Medical Benefits:

• Plan has an Individual deductible (2 deductible family maximum)
• Co - Pay In-Network Physician, Co - Pay Specialist, Out-of-Network - Deductible
• In-Network In-Patient Hospital Stay, Out of Network Hospital Stay
• Emergency Room Co-Pay / Urgent Care Co-Pay
• It also includes a Life Insurance Policy for the employee only (Free of Charge)

Pharmacy Benefits:

• Pharmacy Benefits - Individual Deductible (3 deductibles per family)
• Pharmacy Benefits - Co-Pays

Voluntary Life Insurance:

• Voluntary term-life insurance is available for employees and dependents.
• Cost varies per age group and amount of coverage.

Dental Insurance:

Dental Insurance is available to all full time employees. The cost is dependent upon the plan selected. A plan sheet can be requested from the insurance department dental insurance details.

Vision Insurance:

• Vision insurance is available at an additional cost.

Disability Insurance:

• This insurance provides coverage for off-the-job injury and illness.
• Short - Term Disability
• Long - Term Disability

Cafeteria Plan:

• This benefit allows you to pay for benefit premiums before taxes. These taxes are eliminated and not deferred. All federal, state and FICA taxes are eliminated. ? Disability Insurance? This insurance provides coverage for off-the-job injury and illness. Coverage begins on the first day of disability due to injury, and the eighth day of disability due to illness. Our Short-Term disability pays for thirteen weeks with a weekly maximum and Long-Term disability pays approximately to the age of 65.

AFLAC (Voluntary Insurance Coverage)

• Personal Accident Expense Plan
• Personal Cancer Protector Plan
• Personal Recovery Plus
• Personal Hospital Intensive Care Insurance
• Voluntary Indemnity Plan
• Life Assurance