Insurance Benefits

Our company values health & wellness – that’s why we offer premium health insurance coverage to all employees on a guaranteed, full-time contract! Enrollment is easy and you are covered on your very first day on the job.

Health Insurance
Dental Insurance
Life Insurance

Coverage Highlights

Enrollment is retroactive to the first day of employment
No referrals necessary
Minimal co-pays on doctor visits and prescriptions
Extensive network of providers nationwide

Health Insurance - Carrier: Blue Cross Blue Shield

Network Benefits	Coverage Details
Gatekeeper (Are referrals required?)	No
Deductible/Family Deductible	$3,000/$6,000
Office Visit Co-Pay	$30 Primary Care Physician Co-Pay $50 Specialist Co-Pay
ER – Services Co-Pay	$250 Co-Pay
Prescription Co-Pay	$10 Generic $35 Preferred Name Brand $50 Non-preferred Name Brand

Dental Insurance- Carrier: Lincoln Financial Group

Dental Plan Features

Freedom to choose any dentist, including specialists
PPO options available
No referrals required

Services	Coverage Details
Gatekeeper (Are referrals required?)	No
Routine Dental Cleanings, Fluoride Treatments, Sealants, Bitewing X-rays	100%
Fillings, Extractions, Panoramic X-rays	Deductible then 80% coinsurance
Endodontics, Complex Oral Surgery	Deductible then 50% coinsurance

Find a Dentist - Lincoln Financial Website: www.lfg.com

Life Insurance - Carrier: Lincoln Financial Group

Network Benefits	Coverage Details
Guarantee Issue Limit	All amounts
Life Insurance Benefit	$15,000
Accidental Death and Dismemberment Benefits	$30,000