Administered by UMR

Baker Triangle offers a Preferred Provider Organization (PPO) Plan administered through UMR. The plan will offer you quality care, comprehensive coverage, and the ability to utilize the United Healthcare Choice Network throughout the United States.

Find a provider
Finding a network provider on umr.com or the UMR app has never been easier. LEARN MORE

Busque un proveedor
Buscar un proveedor de la red en umr.com o en la aplicación UMR nunca ha sido más fácil.  Aprender más

Administered by UMR

After the Calendar Year Medical Deductible has been met, prescription co-payments will apply.

• Tier 1 – Generic Drugs $0
• Tier 2 – Formulary Brand Name Drugs $25
• Tier 3 – Non-Formulary Brand Name Drugs $50
• Mail Order Co-Pay $0/$50/$100
• Specialty Drugs 20% up to $200 per Rx

OptumRx®
OptumRx® home delivery is convenient and reliable. Get a 3-month supply of your medications delivered to your mailbox—with free standard shipping. You can speak to a pharmacist any time, from the privacy of your own home and use the drug pricing tool for cost-saving opportunities.

Here’s how to get started with home delivery:

• ePrescribe. Ask your doctor to send an electronic prescription to OptumRx.
• optumrx.com or OptumRx app. Easily find your medications and set up home delivery in just a few steps.
• Phone. Call the toll-free number on your member ID card.

Administered by Optum Bank

A Health Savings Account (HSA) is an account that you and your employer can put money into to save for future medical expenses. There are certain advantages to putting money into these accounts, including favorable tax treatment.

The HSA is Unique Because:

• Money used for eligible expenses is not taxed.
• Investment earnings are not taxed.
• Money spent on eligible expenses is not taxed.
• The money rolls over year to year.
• You own the account and you control how the money is spent.

Eligible Expenses:
HSA money can be used tax-free for any eligible health care expenses. In general, eligible health care expenses are those that qualify toward the deductibles, copays, and coinsurance with your health insurance.

The money in your HSA must be used for eligible medical, dental, vision, and prescription drug expenses. If you use money for a dental, vision or medical expense that is not covered by the medical plan, it is important to understand that your medical plan deductible will still need to be met if an expense is incurred.

For a complete list of IRS approved Qualified Medical Expenses, visit www.irs.gov.

2025 Baker Triangle HSA Contribution: You must elect the HDHP/HSA Medical Plan and set up an HSA account with Optum Bank BEFORE Baker Triangle can make any contributions to your HSA account.

• Employee Only: $500
• Family: $1,000

2024 Annual HSA contributions Limits:
(Add an extra $1,000 if you are age 55 or older)

• Single: $4,150
• Single+1/Family: $8,300

2025 Annual HSA contributions Limits:
(Add an extra $1,000 if you are age 55 or older)

• Single: $4,300
• Single+1/Family: $8,550

IMPORTANT! You must set up an account with Optum Bank BEFORE BakerTriangle can make any contributions to your HSA account! To create an account, follow these steps:

1. Visit optumbank.com and click on "Open an HSA" located in the top menu.
2. Proceed by clicking the "Next" button at the bottom of the page to confirm your enrollment.
3. Fill in all the necessary information, and please note that Baker Triangle's Group number is 76413215.
4. Finally, select the "Next" button to successfully complete the process.

Once your HSA is established, Optum Bank will inform Baker Triangle's Payroll Department. The elected contribution amount will then be automatically deducted from your paycheck.

Administered by Teladoc

Your anytime, anywhere healthcare benefit!

General Medical (24/7 Care)
Need care for non-urgent and common conditions? Get same-day appointments with a certified clinician from wherever you are. Our clinicians diagnose, treat and even prescribe medicine if needed.

Dermatology
Dealing with a skin issue? Start an online skin review with a dermatologist by uploading images and details of your concern. Get a treatment plan and prescription if needed in 24 hours or less

Mental Health
Have real conversations and see progress with a therapist or psychiatrist of your choice. Available 7 days a week from the privacy of your own home

Refer to your employee booklet at umr.com for Teladoc benefits. Set up your account or log in to schedule a visit. Visit Teladoc.com | Call 1-800-TELADOC (800-835-2362) | Download the app

Administered by Mutual of Omaha

The Mutual of Omaha Dental PPO plan provides you and your family with coverage for preventive dental care and both major and basic dental procedures to improve overall oral health.

You can find an in-network provider using the Mutually Preferred Network.

To find an in-network provider, visit mutualofomaha.com/dental. You are free to choose an out of-network provider, but your out-of-pocket costs will be higher. LEARN MORE

Exclusive Offer
Through an affiliation with Z Dental, Mutual of Omaha dental customers can take advantage of an exclusive offer to purchase the Z Sonic Pulse Toothbrush or Z Dental Water Flosser for $59.95 or buy any combination of two for only $99.95. LEARN MORE

Administered by VSP

Administered by Mutual of Omaha

Voluntary Short Term Disability (STD)
You have the opportunity to purchase STD coverage to protect your income. STD covers employees who become disabled as a result of an injury or sickness that is not work related. It replaces a part of the income that you would have earned had you been able to continue working. 

With the STD plan, you are eligible for a weekly payment up to 60% of your base earnings, not to exceed $2,500 per week. Both accident and sickness benefits begin after 14 days and last up to 11 weeks.

Important Note: If you have previously declined STD and are enrolling for the first time; you will be required to go through the Evidence of Insurability process. You must complete and submit any additional information required within 30-Days or you will not be enrolled in STD coverage. Contact your Benefits Coordinator if you have any questions.

Basic Long-Term Disability (LTD) for Management
Baker Triangle offers and pays the full premium for your LTD coverage. The plan provides a monthly payment of up to 60% of your base earnings, not to exceed $10,000 per month. Benefits become payable after 90 consecutive days of being unable to work due to a disability.

Evidence of Insurability is simply a statement that proves a person is healthy enough to insure. This application process allows you to provide information about you and/or your dependents’ health history in order to be considered for coverage. LEARN MORE

Download a guide for successfully completing the Group Insurance Evidence of Insurability Form HERE

Administered by Mutual of Omaha

Basic Life Plan
The Baker Triangle Basic Life plan is a 100% employer-paid benefit that provides your family with $15,000 in the event of your death. Be sure to identify your beneficiaries during your new hire enrollment period!

Optional Term Life Insurance
Employees who want to supplement their group life insurance benefits may purchase additional coverage for themselves and their dependents. When you enroll yourself and your dependents in this benefit, you pay the full cost through payroll deductions.

• For yourself, you may purchase increments of $10,000 up to five times your annual compensation, not to exceed $500,000. Guaranteed issue amount is $200,000 for newly eligible employees.
• For your spouse, you may elect coverage in increments of $5,000 to a maximum of 100% of the Employee election or $250,000. Guaranteed Issue amount is $50,000 for newly eligible spouses.
• For your child(ren), you may elect coverage in increments of $1,000 to a maximum of 100% of the employee election, not to exceed $10,000. The maximum death benefit for children from birth to 6 months is $1,000.

You must elect Optional Life coverage for yourself in order to cover your spouse and/or children. Be sure to identify your beneficiaries during your new hire enrollment period!

Will Preparation Services

Creating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you die. Whether you’re single, married, have children or are a grandparent, your will should be tailored for your life situation. LEARN MORE

Download a guide for successfully completing the Group Insurance Evidence of Insurability Form HERE

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.

CLAIM PORTAL: LEARN MORE

Administered by Chubb

Critical Illness Insurance provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition such as heart attack, stroke, or cancer. It can help provide financial protection so you can focus on what’s really important — getting better.

Plus, the plan will also pay you a $50 cash benefit every year you and each of your covered family members complete a covered health screening test.

During your new hire enrollment period only, you can elect coverage without answering medical questions!

• Employee: up to $20,000
• Spouse: up to $20,000 (not to exceed 100% of employee's elected amount)
• Child(ren): Your dependent children automatically receive 50% of your coverage amount at no extra cost

Administered by Chubb

Hospital indemnity insurance can reduce the financial stress of a hospital stay by providing a lump-sum cash benefit directly to you that can be used however you need. The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Even with health insurance, a stay in the hospital can become very costly very quickly as out-of-pocket charges begin to add up.

Plus, the plan will also pay you a $50 cash benefit every year you and each of your covered family members complete a covered health screening test.

CLAIM PORTAL: LEARN MORE

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

• Coverage is available for yourself, your spouse, and your child(ren).
• Flexible permanent insurance designed to last a lifetime.
• Benefits for long term care services such as home health or nursing home care - you can access 4% of the selected life benefit per month if you need LTC.
• Death Benefit is guaranteed 100% when it is needed most – during the working years when a family is relying on income. While the policy is in force, the death benefit is guaranteed for the longer of 25 years or through age 70.
• Even after age 70, when income is less relied upon, the death benefit is guaranteed to never be less than 50% of the original death benefit.

During your new hire enrollment period only, you have a special opportunity to elect coverage, up to the amounts below, without answering medical questions! Spouses will need to answer just a few medical questions.

• Employee: up to $100,000
• Spouse: up to $75,000
• Child(ren): up to $25,000

VIDEO: LEARN MORE

CLAIM PORTAL: LEARN MORE

Administered by Mutual of Omaha

Life isn’t always easy. Sometimes a personal or professional issue can affect your work, health and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone.

With Mutual of Omaha’s Employee Assistance Program, you can get the help you need so you spend less time worrying about the challenges in your life and can get back to being
the productive worker your employer counts on to get the job done. 

Worldwide Travel Assistance That Travels With You

Take comfort in knowing that Travel Assistance* travels with you worldwide, offering access to a network of professionals who can help you with local medical referrals or provide other emergency assistance services in foreign locations. LEARN MORE