Our Benefit Plans

Available Plan Options

Medical

UnitedHealthcare HMO 30/40/500

The HMO Plan offers comprehensive coverage at a low out-of-pocket cost to you and your family. The primary objective of an HMO is to have only one physician coordinate a patient’s care through the HMO network of physicians, medical offices and hospitals. Under this plan, you MUST choose a Primary Care Physician (PCP) and a medical group from the Anthem network. If you do not, Anthem will assign a PCP and medical group to you.

UnitedHealthcare HMO 25/40/20%

The HMO Plan offers comprehensive coverage at a low out-of-pocket cost to you and your family. The primary objective of an HMO is to have only one physician coordinate a patient’s care through the HMO network of physicians, medical offices and hospitals. Under this plan, you MUST choose a Primary Care Physician (PCP) and a medical group from the Anthem network. If you do not, Anthem will assign a PCP and medical group to you. This plan is similar to the HMO 30/40/500, except you will trade reduced benefits for reduced price.

UnitedHealthcare EPO 20/20/250

The exclusive provider organization, or EPO, is a health insurance plan that only allows you to get health care services from doctors, hospitals, and other care providers who are within a certain network. Your insurance will not cover any costs you get from going to someone outside of that network. The only exception is that emergency care is usually covered. 

UnitedHealthcare PPO 500/20/20/10%

TheUnitedHealthcare PPO plan also offers you the freedom to go in and out of the network for care. You may use a PPO provider whose negotiated rates provide richer levels of benefits, with claim forms filed by the provider. You may also obtain services outside the PPO network; however, you will incur higher out of pocket expenses and you are responsible for filing claims.

UnitedHealthcare PPO 1000/35/35/20%

The UnitedHealthcare PPO plan offers you the freedom to go in and out of the network for care. You may use a PPO provider whose negotiated rates provide richer levels of benefits, with claim forms filed by the provider. You may also obtain services outside the PPO network; however, you will incur higher out of pocket expenses and you are responsible for filing claims. This plan is similar to the PPO 500/20/20/10%, except you will trade reduced benefits for reduced price.

Dental

UnitedHealthcare DHMO

The UnitedHealthcare DHMO provides dental care through a network of dentists. There are no deductibles, plan maximums, or claim forms. You must select an UnitedHealthcare Primary Care Dentist to receive covered dental care or a referral to a specialist. Services are covered on a co-payment basis.

UnitedHealthcare DPPO

The UnitedHealthcare DPPO covers a wide range of dental services. You have the freedom to go in and out of network for care. You may visit a DPPO Dentist and benefit from the reduced contracted fee resulting in less out of pocket expense. You may also visit an out of network Dentist, where services will be based on a reasonable and customary amount and you will be responsible for any amount owed after insurance has paid.

Vision

UnitedHealthcare Vision Plan

The UnitedHealthcare vision plan provides professional vision care and high quality lenses and frames through a broad network of optical specialists.

Life and AD&D

Mutual of Omaha Basic Life and AD&D

Life insurance is an affordable way to help you provide financial security for your loved ones. We provide coverage that is both comprehensive and affordable for you and your family. This benefit is 100% company paid.

Mutual of Omaha Voluntary Life and AD&D

Voluntary Life/AD&D Insurance provides additional coverage for Employees who want to supplement their group life and accidental death and dismemberment (AD&D) insurance benefits through Mutual of Omaha. When you enroll yourself or you and dependents in this benefit, you pay the full cost through payroll deductions.

Disability

Mutual of Omaha Voluntary Short Term Disability

The Voluntary STD plan provides you with disability income benefits for disabilities resulting from a non-occupational injury or illness.

Mutual of Omaha Long Term Disability

The LTD plan is designed to provide you with a reasonable level of income replacement in case you can no longer work due to a disability.

EAP

Mutual of Omaha EAP

We provide ALL employees and their families with an Employee Assistance Program (EAP) through Mutual of Omaha. The EAP offers confidential, professional counseling assistance and a 24-hour hotline seven days a week and provides support for a wide variety of personal, family and financial issues.

FSA

Navia Health Care FSA

We use Navia as our Flexible Spending Account (FSA) partner. If you elect to enroll, you can set aside pre-tax dollars to pay for eligible health, dental and vision care expenses.

Navia Dependent Care FSA

We use Navia as our Dependent Care Flexible Spending Account (FSA) partner. If you elect to enroll in the dependent care FSA, you may set aside up to $5,000 pre-tax per year for your dependents’ child care expenses.

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