×

Medical Coverage Details

Spectrum Bronze 7000 with Gap Insurance

Comprehensive medical coverage through Spectrum Health utilizing 90 Degree Benefits as your Third Party Administrator and First Health as the PPO Network.

Key Features

• Health Plan Deductible: $7,000 Individual / $14,000 Family
• Gap Deductible (with gap insurance): $2,100 Individual / $4,200 Family
• Co-insurance: 100% after deductible
• Out-of-Pocket Maximum: $7,000 Individual / $14,000 Family
• ACA Preventive Services: 100% covered in-network

Office Visits

• Primary Care: $5 copay
• Specialist: $50 copay
• Urgent Care: $50 copay
• Emergency Room: $1,000 copay (waived if admitted)

Bi-Weekly Premiums

Coverage Tier	Non-Tobacco	Tobacco User
Employee Only	$67.65	$97.65
Employee + Spouse	$335.00	$365.00
Employee + Child(ren)	$275.00	$305.00
Employee + Family	$430.00	$460.00

Prescription Drug Coverage

Managed by Elixir Rx Solutions with Partners Health Alliance (PHA) sourcing:

• Generic: $15 copay
• Preferred Brand: $0 copay when sourced through PHA / $50 copay otherwise
• Non-Preferred Brand: $0 copay when sourced through PHA / $100 copay otherwise
• Specialty: Sourced through PHA at no cost to employee

×

Dental & Vision Coverage

Beam Dental Plan

Innovative dental coverage with smart toothbrush rewards through Beam Benefits.

Coverage Highlights

• Preventive & Diagnostic: 100% in-network
• Basic Services: 100% after deductible
• Annual Maximum: $1,250 (with rollover potential up to $1,250)
• Family Deductible: $150/year

Beam Perks Program

Use the smart Beam Brush to earn rewards and potentially lower your group's premiums at renewal! Members receive a free smart toothbrush, custom toothpaste, and free shipping.

Dental Premiums (Bi-weekly)

Coverage Tier	Cost
Employee Only	$7.61
Employee + Spouse	$15.21
Employee + Child(ren)	$21.55
Family	$29.16

VSP Vision Plan

• Exam: Covered every 12 months
• Lenses: Every 12 months
• Contacts (instead of glasses): Every 12 months
• Materials Copay: $25
• Contact Lens Allowance: $150
• Frame Allowance: $70 (out-of-network reimbursement)
• Additional pair discount: 20% savings on unlimited additional pairs

Vision Premiums (Bi-weekly)

Coverage Tier	Cost
Employee Only	$2.52
Employee + Spouse	$5.12
Employee + Child(ren)	$5.58
Family	$8.63

×

Life & Disability Insurance

Employer-Paid Basic Life Insurance

Sunset Farm Foods provides life insurance coverage at no cost to eligible employees (20+ hours/week).

• Coverage includes Accidental Death & Dismemberment (AD&D)
• Premium waiver benefit available
• Accelerated death benefit for terminal illness

Voluntary Life Insurance

Additional coverage available in $10,000 increments up to $300,000.

Sample Monthly Rates (per $1,000 of coverage)

Age	Rate
Under 30	$0.124
30-34	$0.136
35-39	$0.194
40-44	$0.276
45-49	$0.428
50-54	$0.677
55-59	$1.063
60-64	$1.557

Dependent Life Options

• Spouse: $5,000 increments up to $25,000 or 50% of employee amount (whichever is lower)
• Children: Available when employee has coverage

Short-Term Disability (STD)

Employer-paid for employees working 30+ hours/week

• Benefit: 60% of weekly income, up to $850/week
• Elimination Period: 1st day for accident, 8th day for illness
• Maximum Duration: 13 weeks

Long-Term Disability (LTD)

Employer-paid for salaried employees and hourly supervisors (30+ hours/week)

• Benefit: 60% of monthly earnings, up to $7,500/month
• Elimination Period: 90 days
• Maximum Duration: Until Social Security normal retirement age

×

Supplemental Benefits

Whole Life Insurance (Allstate Benefits)

Permanent life insurance with cash value accumulation. Coverage remains in force until age 121 with premiums fully paid-up at age 95.

• Guaranteed rates for life
• Cash value builds over time
• Can borrow against policy
• Portable if you leave employment

Accident Insurance

Cash benefits for accidental injuries on or off the job, 24/7 coverage.

Accident Insurance - Bi-Weekly Premiums

Coverage	Option 1	Option 2
Employee	$8.32	$12.54
Employee + Spouse	$17.94	$24.10
Employee + Child(ren)	$19.30	$26.16
Family	$23.30	$31.86

Option 1 vs Option 2 Benefits

• Option 1: Accidental Death $40,000 / Common Carrier $200,000
• Option 2: Accidental Death $60,000 / Common Carrier $300,000
• Hospital Confinement: $200/day (Option 1) or $300/day (Option 2)
• Includes coverage for fractures, dislocations, burns, lacerations, and more

Critical Illness Insurance

Cash benefits if diagnosed with covered critical illnesses including heart attack, stroke, cancer, and more.

Critical Illness - Bi-Weekly Premiums

Coverage	Option 1 ($10,000)	Option 2 ($20,000)
Employee	See rates	See rates
Employee + Spouse	Based on age	Based on age
Employee + Child(ren)	Spouse gets 50%	Spouse gets 50%

Covered Conditions

• Heart Attack (100% of benefit)
• Stroke (100% of benefit)
• Invasive Cancer (100% of benefit)
• Major Organ Transplant (100% of benefit)
• End Stage Renal Failure (100% of benefit)
• Coronary Artery Bypass (25% of benefit)
• Wellness Benefit: $50/year

Cancer Insurance

Comprehensive coverage for cancer treatment expenses and 29 specified diseases.

Cancer Insurance - Bi-Weekly Premiums

Coverage	Option 1	Option 2
Employee	$9.20	$15.08
Employee + Spouse	$14.02	$24.06
Employee + Child(ren)	$13.00	$21.86
Family	$17.80	$30.84

Key Benefits

• Hospital Confinement: $200/day
• Radiation/Chemotherapy: $10,000 per year
• Surgery: Up to $3,000 depending on procedure
• Option 2 includes $10,000 Initial Cancer Diagnosis benefit
• Option 2 includes Intensive Care benefit ($600/day)
• Wellness Benefit: $50/year

×

Wellness Resources

Teladoc - 24/7 Virtual Care

Access doctors and specialists anytime, anywhere at $0 copay.

Services Available

• General Medical ($0 copay): Speak to licensed doctors by phone or video 24/7
• Mental Health ($0 copay): Talk to therapists 7 days a week
• Dermatology ($0 copay): Upload photos and get treatment plans within 2 business days
• Neck and Back Care ($0 copay): Guided videos with certified health coaches
• Expert Medical Services ($0 copay): Second opinions on diagnoses and treatments
• Nutrition ($0 copay): Work with registered dietitians for personalized meal plans

How to Access

• Download the Teladoc app from your app store
• Visit Teladoc.com online
• Call 1-800-835-2362

Additional Wellness Benefits

• Travel Assistance: Support when traveling
• Identity Theft Protection: Monitoring and resolution services
• Estate Planning: Digital vault services
• Wellness Rewards: Earn rewards through various benefit programs