There are two ways to elect benefits:
If you cover dependents, you must provide each dependent’s Social Security Number or Tax Identification Number, date of birth, and gender.
Administered by Blue Cross Blue Shield of Illinois
Hub Group offers medical coverage through Blue Cross Blue Shield of Illinois (BCBSIL). In these plans, you will have access to a large provider network of doctors and hospitals, giving you the ability to receive the greatest discounts on your healthcare expenses. Your medical claims will be adjudicated by BCBSIL.
There are two traditional PPO medical plans to choose from. Employees who reside and receive care in Wisconsin, Georgia, and Florida are subject to select medical networks.
Administered by Chubb
Even with health insurance, a stay in the hospital can quickly become costly as out-of-pocket expenses begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump-sum cash benefit directly to you that can be used however you need, whether that’s for deductibles, coinsurance, or even childcare expenses. Medical history is not required for coverage to be issued.
Administered by Chubb
Having an unexpected accident can cause more than physical injury; it can hurt your bank account, too. Accident Insurance can help cover the out-of-pocket costs associated with on- and off-the-job accidents by paying you a benefit depending on the injuries you suffer and the treatment you receive. Coverage applies to events such as concussions, dislocations, fractures, physical therapy, and X-rays. Receive an additional 25% on each benefit for injuries sustained in an organized sport. Every year that you complete a qualified health screening, you’re eligible for a $75 Health Screening Benefit. Your covered dependent(s) (if applicable) are also eligible to receive the benefit. Medical history is not required for coverage to be issued.
Administered by WEX Health
There are two types of FSAs offered by Hub Group: Healthcare FSA and Dependent Care FSA. You can manage your account online at www.wexinc.com.
Administered by Guardian
The Guardian Vision Plan gives you a choice between Vision Service Plan (VSP) and Davis Vision, making finding an in-network doctor easy! To locate an in-network provider, you can visit: guardianlife.com. You are free to choose an out-of-network doctor, but you will receive significant discounts with an in-network provider.
Please note that once you choose VSP or Davis, you are unable to switch networks until the next annual enrollment.
Administered by The Standard
Life Insurance with Long-Term Care Coverage features premiums guaranteed for life and coverage for qualified Long-Term Care expenses like nursing home, assisted living, or home care. This plan provides money to your family at death, and while you are living, too, if you need home health care, assisted living, or nursing care. For about the same premium, it provides higher benefits than whole life and continues to age 100. Coverage is available for you, your spouse, and child(ren). To learn more or enroll in this coverage, please schedule an appointment with a benefit counselor.
Plan Features:
Long-Term Care (LTC)
If you need LTC, you can access your death benefit while you are living for home health care, assisted living, adult day care and nursing home care. You receive 6% of your death benefit per month while you are living for up to 17 months to help pay for LTC. Insurance premiums are waived while this benefit is being paid.
Extension of Benefits
Extends the monthly Long-Term Care benefit for up to an additional 17 months, totalling 34 months, after 100% of the base death benefit has been used for LTC.
Guarantee Issue
During this open enrollment period, Guarantee Issue is available up to $200,000 for employees, up to $25,000 for spouses, and up to $20,000 for children under the Child Term Rider without submitting medical questions.
Administered by MetLife
Legal coverage gives you easy, direct access to a national network of more than 18,000 attorneys that provide telephonic advice and office consultations on a broad range of personal legal needs.
Click here (Español) to learn more about Legal insurance through MetLife.
You must schedule a benefit counselor appointment to enroll.
Prescription drug coverage is automatically included when you enroll in one of the medical plan options and is provided by Prime Therapeutics.
Express Scripts Accredo Pharmacy
If you are prescribed a specialty medication by your doctor, you are required to fill the specialty medication prescription through Express Scripts Accredo. If you choose to obtain your covered specialty medication through any contracting pharmacy other than through the Express Scripts Accredo program, you will be subject to a reduction in benefits. Visit patient.accredo.com. Select New User? Register Now. and follow the instructions to create an account. You can also call 833.721.1619, 24/7 to create an account or to transfer your current prescriptions.
Flex Access
Medicines for long-term health conditions can be expensive and hard to get when and where you need them. FlexAccess is here to help. FlexAccess is a unique copay assistance solution for Blue Cross and Blue Shield of Illinois (BCBSIL) members. It maximizes prescription savings opportunities, ease of use and access to cost-sharing assistance.
How it works:
When you are taking a specialty medication, the program automatically reaches out to you by phone to engage in the copay assistance program. The concierge service assists you in finding, enrolling, and managing your copay assistance for a list of targeted drugs. If a coupon is available that lowers the net cost, you will pay that lowest amount.
Maintenance Medication Options
The 90DayMyWay program with BCBSIL will save you both time and money. You can obtain your 90-day supply of maintenance medications through a network of contracting retail and mail service pharmacies. Two 30-day fills are permitted at a retail pharmacy before you are required to move to a 90-day supply. Otherwise, the prescription is not covered. Your specific health care benefit plan and whether your medication is generic, formulary or non-formulary brand will determine the amount you pay. Using a generic or formulary medication will save you money. If you haven’t used mail order yet, you can also call 833-715-0942 or visit express-scripts.com/rx to get started.
Administered by Chubb
No one plans to get sick, which is why being diagnosed with a condition can be especially draining, both emotionally and financially. This policy provides you with a lump-sum cash benefit in the event you or a covered dependent is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important—getting better. You also have the option to select your level of coverage so you can make sure you have the right protection for your family. Every year that you complete a qualified health screening, you’re eligible for a $100 Health Screening Benefit. Your covered dependent(s), if applicable, are also eligible to receive the benefit. See below for further information regarding the Guarantee Issue amounts.
Plan Features:
Guarantee Issue and Enrollment
During this open enrollment period, you may elect up to the Guarantee Issue and Plan Maximum amount of $30,000 for employees, up to $30,000 for spouse, and $15,000 for children, if applicable, without answering medical questions. Child coverage is limited to 50% of the employee’s coverage amount.
Administered by Guardian
Hub Group offers a PPO Dental Plan through Guardian. With the Guardian PPO DentalGuard Preferred network, you may go to any dentist of your choice within the PPO network. In-network dentists have accepted a negotiated and discounted fee. You are free to choose an out-of-network provider, but your out-of-pocket costs will be higher.* To locate an in-network dentist, you can visit: guardianlife.com.
2027 Dental Plan Summaries
Coming soon!
*Out-of-Network covered dental services will be eligible for payment at the 90th percentile of usual and customary allowances.
Administered by The Standard
Basic Life and AD&D insurance – Hub Group Sponsored
Basic Life and AD&D Insurance is paid for by Hub Group and provided at no cost to all benefit-eligible employees. Supplemental Life and Supplemental Accidental Death & Dismemberment (AD&D) Insurance is also available for you to purchase additional coverage. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date.
Benefit Amount: $20,000
Age Reduction Schedule: At age 70, benefits will reduce by 35% of the original amount. At age 75, benefits will reduce an additional 15% of the original amount.
Supplemental Life and AD&D insurance
Supplemental Life Insurance and Supplemental AD&D is available in addition to your Hub Group-provided Basic Life and AD&D. You may purchase life insurance for your spouse and dependents only if you purchase Supplemental Life Insurance coverage for yourself. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date. Employee and spouse rates are age banded. Rates are calculated on the employee’s age as of January 1, 2027. Your premium will be calculated based on your election. During this enrollment period only, you can elect coverage without answering medical questions!
Portability and Conversion Options
If you terminate your employment with the Hub Group or cease to meet the eligibility requirements for the Group Term Life Insurance policy, you may be able to convert to individual life insurance coverage under the Portability and/or Conversion provisions of the policy. Forms with further information regarding your options can be obtained from the Benefits department, and a written application must be made within 31 days of termination.
Offered by The Standard, Administered by Health Advocate
Everyone needs help sometimes solving problems. Your well-being, productivity, and happiness depend on balancing your life at home and your life at work. Hub Group recognizes that it’s difficult to be on task at work when you are worrying about problems at home, and you can’t devote sufficient time to yourself and your family if you’re feeling overwhelmed by the demands of your job. As an employee of Hub Group, your benefits package includes the EAP at no cost to you. The program supports productivity and resilience in the workplace, offering confidential support 24/7, 365 days a year.
Administered by Allstate
Identity Protection is one of the leading identity theft and security vendors with a comprehensive roster of services including the following benefits:
You are immediately eligible to participate in Hub Group’s Profit Sharing and Trust Plan, provided that you are not an intern, seasonal or temporary employee.
You will be automatically enrolled at 6% pre-tax contributions after approximately 6 weeks of employment. If you wish to increase or decrease this amount, you must do this by accessing your 401(k) account at www.401k.com. To opt out of auto-enrollment, you will need to make a deferral election of 0%. For assistance with creating your Fidelity account and instructions for changing your deferral election, please contact Fidelity at (800) 835-5097.
If you do not make any changes, your contributions will automatically be invested in an age-based BlackRock LifePath Fund.
You will receive notification and plan information from Fidelity within 3 weeks of your hire date.
At the Company’s discretion, Hub Group may make a match contribution on your deferrals. Historically, this match has been 50% of the first 6% of your contributions. To be eligible for any company contributions, you must work at least one year (at least 1,000 hours during your first year – anniversary to anniversary). For the Company’s matching contribution to vest, you must be an active employee on the payroll on December 31st of the year in which you have earned the match. If you meet the eligibility requirements, the match will be contributed at the beginning of each year (typically in the first quarter) for the prior year. The match will be made on contributions from eligible earnings only (those contributions made after your anniversary date). Please note that the Company reserves the right to modify or eliminate this Company match at any time.
