Enrollment 2024

Benefits Guide

Review Your Benefits Today

Benefits 2024

As a valued employee, you help shape and impact the quality of life for people throughout our company and our communities.

As a team member you play an important role in our mission to lead healthcare transformation. Our company’s high quality, comprehensive benefits are among the rewards you receive in return. These benefits are an important part of your total compensation, and our benefits program provides choice and value to meet the needs of our diverse workforce.

Choosing benefits can be overwhelming. We have equipped you with a 2024 Benefits Guide and this site which includes tools and information to help you make the right choices for you and your family. They both offer comprehensive overviews of your health and welfare benefits and options, including details about eligibility, enrollment, and the plans available to you and your covered dependents.

Your well-being is about more than just physical health. It includes your emotional, financial, and social wellness too. No matter where you are on your health and wellness journey, we are here to support you.

Your Benefits Team

Insurance Terms

The plan’s share of the cost of covered services which is calculated as a percentage of the allowed amount. This percentage is applied after the deductible has been met. You pay any remaining percentage of the cost until the out-of pocket maximum is met. Coinsurance percentages will be different between in-network and non-network services.

  

A fixed amount you pay for a covered health care service. Copays can apply to office visits, urgent care or emergency room services. Copays will not satisfy any part of the deductible. Copays should not apply to any preventive services.

The amount of money you pay before services are covered. Services subject to the deductible will not be covered until it has been fully met. It does not apply to any preventive services, as required under the Affordable Care Act.

All plans are required to have an unlimited lifetime maximum. 

A provider who has a contract with your health insurer or plan to provide services at set fees. These contracted fees are usually lower than the provider’s normal fees for services.

The most you will pay during a set period of time before your health insurance begins to pay 100% of the allowed amount. The deductible, coinsurance and copays are included in the out-of-pocket maximum.

Medical

Health & prescription coverage from the Anthem Blue Cross Blue Shield Network

Dental

We partner with Principal to offer you comprehensive dental coverage.

Vision

Vision insurance is offered through Principal and VSP Vision Care.

Hospital Indemnity

Hospital indemnity insurance provides direct payments
if you are hospitalized.

Critical Illness

Critical illness insurance provides direct payments to you if you are diagnosed with a covered critical illness

Accident

Accident insurance provides direct payments to you in the case of an off-the-job accident

LifeTime Benefit Term with Long-Term Care

A hybrid insurance policy that provides a death benefit to beneficiaries while also offering coverage for long-term care expenses.

Disability

Financial safety net that provides income protection in the event of a covered illness or injury that prevents an individual from working.

EAP/ Employer Sponsored Life

Confidential counseling and support services to employees facing personal or work-related challenges, such as stress, mental health issues, or substance abuse.

401(k)

Investing in yourself is easy with your retirement plan. You can count on us to support you every step of the way with
our account management website, Fidelity NetBenefits®.

Telemedicine

With AllyHealth you can visit with a doctor 24/7 from your home, office, or on the go, with no co-pays or consultation fees to your and your
family!

Eligibility

Regular full time employees actively working a minimum
of 30 hours per week are eligible to enroll in our benefit
programs.

Enroll In Your Benefits Online

To enroll or if have questions about the plans outlined here, call our dedicated enrollment counselors at 872-263-8191 for assistance between 9am-6pm EST, Monday – Friday.

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