Administered by Capital BlueCross

Healthcare needs are different for everyone. Our medical plan offers multiple options so you can choose the coverage level best suited to your needs and budget.

Ollie’s offers three medical plan options through Capital BlueCross. When you enroll in one of Ollie’s medical plans, you automatically receive prescription drug benefits.

Administered by United Concordia

Maintaining good oral health is essential to your overall healthThe Ollie’s dental plans provide coverage for a wide range of dental services through United Concordia. You have the option to enroll in the Low plan or High plan; both plans offer the Elite Plus network. Plan highlights are outlined below.

Use any in-network provider you like, just simply let your provider know that you are a United Concordia member. If you choose to visit a non-participating provider, you will need to file a claim for reimbursement, and you will be subject to certain benefit limitations.

Administered by Superior through MetLife

Eyesight is a precious thing, and the Ollie’s vision plan allows you to take steps in keeping your eyes healthy and protected.

The Ollie’s vision plan provides access to vision care through Capital BlueCross Vision. The plan's highlights are outlined below.

Benefit Frequency: Eye examinations, eyeglass lenses, frames, and contact lenses (in lieu of eyeglass lenses) are covered once every 12 months for each covered member. Eligibility will be determined from the date of the last similar service paid under this program, or any other Capital BlueCross vision program.

• The High Plan has a $130 frame allowance
• The Low Plan has a $60 frame allowance.

Use any in-network provider you like, just simply present your Capital BlueCross vision card. If you choose to visit a non-participating provider, you will need to file a claim for reimbursement, and you will be subject to certain benefit limitations. 

Administered by Ameriflex

Ollie’s offers a Health Care FSA and a Dependent Care FSA. These accounts are separate – you cannot use money from a Health Care FSA to cover expenses eligible under the Dependent Care FSA or vice versa. The Health Care FSA is not available to $2,500 HDHP participants.
How Flexible Spending Accounts Work

• Each year during the Open Enrollment period, you decide how much to set aside for health care and/or dependent care expenses.
• Your contributions are deducted from your paycheck on a pre-tax basis in equal installments throughout the year.
• As you incur health care or dependent care expenses throughout the year, you’ll need to submit a claim form to be reimbursed from your account. The Health Care FSA also includes a debit card that you can use to pay for eligible expenses at the point of sale. You will not be paying out of pocket, so there’s no need to fill out a claim form and wait for reimbursement.
• USE IT OR LOSE IT! Be sure to calculate your FSA contributions carefully. The funds won’t roll over from year-to-year, and you will have to actively re-enroll on a yearly basis. You must re-enroll in the FSAs each year. You are not automatically re-enrolled! 

Healthcare Flexible Spending Account: 

The amount is divided by the number of pay periods in the year and then redirected from each paycheck – before taxes – into your account.  You receive a debit card for most expenses, or you can submit your receipts and a claim form as found on the Forms section of the intranet. Either way, the account reimburses you in tax-free money. The maximum contribution in 2024 is $3,200 and the minimum is $650.

Dependent Flexible Spending Account:

When you incur eligible dependent care expenses from any allowable provider, the account reimburses you in tax-free money. This covers most of the expenses related to the care of an eligible dependent so that you can work full time. If you are married, both you and your spouse must work full time, or your spouse must be disabled or a full-time student, to qualify for this account. The maximum contribution annually is $5,000.

Administered by HealthEquity

Save for future medical costs and reduce your tax bill with this special savings account only available to $2,500 HDHP plan participants. Out-of-pocket medical expenses can add up quickly. Over time, health care likely will be your largest household expense. A Health Savings Account allows you to build up protection for future health care expenses. Along with Ollie’s contributions, you can contribute money to your HSA and use it at any time for qualified health care expenses. Whatever you don’t use rolls over for future years and earns interest. Better yet, HSAs provide tax advantages.

HSAs Deliver Triple Tax Advantages:

• You don’t pay federal income tax on the money you contribute.
• You don’t pay taxes on the interest you earn in your account.
• You don’t pay taxes when you use the money to pay for qualified medical services.

Keys to Growing Your HSA:

• Try not to use your HSA for routine expenses. If you can pay out-of-pocket, leave your HSA funds alone so that they can grow for when you need them in the future.
• Consider electing supplemental medical plans to cover big-ticket expenses from unexpected serious illnesses or injuries and ensure they don’t wipe away the money in your HSA.
• Monitor your fund’s growth. Like a 401(k), your HSA funds earn interest through investments. Make sure your money is growing at an acceptable and safe pace.

Administered by Mutual of Omaha

Your ability to bring home a paycheck is your most valuable asset. We help you protect it. A disabling injury or illness that keeps you out of work could have a devastating impact on your income, jeopardizing your ability to cover normal household expenses. With the right disability insurance, your income is protected, relieving you of the anxiety of depleting your savings to pay your bills.

Administered by Unum

Always be there financially for your loved ones.
Your family depends on your income for a comfortable lifestyle and for the resources necessary to make their dreams – such as a college education – a reality. Like anyone, you don’t like to think of the scenario where you’re no longer there for your family. However, you do need to ensure their lives and dreams can continue if the worst does happen. Ollie’s knows how difficult it can be to provide this peace of mind on your own, which is why we have made it a priority to give you the ability to assemble a complete life insurance portfolio.

Basic-Term Life and AD&D Insurance

Ollie’s provides eligible Associates with Basic-Term Life and AD&D coverage at no cost to you, and enrollment is automatic.

Supplemental Term Life Insurance

You may also choose to purchase Supplemental Life Insurance in addition to the company-paid benefit. It’s a great opportunity to purchase additional term life coverage at group rates, and you also have the option to purchase coverage for your spouse and dependents. You pay the total cost of this benefit through convenient payroll deductions. 

The minimum amount of Supplemental Term Life Insurance available to purchase is $20,000. Additional amounts must be purchased in $10,000 increments. The maximum amount that can be purchased is the lesser of $300,000, or 5 times your annual salary. Insurance amounts greater than $200,000 or 5 times your annual salary (whichever is less) will require Evidence of Insurability (EOI).

Associate

• You can elect up to five times your annual salary, to a maximum of $300,000
• Minimum insurance policy must be $20,000, and additional amounts must be purchase in $10,000 increments

Spouse

• Associate must purchase coverage on self to purchase for spouse
• You can elect up to $50,000 or 50% of Associate coverage (whichever is less)
• Minimum insurance policy must be $10,000, and additional amounts must be purchased in $5,000 increments but cannot exceed 50% of the Associate amount

Dependent(s)

• Birth to age 14 days: No coverage
• Age 15 days to 6 months: $250
• Age 6 months to age 18: $5,000
• Age 19 to 25: $5,000

Cost varies based on age, coverage level and tobacco use. A Benefits Representative can assist you with options and costs.

Whole Life Insurance

Can your family maintain their lifestyle without you? Whole Life Insurance is an individual insurance policy designed to provide a death benefit to your beneficiaries if something should happen to you. It can also build cash value that you can utilize while you are still living. At an affordable premium, you can have the added financial protection you and your family may need during times of uncertainty.

Plan Features:

• You can purchase coverage for yourself, your spouse, your children, and/or your grandchildren.
• Whole Life Insurance is voluntary, which means you purchase the amount of coverage that is right for your needs.
• As the policy builds cash value, you can eventually use it to make premium payments or to pay urgent expenses while you are still living.
• You can take your policy with you if you change jobs or retire.
• During this enrollment, this benefit is offered to you with Guaranteed Issue, which means you qualify for insurance without the need for medical exams or intrusive health questions. If you are currently enrolled or have previously had an opportunity to enroll in Whole Life Insurance, you may elect $10,000 of 
  coverage (not exceed $100,000 maximum) without a physical exams during this enrollment period.
• The policy offers a Long-Term Care rider that provides benefits for chronic conditions.

Choose a Plan for a Lifetime

Whole Life Insurance never expires. You keep the policy as long as you make the payments, which means the premiums will not go up. Lock in a lower premium NOW and save thousands of dollars in the future!
Cost varies based on age, coverage level and tobacco use. A Benefits Representative can assist you with options and costs.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable.

Administered by Fidelity

Ollie’s offers a 401(k) program that will help you save money and provide you with more income for your retirement.

It’s simple to contribute to the plan through payroll deductions. The money you put into the program is pre-tax and you don’t have to pay taxes on the money until you begin to withdraw it in retirement. The amount you put into the program is your money, and you will be able to take it with you if you leave Ollie’s.

Ollie’s also helps you save by contributing a 25% match on the first 6% of your income that you contribute to the 401(K) plan.

You can participate in the 401(K) plan after 90 days of continuous employment with Ollie’s. Entry dates are the 1st of the calendar quarter following your 90 days of continuous employment

For questions, or to enroll, please contact Fidelity at 1-800- 294-4015.

Administered by Capital BlueCross

Controlling health care costs is a partnership between Ollie’s and its Associates.

We need your help so that we can continue to provide quality, affordable benefits now and into the future. How do you help manage health care costs? By making healthy lifestyle choices. Ollie’s wants to help you do just that…and we’re happy to reward you for your efforts!

Associates enrolled in the medical coverage through Ollie’s are eligible to take advantage of the Live Healthy Wellness Program offered by Capital BlueCross and Ollie’s. The program is designed to help Associates make healthy choices and save money on their health care premium!

Want to quit using tobacco and avoid the Tobacco Surcharge? Capital BlueCross offers a program that can help! 

Administered by Mutual of Omaha

Balancing the demands of work, family, and personal needs can be challenging, especially during uncertain times. The Employee Assistance Program is available to our Associates and their families and is provided by Mutual of Omaha. This program offers counseling, legal and financial consultation, work-life assistance and crisis intervention services to all our benefits- eligible Associates.

Why provide EAP?

Because we care about our Associates and their dependents. The EAP can be used free of charge as needed when you or your dependents are facing emotional, financial, legal or other concerns.

Are the services confidential?

Yes, the EAP is strictly confidential. No information about your participation in the program is provided to Ollie's.

Why might my family or I use the services?

There are many reasons to use these services. You may wish to contact the EAP if you:

• Are experiencing stress, anxiety or depression
• Are dealing with grief or loss
• Need assistance with child or elder care concerns
• Have legal or financial questions
• Have concerns about substance abuse for yourself or a dependent

To access the Mutual of Omaha services, call 1-800-316-2796 or visit the EAP site at www.mutualofomaha.com/eap/.