BENEFIT SHOWCASE

Welcome!

We know how important benefits are for you and your family. That's why we are committed to offering excellent, well-rounded options that protect your physical, mental, and financial health — and that of those you love. Our programs are designed to provide peace of mind in protecting your lifestyle and planning for the future.

Because choosing your benefits takes careful thought and planning, we created this Benefits Showcase to help you easily navigate and understand our offerings.

Please take some time to review the information and return to the site whenever you or your family members have questions or want to review our benefits.  

This Showcase will be available to you on demand throughout the year, so feel free to bookmark it.

How to Navigate

Use the navigation bar at the top of the page to learn more about each of your 2022 benefits. You can watch videos and view documents from each of Golden Entertainment benefits partners. Click a topic to learn more!

Benefit Questions?

Email: 

Phone: 

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

2022 Annual Benefits Enrollment

2022 Annual Benefits Enrollment Is Here! 

This year, we want to help you be the healthiest you – at work and at home. We offer a comprehensive benefits package that supports the overall health and well-being of you and your dependents.

This annual enrollment will be an ACTIVE ENROLLMENT, meaning EVERYONE will need to make elections or waive coverage. Current benefit elections for medical, dental and vision and FSA/HSA WILL NOT roll over to 2022. 

Annual enrollment will run from November 8, 2021 to November 22, 2021.

This is your opportunity to make elections, changes, and add or remove dependents.

What’s New For 2022!

• New Life & Disability Insurance Provider – Lincoln Financial
  - Voluntary Life, STD, & LTD are open to elect coverage up to the guarantee issue (GI) amount without completing an Evidence of Insurability (EOI) application.
• New FSA/HSA (Flexible Spending Accounts) provider – MyChoice Accounts
• New Team Member Assistance Program (EAP) Provider: Supportlinc. Now you can access care multiple ways, including Live Chat, Video Counseling, Textcoach, Face to Face, and more!
• New Vision Care provider: VSP
• New Pet Insurance provider: ASPCA

There will be minimal changes to our core benefits, including medical, dental and vision. Be sure to review the Benefits Enrollment Guide for details on all coverages available.

Once annual enrollment closes, you will not have an opportunity to change coverage, unless you experience a qualifying life event – like getting married, having a baby, or loss of other coverage. You will have 31 days from this event to make a change.   

Be sure to download the MyChoice Mobile App to make the enrollment process easy! Not only can you use the app to enroll, you can also upload copies of your insurance ID cards to always have at your fingertips, upload dependent documentation to your account, manage your FSA/HSA accounts, access your benefit summary, and so much more! 

You can pick up a copy of the 2022 Benefits Guide from your property's Benefits Center or HR Department. Also, you can login to the benefits portal or mobile app and view it online.

To complete the enrollment process, simply login to make your elections on the benefits portal at www.goldenentbenefits.com or on the MyChoice Mobile App. You can also enroll over the phone by calling 844-408-2579.

If you are enrolling dependents and we don’t already have a copy of the required documentation in the enrollment portal, you must provide a copy by November 30th. Acceptable forms of documentation include a marriage certificate for your spouse and birth certificates for your dependent children. 

Golden Entertainment is here to help you make educated choices about your healthcare coverage, reduce your out-of-pocket costs, and make the most of your benefits.

If you have any questions, please contact your Benefits Department. 

Benefit Questions?

Email: 

Phone: 

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Medical and Prescription

In this section, you can learn more about the coverage options available for medical and prescription plans.

Medical

Because we have a diverse population across the country, Golden Entertainment offers a combination of HMO, POS, PPO, and HDHP plans. As you go through the enrollment process, the plans you're eligible for will populate automatically for you to choose from.

You can click on the Benefit Summary link below to be taken to the Benefits Portal where you can view a summary of the plans you are eligible for. You can also view the Plan Comparison Chart in your Benefit Enrollment Guide.

HMO

With this plan, you're required to choose a primary care provider (PCP) and stay within a network of providers, urgent cares, and hospitals to receive coverage under the plan. You must receive referrals from your PCP before you visit a specialist or are admitted to a hospital, except in a qualifying emergency. There is also no out-of-network coverage under an HMO.

PPO

With a PPO medical plan, you have the choice of two benefit tiers: plan providers (in network) and non-plan providers (out of network). The PPO option offers a larger network of providers and specialists to choose from, including the UnitedHealthcare Choice Plus national network. Unlike an HMO, you do not need to designate a PCP and you do not need to obtain a referral to see a specialist.

POS

POS (Point of Service) plans are a combination of both the HMO and PPO plans. You have the ability to choose how you want to use your health plan based on three benefit tiers. With this plan, you have the freedom to switch between the tiers to take advantage of the cost savings on the HMO side and the flexibility of the PPO side. The POS option offers a larger network of providers and specialists to choose from, including the UnitedHealthcare Choice Plus national network.

HDHP

With an HDHP/HSA PPO (High Deductible Health Plan) you have a choice of two benefit tiers: plan providers (in network) and non-plan providers (out of network). The company funds $50 each month into your Health Savings Account (HSA). You can use the funds that accumulate in an HSA to pay eligible medical, dental, and vision expenses or to cover the expenses of meeting the deductible of the plan. Once your annual deductible is met, the plan provides coverage for eligible expenses through co-insurance. 

Urgent Care House Calls

Virtual Care

How To Read An EOB

Prescription Coverage

Prescription coverage is included when you enroll in medical coverage. Services are provided through Navitus Health Solutions, therefore, you'll receive a separate prescription card. We use a preferred network of pharmacies where you'll receive more favorable copays. The preferred pharmacies include: CVS, Target, Walmart, Sam’s Club and Smith’s Pharmacies (Kroger).

Participants have the freedom to choose a non-preferred pharmacy also within the Navitus network and pay a higher copay. Please refer to the Plan Summary or the Benefits Enrollment Guide for specific copays.

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Eligibility

Eligibility

Full-Time Status: All team members hired into full-time status are eligible to participate in Golden Entertainment’s benefit plans the first day of the month following 60 days of employment.

Part-Time Status: All variable-hour (PT, extra) team members will be offered medical coverage only if weekly hours worked during Golden Entertainment’s established 12-month Standard Measurement Period (SMP) averages 30+, as required by the Affordable Care Act (ACA). If you qualify, the Benefits Department will send you a notice of eligibility.

Status Changes: Team members who move from variable-hour (PT, extra) status to full time status, are eligible for coverage the first of the month following the status change, provided they have satisfied the initial 60 days of employment.

Eligible Dependents

Any dependent not meeting the eligibility requirements listed below is not an eligible dependent.

• Legally Married Spouse (includes same-sex marriages) - If your spouse is employed and eligible for coverage through their own employer, they are NOT eligible for medical coverage as a dependent on your plan, regardless of whether or not they enroll in their employer’s plan
• Child or stepchild up to age 26
• Child (up to age 26) who is legally adopted, placed for adoption or has legal custody by the team member, and children for whom healthcare coverage is required through a Qualified Medical Child Support Order (QMCSO).

For Dental benefits, your dependent children are eligible to the end of the year they turn age 23.  

For Medical, Vision, Life Insurance and certain voluntary coverages, dependents are eligible to the end of the month they turn age 26.

Dependent Verification

If you're enrolling a spouse or dependent child, you must provide proper documentation.

Spouse: a copy of your marriage certificate

If your spouse is employed and not eligible for their employer’s plan, they must obtain a letter from their employer stating they are not eligible for coverage.

Child: a copy of the child’s birth certificate (hospital or state/county issued) that indicates the names of the parents

Stepchild: a copy of the child’s birth certificate showing the relationship to the team member’s spouse and marriage certificate

Child who is legally adopted or is in the team member’s legal custody: a copy of legal adoption or placement documents or document granting custody from applicable court or government agency. If the document does not include the birthdate, provide a copy of the birth certificate.

A dependent child over the age of 26 may be covered if medically certified as disabled prior to their 26th birthday and is deemed incapable of self-support. Medical documentation required.

Documentation must be submitted by the enrollment deadline. If not received, the enrollment for the dependent(s) will be denied. You may submit documentation:

• Email at benefitsdept@goldenent.com
• Upload directly into the Benefits Portal
• Drop off in Human Resources

Life Events

Once you choose your benefit options, you're not eligible to change your elections until the next annual enrollment, unless you have a Qualifying Life Event. If you initially decline coverage you must wait until the next open enrollment period to enroll.

Qualified Life Events include:

• Marriage, divorce or legal separation
• Birth of a child, or placement of a child with you for adoption or foster care
• Death of a spouse or child
• Change in you or your spouse’s employment status
• Loss of other coverage
• Entitlement to Medicare or Medicaid
• Qualification by the plan administrator of a medical support order
• Financial hardship is not considered a qualifying life event for cancellation or changes to coverage.

You must provide proof of the qualified change within 31 days of the event, or you must wait until the next open enrollment period.

End Of Coverage

Coverage ends on the team member’s last day of employment or the effective date of a status change to a non-eligible position.

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Dental & Vision

Dental

Maintaining good oral hygiene is paramount to your overall health and wellness. That's why Golden continues to partner with Delta Dental, one of the nation's largest carriers, to provide our team members with affordable dental coverage.

You can choose between two plans, the Buy-Up or the Basic Plan. The Buy-Up Plan offers you $2,000 for covered services and the Basic offers $1,000. This amount is for each person you have covered. The Buy-Up plan offers orthodontia for dependent children only.

All diagnostic, preventative and periodontal services are not subject your annual plan maximum.

Vision

A vision plan can play an important part in keeping your eyes healthy and your vision clear. See healthy and live happy with help from VSP! With VSP, you’ll have the help you need to manage the health of your eyes.

We offer two plans to choose from. The Basic plan or the Buy-up. Both plans offer routine preventative exams and prescription eyewear (contacts or glasses or both). Please view the Plan Summary for more detailed plan information.

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Life and Disability

Life and AD&D Insurance

We understand you've worked hard to get where you are today. Ensuring your loved ones can maintain financial stability if an unexpected death should occur is something to consider when planning for the future.

Golden pays the full cost of your basic life and AD&D coverage for yourself, your spouse, and eligible dependent children.  

Salaried team members receive 1x your annual salary up to $200,000.  

Hourly team members receive a flat $15,000.

Dependent spouse receives $5,000.

Dependent children to age 26 receives $2,000.

Newly eligible team members (within their initial eligibility period) may elect voluntary coverage for themselves, their spouse, and dependent children up to the following amounts:

Team Member = $500,000/Guaranteed Issue $200,000

Spouse = 50% of Team Member Coverage/Guaranteed Issue $50,000

Dependent children to age 26 = $10,000

If you choose to enroll or increase your voluntary coverage outside of your initial eligibility period (excluding any special AE rules), you'll be required to submit an Evidence of Insurability (EOI) for approval. 

Please see the individual plan summaries for more detailed information.

Directors and above are subject to different maximums and conditions.

Short- and Long-Term Disability

How would you pay your bills if you were sick or injured? If you become disabled due to illness or injury (outside of work), you may be eligible to receive benefits that replace a portion of your income.

With disability coverage, you can concentrate on getting better, not how you are going to make ends meet.

Manager and above are subject to different maximums and conditions.

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Spending Accounts

What Is a Flexible Spending Account (FSA)?

A Health Care FSA is an employer-sponsored plan that allows you to deduct dollars from your paycheck and deposit them into a special account that’s exempt from federal income taxes. The money in a Health FSA can be used for eligible healthcare expenses that are incurred while you are participating in the plan.

Covers eligible out-of-pocket healthcare expenses, such as medical copays, coinsurance, prescription drugs, dental and vision costs. Available to you and any eligible dependents including your spouse, children and any other person who is a qualified IRS dependent. You may contribute from $50 to $2,750 per year

• Your entire 2022 election amount is available for immediate use. This is especially helpful for unexpected expenses. The Health Care and Dependent Care FSAs are two separate accounts. Money in the Health Care account cannot be used for Dependent Care and vice versa.
• The Plan Year is from January 1, 2022 to December 31, 2022. The total amount you elect will be divided by the number of paychecks you receive in a year.
• If you are hired mid-year, the deductions will be based on the remaining pay periods left in the plan year after your eligibility date.
• Claims can be incurred up through the grace period end date of 3/15/2023. After the grace period, any unused money in the FSA will be forfeited, so plan carefully.
• Your deductions are taken on a pre-tax basis, which could result in tax savings.

What Is a Dependent Care Flexible Spending Account?

A Dependent Care FSA is a pre-tax benefit account used to pay for eligible dependent care services. It’s a smart, simple way to save money, while taking care of your loved ones so you can continue to work. The Health Care and Dependent Care FSAs are two separate accounts. Money in the Health Care account cannot be used for Dependent Care and vice versa.

• Covers child and adult care expenses, such as preschool, summer day camp, before or after school programs, and child or adult daycare.
• Available for your children and/or elderly or disabled dependents.
• You may contribute from $50 to $5,000 per year
• You may use up to the total amount of contributions you have made at the time your claim is submitted.

The Plan Year is from January 1, 2022 to December 31, 2022. The total amount you elect will be divided by the number of paychecks you receive in a year. If you're hired mid-year, the deductions will be based on the remaining pay periods left in the plan year after your eligibility date. Claims can be incurred up through the grace period end date of 3/15/2023. After the grace period, any unused money in the FSA will be forfeited, so plan carefully. Your deductions are taken on a pre-tax basis, which could result in tax savings.

What Is a Health Care Savings Account?

A health savings account (HSA) works like an individual retirement account (IRA) that you own. It belongs to you and the money is yours to keep, even if you change jobs or retire. You don’t pay any taxes on the money you put in or take out, as long as you use it for medical expenses as defined by the IRS. Each time you have an expense, you decide whether to pay with money from your HSA. “Qualified Medical Expenses” are

determined by the US Treasury, 213(d) expenses, and detailed in IRS Publication 502.

With the election of Golden Entertainment’s High Deductible Health Plan (HDHP), you will automatically be set up in an HSA account and the company will contribute $600 annually. You can use the funds that accumulate in an HSA to pay eligible medical, dental and vision expenses or to cover the expense of meeting the deductible on your plan. Once your annual deductible is met, the plan provides coverage for eligible expenses through co-insurance.

Use your HSA for:

Medical expenses that your plan may not cover:

• Out-of-pocket expenses until you reach your deductible
• Copays, coinsurance, and prescription drugs
• Dental and vision care expenses not covered by your health plan

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Voluntary Benefits

Voya Hospital Confinement

Hospital Indemnity pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. How can Hospital Indemnity help?

Your Hospital Confinement Insurance benefit could be used for:

• Medical expenses, such as deductibles and copays
• Travel, food and lodging expenses for family members
• Childcare
• Everyday expenses like utilities and groceries

What Hospital Confinement Insurance benefits are available?

The Hospital Confinement Insurance includes:

• An initial admission benefit of $1,650 is payable for the first day you spend in the hospital.
• A daily benefit of $150 beginning on day two of confinement up to the maximum number of days listed below.

The daily benefit amount is determined by the type of facility in which you are confined.

Wellness Benefit

The annual benefit is $50 for completing a health screening test. The cost of the Wellness Benefit rider is not included within the Hospital Confinement Indemnity Insurance. Your spouse’s benefit amount is also $50. The benefit for child coverage is 50% with an annual maximum of $100 for children’s benefits.

Voya Critical Illness

Critical Illness Insurance pays a lump-sum benefit if you're diagnosed with a covered illness or condition. For what critical illnesses and conditions are benefits available?

Critical Illness Insurance provides a benefit for the following illnesses and conditions. 

What maximum benefit am I eligible for?

• For you: $5,000 to $30,000 in $5,000 increments
• For your spouse: $5,000 to $15,000 in $5,000 increments
• For your children: choice of $1,000, $2,500, $5,000 or $10,000

Wellness Benefit

The annual benefit is $75 for completing a health screening test. Your spouse’s benefit amount is also $75. The benefit for child coverage is 50% with an annual maximum of $50 for children’s benefits.

Voya Accident Plan

Accident Insurance pays you for specific injuries and events resulting from a covered accident while off the job. The amount paid depends on the type of injury and care received.

Below are a few examples of how your Accident Insurance benefits could be used:

• Medical expenses, such as deductibles and copays
• Home healthcare costs
• Lost income due to lost time at work
• Everyday expenses like utilities and groceries

Wellness Benefit

$50 Wellness Benefit - The Wellness Benefit Rider pays a benefit when a covered person has a health screening test.

Sports Accident Benefit - Pays an additional 25% of the Accident Hospital Care, Accident Care, or common injuries up to a maximum benefit of $1,000, if the covered accident is the result of an organized sporting activity.

MetLife Legal Plan

Quality legal assistance can be pricey and hard to find. MetLife Legal Plans gives you access to the expert guidance and tools you need to handle the broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft, creating a will, or caring for aging parents. You, your spouse, and dependents get legal assistance for some of the most frequently needed personal legal matters – with no waiting periods, no deductibles and no claim forms when using a network attorney for a covered matter.

Pet Discount and Prescription Plans

Pet Assure Veterinary Discount Plan

Established in 1995, Pet Assure is America’s Veterinary Discount Plan. As an alternative or addition to pet insurance, Pet Assure helps pet owners like you save on veterinary care. 

Search for a veterinarian at www.petbenefits.com/search. Pet Assure members save 25% at participating veterinarians on all in-house medical services including:

PetPlus Prescription Discount Plan

You receive members-only pricing on prescriptions and pet needs. PetPlus members save up to 50% on:

• Prescription Medications
• Vitamins & Supplements
• Food (Rx & Non-Rx)
• Flea & Tick Products
• Heartworm Preventatives
• Treats & Supplies

ASPCA Pet Health Insurance

With ASPCA Pet Health Insurance, you can choose the care you want when your pet is hurt or sick and have the comfort of knowing they have coverage.

Our coverage includes exam fees, diagnostics, treatments, and alternative therapies for:

• Accidents
• Cancer
• Behavioral Issues
• Illnesses
• Hereditary Conditions
• Dental Disease

Pick your annual limit! You set your annual coverage limit, with choices from $5,000 to unlimited.

Add preventive care! Get reimbursed a set amount for things that protect your pet from getting sick, like vaccines, dental cleanings, and screenings for a little more per month.

Select Accident-Only Coverage If you’re just looking to have some cushion when your pet gets hurt, you can change your coverage to only include care for accidents.

Allstate Identity Theft

Allstate Identity Protection plans are here to protect you and your family. Kid’s online identities can grow up faster than they do. Our family plan provides coverage for all ages, so you can help protect their personal data and give them a safe head start. If they're dependent on you financially or live under your roof, they’re covered. Other items they monitor are:

• Check your identity health score
• View and manage alerts in real time
• Receive alerts for cash withdrawals, balance transfers and large purchases
• Get reimbursed for fraud related losses
• Monitor social media accounts
• See if your IP address has been compromised

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Employee Assistance Program

Coming January 2022

Your EAP provides emotional well-being and work-life balance resources for you and your family.  The SupportLinc program provides confidential, professional guidance to address emotional health and work-life balance concerns. Access support whenever, wherever is most convenient for you.

SupportLinc offers expert guidance to help address and resolve everyday issues.

In-the-moment support

Reach a licensed clinician by phone 24/7/365 for immediate assistance.

Financial expertise

Planning and consultation with a licensed financial counselor.

Convenience resources

Referrals for child and elder care, home repair, housing needs, education, pet care and so much more.

Confidentiality

SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law.

Your web portal

• The one-stop shop for program services, information and more.
• Discover on-demand training to boost well-being and life balance.
• Find search engines, financial calculators and career resources.
• Explore thousands of articles, tip sheets, self-assessments and videos.

Textcoach®

Personalized coaching with a licensed counselor on mobile or desktop.

Animo

Self-guided modules to improve focus, well-being, emotional fitness, and more!

Short-term counseling

Access in-person or video counseling sessions to resolve concerns such as stress, anxiety, depression, relationship issues, work-related pressures, or substance abuse.

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

401(k)

Golden Entertainment, Inc. offers a comprehensive 401(k) Retirement Plan through Prudential Retirement.

Plan Eligibility

If you are a full-time team member and at least 21 years of age, you'll become eligible to participate the first of the month following six months of employment. Part-time team members are eligible the first of the month following one year of employment.

All members of a collective bargaining contract (Union team members) are excluded unless it states otherwise in the contract.

Vesting Schedule

Vesting on Employer Match contributions is subject to a five-year vesting schedule:

1 Year               20%

2 Years             40%

3 Years             60%

4 Years             80%

5 Years             100%

401(k) Plan Contributions & Limits

Team members can contribute between 1% and 75% of their eligible compensation on a pre-tax or Roth after-tax basis, up to the annual IRS limit ($20,500 in 2022). If you're age 50 or older, you’re eligible for an additional “catch-up contribution" ($6,500 for 2022). You can change how much you're contributing at any time.

Company Match and Vesting

Golden Entertainment, Inc. offers a discretionary annual company match equal to 25% of your contributions up to the first 4% with a $500 annual cap. You must be employed on December 31st, the last day of the plan year, to be eligible to receive the match. The match dollars will be deposited into your account during the second quarter of the following year.

Vesting refers to the portion of your account you're eligible to keep should you leave the organization. While you're always 100% vested in the value of your own contributions to the plan, the employer-matching contributions are subject to the above timeline.

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST

BENEFIT SHOWCASE

Other Resources

Medicare

SGIA is a trusted Medicare partner who works with employers across the country and who has been working with Golden Entertainment’s team members for several years. Their goal is to provide you with knowledge about your options and help you understand how Medicare can supplement or replace a group health plan. They've helped thousands of people nationwide.

They offer personalized guidance and work with you one on one to understand your individual needs and concerns. They believe

each individual should have Medicare coverage that fits their specific lifestyle.

• Their services are NO COST to you
• There is no obligation and your private information remains confidential
• They work with all national and regional insurance companies
• They work in all areas of Medicare, including prescription and supplemental plans
• They will provide you with personalized plan options, enrollment assistance, and ongoing support. 

They make navigating the world of Medicare easy, so you can have peace of mind knowing you made the best decision for you and your health needs.

Medicaid

Do you know you may qualify for FREE health insurance? Have you tried enrolling in Medicaid? Medicaid offers a comprehensive health plan with no co-pays for most services, no deductible, dental, and vision coverage. Benestream has Medicaid enrollment specialists that can assist you over the phone to see if you qualify. There is no cost to you for their services.

If you think you may qualify, click on the link and complete a short list of questions. 

Contact Us: 877-223-1432

Additional Information

Building An Emergency Fund

Building Your Credit Score

How To Budget Your Expenses

529 College Savings Account

Benefit Questions?

Email:

Phone:

Monday through Friday between 9am and 5pm PST