2024 Benefits Annual Enrollment

There’s nothing more important than your health. And, because each person’s health care needs are different, the company offers two medical plan options through United Health Care: HD1 and EPO2. Employees enrolled in the HD1 Medical Plan will be automatically enrolled in a Health Savings Account and will receive a $100 per month employer contribution. Click the button below to review the table for each plan’s coverage details.

Administered by Optum Bank

A Health Savings Account (HSA) is a bank account through Optum Bank that allows you to contribute funds for your medical expenses on a pre-tax basis. Your HSA can be used to offset high deductibles and other out-of-pocket medical expenses in the current 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 can roll over from year to year and you do not pay tax on withdrawals used for qualified medical expenses. All participants must update their contributions for 2024 with the guidance of a benefit counselor or through the Workday Profile.

• Employees enrolled in the HD1 Medical will be automatically enrolled in a Health Savings Account and will receive a $100 per month employer contribution.
• You can use the money in your account to pay for qualified medical expenses such as copays, deductibles, coinsurance, prescriptions, dental, and vision expenses. You can find a complete list of eligible expenses on IRS Publication 502 at www.irs.gov. The websites below will provide additional information as well.
• Any unused funds remain in the account and roll over from year to year. You can contribute money and allow it to grow in the account without worrying about losing it!
• Funds can be used for any immediate family member, regardless of whether or not they are covered on your medical plan.
• The account is yours to keep even if you leave the Company or retire. If you choose a medical plan other than the HSA plan next year, you will be able to use the account for qualified expenses. You will not be able to contribute unless you are enrolled in a high deductible health plan that meets IRS requirements. If you have money in the account after retirement, you can withdraw the funds as cash without penalty (after age 65).
• Due to IRS regulations, you are not able to contribute to an HSA if you are enrolled in a Flexible Spending Account (FSA), even if through your spouse’s plan, or if you are enrolled in, or are eligible for Medicare.

2024 HSA Maximum Contribution Amounts*

• Individual: $4,150
• Family:  $8,300
• Catch-Up Contributions: $1,000

Administered by Optum Bank

Healthcare Flexible Spending Account (HCFSA)
A Healthcare FSA allows you to set aside pre-tax dollars to pay for qualified medical expenses, such as copays, deductibles, medical exams, limited over-the-counter items, prescription eye wear, out-of-pocket dental expenses, etc. All participants must update their contributions for 2024 with the guidance of a benefit counselor or through self-service online portal. 

Important Note: You may have either an HCFSA or an HSA, but not both. 
The 2024 maximum Healthcare FSA is $3,050. This amount is subject to change. Any money left in the FSA at the end of the plan year will be forfeited. This is called the Use It or Lose It provision.  

Dependent Care Flexible Spending Account (DCFSA)
Qualified dependent care expenses can be paid with pre-tax dollars that are payroll deducted into this  account. A few examples include child care for dependent children, care of physically or mentally handicapped  dependents, or care for elderly dependent parents. The annual maximum contribution is $5,000 ($2,500 if you are married and filing separate tax returns). 

Changes to either kind of FSA cannot be made unless you experience a qualifying life event, so choose your FSA election carefully.  Healthcare FSA and Dependent Care contribution limits are subject to IRS guidelines and may change.

A Virtual Visit lets you see and talk to a doctor from your mobile device or computer. Virtual Visit doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Anyone covered under your UnitedHealthcare medical plan is eligible to utilize Virtual Visits. There are multiple Virtual Visit options available.

To access this service, please visit www.myuhc.com or download the UnitedHealthcare app on the Apple App Store or Google Play Store.

Administered by UnitedHealthcare

Because maintaining your smile is important, the company offers two dental plans through UnitedHealthcare. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network dentist. You can find a participating dentist at www.myuhcdental.com. 

Administered by UnitedHealthcare

We are proud to offer vision benefits through UnitedHealthcare. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network doctor. You can find a participating vision provider at www.myuhcvision.com.

When you face significant problems that disrupt life at home or at work, having a counselor to talk with can help you through the difficult times. The EmployeeConnect Employee Assistance Plan (EAP) is a professional counseling service offering confidential help for day-to-day concerns or during difficult times. Counseling is a free benefit provided for all employees. EAP specialists can help with a wide range of life’s concerns, such as:

• Personal issues
• Legal information
• Financial questions
• Work-life needs
• Three Face-to-Face Visits

If you call a counselor, he or she will refer you to a local counselor or to resources in your community. The EAP is available over the phone or online.

• Phone: 800.311.4327. Clinicians are available by phone 24 hours a day, seven days a week.
• Online: www.GuidanceResources.com. Company Web ID: GEN311

There is nothing to sign up for. All services FREE and confidential.

Administered by Prudential

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D) is available at no cost to you and is paid for by the company. You are automatically enrolled in the plan. In the event of your death, the Basic Life plan pays your beneficiary $50,000 (benefit is reduced after age 65). If you are dismembered, lose your sight or hearing, or die in an accident, the AD&D pays a benefit up to $50,000 depending on the type of injury suffered.

Administered by Prudential

Voluntary Life Insurance and Accidental Death and Dismemberment Insurance (AD&D) is available to all employees for purchase in addition to your basic coverage. If you purchase coverage for yourself, you may also purchase coverage for your dependents. Employees must elect coverage for themselves in order to obtain coverage for a spouse and/or children. Any election or change that is equal to or less than the guarantee issue will not require an Evidence of Insurability. Rates will be confirmed during enrollment with a counselor or via the Workday portal.

Administered by Prudential

Voluntary Disability Insurance protects a portion of your income if you become disabled due to an injury or illness and are unable to work. You pay for this benefit through convenient payroll deductions.

Administered by Prudential

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. This benefit is paid in addition to what your medical plan may provide and is available for you, your spouse, and your children and can be used regardless of pre-existing conditions, without undergoing a health exam. Includes a $50 wellness benefit per year per insured when a defined health assessment is completed; a COVID-19 vaccine qualifies!

Administered by Prudential

Since accidents can happen at any time, it’s important to be prepared. This policy can help cover the out-of-pocket costs associated with an accident (on and off-the-job), by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay, or to pay for childcare so you can get to the doctor for a follow-up visit. This benefit is paid in addition to what your medical plan may provide and is available for you, your spouse, and your children and can be used regardless of pre-existing conditions, without undergoing a health exam.

• Includes a $50 wellness benefit per year per insured when a defined health assessment is completed; a COVID-19 vaccine qualifies!
• Hospital confinement benefit now included for up to 365 days per covered accident
• Child sports injury benefit
• Child care benefits
• Full spectrum of surgical benefits for covered accidents
• Therapy benefits including physical, occupational, speech, and more

Administered by Prudential

Critical Illness Insurance provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important — getting better. Plus, the plan will also pay you a $50 annual benefit for completing a qualified health assessment. During this enrollment period only, you can elect coverage without answering medical questions!

• Now includes COVID-19 diagnosis!*
• Updated Health Assessment Benefit and screenings, that include routine services such as your annual health check-up, dental exams, vision exams, and more! A COVID-19 vaccine also qualifies!

*Requires a 5-day hospital stay for benefit to be payable.

Administered by LifeLock

1 in 4 people have experienced identity theft. We are happy to introduce LifeLock to help you protect your identity through technology that can detect and alert you to ID threats. You will have access to special plan features at discounted rates.

• Two plan options so you can be sure you have the level of protection you need.
• Three layers of protection: detect, alert, and restore.
• Both plans include the LifeLock Identity Alert System, lost wallet protection, live member service support, identity restoration support, data breach notifications, and more.
• The Benefit Elite plan is exclusively available as an employee benefit and includes retirement account monitoring.
• Select the Ultimate Plus plan to have access to enhanced benefits such as credit card activity alerts, checking and savings account activity and application alerts, monthly credit score tracking, and more.

Administered by Fidelity

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.

Click here to view the carrier contact information.