Your One-Stop Shop for Benefits
This website has been designed to inform, educate, and assist you with all of your benefits needs. Here, you can find benefits information to guide you as you prepare for many of life's journeys, from welcoming a new baby to preparing for retirement. The Documents Library is where you will find an extensive amount of benefits plan information and forms for claims and changes.
New to Boyd? Welcome to the Boyd Family
We’ve got you covered with options that allow you to choose benefits to meet your needs! Explore the New to Boyd page to learn what you need to do to enroll in benefits.
Changing Benefits After Enrollment
You may make changes to your enrollment within 30 days from a qualifying life event, such as marriage, birth, adoption, or divorce.
Watch Our Benefit Video
You and your family can watch our benefits video for a quick overview of our benefits program.
Wellness that pays off
Take small steps. Earn real rewards.
Earn Up to $120 Per Month
Complete simple wellness activities and reduce your 2027 medical premium.
Unlock Additional Rewards
Advance through program levels to earn extra incentives, including gift cards.
Open to You and Your Spouse
Both you and your spouse can participate and earn rewards together.
Track It All in the Aduro App
Download the app to get started, complete activities, and monitor your progress.
Scan to Download Aduro
Have Questions About Benefits?
Please reach out to benefits@boydcat.com for any questions!
Carrier Contact Information
Quick access to websites and phone numbers of our benefit providers.
Take small steps. Earn real rewards.
Our Benefits Guide highlights the plans and programs that make up your benefits package.
Refer to the Summary Plan Descriptions for further plan details.
Our programs support you and your health journey. With comprehensive medical, dental, and vision plans, the Wellness Worx Program, and a variety of tools and resources, our programs are built to support you.
Be supported in your everyday life. With a variety of programs, such as an Employee Assistance Program and value added services, our benefits support you both at work and at home.
Take care of your financial health. With the health savings account, flexible spending accounts, 401(k) savings plan, disability insurance, life insurance, and worksite benefits, our financial programs help safeguard life’s most treasured things.
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
Health
We're committed to offering a variety of health benefits that provide generous coverage for both employees and their covered dependents.
Medical
All three medical plan options:
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Use the same Anthem network of providers
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Cover in-network preventive care at 100%
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Offer telehealth visits at no cost
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Include prescription drug coverage
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Administer mail-order prescriptions by Carelon Rx
HDHP $3,400
This is the middle plan when it comes to deductibles. All in-network services are covered 100% after you meet your deductible.
Is a High Deductible Health Plan which means:
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You’ll pay the cost of services, including prescriptions, until you meet the deductible.
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To help pay for those costs, you can set aside money in a tax-advantaged Health Savings Account (HSA) or save these funds for future needs.
HDHP $3,800
Good option if you’re looking to pay a lower premium. This plan has the highest deductible and out-of-pocket maximum. All in-network services are covered 80% after you meet your deductible.
Is a High Deductible Health Plan which means:
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You’ll pay the cost of services, including prescriptions, until you meet the deductible.
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To help pay for those costs, you can set aside money in a tax-advantaged Health Savings Account (HSA) or save these funds for future needs.
PPO $2,800
This plan costs the same as the $3,400 HDHP and has a copay for office visits as well as for most prescription drugs.
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All in-network services are covered 80% after you meet your deductible.
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Copays for prescriptions and office visits do not apply toward your deductible.
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Is a PPO Plan which means:
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To help pay for out-of-pocket costs, you can set aside money in a tax-advantaged Healthcare FSA to pay for IRS-approved medical expenses. Be careful to plan your FSA election carefully because any funds left in your account will be forfeited.
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Medical Coverage At-A-Glance
Employee Bi-Weekly Rates Per Pay Period
The costs below do not include the $75 per pay period spousal surcharge or wellness discount, if applicable.
To get the Sydney Health App, scan this QR code.
Anthem Contact Info
Group#: W2972
Medical: 833.578.4443
24/7 NurseLine: 800.337.4770
Visit: anthem.com
LiveHealth Online
Access a Doctor Anywhere 24/7
Have you ever been at work and didn’t feel well? Have you ever felt sick on a weekend or holiday when your normal doctor’s office is closed? Use your smartphone, tablet, or computer with a webcam to access LiveHealth Online and see a board-certified doctor in minutes.
Sign Up and Get the Following Benefits
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24/7 access to doctors to assess your condition, provide treatment options, and even send a prescription to the pharmacy of your choice, if needed.
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Medical care when and where you need it.
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Convenience since there are no appointments or long waits. In fact, most people are connected to a doctor in about 10 minutes or less.
How to Make Your First Appointment
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Use the app or go to livehealthonline.com and log in
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Call LiveHealth Online at 844.784.8409 from 7:00 a.m. to 11:00 p.m.
You will get an email confirming your appointment.
What Kind of Doctors Can You See on LiveHealth Online?
With LiveHealth Online, you can expect to see the following kinds of doctors:
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Board-certified with an average of 15 years of practicing medicine
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Mainly primary care physicians
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Specially trained for online visits
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Allergies
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Cold and flu symptoms
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Cough
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Ear infection
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Fever
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Headache
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Rash
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Sinus infection
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Urinary tract infection (UTI)
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And more!
If you’re feeling stressed, worried, or having a tough time, you can talk to a licensed psychologist or therapist through video using LiveHealth Online Psychology. It’s easy to use, private, and in most cases, you can see a therapist within four days or less. The cost is similar to what you’d pay for an office therapy visit.
LiveHealth Online Psychology Can Help with the Following:
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Stress
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Anxiety
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Depression
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Family or relationship issues
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Grief
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Panic attacks
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Stress from coping with a sickness
Aduro Connect Care
Aduro Connect Care is a program for employees and their spouses living with or at risk for chronic conditions such as diabetes, hypertension, and weight-related challenges. Participants will receive real-time insights and targeted interventions based on their unique health data, while coaches provide accountability and encouragement to drive sustainable improvements across multiple health areas. As an enhancement to the Wellness Worx program, this is provided by Boyd at no additional cost to you.
Whether you’re looking to go beyond diabetes management or improve your heart health, we have personalized programs to help you every step of the way.
Diabetes
If you’ve been diagnosed with type 2 diabetes, this program offers the tools and support you need to transform your health. Start your journey toward lasting blood sugar control and build habits that go beyond managing diabetes. You may also have the opportunity to wear a free Continuous Glucose Monitor (CGM) for 30 to 90 days to see how your lifestyle impacts your blood sugar.
Hypertension
If you’ve been diagnosed with hypertension, this program will guide you through four months of personalized coaching, practical tools, and consistent support via email, text, and more - fitting seamlessly into your life to help you take control of your heart health. Utilize passive blood pressure data syncing to your Wellness Worx account through Apple Health or Google Fit for continuous monitoring and support.
1:1 Coaching
Work with a personal coach who will help you change your habits and achieve your goals.
Exclusive Workshops
Our coach-guided workshops cover a variety of topics you care about, from meal planning to stress management.
Tools & Resources
24/7 access to a library of expert-approved tools and resources that you can access on your phone and on the web.
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Create a Wellness Worx account or log in to your existing account at boyd.adurolife.com.
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Click on the Connect Care tile in the featured section of the home page to complete the enrollment survey.
Hinge Health
Reduce your back and joint pain without leaving your home. Hinge Health provides virtual pain management and physical therapy programs at no cost if you’re enrolled in the company medical plan.
Hinge Health can help you conquer back and joint pain, recover from injuries, prepare for surgery, or stay healthy and pain free. Best of all, this company-paid benefit is available for employees, spouses*, and dependents*, and has the added benefit of no copays or office visits.
Hinge Health provides all the tools you need to get moving again from the comfort of your home. Here are some ways your treatment plan could be tailored to you:
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Get a personal care team, including a physical therapist and health coach.
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Schedule as many personal physical therapy sessions as needed.
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Receive wearable sensors that give live feedback on your form in the app.
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Get a second opinion on your recommended surgery and treatment plan.
If you don’t have pain and are just looking to keep your joints healthy and pain free, you can sign up for the free app. All employees can get recommended exercises tailored to meet your job and lifestyle.
* All employees and spouses, 18+ are eligible. Dependents 18+ are eligible if enrolled in a Boyd medical plan.
Wellness Worx Program
With our Wellness Worx Program, provided in partnership with Aduro, small steps can lead to big rewards! Participation in this program is voluntary for you and your spouse (if applicable).
Wellness Worx Program Overview
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The medical premium discount is up to $120 per month.
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You and your spouse (if applicable) need to complete both requirements in Level 1 to earn $40 towards your medical premium discount.
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Level 2 requirements must be completed by 8/31/26 to earn $80 towards your medical premium discount for 2027.
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Employee and spouse discounts are averaged.
Frequently Asked Questions
- Will Health Coaching and Wellness Activities be offered in 2026?
Yes, virtual Health Coaching and Wellness Activities will continue to be offered to help you achieve your wellness goals.
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Will I receive a discount if my spouse does not participate?
Spouses and employees on the medical insurance plan who choose not to participate will earn $0. The dollar amount earned for both employee and spouse is averaged to determine total monthly medical premium discount.
Additional 2026 Program Highlights
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Activity calendar—the Wellness Worx program offers a full program of activities and associated points year-round to support the ability to engage in content of your choice, support healthy behavior change, and allow you to earn points towards Level 3 after Levels 1 and 2 requirements have been completed.
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Quarterly incentives—to support sustained engagement throughout the program year, you will have the opportunity to earn an additional quarterly $25 Tango gift card ($75 total) for engaging in team-based activities throughout the year.
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Aduro Connect Care—will offer real-time insights and targeted interventions based on your own unique health data, for participants living with or at risk for chronic healthconditions, such as diabetes and hypertension.
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
Dental
We partner with Delta Dental of KY to offer you and your family members three dental insurance plans. You can elect which plan best meets your needs. Visit deltadentalky.com/log-in/ to find in-network providers and access a variety of online tools and programs.
Download the Delta Dental mobile app by clicking here.
In-Network Dental Benefits At-a-Glance
* Deductibles do not apply to diagnostic and preventative or orthodontics.
(1) Benefits paid as services are rendered.
(2) Orthodontics—orthodontic (braces) coverage is only available for those who elect to participate in the White Plan (employee + child(ren) or family) only). Your child(ren) are covered for orthodontic services until their 19th birthday.
Dental Plan Carryover Benefits
You are able to carry over unused benefit dollars into the next plan year. Red and White Plans — carry over up to $375; Platinum Plan — carry over up to $500.
Employee Bi-Weekly Rates Per Pay Period
Your Hearing Discount Program
Included With Your Dental Coverage
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Custom hearing solutions to best fit your lifestyle and budget from one of 10 manufacturers.
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Risk-free 60-day trial with a 100% money-back guarantee.
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Continuous Care: One year of free follow-up care, two years of free batteries, and a three-year warranty.
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Hearing aid low price guarantee: If you find the same product at a lower price, bring us the local quote and we’ll not only match it, we’ll beat it by 5%!
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Discounted hearing testing.
How to Access Your Discount
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Call Amplifon at 888.832.1867 to find a provider near you.
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The Amplifon process will be explained, and they’ll help you schedule an appointment.
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Information will be sent to you and the provider, ensuring your discount is activated.
Vision
We partner with Anthem to offer you and your family members vision insurance. Visit anthem.com to find in-network providers and access a variety of online tools and programs.
Download the Anthem mobile app by clicking here.
Vision Benefits At-a-Glance
* Not all providers offer all services. Please confirm what services are offered with the provider when making your appointment. If you are enrolled in medical, you will use your same Anthem ID card for vision.
Employee Bi-Weekly Rates Per Pay Period
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
HSA
A health savings account (HSA) is a tax-favored personal savings account that works with your high deductible health plan (HDHP). You can use it to pay qualified medical expenses such as deductibles, copays, over-the-counter items, dental, and vision care. For a complete list of qualified medical expenses, see IRS Publication 502 at irs.gov.
To learn more, visit Voya or download the mobile app.
HSA Major Benefits
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Your account always belongs to you; you can take it with you when you leave or retire.
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Your balance rolls over from year to year.
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Contributing lowers your taxable income.
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The account helps you build a healthcare nest egg for emergencies or retirement.
Triple Tax Savings
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Tax deduction when you contribute to your account
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Tax-free earnings through investment
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Tax-free withdrawal for qualified expenses
2026 HSA Funding Limits
The IRS sets maximum HSA contribution limits for 2026.
Download the Voya App
How Does the HSA Work?
If you are electing an HSA for the first time, you must complete the Voya enrollment form here. You can also download the Voya app.
Once your account is open, you will receive a bank card which will allow you to pay for qualified medical expenses. If you want checks, you may also request them but there is a nominal fee required.
When Visiting a Physician, Hospital, or Other Facility
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When arriving for your appointment, provide them with your Anthem insurance card.
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After your visit, your claim will be submitted to Anthem for processing.
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After the healthcare provider has received notification from Anthem that the claim has been processed, you will receive a billing statement outlining the balance you are responsible to pay.
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Use your HSA debit card to pay for these expenses.
When Going to the Pharmacy
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When picking up your medication, provide them with your Anthem insurance card.
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The pharmacy will run it through their system and provide you with a balance due.
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You then use your HSA debit card to pay for these expenses at that time.
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Congress recently passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. One provision within the CARES Act allows individuals to use money from pre-tax accounts (health savings accounts (HSA) and flexible spending arrangements) to purchase over-the-counter drugs. It also allows pre-tax purchase of menstrual products.
HSA Eligibility
You may open and contribute to an HSA if you’re enrolled in the Boyd high deductible health plan (HDHP) and you:
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Are not enrolled in a traditional PPO plan through your spouse or other employer-sponsored plan options.
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Are not enrolled in a government-sponsored program (Medicare, Medicaid, Tricare, etc.).
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Have not received VA benefits within the last three months (unless for a service-related disability).
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Are not claimed as a dependent on someone else’s tax return.
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Do not have a healthcare FSA; your spouse also cannot have a healthcare FSA through their own employer.
FSA
To Create an FSA account through Lively, click on this link (Lively Link). To Learn more about FSA eligible expenses please visit "https://www.fsafeds.gov/support/eligibleexpenses"
We offer two types of FSAs. To learn more about the FSAs, visit Lively.
Non-Participating Benefit
For employees who do not elect the company’s medical insurance, this benefit pays $500 annually ($19.23 per pay period). You can receive this benefit as an FSA contribution or cash.
*You are not eligible to receive this benefit if you are covered on the medical insurance plan of another employee of Boyd.
Healthcare FSA
The healthcare FSA helps you pay IRS-approved medical expenses. You may contribute from $100 up to $2,500 annually. Funds you elect to contribute to the healthcare FSA are available in full on the first day of the plan year. You can only open an FSA if you aren’t enrolled in an HDHP.
Dependent Care FSA
The dependent care FSA helps you pay for dependent care. You can contribute from $100 up to $5,000 (or $2,500 if married and filing separately) annually. Your account works like a debit card; you need to accumulate the funds before you can use them.
Use It or Lose It
If you contribute to an FSA, you must carefully determine your annual election amount during the plan year. According to IRS regulations, the money you set aside must be used for expenses incurred during the plan year in which you make the election. Funds must be used by December 31 of the current plan year, and you can submit claims until March 15 of the following year. Any funds left in the account as of March 2027 (from the 2026 plan year) will be forfeited.
Eligible Expenses
Below are examples of eligible FSA expenses. For a full list of eligible expenses visit irs.gov/publications/p502.
Healthcare FSA
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Doctor’s visit copays
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Prescription drug copays
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Medical and dental deductibles
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Over-the-counter items
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Hearing aids
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Eyeglasses
Dependent Care FSA
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Child or adult daycare*
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Nursery school
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Preschool (excluding kindergarten)
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
Life and AD&D
Providing economic security for your family is a major consideration in personal financial planning. Boyd provides you with life and accidental death and dismemberment (AD&D) coverage as well as the option to purchase additional coverage at affordable group rates through Lincoln Financial Group.
Company Paid Coverage
Life Insurance
Boyd pays for the cost of life insurance for all employees. The purpose is to guarantee each active employee term life insurance in the event of death. The company-paid life insurance benefit amounts are:
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Hourly Employees: 1.5 x your annual base pay, up to $50,000
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Salary Employees: 1.5 x your annual base pay, up to $500,000
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Commissioned Employees: 1.5 x your 3-year average salary up to $200,000
Accidental Death and Dismemberment (AD&D)
Your AD&D coverage equals the amount of your basic employee term life coverage.
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Additional amount payable for loss of life because of an accident in a private passenger car while using a seat belt is the amount equal to the lessor of 10% of your amount of insurance or $25,000
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Additional amount payable for loss of life because of an accident in a private passenger car equipped with an airbag is the amount equal to the lessor of 5% of your amount of insurance or $5,000
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Excludes ATVs
Employee-Paid Life and Accidental Death and Dismemberment
Eligibility
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Employee eligibility requirement: You must be actively at work (able to perform all normal duties of your job) and have completed your 30-day benefits eligibility period to be eligible for coverage.
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Minimum work hours: You must be working a minimum of 30 hours per week to be eligible.
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Coverage payment: You pay 100% of the premium for this coverage through easy payroll deduction.
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Dependent eligibility requirement: To be eligible for coverage, your dependents must be an unmarried child who meets the following requirements:
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A child from live birth but less than 26 years old;
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A child who is 26 or more years old, primarily supported by you and incapable of self-sustaining employment by reason of mental or physical incapacity.
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* Eligible employees can elect or increase up to one increment ($10,000) for themselves, up to $200,000, and one increment ($5,000) for their spouse, up to $50,000, without going through underwriting for approval. There is no medical underwriting at any time for voluntary AD&D coverage, so employees can elect coverage up to $500,000 (not to exceed five times their annual salary); spouses can elect 50% of the employee’s amount.
Disability
Short Term and Long Term Disability coverage is provided through Lincoln Financial Group. Disability coverage helps protect your income if you are unable to work due to a covered non-work-related injury or illness (work-related injuries or illnesses may fall under workers’ compensation).
Elimination periods and benefit maximums as defined by the policy will apply. Proof of disability must be submitted upon request to maintain eligibility to receive this benefit.
Short-Term Disability
Hourly Employees
Company-Provided Coverage
Boyd pays the premium for a basic short term disability benefit of 40% of your weekly earnings to a maximum benefit of $550 per week.
Optional Buy-Up Coverage
You are eligible to purchase buy-up coverage. You may elect an additional 20% of coverage based on your weekly earnings to a maximum benefit of $1,000 per week.
Salaried Employees
Company-Provided Coverage
Boyd pays the premium for a basic benefit of 40% of your weekly earnings to a maximum benefit of $1,153 per week.
Optional Buy-Up Coverage
You are eligible to purchase buy-up coverage. You may elect an additional 20% of coverage based on your weekly earnings to a maximum benefit of $2,307 per week.
Long-Term Disability: Company-Provided Coverage
Boyd also provides a basic long term disability benefit equal to a portion of your monthly earnings up to a monthly maximum as defined by the policy.
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
Worksite Benefits
Worksite benefits, administered by Lincoln, provide an added layer of financial protection for you and your family. These benefits will help cover any extra out-of-pocket expenses if you suffer an unexpected serious illness or qualifying accident.
You have the option to elect Critical Illness, Accidental Injury, and Hospital Care Insurance when you enroll. Visit the Documents Library under “Worksite Benefits” for more details about these three plan options.
Critical Illness
Critical Illness insurance pays a lump sum benefit directly to the covered person, unless otherwise assigned, if they are diagnosed with a covered critical illness, or specified disease condition. This plan can help ease some of your financial worries so that you can stay focused on your health.You choose how to spend or save your benefit. It can be used for expenses such as:*
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Paying for childcare or helping around the house
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Copays and deductibles
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Travel costs to see a specialist
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Prescription drug costs
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Medical treatment and doctor visits
Health Screening Test Benefit: Examples include (but are not limited to) mammography and certain blood tests, including annual onsite wellness screenings. The benefit amount shown will be paid regardless of the actual expenses incurred. Virtual care is accepted. A 30-day benefits waiting period applies, during which benefits will not be paid. Benefit amount: $75 per year. Refer to the Benefits Summary for Critical Illness for more information.
Accidental Injury
Accidental Injury insurance pays a fixed benefit for a broad range of injuries or treatments associated with a covered accident. You can use the money however you’d like. For example, benefits can help pay for out-of-pocket expenses for:
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Initial and emergency care
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Hospitalizations
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Fractures and dislocations
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Follow-up care
Hospital Care
Hospital Care insurance pays a fixed benefit paid directly to the covered person, unless otherwise assigned, for covered hospital** stays resulting from a covered injury or illness.You can use the money received from the hospital stay to help pay for:
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Childcare or help around the house
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Copays, deductibles, or coinsurance
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Travel costs to see a specialist
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Follow-up care
* These are examples only and may not be covered under the specific group critical illness policy offered by your employer. Exclusions and limitations may apply. Coverage is subject to terms and conditions outlined in the group policy. Refer to your plan Benefit Summary for more information about the coverage under your specific critical illness plan.
** The term “hospital” does not include a clinic, facility, or unit of a hospital for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addicts, or alcoholics; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients.
Who Can Elect Worksite Benefit Coverage
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You: All active, full-time employees regularly working a minimum of 30 hours per week, who are United States citizens and permanent resident aliens, regularly working and residing in the United States.
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Your Spouse: If you apply and are approved for coverage yourself, your spouse is eligible up to age 70, as long as they are a US citizen residing in the US.
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Your Child(ren): If you apply and are approved for coverage yourself, your child(ren) is eligible from birth to age 26 or 26+ if disabled. Your child(ren) must be a US citizen and residing in the US
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
New to Boyd
Welcome to the Boyd team! As a new employee, you’re eligible for coverage after you have completed the benefits eligibility period, generally 30 days. View the 2026 benefits video so you will be prepared to make your benefits elections on your first day as a new hire. If you have a spouse or dependent you would like to enroll, you must fill out the Proof of Relationship form as well as provide a marriage certificate and/or birth certificates as applicable.
Benefits Eligibility
Covering Yourself
You are eligible for benefits on the date you meet the following requirements.
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You are a regular, full-time, active employee whose regularly scheduled work week is at least 30 hours.
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You perform your duties for your employer at your employer’s business establishment, or other location to which your employer’s business requires you to travel.
Covering Your Family Members
Dependents are eligible for benefits if they meet the following requirements.
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They are a lawful spouse of a Company employee, provided no legal separation or divorce has been obtained (if spouse is eligible for coverage through their employer, a spousal surcharge will apply to the medical premium).
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They are children of a Company employee who are under the age of 26 (this includes stepchildren, legally adopted children, or children under an employee’s legal guardianship).
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Dependents are covered until end of month of their 26th birthday.
How to Enroll in Benefits as a New Hire
Review these instructions to learn more about enrolling or waiving coverage during your new hire eligibility period.
Qualifying Life Events
Once you make your benefits elections, you can’t change them until next year’s Open Enrollment unless you experience a Qualifying Life Event.
Examples of qualifying events:
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Birth or adoption
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Change in insurance coverage
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Death in the family (spouse or dependent child)
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Dependent child reached limiting age of 26
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Divorce, annulment, or legal separation
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FMLA-related leave
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Marriage
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Spouse or child loses existing coverage
You must make changes to your benefits within 30 days of your Qualifying Life Event.* If you miss the deadline, you may have to wait until next year’s Open Enrollment.
*Keep in mind, you must provide proof of the Qualifying Life Event such as a marriage or birth certificate.
When your family has a big change, Boyd is here to help. If you’ve had or are expecting a Qualifying Life Event in your family, such as a new child or change in your marital status, you may need to adjust your benefits coverage. You might also need to take time away from work or access resources/tools to help you adjust.
Questions?
For all leave of absence questions or any other life event, please reach out to benefits@boydcat.com.
Resources
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CuraLinc Employee Assistance and Work/Life Support Program resources can help you find childcare and connect with a counselor in person or via video. To get started, call 881.LINC (5462) or log in to supportlinc.com (username boyd).
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Empathy through Lincoln Financial offers comprehensive support for bereaved families. Visit join.empathy.com/lincolnfinancial to sign up.
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Headway can help medical plan members connect to a mental healthcare provider or direct you if you aren’t sure where to start. To access, visit book.headway.co/anthem-bc or call 646.941.7645.
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LifeKeys through Lincoln Financial offers bereavement services such as grief counseling and help coping with the occasional challenges of day-to-day life. Visit GuidanceResources.com, download the GuidanceNow mobile app, or call 855.891.3684. First-time users enter Web ID Lifekeys.
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LiveHealth Online medical care gives you 24/7 access to doctors as part of your medical benefits, at no additional cost. To start using LiveHealth Online, sign up at livehealthonline.com or download the app.
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LiveHealth Online Psychology mental healthcare gives you access to video visits with a licensed therapist or board-certified psychiatrist. Call 844.784.8409 from 7:00 a.m. to 11:00 p.m. to make an appointment. You can also use the app or log in to livehealthonline.com.
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Rula is an additional resource for getting connected to a mental healthcare provider that fits your needs. To find a therapist, go to rula.com/find-a-anthem-therapist.
How to Change Your Benefits After a Qualifying Life Event
Contact benefits@boydcat.com within 30 days of the effective date of your Qualifying Life Event for further instructions.
Proof of Relationship Form
To enroll a spouse or dependent, complete the Proof of Relationship form as well as provide proof of the Qualifying Life Event, such as a marriage or birth certificate. Dependent eligibility details are included on the form.
Preparing for Retirement
Whether you’re ready to retire or see retirement on the horizon, Boyd is proud to help you prepare for life after your career.
Your 401(k)
Contributing to the Boyd 401(k) is an important step in saving for retirement. It’s never too late to start saving. As you approach retirement, you may want to adjust your investment portfolio to lessen your risk. The Voya website has many informational resources to help you create an investment portfolio that’s right for you.
When you are ready to retire, you can begin making withdrawals. Learn how to get started by contacting Voya online at boyd401k.voya.com or by calling 888.774.2693.
Your Health Savings Account (HSA)
If you are enrolled in an HSA-eligible medical plan, you can set aside pre-tax dollars to use in retirement. You can use it to pay qualified medical expenses such as deductibles, copays, over-the-counter items, dental, and vision care. If you are age 55 or older, you can contribute an extra $1,000 on top of the annual contribution limit.
Your HSA follows you into retirement. You will use it just as you did before you retired. It’s important to know that you can only contribute to your HSA while you are enrolled in a high deductible health plan. Once you enroll in Medicare, or switch to a different kind of medical plan, you can no longer contribute. You can only spend your HSA funds.
Your Medical Coverage
What is Medicare?
Medicare is health insurance for:
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People 65 or older
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Certain people under 65 with disabilities
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People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
Get Support with Your Medicare Decision
Review this Fact Sheet to help you make important decisions about Medicare coverage.
Click here to learn about enrolling in Medicare coverage if you turn 65.
Review this FAQ about retirement.
What are the Parts of Medicare?
Part A helps cover:
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Inpatient care in hospitals
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Skilled nursing facility care
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Hospice care
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Home health care
You usually don’t pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working for a certain amount of time. This is sometimes called premium-free Part A. If you aren’t eligible for premium-free Part A, you may be able to buy Part A.
Part B helps cover:
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Services from doctors and other healthcare providers
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Outpatient care
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Home health care
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Durable medical equipment (DME) (such as wheelchairs, walkers, hospital beds, and other equipment)
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Many preventive services (such as screenings, shots or vaccines, and yearly “Wellness” visits)
Most people pay the standard Part B premium amount. Original Medicare pays for much, but not all of the cost for health care services and supplies. Medicare Supplement Insurance (Medigap) policies, sold by private companies, can help pay some of the remaining health care costs, such as copayments, coinsurance, and deductibles.
Medicare Advantage (also known as Part C):
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An “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
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Plans may have lower out-of-pocket costs than Original Medicare.
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Most plans offer extra benefits that Original Medicare doesn’t cover, such as vision, hearing, and dental services.
Part D (prescription drug coverage):
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Helps cover the cost of prescription drugs (including many recommended shots or vaccines)
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Run by private insurance companies that follow rules set by Medicare
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May help lower your drug costs and help protect against higher costs in the future
Note: If you have limited income and resources, you may qualify for help to pay for some health care and prescription drug costs. For more information on programs that can help pay for your health care costs, visit Medicare.gov, or call
1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.
401(k)
Your financial security is important to you and your family. We want you to feel secure and prepared for life after your career. In partnership with Voya, our 401(k) plan is designed to help you plan ahead and feel prepared.
Eligibility
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You are automatically enrolled in our 401(k) plan after 30 days of service
Participation
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Pre-tax or Roth (after-tax) basis
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Enrollment options:
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Auto-enrolled to contribute 3% pre-tax, then auto increase annually up to a maximum 10%
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Choose your own contribution percentage
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Opt out
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Bi-weekly through payroll deduction
Employer Match
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The company will match up to 3.5% of your salary:*
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First percent contributed will be matched at 100%, next 5% will be matched at 50%.
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To receive the full match, you must contribute 6%.
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* At its discretion, the company may suspend the company match upon notification.
Vesting
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You are always 100% vested in your own contributions.
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After two years of service, you are 100% vested in employer contributions.
Investments
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Numerous investments to choose from
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If no elections made, contributions invest in default investment
Reminder
Be sure to add or update beneficiaries on the Voya site.
How to Contact Voya
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Visit boyd401k.voya.com
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Call 888.774.2693
You will receive a packet of information from the plan provider for the plan. Please take time to read over the information provided as it will explain the many features and options of the plan.
More details are also available in the Summary Plan Description, which can be found on the company intranet or the plan provider’s website.
CEFCU
To Join
Go to cefcu.com/join
Or, contact your Dealer Team at: 1.800.447.0966 dealers@cefcu.com
Already a Member?
Learn more about the benefits at cefcu.com/better.
Take advantage of all our special offers. Visit cefcu.com/offers to find out more.
Boyd Benefits & Payroll Contacts
Michelle Harper
Benefits and Human Resources Specialist
(Benefits and Onboarding)
502.774.4441
michelleharper@boydcat.com
Mikaela Click
Benefits and Leave Specialist
(Wellness Worx Champion Lead, Workers’ Compensation, Leave of Absence)
502.774.4441
mikaelaclick@boydcat.com
Dawn Wilder
Benefits & Leave Specialist
(Workers’ Compensation, Leave of Absence, STD)
502.774.4441
dawnwilder@boydcat.com
Lisa Roberts
Benefits & Compliance Manager
502.774.4441
lisaroberts@boydcat.com
Lauren Boone
Payroll Specialist
(401(k), Payroll and PTO Questions and Assistance)
502.744.4441
laurenboone@boydcat.com
Levi Williamson
Payroll Specialist
(Payroll Tax Forms, Direct Deposit, CEFCU and PTO Questions)
502.744.4441
leviwilliamson@boydcat.com
Kara Davenport
Payroll Manager and 401(k)
502.774.4441
karadavenport@boydcat.com
Carrier Contact Information
Medical / Vision
Anthem
Group # W29725
Medical 833.578.4443
24/7 NurseLine 800.337.4770
Vision 866.723.0515
anthem.com
Download the Mobile App
Dental
Delta Dental Of KY
Group # 684490
800.955.2030
deltadentalky.com/log-in/
Download the Mobile App
Health Savings Account (HSA)
Voya
Customer Service: 833.232.4673
www.myhealthaccounts.voya.com
Download the Mobile App
401(k)
Voya
Customer Service: 888.774.2693
boyd401k.voya.com
Download the Mobile App
Vista
boyd.pdsvista.com
View paychecks, time off, benefit
information, etc.
Voluntary Life / Group Life / AD&D / Disability
Lincoln Financial Group
888.408.7300
mylincolnportal.com
Download the Apple Mobile App
Download the Android Mobile App
Hinge Health
855.902.2777
hinge.health/boydcat
Download the Mobile App
Curalinc Employee Assistance Program
888.881.5462
supportlinc.com
For initial registration use employer ID: Boyd
Download the Mobile App
FSA and DCFSA
Lively
Customer Service: 888.576.4837
support@livelyme.com
Download the Mobile App
Wellness
Credit Union
Worksite Benefits
Critical Illness/Injury, Accident, and Hospital Care
Lincoln
888.408.7300
Download the Apple Mobile App
Download the Android Mobile App
Benefits Guide
Review the Benefits Guide for a detailed overview of all the benefits provided in our benefits program.
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
Documents Library
Medical Plans
Blue View Vision OON Claim Form
CARELON Rx Home Delivery Form
CARELON Rx Reimbursement Claim Form
Medical Claim Form
Anthem Preventive Care List
Anthem Preventive Rx-Drug List 2026
Why Anthem Calls
Case Management
Care Choices
Questions to Ask Your Doctor
Anthem Behavioral Health Advocate
SBC Blue Access PPO $2800
SBC Blue Access HDHP $3400
SBC Blue Access HDHP $3800
Live Health Online
Health Savings Account
Flexible Spending Account
Dental
Vision
Wellness Worx Program
Life, Accidental Death & Dismemberment, and Disability
For these benefit plan summaries contact benefits@boydcat.com.
Worksite Benefits
Employee Assistance Program
Value Added Services
Annual Notices
Have benefit questions?
Email: benefits@boydcat.com
For Internal Use Only
