2025 Benefits

Administered by Allied

Kesser offers two medical plans for you to choose from:

• HDHP with HSA - IRS approved preventive drugs obtained through a pharmacy covered at 100% by Kesser; deductible waived!
• ACP 16-Medicare

Click here to learn more about your medical plan options through Allied.

Click here for a full list of IRS approved preventive drugs for the HDHP plan.

Telemedicine through Teladoc
Teladoc is an affordable solution to the challenge of healthcare access. Teladoc provides you and your family with round-the-clock access to U.S. based licensed physicians for telephone consultations. Regardless of your location, you can connect with a doctor in real-time for treatment or diagnosis of common conditions.

Phone: 1-800-TELADOC (835-2362)

• How to Set Up Your Teladoc Account
• Teladoc Mobile App Flyer

Administered by First American Bank

When you enroll in our High Deductible Health Plan (HDHP), you have the option to open a Health Savings Account (HSA). HSA funds can be used to pay for eligible medical, dental and vision expenses for you and your eligible dependents, including deductibles, coinsurance, prescriptions, acupuncture and more, tax-free, now and in the future. Family members do not need to be covered under your plan in order to use the HSA funds.

With the HSA, you are in charge. You decide:

• How much you’ll contribute;
• When to pay for eligible expenses with HSA funds directly (you can also reimburse yourself from the account);
• How and if you want to invest your HSA funds (a balance of at least $2,000 is required to invest); and
• Whether to save HSA funds for future expenses or retirement.

Kesser will be making a $500 Single, $750 Employee + Spouse, $750 Employee + Child(ren), and $1,000 Family contribution into your HSA. The contribution is in two installments: the first pay period in January and the first pay period in July.

2025 Annual HSA Contributions Limits:

• Single: $4,300
• Single+1/Family: $8,550
• Add an extra $1,000 if you are age 55 or older

2025 Kesser HSA Contributions:

• Team Member: $500
• Team Member + Spouse: $750
• Team Member + Child(ren): $750
• Family: $1,000

Administered by BlueCross BlueShield

Kesser offers two dental plans for you to choose from:

• PPO High Plan
• PPO Low Plan

Our dental plans provide you and your family with coverage for preventive dental care and both major and basic dental procedures to improve overall oral health.

• Click here to learn more about the PPO High Plan
• Click here to learn more about the PPO Low Plan
• Click here to learn more about the BAM experience
• Click here to view member flyer
• Click here to view network advantage flyer
• Click here to view the virtual dental visits flyer
• Click here to learn how to find a provider
• Click here to view dental ID cards
• Click here to view high plan booklet
• Click here to view low plan booklet

Administered by BlueCross BlueShield
Network: Eye Exam

Our Vision Plan provides you with coverage for eye exams, lenses and frames—vision care for the whole family. Contact lenses are also covered, in lieu of prescription lenses. 

For a complete list of in-network providers near you, visit member.eyemedvisioncare.com/bcbsil or call 1.855.362.5539.

• Click here to view benefit summary
• Click here to view FAQ Flyer
• Click here to view How to Use Benefits Flyer
• Click here to view Mobilize Your Plan Flyer 
• Click here to maximize your contact benefit

Administered by Transamerica

Voluntary Short-Term Disability (STD)

When you can’t work, income replacement insurance can be a financial lifeline during an uncertain time. That’s the assurance of TransDI Plus. It helps replace up to 60% of your salary if you’re unable to work due to total disability. Your company is making this voluntary insurance available to you. You can select the amount you want to buy in $100 increments. Once you’ve satisfied the waiting period, your benefits will continue as long as you are totally disabled, up to the maximum waiting period stated in the policy. If you are ready to return to work immediately after being totally disabled but cannot yet work full-time, you could receive up to 50% of your monthly benefit for up to six months while you are partially disabled.

FLEXIBLE BENEFIT AMOUNTS
With TransDI Plus, you can select the amount you want to buy in $100 increments. For periods of disability that last less than one month, you will be paid at 1/30th of the monthly benefit for each day you are eligible to receive benefits.

• Click here to learn more.
• Click here to view the carrier video.

All claims can be filed by contacting Transamerica directly at 888-763-7474 or by visiting transamerica.com.

Administered by BlueCross BlueShield

Basic Life and AD&D

Basic Life Insurance is only for employees who are enrolled in Major Medical plans ($5,000 HDHP or ACP 16-Medicare). Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Always make sure your beneficiaries are updated. The cost of the benefit is 100% paid for by the company.

Administered by Chubb

Cancer Advocate is more than just advocacy; it is a comprehensive program that is designed to help save lives. By combining financial protection and personalized cancer care, Cancer Advocate aims to provide employees with the best possible outcomes.

Cancer Risk Screening

One of the key features of Cancer Advocate is genetic cancer risk screening. This screening allows individuals to determine their risk for cancer based on their genetic makeup. By understanding your genetic predisposition, you can take proactive steps to manage your risk and potentially prevent the onset of cancer.

Cancer Management

Additionally, Cancer Advocate offers pharmacogenomic (PGx) testing. This innovative approach analyzes your DNA to determine the most effective treatment options for your specific genetic profile. By tailoring treatment plans to individual patients, this analysis can maximize the chances of successful outcomes and minimize potential side effects.

Insurance Protection

Employees with Cancer Advocate will receive cash payments over a 12–month period to help reduce the financial burden of cancer. Cancer Benefit payment can be in increments of $5,000 for up to $15,000 in cash payments. Payments are made directly to the employee, or upon death, to the designated beneficiary.

Cancer Care

But Cancer Advocate doesn't stop there. Chubb understands that navigating the complex world of cancer care can be overwhelming. That's why Cancer Advocate provides a dedicated oncology nurse advocate to guide you through every step of your journey. From coordinating clinical trial enrollment to facilitating expert medical reviews, Chubb will provide a nurse advocate to be there to support you and ensure you receive the highest quality care.

Cancer Recovery

Employees will also receive Recurrence Monitoring for up to 3 years following completion of active treatment, with frequency tailored to employees’ specific cancer type.

Privacy

Neither your insurer, employer, nor healthOme have access to view employee health or genetic data, which is considered Protected Health Information (PHI). Employees have full control over who has access to their data.

• Click here to learn more.

Cancer Advocate Plus Contact Information

• Policy questions, please call 866-445-8874
• To file a claim:
  • Visit chubb.com/workplacebenefitsclaims
  • Call 833-542-2013
  • or email cwbclaimsteam@chubb.com

Administered by Aura

Identity theft can happy to anyone. With Aura’s Identity Protection plan you’re able to have financial account and credit monitoring and 24/7/365 alerts and fraud recovery. You will receive personalized threat insights to help you protect yourself against the latest trends and fraud scams. You can get reimbursed for many out-of-pocket costs that occur with fraud cases including stolen wallet emergency case up to $500. Should fraud happen to you, Aura is there to help and guide you.

Administered by Aetna

This plan provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Click here to learn more!

Newly eligible employees have a special opportunity to elect coverage, up to a certain amount, without answering medical questions!

Administered by Aetna

When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Click here to learn more!

Enroll without answering medical questions!

Administered by Aetna

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges 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 coinsurance or childcare. This plan covers hospitalization due to COVID-19, accident, illness, and childbirth.

Enroll without answering medical questions!

Administered by Transamerica

We understand that your health can impact your finances and vice versa. That’s why our universal life insurance also includes a rider (or “benefit”) for long-term care needs that allows you to access a portion of your death benefit in the event you require extended care. The benefit can then be used to help pay for licensed care at home,  in a facility, or even if you’re confined to a hospital or other care facility for specialized treatment.

During this open enrollment, you can enroll up to $200,000 without answering medical questions! 

• Click here to view brochure
• Click here to view example of benefit
• Click here to view carrier video 

All claims can be filed by contacting Transamerica directly at 888-763-7474 or by visiting transamerica.com.

Administered by John Hancock

• Learn More About the Blackout Period
• Learn More About John Hancock
• Information About the Transfer of Your Plan
• 404a-5 Plan & Investment Notice

Administered by BlueCross BlueShield

EAP service offers caring and professional assistance for a broad range of concerns including stress management, depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or alcohol abuse. Services are confidential - neither your employer nor co-workers have knowledge of your request for help. EAP services are available 24 hours a day, seven days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it. Call 866.899.1363 to get started.

Possible reasons to call can include:

• Stress and depression
• Life transitions
• Grief and loss
• Parenting and child
• Elder care
• Domestic violence
• Workplace conflict
• Work/life
• Addiction and recovery
• Financial issues
• Legal assistance

The EAP is there for when you need it. Need some more specialized face-to-face assistance? The EAP offers up to 3 face-to-face visits with trained counselors for each issue you may have. Click here to learn more!

Kesser is committed to supporting employees mental, emotional, and physical well-being through Kessers' Wellness Program. Kesser realizes the tremendous stress and emotional weight the last several years have had on our industry and is committed to providing well-being solutions for employees that will restore their physical health, mental health, and capacity to care.

Biometric screenings offer an opportunity for individuals to discover and become aware of conditions and risks they did not know of at the time.

We encourage you to participate in our program and take advantage of its resources. 

Administered by WEX, for Illinois residents only 

AA Mass Transit account allows you to put aside money ($325) to pay for eligible transit expenses you purchase to commute to and from work. The funds going into your transit account are tax free, which saves you money on services you already purchase.

Eligible expenses include:

• Train
• Bus
• Subway
• Ferry
• Vanpool (must seat at least 6 adults)

Fast Savings
You can save up to 30 percent (based on 30 percent tax bracket) or more on your costs of commuting to and from work.

Get hours back in your day
The average one-way commute to work is nearly 30 minutes! By using public transit, you can use that time to read news, text friends or get a start on your day.

Improve your health 
Studies have shown that people who commute to and  from work in a method other than a private vehicle have lower BMIs. And the drive to work can be stressful.

Environmental Impact
Do your part to reduce traffic congestion and air pollution.