2026 Benefits 

Administered by UMR

Your Medical Coverage Options

Sarah Bush Lincoln is committed to supporting the health and well-being of you and your family. We offer two comprehensive medical plans designed to meet a variety of healthcare needs:

• Traditional PPO Copay Plan
• High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

Both plans include four coverage tiers to give you flexibility in choosing providers:

• Tier 1: Sarah Bush Lincoln Providers
• Tier 2: Partner Providers
• Tier 3: UnitedHealthcare Choice Plus Providers
• Tier 4: Out-of-Network Providers

📘 Compare Your Options

View the 2026 Benefit Booklet for a side-by-side comparison of both plans.

📄 Plan Details

• Medical Summary Plan Description (SPD)
• PPO - Summary of Benefits and Coverage (SBC)
• HDHP - Summary of Benefits and Coverage (SBC)

🔍 Find a Provider by Tier

Use the SBL – Find A Provider portal to explore in-network options. Select your tier and apply filters to find the right provider for your needs.  

Administered by UMR

Comprehensive Dental Coverage for You and Your Family

Our dental plan supports your overall oral health with coverage for preventive care, as well as basic and major dental procedures.

• Annual Maximum Benefit: $1,500
• Annual Deductible:
  • Individual – $75
  • Family – $225
• Orthodontic Services: $1,500 lifetime maximum

You’ll have full dental coverage starting the month after your hire date, so you can schedule care with confidence.

📘 Want to see a summary of covered services?

View the 2026 Benefit Booklet for an overview of benefits and coverage details.

📄 Plan Details

• Dental Summary Plan Description (SPD)

📝 Need to file a claim?

Download the Dental Claim Form

Administered by UMR/UnitedHealthcare Vision

See the Difference with Our Vision Plan

Sarah Bush Lincoln offers a comprehensive vision plan designed to support your eye health and make routine care more affordable. Coverage includes exams, lenses, frames, and more—especially when you use in-network providers.

The plan is administered by UnitedHealthcare Vision, a trusted provider with over 50 years of experience and access to one of the nation’s most diversified vision care networks

🔍 Find In-Network Providers

Follow this link & click on ‘Provider Quick Search’ for the provider directory.

📄 View the Vision Benefit Summary

Open the SBC document 

📝 Need to file a claim?

Download the Vision Claim Form

View the 2026 Benefit Booklet for an overview of benefits and coverage details.

Administered by UMR – Optum Bank

If you enroll in the High Deductible Health Plan (HDHP), you’re eligible to open a Health Savings Account (HSA)—a tax-advantaged account that helps you save and pay for qualified healthcare expenses.

Your pledged contribution, along with the Sarah Bush Lincoln (SBL) contribution, is deposited into your HSA each pay period and becomes available as funds accumulate.

Note: The HSA is not available to employees enrolled in Medicare.

2026 IRS Contribution Limits

• Single Coverage: $4,400
• Single + 1 / Family Coverage: $8,750
• Catch-Up Contribution (age 55+): +$1,000
• Rollover Limit: None — unused funds carry over year to year

2026 SBL Contributions

• Single Coverage: $30 annually
• Single + 1 / Family Coverage: $50 annually

📘 Have Questions About HSAs?

• HSA FAQ 
• Guide: Eligible/Ineligible Expenses

View the 2026 Benefit Booklet for an overview of benefits and coverage details.

Administered by UMR

If you enroll in the Traditional PPO Plan, you’re eligible to open a Flexible Spending Account (FSA)—a tax-advantaged account that helps you pay for eligible healthcare expenses.

Your full pledged amount for the plan year is available on January 1 and must be used by December 31. FSAs follow a “use-it or lose-it” rule, though a limited rollover is allowed.

Note: FSAs are not compatible with the High Deductible Health Plan (HDHP).

2026 IRS Contribution Limits

• Annual Contribution Limit: $3,400
• Rollover Limit: $680

📘 What to learn more about FSA’s?

• FSA Brochure
• Guide: Eligible/Ineligible Expenses
• FSA Reimbursement Form

View the 2026 Benefit Booklet for an overview of benefits and coverage details..

Sarah Bush Lincoln offers a Health Reimbursement Account (HRA) to employees who enroll in either SBL medical plan and qualify for Wellness Rewards.

Want to learn more about Wellness Rewards and how to qualify? Refer to the Wellness Program section of the 2026 Benefit Booklet (page 10) for details on participation, reward levels, and eligible activities.

📘 What to learn more about HRA’s?

• Guide: Eligible/Ineligible Expenses
•  HRA Reimbursement Form 

 View the 2026 Benefit Booklet for an overview of benefits and coverage details.. 

Administered by Reliance Standard

Voluntary Short-Term Disability (STD)

As a full-time or part-time employee, 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 the employee would have earned had they been able to continue working.

With the STD plan, you are eligible for a weekly payment up to 60 percent of your base earnings. You also have the flexibility to choose between two coverage options:

• Coverage beginning after 14 days of disability
• Coverage beginning after 30 days of disability
• Weekly Benefit Maximum of $1,250

📝 To learn more?

Download the Voluntary Short-Term Disability (STD) Plan Highlights

Long-Term Disability (LTD)

Sarah Bush Lincoln provides full-time employees with basic LTD coverage at no cost. If you become totally disabled, the basic LTD Plan will pay 60 percent of your base earnings up to a maximum benefit of $6,000 per month. Payments will begin after you have been totally disabled for 90 days.

To file a claim, please contact SBL HR at 217-258-2501

View the 2026 Benefit Booklet for an overview of benefits and coverage details.

Administered by Reliance Standard

Basic Life

This plan is a 100% employer-paid benefit that provides your family with financial protection in the event of your death or the death of a covered dependent. 

Full-time employees receive a standard life insurance benefit of two times your annual salary with a maximum benefit of $250,000.

Administered by Reliance Standard

Health insurance can provide coverage for many of the costs associated with treating a critical illness like cancer or heart attack. But what about the other out-of-pocket costs that you incur when you or a loved one is battling a major illness and is unable to work?

There is a loss of income (even if you have disability coverage, it only pays a portion of your regular earnings), deductibles, co-pays, living expenses and even transportation to and from treatment. Many of these additional costs can contribute to the pressure you are already under at the worst possible time. Critical illness insurance can help cover some of these gaps in your financial plan that you may not have known even existed.

As well, every year that you complete a qualified health screening you are eligible for a $50 Wellness Benefit.

During your new hire enrollment period only, you can elect up to $15,000 in coverage for yourself without answering medical questions!

📝 To learn more?

Download the Critical Illness Plan Highlights

To file a claim, please contact SBL HR at 217-258-2501

View the 2026 Benefit Booklet for an overview of benefits and coverage details.

Administered by Reliance Standard

The Accidental Death & Dismemberment (AD&D) plan protects you and your family in the event of your death or injury due to a covered accident in addition to the benefit provided by your Basic Life coverage.

📝 To learn more?

Download the AD&D Insurance Highlights

To file a claim, please contact SBL HR at 217-258-2501

View the 2026 Benefit Booklet for an overview of benefits and coverage details.