Regular full time employees are eligible to participate on the first day of the month following 90 days of continuous employment. Medical coverage includes medical, prescription and vision combined into one plan. Medical coverage is available for Employee Only or Family. Employee contributions are made through payroll deduction.

Group Medical Insurance - Plan through Anthem Blue Cross Blue Shield

• $500 in-network/$1,000 out-of-network calendar year deductible for Employee Only Coverage
• $1,000 in-network/$2,000 out-of-network calendar year deductible for Family Coverage
• $25 Co-pay in-network; 50% Co-pay out-of-network for office visits
• $300 deductible and 20% Co-pay in-network, 50% Co-pay out-of-network hospitalization
• Mental health benefits
• Weekly Medical Premiums - $30.50 Employee Only /$88.00 Family

Prescription Drug Insurance – Included with Group Medical

• $100 annual deductible per member (not including injectable drugs)
• $15 generic/$30 brand/$50 non-formulary in-network, 50% Co-pay out-of-network
• $4,000 per member annual maximum
• Direct mail Rx available

Vision Insurance – Included with Group Medical

• No calendar year deductible
• Avesis network of vision care providers
• Exams are covered in a consecutive 12 month period
• Frames are discounted to wholesale plus 40%
• Lenses are discounted 20% when a complete pair of glasses is selected
• Contact lenses exams and materials are discounted 20%

Dental Insurance - Available Separately

• $50 Employee Only/$150 Family annual deductible
• MetLife network of dental providers
• No deductible on Diagnostic/Preventative services
• General/Restorative covered at 80%
• Specialty covered at 50%
• $1,000 life time maximum Orthodontia coverage for children
• $1,500 per member in-network annual maximum, $1,000 per member out-of-network annual maximum
• Weekly Dental Premiums - $3.15 Employee Only/$8.80 Family

Short-Term Disability – Voluntary Plan through Jefferson Pilot

• 50% of base pay, up to maximum weekly benefit of $600
• Maximum benefit period is 11 weeks, following a 14 day elimination period

Long-Term Disability - Voluntary Plan through Jefferson Pilot

• 60% of base pay, up to maximum monthly benefit of $5,000
• 90 day elimination period
• 2 year and 5 year benefit plans available

Group Term Life – Free benefit for all full-time employees

• Basic life insurance is $15,000 for drivers
• Convertible

Supplemental Life/AD&D – Voluntary Plan through AIG

• Additional life insurance is available in $15,000 units up to a maximum of $60,000
• Participants in supplemental life/AD&D may also purchase dependent coverage
• Portable or Convertible

401(k) Plan - Administered through A.G. Edwards

• Four enrollment dates: Jan. 1, Apr. 1, Jul. 1, Oct. 1
• Employees may contribute up to 75% of their salary (subject to IRS limits)
• Self-directed investment options
• Company match of 25% of the first 5% you contribute
• Graduated vesting schedule, fully vested after 5 years

Flexible Spending Plan – Administered by ADP

• Premium Conversion
• Allows you to pay your medical and/or dental premiums on a pre-tax basis
• Health Care FSA
• Allows pre-tax deferral for unreimbursed medical expenses
• Flex “Convenience Card” - $2,500 maximum annually
• Dependent Care FSA
• Allows pre-tax deferral for child or dependent care expenses
• $5,000 maximum annually

Company Stock Purchase Plan – Adminstered through A.G. Edwards

• Minimum purchase $20 monthly, maximum $25,000 annually
• Shares are purchased at end of each month
• You can increase or decrease your contribution level on a quarterly basis
• You can stop your contributions at any time, however funds collected for that month will be held and used to purchase shares at the end of that month
• Shares may be sold at any time by contacting AGEdwards

Whole Life Insurance Plan – Voluntary Plan through UNUM Provident

• Interest-Sensitive Whole Life earns guaranteed interest
• Portable
• Advanced Benefit Rider available
• Child Term Rider available
• Long Term Care is automatically added to any policy of $10,000 or more
• Dependent coverage also available

Critical Illness – Voluntary Plan through UNUM Provident

• Pays a lump sum benefit upon diagnosis of a covered critical illness
• Employee picks a face amount from $5,000-$50,000 in $1,000 increments
• Dependent coverage also available

Accident Plan – Voluntary Plan through UNUM Provident

• Assist with out-of-pocket expenses, co-pays, deductables
• Pays benefit check directly to you
• No health questionaire required
• Dependant coverage available