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.
There are two ways to elect benefits!
Administered by Allied
Preferred Provider Organization (PPO)
A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral. You have a deductible to meet and once the deductible is met, coinsurance (or the cost share between you and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.). If you go to the doctor, see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not accumulate towards your deductible but they do accumulate towards your overall out-of-pocket maximum.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
This medical plan option is comprised of two components (1) a High Deductible Health Plan (HDHP) and (2) a tax-exempt savings account called a Health Savings Account (HSA). The HDHP is a high deductible PPO plan that provides health care benefits after the deductible has been met. All medical services, with the exception of preventive care, are paid for by you at 100%, less carrier discounts, prior to meeting your entire annual deductible. This includes routine office visits, procedures, lab work, prescription drugs, etc. The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to year to be used when you really need them.
Administered by Guardian
Preferred Provider Organization (PPO)
These dental plans allow the flexibility to select any dentist in-network or out-of-network. By staying in-network, the contract between your dentist and insurance carrier will make your annual benefit period maximum last longer. Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount of coverage for each visit. Each type of service fits into a class of services according to complexity and cost.
Administered by Guardian
Vision insurance helps offset the costs of routine eye and also helps pay for vision correction eye wear, eyeglasses and contacts, that may be prescribed by an eye-care provider.
By accessing in-network vision providers, you’re able to reap the benefit of true vision insurance coverage. You’re eligible for an eye exam and lenses or contact lenses every 12 months and frames every 24 months. Out-of-network providers will merely offer you an allowance towards your vision services.
Eye-care providers include many independent optical shops and national chains.
Administered by Guardian
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. The cost of the benefit is 100% paid for by the company.
Voluntary Term Life and AD&D Insurance
Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates. Always make sure your beneficiary information is updated.
Administered by Guardian
Voluntary Short-Term Disability
If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion of your income for a defined maximum period of time. During your new hire enrollment period only, you can elect coverage without answering medical questions!
Voluntary Long-Term Disability
If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion
of your income for a defined maximum period of time. During your new hire enrollment period only, you can elect coverage without answering medical questions!
Administered by Guardian
Critical Illness Insurance can help safeguard your finances by providing you a lump-sum payment when your family needs it most. The payment you receive is yours to spend as see fit, in addition to any other insurance you may have.
If you meet the policy requirements, Critical insurance will provide you with a lump-sum payment upon diagnosis for many conditions.
This policy also includes a $50 wellness benefit payable to everyone covered on the plan 1 time per year.
| Eligible Individual | Initial Benefit |
| Employee | $10,000, $20,000, or $30,000 |
| Spouse | 100% of employee’s benefit |
| Dependent Child(ren) | 100% of employee’s benefit |
Administered by Guardian
Accident insurance can provide benefits of set dollar amounts for covered accidents that occur on and off the job. Accident insurance is offered to all eligible full-time employees. The benefits vary based on type and severity of the accident.
*Depending on the plan selected
Administered by Guardian
Hospital Indemnity insurance provides a direct benefit in the event of a hospitalization, regardless of treatment costs or other insurance coverage. This can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Offing a high and a low plan option.
| Covered Benefit | Benefit Amount You’re Paid |
| Hospital Admission | Up to $1,500 per calendar year* |
| Hospital Confinement | $100 per day, 15 days |
| ICU Admission | Up to $1,500 per calendar year* |
| ICU Confinement | $100 per day, 15 days |
*depending on the plan selected
