Medical Summary Benefits & Coverage - BCBS
Dental Summary Plan DescriptionsVision Summary Plan Descriptions
We pride ourselves on offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below or review your Benefit Guide.
Administered By BlueCross BlueShield of Texas (BCBSTX)
You may enroll in one of two medical plan options:
Each plan includes access to the BlueChoice PPO network. You may visit any doctor or specialist of your choice without a referral. When you use an in-network provider, you will receive benefits at a higher level resulting in less out-of-pocket expenses.
How to Find a Network Provider
Finding an in-network doctor is easier than ever. Most importantly, you are in control when searching on bcbstx.com. After logging into Blue Access for Members, your search results are personalized according to
your health plan, so you get the information you need to make the right decisions for you and your family.
Administered by TaxSaver Plan
Flexible Spending Accounts (FSA) provide you with an important tax advantage that can help you pay for health care and dependent care expenses on a pre-tax basis. By estimating your family’s health care costs for the next year, you can lower your taxable income and save money. There are two types of Flexible Spending Accounts:
You may participate in one or both accounts. You may deposit up to $3,200 per year in a Health Care FSA and/or up to $5,000 per year in a Dependent Care FSA.
Please note that these accounts are separate — you may choose to participate in one, both, or neither. You cannot use money from the Health Care FSA to cover expenses eligible under the Dependent Care FSA or vice versa.
You must actively re-enroll in either FSA plan each year. You are not automatically re-enrolled.
USE IT OR LOSE IT
Submit claims up to March 31 of the following year for expenses from January 1 to December 31. If you do not spend all the money in this FSA by March 31, per IRS regulations, unused dollars will be forfeited for pretax contributions.
Administered by Cigna
Keep a smile on your face and more money in your pocket with our dental plan. All employees have the option to enroll in the Dental PPO plan. As a member of the Dental PPO plan, you may use dentists outside of the Dental PPO plan network.
American Leather and Brookline employees also can enroll in the DHMO plan. If you are enrolled in the DHMO plan, you must use in-network providers only in order for benefits to be paid by this plan. The DHMO provides set copay amounts for services received.
To search for in-network providers, log on to cigna.com
Administered By EyeMed
Our vision coverage through EyeMed offers two plans from which you can choose:
To search for in-network providers, log on to eyemed.com
Administered by Lincoln Financial Group
Short-Term Disability (STD) Insurance
American Leather, Brookline Furniture, and Lee Industries provide you with Short-Term Disability coverage through Lincoln Financial Group. The benefit amount is based on 60% of your income, up to $500 per week. This amount may be offset by other income benefits, including any local or state disability. Benefits begin at time of disability for accidents and after seven days for illnesses. This coverage can provide benefits for up to a maximum of 13 weeks if continuously disabled.
Long-Term Disability (LTD) Insurance
As an added protection to ensure your financial stability, American Leather, Brookline Furniture, and Lee Industries also provide you with Long-Term Disability coverage through Lincoln Financial Group. If your disability extends beyond 90 days, this coverage can replace 60% of your earnings, up to a maximum of $6,000 per month. Your benefits may continue to be paid until you reach normal retirement age as long as you meet the definition of disability.
We are pleased to provide a program to help you learn more about your Medicare options. If you are 65 years or over, or will turn 65 in the next 12 months, you and your Medicare eligible family members have the opportunity to take part in a personalized Medicare Consultation.
Our licensed Senior Benefits Advisors are available to speak with you to discuss your questions. During your individual appointment, you will receive the support you need in order to understand your options including:
To schedule a telephonic appointment, click the button below or call 833-421-0008, Monday - Friday, 9 a.m. - 5 p.m., CT.
Administered by Alerus
A 401(k) is a type of retirement plan offered through your workplace. Here are a few reasons why you should participate:
Resources:
Administered by Chubb
LifeTime Benefit Term Insurance with Long Term Care (LTC) provides lifelong protection with flexible premiums. It is one policy with two benefits - life insurance coverage for your family and long term care benefits if you need them.
As Life insurance, this plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.
Program Highlights
During this enrollment period only, you have a special opportunity to elect coverage, up to $100,000 for yourself and up to $25,000 for your child(ren), without answering medical questions! You can elect up to $75,000 for your spouse after answering a few medical questions.
Click here and watch the video below to learn more!
Administered by Chubb
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. We are proud to offer an enhanced plan with increased benefit payouts on fractures, dislocations, ER visits, and hospital stays.
And every year that you complete a qualified health screening, you are eligible for a Wellness Benefit of $50 or $75 per insured per year.
Administered By Chubb
Critical Illness Insurance protects your family and your assets. No one saves to get sick, which is why being diagnosed with a covered condition can be especially draining, both emotionally and financially. The policy provides you with a lump-sum cash benefit in the event you or an insured loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on getting better.
Plus, the policy will pay you a $50 wellness benefit per insured, once per year when you and/or your covered dependents complete a qualified health assessment. New this year: The enhanced wellness benefit now covers 12 additional qualified health assessments including Biometric screenings and no benefit waiting period.
Also new this year, this plan now covers 3 additional critical illnesses for adults, 7 additional critical illness for children, an increased benefit payout for Breast Cancer, and unlimited benefit payouts.
Click here to learn more!
Administered By Chubb
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.
Plus, the policy will pay you a $50 wellness benefit per insured, once per year when you and/or your covered dependents complete a qualified health assessment. The enhanced wellness benefit now covers 12 additional qualified health assessments including Biometric screenings and no benefit waiting period.
Additional enhancements include increased hospital admission benefit amounts and 4 additional covered benefits:
Administered by Lincoln Financial Group
Basic Life and AD&D Insurance
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.
Eligible employees are covered in the amount of either $30,000 or one and one-half times your basic annual earnings, up to a maximum of $150,000.
Voluntary Life and AD&D Insurance
You may also choose to purchase Voluntary Life Insurance coverage in addition to the company-paid benefit. You pay the total cost of this benefit through convenient payroll deduction.
All medically enrolled employees and spouses will have the opportunity to participate in an annual physical to earn a Wellness Incentive towards your Medical Premium in 2025.
All questions regarding your Wellness Program structure, status in the program, deadlines, etc. should be directed to your Wellness Team via the Wellworks For You Portal.
Simply select Contact Us from the Portal homepage or Wellworks For You mobile app. You can also call Wellworks For You at 800.425.4657.
Medical - BlueCross BlueShield of Texas
Dental - Cigna
Vision - EyeMed
FSA - TaxSaver Plan
LifeTime Benefit Term Insurance with LTC
Accident, Critical Illness, Hospital Indemnity - Chubb
Life and Disability - ARAG