Health Insurance
Once your application for insurance has been accepted, coverage will become effective on the first day of the month following two calendar months of employment with the company. (For example, with a hire date of February 14, coverage becomes effective May 1.)
- Brief Description of Coverage
The Plan provides comprehensive hospital and major medical insurance coverage. Participants can choose to go to PPO or non-PPO providers of medical services. When using a PPO provider, participants will pay a lower percentage of the co-insurance, a lower deductible, and a lower annual maximum co-insurance amount.
- Prescription Drug Benefits
The company provides a prescription drug card plan as part of the health benefit program.
Employees have up to 31 days from their employment date in which to elect health coverage. Once made, the election is generally fixed until the next open enrollment period as designated by the company. However, if undergoing a family status change (as defined in the Plan document), the employee may make a mid-year change in coverage (for example, the employee may change coverage from individual to family or from family to individual, add or delete dependents or revoke coverage), provided this is done within 31 days from the date of the change in family status. It is the employee's responsibility to contact the company's Benefits Representative to determine if a family status change qualifies under the Plan document and IRS regulations and to make a change in coverage.
Dental Insurance
Once your application has been accepted, coverage will become effective on the first day of the month following two calendar months of employment with the company. (For example, with a hire date of February 14, coverage becomes effective May 1.)
- Brief Description of Coverage
Participants will pay a percentage of the co-insurance and deductible based on the type of procedure performed.
Employees have up to 31 days from their employment date in which to elect dental coverage. Once made, the election is generally fixed until the next open enrollment period as designated by the company.
Vision Insurance
Once your application has been accepted, coverage will become effective on the first day of the month following two calendar months of employment with the company. (For example, with a hire date of February 14, coverage becomes effective May 1.)
- Brief Description of Coverage
Participants have nationwide access to numerous vision care providers. It is to the employee's advantage to use a designated provider of services to receive maximum benefits.
The employee is automatically provided the annual examination benefit and does not need to sign an application form. However, employees desiring additional coverage for themselves or dependents, as described in the Plan Description, have up to 31 days from their employment date in which to elect additional vision coverage. Once made, the election is generally fixed until the next open enrollment period as designated by the company.
