Benefits

Coverage and Networks:
- Access to in-network and nationwide providers via BlueCard® PPO
- Global coverage through Blue Cross Blue Shield Global® Core
Plan Tools and Support:
- Online portal and app for managing benefits, finding providers, and tracking claims.
- Customer service available weekdays, with interpreter services if needed
Preventive Care:
- Most preventive services covered at 100% when using in-network providers
Prescription Benefits:
- Use in-network pharmacies and the drug formulary for cost savings
- Options for 90-day prescriptions via mail order or select retail pharmacies
Health and Wellness Programs:
- Support for managing chronic conditions, diabetes, hypertension, and more
- Access to wellness discounts, maternity management, and behavioral health resources
Choosing Care:
- Guidelines for when to use convenience clinics, urgent care, or emergency rooms to save costs
Privacy and Rights:
- Clear policies on HIPAA rights, plan transparency, and member privacy

Tax Advantages:
- Triple-tax benefit: Tax-free contributions, growth, and spending on qualified expenses
- Save approximately $20 in taxes for every $100 contributed (example based on a 20% tax rate)
Contribution Limits (2025):
- $4,300 for individuals
- $8,550 for families
- Additional $1,000 allowed for members 55 and older
Eligible Expenses:
- Covers medical, dental, vision, pharmacy, OTC medications, mental health services, and lab fees
Flexibility:
- No "use-it-or-lose-it" rule—funds roll over annually.
- Option to invest funds tax-free for long-term growth (subject to market risks)
Requirements:
- Must be enrolled in an eligible High-Deductible Health Plan (HDHP)

Networks: Access to Delta Dental PPO™ and Premier® for maximum savings
Annual Benefits:
- $1,500 plan maximum per person.
- $50/person or $150/family deductible (waived for preventive services)
Coverage Highlights:
- Preventive: 100% for exams, cleanings, X-rays, sealants, and more.
- Basic: 80% for fillings, root canals, and periodontal care
- Major: 50% for crowns, dentures, and bridges
Dependent Coverage: Spouse and children up to age 26.
Digital Tools: Member portal and app for ID cards, claims, cost estimates, and dentist search
Customer Support: Assistance with benefits, claims, and digital tools
Cost:
- Employee only: $21.03/pay cycle
- Employee + Spouse: $84.52/month
- Employee + Children: $79.48/month
- Family: $136.68/month

Eye Exams: 100% coverage after a $10 copay, available once every 12 months
Prescription Glasses:
- Lenses: 100% coverage after a $25 copay (single vision, bifocal, trifocal, lenticular).
- Frames: Covered up to $180 at Visionworks or $130 at other retailers, with a 20% discount on additional costs
Eye Glass Enhancements: Includes tinting, scratch-resistant coating, UV protection, and more, often with little to no out-of-pocket costs
Contact Lenses:
- Collection lenses: Up to 4 boxes (disposable) or 2 boxes (non-disposable).
- Non-collection lenses: Covered up to $130 plus a 15% discount
- Specialty and visually required lenses: Covered with applicable copays
Cost:
- Employee only: $3.18 pay cycle ($6.36/month)
- Employee + Spouse- $12.70/month
- Employee + Children - $12.34/month
- Family - $20/month

Coverage:
- Income replacement during periods of illness, injury, or inability to work
Benefits:
- Paid directly to you (unless otherwise chosen) to help maintain your standard of living
- Monthly payouts range from $300 to $6,000, based on your plan and earnings
Eligibility:
- Must meet employment and health criteria specified in the policy
Flexibility:
- Coverage continues until you return to work or reach the policy limit
Additional Support:
- Guidance available for claims and return-to-work planning
Cost:
- The cost of disability insurance is based on your age and yearly wage averages $45/month*
Enrollment:
- To buy-up for your family or set up an appointment, email
- *Call enrollment center for exact monthly costs

Coverage:
- Provides financial protection for unexpected accidents, covering treatments, transportation, and recovery expenses
Benefits:
- Pays directly to you unless assigned otherwise, regardless of other insurance
- Covers costs for ambulance rides, emergency treatments, surgeries, prescriptions, and diagnostic testing
- Additional payouts for hospital stays ($300/day), ICU ($400/day), and rehabilitation units ($100/day)
- Compensation for specific injuries such as fractures, dislocations, burns, and concussions, based on severity
Additional Features:
- Lump sum payments for accidental death ($50,000) or dismemberment ($25,000 for double loss)
- Support for recovery, including physical therapy ($50/session) and prosthetics ($3,000/device)
Flexibility:
- Guaranteed issue with no health questions required
- Benefits can be used as needed, such as covering lost income or daily expenses
Cost:
- Employee: Free of charge for full-time employees.
- Dependent Coverage:
  - Spouse: $3.49 per pay period
  - Child(ren): $6.36 per pay period
  - Spouse + Child(ren): $9.85 per pay period
Enrollment:
- To buy-up for your family or set up an appointment, email
- *Call enrollment center for exact monthly costs

Eligibility:
- Available to birth mothers, eligible partners, or adoptive parents who are full-time employees (working 30+ hours/week) for at least 12 months
Benefit Details:
- Up to 2 weeks (80 hours) of leave at 90% pay based on average wage
- Leave can be taken for medical reasons before birth or within 30 days after birth/adoption.
- Maximum of 8 hours/day or 40 hours/week; total leave remains 80 hours per year, even for multiple births (e.g., twins)
Flexibility:
- Leave can be continuous or on a reduced schedule with manager approval.
- Minimum increment for intermittent leave: 4 hours
Process:
- Notify your manager and submit the required forms in advance
- Leave runs concurrently with FMLA and applicable state laws
During Leave:
- Vacation and sick time do not accrue, but health and other benefits continue
- PTO can be added to Paid Parental Leave
Return to Work:
- Employees are guaranteed their same or equivalent position unless eliminated due to business changes