Benefits

*All medical benefits have a waiting period of the first of the month following the 60th day of employment.

*Medical insurance is available to all employees who work 30 or more hours per week.

*Supplemental Insurance is available through Aflac.

United Health Care - PPO $3,000 Copay

Employee Cost Per Paycheck (biweekly) for plan year 2018-2019

Calendar Year Deductible

Employee Only – $235.73
Employee/Children – $501.40
Employee/Spouse – $633.06
Employee/Family – $942.63

United Health Care – PPO

Deductible – $3,000 individual / $6,000 Family

Office Copay – $15/$50/$100

Preventive Care – Plan pays 100% deductible and copays waived when in-network.  Plan pays 50% after deductible out-of-network.

Coinsurance – Plan pays 80% after deductible when in-network.  Plan pays 50%after deductible when out-of-network.

ER – $300 Copay

Out of pocket – $3,000/$6,000 (In-Network)

Pharmacy – $20/$40/$75

Pharmacy – $20/$50/$85/$250

United Health Care - PPO $5,000

Employee Cost Per Paycheck (biweekly) for plan year 2018-2019

Calendar Year Deductible

Employee Only – $163.47
Employee/Children – $433.26
Employee/Spouse – $595.94
Employee/Family – $888.64

 

United Health Care – PPO

Deductible – $5,000 individual / $10,000 Family (In-Network) $10,000 individual/ $20,000 Family (Out of Network)

Office Copay – $15/ $50/$100

Preventive Care – Plan pays 100% deductible and copays waived when in-network.  Plan pays 50% after deductible out-of-network.

Coinsurance – Plan pays 80% after deductible when in-network.  Plan pays 50%after deductible when out-of-network.

ER – $300 Copay

Out of pocket – $5,000/$10,000 (In-Network)

Pharmacy – $20/$40/$75

United Health Care - HDHP

Employee Cost Per Paycheck (biweekly) for plan year 2018-2019

Calendar Year Deductible

Employee Only – $83.44
Employee/Children – $368.75
Employee/Spouse – $462.34
Employee/Family – $721.17

United Health Care – HDHP

Deductible – $6,350 individual / $12,700 Family (In-Network)

Office Copay – 100% after deductible / No out of network benefits.

Preventive Care – Plan pays 100% deductible and copays waived when in-network. No out of network benefits.

Coinsurance – Plan pays 100% after deductible when in-network.

ER – Plan pays 100% after deductible when in-network

Out of pocket – $6,350/$12,700 (In-Network)

Pharmacy – Plan pays 100% after deductible.

Life Insurance

CHH offers FREE life insurance to all full time employees.

We also have additional coverage for children and spouse, rates vary depending on coverage.

Benefit Amount – $30,000

Proof of Good Health – Proof of good health is required for life insurance amounts greater than: If you are under 70: $30,000.  If you are 70 and older: The lesser of $30,000 or the amount with the prior carrier.

Age Reductions – 35% benefits reductions at age 65, with an additional 15% reduction at age 70.  age reductions apply to the benefit amount after proof of good health.

Individual Purchases Rights – If you terminate employment, you may be able to convert coverage to an individual policy.

Coverage Outside of the US – Benefits will not be paid if you are outside the US for certain reasons for more than six months.

Dental Insurance

Employee Cost Per Paycheck (biweekly) for plan year 2016-2017

Employee Only – $15.48
Employee/Children – $29.78
Employee/Spouse – $27.58
Employee/Family – $43.58

Dental Select

Calendar Year Deductible

Deductible – $50 Individual / $150 Family
Calendar Year Max – $2500.00
Waiting Period – None
Preventive – 100%
Basic – 80%
Major – 50%
Ortho for children – 50% up to $1000

Vision Insurance

Employee Cost Per Paycheck (biweekly) for plan year 2016-2017

Employee Only – $4.14
Employee/Children – $7.88
Employee/Spouse – $8.29
Employee/Family – $12.45

Dearborn

Exams – $10 copay – one exam every 12 months

Prescription Glass Lenses- $25 copay – one pair every 12 months
Prescription Glass Frames – $130 allowance for a wide selection of frames – one set every 12 months
Elective Contacts – $150 allowance for elective contacts – one set every 12 months