Welcome!

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

Take some time to review the information provided on this website. The videos provide a general overview of the benefits provided, while the documents go into more detail.

Notices & Disclosures

2025 Enrollment-Change Form

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.

Voluntary Benefits

You have the flexibility to select from a range of benefits to keep you and your family healthy and protected.

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, etc.)

Failure to notify HR in a timely manner may void COBRA rights!

Have Benefits Questions?

Colleen Rillie

Email: crillie@ahelpc.com

Phone: (815) 778-3683

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: BlueCross BlueShield of Illinois

Eligibility: Employee scheduled 30+ hours per week

Waiting Period: First of the month following date of hire

Blue Choice Select PPO 1124	In-Network	Out-of-Network
Physician Office Visits	PCP: $30 Copay Specialist: $50 Copay	Deductive then Coinsurance
Calendar Year Deductible	$3,000 Single / $9,000 Family	$6,000 Single / $18,000 Family
Coinsurance (Plan Pays / You Pay)	80% / 20%	50% / 50%
Out-of-Pocket Maximum	$6,000 Single / $17,100 Family	$18,000 / $51,300 Family
Annual Routine Physical	No cost sharing for preventive services	Deductible then Coinsurance
Emergency Room Visits	$200 Copay	$200 Copay
Inpatient Hospital Services	Deductible then Coinsurance	$300 Copay then Deductible then Coinsurance

Medical Summary of Benefits & Coverage

	Blue Choice Select PPO 1124
RX Deductible	None
Retail 30-Day Supply	Tier 1: Preferred-$0 Copay/Non-Preferred: $10 Copay Tier 2: Preferred-$10 Copay/Non-Preferred: $20 Copay Tier 3: Preferred-$50 Copay/Non-Preferred: $70 Copay Tier 4: Preferred-$100 Copay/Non-Preferred: $120 Copay
Specialty Drugs	Preferred: $150 Copay Non-Preferred: $250 Copay
Mail Order	Preferred Only: 3 Copays for 90 Day Supply

Medical Plan Premiums (Pre-tax)

Employee cost per pay period (24 per year)

Effective January 1, 2025

	Blue Choice Select PPO 1124
Employee	$100.00
Employee + Spouse	$420.00
Employee + Child(ren)	$505.00
Family	$825.00

MDLIVE®

With MDLIVE®, you have access to a full suite of services for primary care and urgent care needs.

Getting sick is bad enough without having to get out of bed to see a doctor. With MDLIVE®, you and your family members can connect face-to-face with a board-certified doctor 24 hours a day, 7 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.

MDLIVE

Have Benefits Questions?

Colleen Rillie

Email: crillie@ahelpc.com

Phone: (815) 778-3683

Dental & Vision Benefits

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

Carrier: BlueCross BlueShield of Illinois

Eligibility: Employee scheduled 30+ hours per week

Waiting Period: First of the month following date of hire

Dental

Taking care of your oral health is not a luxury — it is a necessity to long-term optimal health. With a focus on prevention, early diagnosis and treatment, Dental insurance can greatly reduce your costs when it comes to restorative and emergency procedures.

DINHR33	In-Network
Deductible	$50 Single / $150 Family
Preventive & Diagnostic Deductible does not apply	100% / 0%
Basic	80% / 20%
Major	50% / 50%
Orthodontia Dependent children to age 19	50% / 50% $1,500 Lifetime Maximum
Maximum Annual Benefit	$1,500 Per Person

Dental Benefit Summary

Dental Plan Premiums (Pre-tax)

Employee cost per pay period (24 per year)

Effective January 1, 2025

Employee	$0.00
Employee + Spouse	$15.33
Employee + Child(ren)	$28.13
Family	$49.76

Vision Plan Premiums (Pre-tax)

Employee cost per pay period (24 per year)

Effective January 1, 2025

Employee	$0.00
Employee + Spouse	$2.69
Employee + Child(ren)	$2.99
Family	$5.79

Vision

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

	In-Network	Non-Network
Exam	$20 Copay	$45 Maximum Benefit
Single Vision Lenses	$20 Copay then paid at 100%	$30 Maximum Benefit
Bifocal Lenses	$20 Copay then paid at 100%	$45 Maximum Benefit
Trifocal Lenses	$20 Copay then paid at 100%	$60 Maximum Benefit
Lenticular Lenses	$25 Copay then paid at 100%	$95 Maximum Benefit
Frames	$20 Copay $120 Maximum Benefit	$40 Maximum Benefit
Elective Contact Lenses In lieu of frames & lenses	$20 Copay $120 Maximum Benefit	$100 Maximum Benefit
Frequency Exam/Lenses/Frames/Contacts	Once every 12 / 12 / 24 / 12 months

Vision Benefit Summay

Have Benefits Questions?

Colleen Rillie

Email: crillie@ahelpc.com

Phone: (815) 778-3683

Life & Disability Insurance

While no one likes to think about it, planning for your family’s financial security in the event of sickness, serious injury, or death is one of the greatest gifts you can give your loved ones.

Carrier: BlueCross BlueShield of Illinois

Eligibility: Employee scheduled 30+ hours per week

Waiting Period: First of the month following date of hire

Term Life and AD&D

GTL benefits are an additional benefit offered at no cost to you.

Benefit Amount: $50,000

Reduction Schedule: 65% of Benefit at Age 65

40% of Benefit at Age 70

15% of Benefit at Age 80

Accelerated Death Benefit: Up to 75% of Benefit

Waiver of Premium: Included

Life and AD&D Benefit Summary

Short Term Disability

STD benefits are an additional benefit offered at no cost to you.

Class 1: Administrators

Benefit Percentage: 66.67% of your basic weekly earnings

Benefits Begin: 15th day for Injury / 15th day for Sickness

Weekly Benefit: $1,000 Max

Benefit Duration: 11 Weeks

STD-Class 1 Benefit Summary

Class 2: Employees except Administrators

Benefit Percentage: 60% of your basic weekly earnings

Benefits Begin: 15th day for Injury / 15th day for Sickness

Weekly Benefit: $500 Max

Benefit Duration: 11 Weeks

STD-Class 2 Benefit Summary

Have Benefits Questions?

Colleen Rillie

Email: crillie@ahelpc.com

Phone: (815) 778-3683

Voluntary Benefits

Supplemental benefits allow you to select additional insurance coverage based on your needs. Explore the information below to learn more about the voluntary benefits available to you.

Eligibility: Employee scheduled 30+ hours per week

Waiting Period: First of the month following date of hire

Voluntary Benefits Overview

Voluntary Life Insurance

Life insurance helps protect your family’s finances by providing a cash benefit if you pass away. This ensures that they’ll be financially supported, and can cover important things from bills to funeral costs. With life policies, you can get affordable life insurance protection for a set period of time.

Voluntary Term Life is available in $50,000 increments to a maximum of $150,000.

Spouse and Child Benefits are available.

View the benefit summary for additional coverage information and cost illustrations.

VTL Benefit Summary

Voluntary Accident Insurance

Accident insurance is an extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury.

Helps with out-of-pocket expenses associated with covered accidents
Includes emergency care, surgical care, hospital care, specific injury care, and supportive care
No deductibles, copays, or networks - see any doctor
Guaranteed issue, no medical exam or tests.
Portable-coverage continues if you retire or change jobs, as long as you pay the premium

View the benefit summary for additional coverage information and cost illustrations.

Accident Benefit Summary

Voluntary Critical Illness Insurance

Critical illness insurance helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke.

Elect lump-sum benefit coverage of $10,000, $20,000, or $30,000
Benefits for heart attack, stroke, cancer, kidney (renal) failure, major organ transplant, and more
Guaranteed issue, no medical exam or tests.
Portable-coverage continues if you retire or change jobs, as long as you pay the premium

View the benefit summary for additional coverage information and cost illustrations.

CI Benefit Summary

Have Benefits Questions?

Colleen Rillie

Email: crillie@ahelpc.com

Phone: (815) 778-3683

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Welcome!

Medical, Dental & Vision Benefits

Life & Disability Benefits

Qualifying Events

Medical Benefits

Medical Plan Premiums (Pre-tax)

Dental & Vision Benefits

Dental

Dental Plan Premiums (Pre-tax)

Vision Plan Premiums (Pre-tax)

Vision

Life & Disability Insurance

Term Life and AD&D

Short Term Disability

Voluntary Benefits

Voluntary Life Insurance

Voluntary Accident Insurance

Voluntary Critical Illness Insurance