Administered through Aetna

Because there is nothing more important than your health, we offer four medical plans through Aetna. You have your choice of the following plans: 

• Open Access Managed Choice POS 6000 Plan
• Open Access Managed Choice POS 3000 Plan
• Open Access Managed Choice POS 5000 Plan
• Open Access Managed Choice POS 5000 80/60 Plan HSA Eligible!

Key Features

• Comprehensive, affordable coverage for a wide range of healthcare services
• Flexibility to see any provider you want, although you’ll save money when you stay in-network
• In-network preventive care, with services covered at 100%, including annual physicals, recommended immunizations, well-woman and well-child exams, flu shots, and more
• Prescription drug coverage included

Administered by MetLife

Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier.

Get the care you need with a dental benefits plan featuring MetLife’s Preferred Dentist Program.

• There are thousands of general dentists and specialists to choose from nationwide, so you are sure to find one who meets your needs.
• Flexibility to visit any dentist you want, in or out-of-network. Your out-of-pocket costs will usually be lower when you visit an in-network dentist.
• Negotiated fees that are typically 30-45% less than the average fees charged by dentists in your area for the same or similar covered services

MetLife offers a variety of online tools for you to make the most of your coverage:

• The Oral Health Library at www.oralfitnesslibrary.com contains articles and tools that can help you learn more about the importance of oral health and its connection to overall health.
• Interactive Dental Risk Assessment tools to help you determine your risk for periodontal disease or tooth decay to then discuss the
  results with your dentist during your next appointment.

Administered by Superior through MetLife

Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes.  A group vision plan makes it easier to get the care you need and lower your costs. 

The MetLife Vision Plan features:

• Low to no copays for in-network services and materials, including contact lens fittings and evaluations
• The freedom to visit any licensed eye care professional or choose from thousands of participating ophthalmologists, optometrists, and opticians/optical retailers. Your out-of-pocket costs will usually be lower when you visit an in-network provider.
• Valuable extras – polycarbonate (shatter-resistant) lenses for children up to 18 years of age and ultraviolet coating are covered in full in-network.
• Great savings in-network on the latest eyewear and brand name frames.

MetLife offers the Vision Health Library tool at www.visionhealthlibrary.com, which provides valuable information to better manage your vision health.

Administered by Payflex

The Flexible Spending Account allows employees to take advantage of the provisions in Section 125 of the Internal Revenue Code. This Code section provides that payroll deductions for health insurance, dental insurance, life insurance, and child care will be taken on a before-tax
basis. This plan must always comply with the latest requirements of the IRS code and therefore changes may occur without notice.

Healthcare Flexible Spending Account: 

During open enrollment, you set amounts for the upcoming year (minimum $100 – maximum $2750) based on an estimated amount of medical expenses for the upcoming year. The amount is divided by the number of pay periods in the year and then redirected from each paycheck – before taxes – into your account. The Flexible Spending Account is provided by Payflex. 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.

Dependent Flexible Spending Account:

This plan works much like the Flexible Spending Account mentioned above. At the beginning of each year, you decide the amount needed to cover dependent care costs over the course of the year. 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.

Voluntary Short-Term Disability

Administered by Lincoln Financial Group

Short-Term Disability provides a cash benefit when you are out of work for up to 13 weeks due to injury, illness, surgery, or recovery from childbirth. 

Long-Term Disability

Administered by Lincoln Financial Group

Keep getting a check when you’re hurt or sick. You always have bills to pay, even when you can’t get to work due to injury, illness, or surgery. Long-term disability insurance helps you make ends meet during this difficult time.

Administered by Lincoln Financial Group

Basic Life and AD&D Insurance

Safeguard the most important people in your life. Think about what your loved ones may face after you’re gone. Term life insurance can help them in so many ways, like helping to cover everyday expenses, pay off debt, and protect savings. AD&D provides additional benefits if
you die or suffer a covered loss in an accident.

We offer this valuable benefit at no cost to you.

Voluntary Life Insurance

The Lincoln Term Life Insurance Plan:

• Provides a cash benefit to your loved ones in the event of your death
• Features group rates 
• Includes LifeKeys® services, which provide access to counseling, financial, and legal support services
• Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home

Voluntary Accident & Death Insurance

The Lincoln AD&D Insurance Plan:

• Provides a cash benefit to your loved ones if you die in an accident
• Provides a cash benefit to you if you suffer a covered loss in an accident
• Features group rates 
• Includes LifeKeys® services, which provide access to counseling, financial, and legal support
• Also includes TravelConnect® services, which give you and your family access to emergency medical assistance when you’re on a trip 100+ miles from home

Work toward preserving your future

Reaching your retirement goals can take a lot of preparation. Some investment professionals estimate that you’ll need at least 75–80 percent of your final working salary to maintain your lifestyle during retirement. Our Retirement Plan offers you tools, education, and investment options that can help you take steps today to prepare for what life has in store tomorrow.

Paid Time Off is accrued time based on years of service. Paid Time Off is a consolidation of holiday time, vacation time and sick leave. PTO will also be used for bereavement days that are not covered by the Bereavement Policy.

Paid Time Off is accrued starting with the first day of employment and may be taken after satisfactory completion of the ninety-day probationary period. The probationary period will also apply to employees changing from PRN to benefit eligible.

An employee may also maintain a maximum of thirty days (240 hours) in their Sick Bank. Banked days may be used for an extended disability period concurrent with FMLA or other approved leaves, after using 80 hours of PTO.

In the month prior to the employee’s anniversary date, PTO balances will be reduced to the amount of PTO earned annually. PTO in excess of the annual PTO earnings will be paid to the employee at 75% of base pay and be reflected on the next regular paycheck.

PTO is not accrued during overtime hours, on-call hours, or unpaid leave time.

Administered by MetLife

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 $50 Wellness Benefit. 

Administered by MetLife

Enhanced with COVID-19 Coverage!

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. And now, this benefit also covers a COVID-19 diagnosis! During your new hire enrollment period only, enroll without answering medical questions!

Administered by MetLife

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. During your new hire enrollment period only, enroll without answering medical questions!

Administered by Chubb

Life Insurance with Long Term Care Enrollment through Chubb includes living benefits that provide financial support to cover the cost of long-term care such as nursing home care or assisted living facilities that you might need as a result of an accident, illness, or aging. Like life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses. During this enrollment period only, enroll without answering medical questions!

Chubb’s Cancer Advocate Plus is a first-of-its-kind-genetics-based Cancer Insurance Program that customizes cancer care. More than advocacy - developed to help save lives. 

Cancer Advocate Plus (CAP) is a personal, precise, and proactive way for you to manage your health. CAP combines Financial Protection and Cancer Care, including Genetic Cancer Screening, to help you determine your risk for cancer and Pharmacogenomic Testing to determine your best treatment based on your own DNA.

In addition to testing and treatment, CAP provides a dedicated Oncology Nurse Advocate to coordinate Clinical Trial Enrollment, Expert Medical Review, and so much more including financial protection, proactive cancer screening, cancer management, education & empowerment, and cancer recovery.

Diagnosis and Recovery Payments = $15,000*

• 1st Payment: $5,000 upon diagnosis
• 2nd Payment: $5,000 6 months after diagnosis
• 3rd Payment: $5,000 12 months after diagnosis

*Spouse's payments are 50% of these amounts and coverage is only available for employees and spouses (coverage is not available for children). 

Why Cancer Advocate Plus Might be Right for You?

• 1 in 2 men and 1 in 3 women will develop cancer in their lifetime
• Cancer requires a personalized genetic approach to prevention, diagnosis, and treatment
• Cancer is expensive - and cash can help!
• Despite expectations, medical insurance often does not cover the personalized treatments included in Cancer Advocate Plus
  
  

Administered by Aura

Identity and privacy protection to keep you and your family safe from online harm. Safeguarding you, your family, and your finances with identity protection, financial tracking, and online security. 

You have the option to enroll in one of two plans:

• Premier
• Ultimate

Administered by MetLife Legal Plans

Legal coverage through MetLife Legal Plans means added peace of mind for employees and their dependents.

Having to hire an attorney can be very stressful if you don’t know where to go or how much it will cost. MetLife Legal Plans makes it very simple to get the legal advice and the representation you need without draining your finances. This group benefit features:

• Assistance for a wide range of legal needs, including wills and other estate planning documents, real estate matters, traffic offenses, adoptions, debt collection defense and much more
• Reasonable monthly cost for unlimited use and no copays when using a Network Attorney for a covered matter
• Easy access to more than 18,000 experienced Network Attorneys

Administered by Access Perks

Access Perks helps employers get the most bang from their benefits by saving employees money on their everyday purchases. No other employee discount program comes close to delivering more savings in more communities throughout America.

With travel perks, both your business AND your workforce can save thousands on hotels and car rentals at prices 10-50% lower than you’ll find online.