Welcome!

Employee benefits are more valuable than ever and are a significant part of your compensation package. The resources and videos here are designed to provide the information you need to identify the best offerings for you and your family.

Please take some time to review the information on this website. The videos provide a general overview of the benefits, while the documents provide more detail.

Notices and Disclosures

This site summarizes benefits under your employer's benefits program but is not a contract. Full details about the program are provided in legal plan documents and insurance contracts that govern the program. If there are differences between this site and those documents and contracts, the legal documents will control.

Medical, Dental & Vision Benefits

Medical, dental, and vision coverage provides you and your family the protection you need for everyday health.

Life & Disability Benefits

Basic life and disability insurance are available and provide financial protection in the event of unforeseen circumstances.

Qualifying Events

Employees must notify HR within 30 days of any of the following family status changes:

Marriage/Divorce
Birth/Adoption
Death
Loss of eligibility (e.g., dependent child turns 26, unmarried full-time student graduates, gets married, etc.)

Failure to notify HR promptly may void COBRA rights!

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Medical Benefits

We are proud to offer you a choice of different medical plans. Coverage includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle.

Carrier: Wellmark

Eligibility: Employees regularly scheduled to work 30+ hours per week

Waiting Period: First of the month following 60 days of employment

My Wellmark Information

$5,000 PPO	In-Network	Out-of-Network
Physician Office Visit	Primary Care Physician: $0 Copay Specialist: $100 Copay	Deductible then Coinsurance
Calendar Year Deductible	$5,000 Single / $10,000 Family	$10,000 Single / $20,000 Family
Coinsurance (Plan Pays / You Pay)	80% / 20%	50% / 50%
Out-of-Pocket Maximum	$6,500 Single / $13,000 Family	$20,000 / $40,000 Family
Annual Routine Physical	No cost sharing for preventive services	Deductible then Coinsurance
Emergency Room Visits	$250 Copayment then Coinsurance	$250 Copayment then Coinsurance
Hospital Services	Deductible then Coinsurance	Deductible then Coinsurance

Summary of Benefits & Coverage

Coverage Manual

$5,000 POS	Tier 1	Tier 2	Tier 3
Physician Office Visit	Primary Care Physician: $0 Copay Specialist: $100 Copay	Primary Care Physician: $5 Copay Specialist: $100 Copay	Deductible then coinsurance
Calendar Year Deductible	$5,000 Single / $10,000 Family	$5,000 Single / $10,000 Family	$10,000 Single / $20,000 Family
Coinsurance (Plan Pays / You Pay)	80% / 20%	80% / 20%	50% / 50%
Out-of-Pocket Maximum	$6,500 Single / $13,000 Family	$6,500 Single / $13,000 Family	$20,000 Single / $40,000 Family
Annual Routine Physical	No cost sharing for preventive services	No cost sharing for preventive services	Deductible then coinsurance
Emergency Room Visits	$250 Copayment then coinsurance	$250 Copayment then coinsurance	$250 Copayment then coinsurance
Hospital Services	Deductible then Coinsurance	Deductible then Coinsurance	Deductible then Coinsurance

Summary of Benefits & Coverage

Coverage Manual

Contact HR for Specific Medical Premiums

Pharmacy Benefits

	$5,000 PPO	$5,000 POS
Deductible		$250 Single / $500 Family
Out-of-pocket maximum		$6,500 Single / $13,000 Family
Retail 30-day Supply	Tier 1: $10 Tier 2: $10 Tier 3: $60 Specialty Drugs: Covered	Tier 1: $5 Tier 2: $50 Tier 3: $100 Specialty Drugs: $50 copayment for biosimilar or generic specialty drugs, $100 copayment for preferred specialty drugs and 50% coinsurance for non-preferred specialty drugs
Mail Order	2 Copays for 90-day supply	3 Copays for 90-day supply

BlueRx Pharmacy POS

Doctor on Demand

With Doctor on Demand, you can access a full suite of primary and urgent care services.

Getting sick is bad enough without getting out of bed to see a doctor. With Doctor on Demand, you and your family can connect face-to-face with a board-certified doctor 24 hours a day, seven days a week, 365 days a year. Get treatment for cold and flu, bronchitis and sinus infections, urinary tract infections, sore throats, allergies, fever, headache, pink eye, and skin conditions.

Doctor on Demand

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2025 Employee Benefits

Dental & Vision Benefits

As part of the comprehensive benefit package, we offer employees the option to select dental and vision coverage for themselves and their dependents.

Eligibility: Employees scheduled 30+ hours per week

Waiting Period: First of the month following 60 days of employment

Dental

Taking care of your oral health is essential. Focusing on prevention, early diagnosis, and treatment can significantly reduce your costs for restorative and emergency procedures.

Carrier: United Healthcare

	In-Network	Out of Network
Deductible	$50 Single / $150 Family	$50 Single / $150 Family
Preventive & Diagnostic Dental Cleanings, Oral Evaluations, Fluoride Applications...	100% / 0% Deductible does not apply	100% / 0% Deductible does not apply
Basic Emergency Treatment, general anesthesia/sedation, restoration of decayed or...	80% / 20%	80% / 20%
Major	50% / 50%	50% / 50%
Orthodontia Adult coverage and dependent children to age 19	50% / 50% $1,000 Lifetime Maximum (Deductible does not apply)
Maximum Annual Benefit	$1,000 Per Person	$1,000 Per Person

Dental Benefit Summary

Dental Plan Premiums (Pre-tax)

Employee cost per pay period (24 per year)

Effective January 1, 2025

Employee	$6.74
Employee + Spouse	$20.21
Employee + Child(ren)	$21.45
Family	$36.29

Vision Plan Premiums (Pre-tax)

Employee cost per pay period (24 per year)

Effective January 1, 2025

Employee	$1.72
Employee + Spouse	$2.31
Employee + Child(ren)	$2.51
Family	$3.23

Vision Benefit Summary

Vision

Healthy eyes and clear vision are important to your overall health and quality of life.

Carrier: United Healthcare

	In-Network	Non-Network
Exam	$10 Copay Once every 12 months	$40 Maximum Benefit
Single Vision Bi-focal Vision Tri-focal Vision	$25 Copay Once every 12 months	$25 Maximum Benefit $60 Maximum Benefit $80 Maximum Benefit
Lens Options: Standard Plastic Scratch Coating, Tint, UV Treatment	Covered in full	Covered in full
Frames	$10 Copay then covered in full for retail frames, up to $130 Once every 12 months	$45 Maximum Benefit
Contact Lenses	$10 Copay	$80 Maximum Benefit

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2025 Employee Benefits

Life Insurance

Planning for your family’s financial security is one of the greatest gifts you can give your loved ones.

Carrier: United Healthcare
Eligibility: All eligible employees working 30+ hours per week

Waiting Period: First of the month following 60 days of employment

Basic Group Life Insurance

Your employer provides basic group life insurance to help protect your family's finances.

Basic Group Life has a guaranteed life benefit of $15,000 and a maximum AD&D benefit of $15,000.

Basic Life and AD&D Insurance

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2025 Employee Benefits

Wellmark

Your personal health care information is at your fingertips with myWellmark - no matter your location - with tools, resources, and insights to help you manage health care spending and live healthier lives.

Website: myWellmark.com

Wellmark.com