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INTRODUCING ACCESS PERKS

With discounts across just about every sector and industry, you can save money
every single day!


YOUR 2025 BENEFITS

Get access to everything you need – plan documents, contact information, plan
information, in-network provider search, and more!


INTRODUCING HOSPITAL INDEMNITY INSURANCE

We are pleased to offer a new voluntary benefit designed to help reduce the
financial and emotional stress of a hospital stay. Learn more about this benefit
below.

 
 


INTRODUCING ACCESS PERKS

With discounts across just about every sector and industry, you can save money
every single day!


YOUR 2025 BENEFITS

Get access to everything you need – plan documents, contact information, plan
information, in-network provider search, and more!


INTRODUCING HOSPITAL INDEMNITY INSURANCE

We are pleased to offer a new voluntary benefit designed to help reduce the
financial and emotional stress of a hospital stay. Learn more about this benefit
below.

 
 


INTRODUCING ACCESS PERKS

With discounts across just about every sector and industry, you can save money
every single day!




WHAT YOU NEED TO KNOW

 * Review Changes for 2025

HOW TO ENROLL

 * Enroll with a Benefit Counselor

HELPFUL RESOURCES

 * View Your Benefit Guide & Important Documents

BENEFIT OPTIONS

 * View Your Health & Voluntary Benefits


WHAT YOU NEED TO KNOW

Click on each of the topics below for details on other changes that are
effective on January 1.

ACTIVE ENROLLMENT & NEW ENROLLMENT PROCESS ▼

This is an active enrollment, which means you must take action to ensure you
have coverage for 2025. 

New enrollment process! You must complete an enrollment appointment with a
professional benefit counselor to elect benefits for 2025. During your
individual appointment, you will have the opportunity to ask questions, get more
information, and enroll yourself and your dependent(s) in coverage.

NEW BENEFITS AVAILABLE ▼

This year you will have the opportunity to enroll in the following three new
benefits:

 * Legal Aid
 * Auto/Home Insurance 
 * Cancer Advocate Plus

See below to learn about these new benefits. 

NEW CARRIERS ▼

We are thrilled to have new carriers for several of our benefits. Below you will
see a call-out of "NEW Carrier" next to your benefits so that you can take the
time to review these benefits and what these new carriers have to offer. 

 




HOW TO ENROLL

Benefits are more important than ever and we encourage you to spend extra time
evaluating your benefit options. As such, we have partnered with EOI Service
Company so you can enroll with the guidance of a professional benefit counselor.

It is essential you speak with a benefit counselor to learn more about your
benefit options. During your confidential appointment, the benefit counselor
will:

 * Answer your questions
 * Provide detailed information
 * Help you enroll in benefits

Schedule an Appointment



HELPFUL RESOURCES

2025 BENEFITS GUIDE ▼

View Benefits Guide

IMPORTANT NOTICES AND DISCLOSURES ▼

Coming soon!

SUMMARY OF BENEFITS AND COVERAGE (SBC) DOCUMENTS ▼

Coming soon!



YOUR 2025 BENEFITS

We are pleased to offer a comprehensive benefits program, that offers you choice
and flexibility, so you can take charge of your physical, financial, and
emotional well-being. For detailed information about each of the benefits plans
and programs available to you and your family, please click on the down arrow
for each benefit listed below.

MEDICAL ▼

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

DENTAL - NEW CARRIER! ▼

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.

View Plan Summary & Rates



 

VISION - NEW CARRIER! ▼

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.

Learn More

View In-Network Plan Providers



 

FLEXIBLE SPENDING ACCOUNT (FSA) ▼

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.

DISABILITY - NEW CARRIER! ▼

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.

LIFE AND AD&D INSURANCE ▼

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

RETIREMENT ▼

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 ▼

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.

ACCIDENT - NEW BENEFIT! ▼

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. 

Learn More



 

CRITICAL ILLNESS - NEW 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!

Learn More



 

HOSPITAL INDEMNITY INSURANCE - NEW BENEFIT! ▼

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!

Learn More



 

LIFE INSURANCE WITH LONG TERM CARE ▼

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!

Learn More




 

CANCER ADVOCATE PLUS - NEW BENEFIT! ▼

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
   
   

Learn More

Data Security & Privacy



IDENTITY THEFT PROTECTION ▼

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

LEGAL AID ▼

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

Learn More

Legal Plan Booklet

Legal Plan Overview

 



ACCESS PERKS - NEW BENEFIT! ▼

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.

Unbelievable Offers & Deals
We’re the largest discount network in America. With over 700,000 participating
merchant locations, we cover 99% of the entire US population.
 
Unbeatable Travel Deals

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.

Learn More

DON'T MISS OUT

This annual enrollment period is the only opportunity to enroll in benefits
until the next open enrollment period unless you experience a qualifying life
event and request a change to your benefits within 30 days of the life event.