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Benefits are more important than ever and we encourage you to spend extra time evaluating your benefit options. As such, we have partnered with EOI Service Company so you can enroll with the guidance of a professional benefit counselor.
It is essential you speak with a benefit counselor to learn more about your benefit options. During your confidential appointment, the benefit counselor will:
Administered through Highmark
There is nothing more important than your health. CenClear Child Services offers an ICHRA. An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a health plan that allows employers to reimburse employees for their health insurance premiums and qualified out-of-pocket medical expenses.
Our plan is the Highmark Blue Access PPO Gold 1700 HSA plan.
Under this plan, it is important to note that anyone who is eligible or enrolled in Medicare would be ineligible for the individual medical plan. Notify HR or C.H. Reams & Associates, Inc. immediately if you have a spouse or dependent that is Medicare eligible or enrolled at this time.
Key features:
Administered by Highmark
Make life easier with prescription home delivery. Powered by Express Scripts Pharmacy, your prescription process will be simplified and you may save money too.
Home delivery sends your maintenance medications (those you need on a long-term basis) straight to your doorstep. You should use a retail pharmacy for medications you take on a short-term basis, such an antibiotics.
To get started with home delivery, visit MyHighmark.com.
Administered by MetLife
In addition to protecting your smile, dental insurance helps pay for dental care and usually includes regular checkups, cleanings and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
Administered by MetLife
Driving to work, reading a news article and watching television are likely activities you perform every day. Your ability to do all of these, however, depends on your vision and eye health. Routine eye exams will help maintain your vision as well as detect various eye problems and concerns about your overall health. Obtaining vision insurance is a way to make sure you can continue enjoying good health as well as the sights around you.
Administered by Highstreet Insurance Partners
Flexible Spending Accounts (FSA’s) allow you to set aside pre-tax dollars to use on medical, dental, or vision expenses.
Healthcare Flexible Spending Account:
In a Health FSA account, you can put aside pre-tax funds (up to the max of $3,400 in 2026) to pay for unreimbursed medical, dental and vision expenses (bills that are not paid by insurance). To access your FSA funds to pay medical expenses, just use your Mastercard® debit card to pay the bill (avoiding out-of- pocket costs) or file a manual claim for reimbursement.
Dependent Flexible Spending Account:
In a Dependent Care FSA account, you can put aside pre-tax funds (up to the max of $3,750/$7,500 per year) to pay for Qualified Daycare fees. To access your FSA funds to pay Dependent Care fees, just use your Mastercard® debit card to pay the bill (avoiding out-of- pocket costs) or file a manual claim for reimbursement.
Administered by MetLife
Basic Life and AD&D Insurance
Life insurance can help provide for your loved ones if something where to happen to you. It provides full-time employees working 30 or more hours a week.
We offer this valuable benefit at no cost to you.
Voluntary Life Insurance
The Lincoln Term Life Insurance Plan:
Voluntary Accident & Death Insurance
In addition to the Employer Sponsored Basic Life, CenClear Child Services will continue to offer employees the ability to purchase additional insurance. The open enrollment for this will be for a January 1, 2026 effective date. All current amounts you have will continue at the same cost with MetLife.
Administered by MetLife
Life doesn’t always go as planned. And while you can’t always avoid the twists and turns, you can get help to keep moving forward.
We can help you and your family, those living at home, get professional support and guidance to make life a little easier. Our Employee Assistance Program (EAP) is available to you in addition to the benefits provided with your MetLife insurance coverage. This program provides you with easy-to-use services to help with the everyday challenges of life — at no additional cost to you.
Administered by MetLife
Accidents can happen anytime, anywhere and when you least expect them. While you can’t plan for the unexpected, you can be better prepared financially with MetLife Accident Insurance.
You’ve got medical, dental and vision insurance — and possibly a flexible spending account just in case. If you have an accidental injury, you’re financially covered, right?
Not entirely. Even the best health insurance may leave you with unexpected costs or medical debt, especially if you have a high deductible health plan or limited network. When faced with these kinds of costs, supplemental coverage from MetLife provides you with additional financial protection.
Administered by MetLife
Contrary to what many people believe, medical insurance may only cover a portion of the expenses associated with treating a serious illness. Plus, additional costs that often come with recovering, like childcare, transportation, and grocery delivery, may be left up to you. Critical Illness Insurance can provide you with a benefit that can help you pay for unexpected costs, such as those that your existing medical insurance may not cover.
Handling the emotions that come up when experiencing illnesses such as a cancer1diagnosis, heart attack, or stroke is difficult enough. Worrying about your financial stability on top of this can obviously be overwhelming. With Critical Illness Insurance, MetLife can help you and your family have the financial stability necessary to completely focus on healing during a difficult time.
When critical illness affects your family, you’ll have the financial support when it matters most.
Administered by MetLife
Hospital stays can be pricey and often unexpected. Studies show that the average cost of a three-day hospital stay in the U.S. is $30,000. Even quality healthcare plans don’t cover all expenses, so taking steps to help protect yourself can make a big difference.
While in the hospital, it’s likely you’ll need various treatments, tests and therapies to get up and about again. Expenses like plan deductibles, co-pays for doctor visits and extra costs for out-of-network care can add up fast. Having help with the financial support you may need when the time comes means less worry for you and your family.
In addition, unexpected hospital bills can be difficult to manage when you lose your income or when your income becomes seriously reduced because of an injury or illness. Household expenses like your mortgage or rent payments, car payments, childcare payments, or household maintenance costs may become even harder to keep up with while you focus on recovering.
Administered by MetLife
Metlife Whole Life Insurance provides lifelong protection and a guaranteed death benefit as long as premiums are paid. Unlike term insurance, whole life policies build cash value over time, which grows at a guaranteed rate and can be borrowed against or used for future financial needs. Premiums are typically level, meaning they won’t increase as you age.
This type of policy can be used to:
With MetLife’s Whole Life Insurance, you’re getting both long-term protection and a way to accumulate tax-deferred cash value, making it a blend of insurance and financial planning.
