For the 2026 plan year we will offer a comprehensive major medical and prescription coverage plan to all of our benefit-eligible employees.
The Health Plan is offered by United Healthcare, a member focused carrier that provides easy access to your benefits through the UnitedHealthcare mobile app, 24/7 Advocate4Me line, and online Virtual Doctor Visits.
Our prescription coverage carrier will be OptumRx, a pharmacy benefit manager with the goal of helping employees lower their prescription costs and achieve better health outcomes.
We will continue to offer 3 comprehensive health plans with offerings ranging from employee to family coverage.
The Affordable Care Act, also known as “Health Care Reform”, requires employers to provide information regarding the new health insurance Marketplaces which allow individuals to purchase individual health insurance policies, often referred to as the “Exchange.”
It’s important that you, as an employee, understand how this new option may affect you and your family.
We encourage you to shop your benefits on the exchange & consider all of your available options to make the best decision possible.
On my left is a button that will take you directly to the Health Insurance Marketplace website.
Next, I want to explain some basics about the medical plan options offered. Because we offer more than one plan,
it is important to understand that most of the services covered under all the plan options are the same; however,
the amount of coverage (or dollar amount to be paid) may differ. Each plan has varying deductibles, co-payments, co-insurances, and annual maximum limits.
Deductibles are dollars paid directly by you, before the medical plan starts paying for a particular benefit, such as surgery.
Co-payments are amounts that you pay for, out of your pocket, when you seek qualifying services, such as office visits.
And co-insurance is the amount that you must pay, after the deductible, for a service.
All medical plans meet the federal standards requiring employers to offer minimum value coverage at an affordable level.
We encourage you to shop your benefits & consider all your available options to make the best decision possible.
Please take the time to carefully review the details of each plan so that you can make the decision that will best fit your specific needs.
To view the Schedule of Benefits for each of the plan options, click the button located to the left.