Your 2027 Benefits

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 6000 Plan
• Open Access Managed Choice POS 6000 Plan
• Open Access Managed Choice POS 6000 Plan

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.

• View Plan Summary & Rates

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. 

• Learn More
• View In-Network Plan Providers

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.

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

Administered by Lincoln Financial Group

Voluntary Short-Term Disability

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

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.

• 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