diagnostic measures and the prescription, refill, or taking of prescribed drugs or medicines for which symptoms exist.
- Look-back period: A preexisting exclusion applies to conditions for which the employee received treatment during a 12-month period prior to the employee’s effective date of coverage.
- Exclusionary period: A preexisting exclusion applies during the first 12 months of an employee’s coverage or increase in coverage. Once this period is satisfied, the exclusion no longer applies.
Voluntary Pet Insurance
Pet Insurance through Pet's Best reimburses you for vet bills when your pet is sick or injured, to help take the financial worry out of vet visits.
- Fast claims processing and payment
- Optional direct deposit and direct vet pay options
- Use any veterinarian in the U.S. - including specialty and emergency clinics
- Exclusive employee discount on a BestBenefit plan*
- Optional coverage for routine care
- Access to a 24/7 pet helpline powered by WhiskerDocs
How to obtain a quote (it’s recommended to call the (888) number in order to run different options and ask questions):
Reference Code - RICHTER
Obtain a Quote - www.petsbest.com/richter
Phone - (888) 984-8700
HOW PET INSURANCE WORKS
Employee Contributions
Medical Per Pay Deductions
Dental Per Pay Deductions
Vision Per Pay Deductions
IMPORTANT CONTACT INFORMATION
Contact Information
Richter Contacts
Jessica Stroia
jessica.stroia@richterhc.com
(866) 806-0799