Administered by Anthem Blue Cross Blue Shield

Because there is nothing more important than your health, BRIA offers multiple medical plans through  Anthem Blue Cross Blue Shield. Choice is important when selecting the right medical plan. Take the time to learn about your options to ensure you select the right plan for you and your family. All plans have access to the BlueCard PPO Network which means that the plan has National coverage. Employees can see doctors outside of Illinois as long as they participate in the BlueCard PPO network. Please note that the available medical plans do not offer out-of-network coverage.

Please refer to your specific benefit guide for more information and rates.

Administered by United Healthcare

Regular visits to your dentist can protect more than your smile; they can protect your health. We are proud to offer PPO dental coverage through United Healthcare. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network dentist. The options provide three levels of providers to offer you the best savings possible. Our plans covers a wide variety of dental services in-network and covers preventative services at 100%.

Please refer to your specific benefit guide for more information and rates.

Administered by United Healthcare

Regular eye exams can help detect other health problems. Your eye doctor may even spot other conditions such as high blood pressure or diabetes. We are proud to offer vision benefits through United Healthcare. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network doctor.

Please refer to your specific benefit guide for more information and rates.

Administered by Flex Facts

A Health Savings Account (HSA) allows employees who participate in the silver plan to contribute funds to a personal HSA on a pre-tax basis, which can be used to pay for eligible medical expenses until the deductible is met.

Total contributions to the plan cannot exceed the IRS maximum for 2024 will be $4,150 for an employee and $8,300 for a family; employees age 55 or over may contribute an additional $1,000. The HSA is your account and will roll over from year to year and will stay with you if you depart from BRIA. To be eligible for this account, you must not have coverage under another medical plan.

How an HSA Works

• An HSA is a personal savings account that allows you to set aside pre-tax dollars for current and future healthcare expenses for you and your dependents.
• You are eligible to open an HSA if you are enrolled in an HSA-eligible high-deductible health plan.
• Your HSA is funded by payroll deduction, online banking transfer or a direct contribution.
• Use your funds to pay for current healthcare expenses, preserve your funds for tax-free growth, or invest your funds for long-term savings. 

• HSA-eligible health plans typically have lower monthly premiums, giving you an opportunity to contribute those savings into an HSA.
• Your HSA stays with you, even if you leave your employer.
• Unlike an FSA, unused funds stay in your account from year to year and earn interest tax-free.
• Money goes in tax-free, grows tax-free and withdrawals are tax-free if used on eligible items.
• Once your account balance reaches $1,000, savings can be invested for growth, just like a 401k.

Please refer to your specific benefit guide for more information and rates.

Administered by Transamerica

Paychecks lost due to an injury, illness, or pregnancy can cause financial hardship. When you are unable to work, short-term disability insurance can help make ends meet by paying a portion of your salary so you can focus on getting better.

Please refer to your specific benefit guide for more information and rates.

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 $100 Wellness Benefit. COVID-19 testing is covered as an eligible health screening benefit.

Please refer to your specific benefit guide for more information and rates.

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. This benefit also covers a COVID-19 diagnosis. And every year that you complete a qualified health screening, you are eligible for a $100 Wellness Benefit. COVID-19 testing is covered as an eligible health screening benefit.

Please refer to your specific benefit guide for more information and rates.

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.

Please refer to your specific benefit guide for more information and rates.

Administered by Transamerica

In the event of an emergency or the unimaginable, Transamerica’s TransElite universal life insurance can help families with financial support to maintain their quality of life. A death benefit helps safeguard a family’s future after the insured is gone. Plus, the cash value can be borrowed against if there is an emergency in the insured’s lifetime.

Please refer to your specific benefit guide for more information and rates.

Click Here to View