DECIDE

Take some time and review the many new choices, programs and resources available to help keep you and your family healthy. See your guide for details.

Medical Plans

You have access to various benefit choices for you and your family — including three medical options designed to help you manage your health and budget. Understanding your choices is the first step to making a decision that will help you and your family for the next calendar year.

Prescription Drugs

When you enroll in a medical plan, you receive prescription drug coverage. Your copays are based on the type of drug and where you purchase your prescription. To lower your costs, request generics or use a ShopRite pharmacy or Spotswood mail order for maintenance medications.


Dental

You may choose any licensed dental provider through our dental plan. However, you benefit from discounted fees when you use in-network providers.






Vision

Our vision plan is provides you with both In-Network and Out-of-Network benefits. To receive the maximum benefit available under our plan, you would choose an in-network provider and they will coordinate all of your vision care needs.


Life Insurance                 

Associates are eligible for 1.5 times their annualized salary in basic life insurance. You can purchase additional financial protection for their family at very competitive prices (subject to the insurer’s underwriting approval).




Long-Term Disability

Long-term disability benefits provide you with a portion of your salary in the event you become disabled and cannot work. If you are rendered disabled by a licensed physician, for 90 days or more, you can apply and be considered for the LTD benefit.




Flexible Spending Accounts

Your contributions are made with pretax dollars from your pay — before federal income taxes and Social Security taxes are calculated. As a result, your taxable income is lower, so you pay less taxes in each paycheck. Then, when you have an eligible expense, you reimburse yourself with tax-free money from your account.


Voluntary Benefits

We are proud to offer innovative insurance products such as Automobile, Homeowners, and Pet Insurance. Enroll at any time throughout the year for these insurance products. MetLife Legal Plan provides legal expertise for both events such as buying or selling a home, starting a family, dealing with identity theft, caring for aging parents, and more!

Feature Basic Managed Care Plan Managed Care Plan HCRA Plan
Comparison to Marketplace Bronze Silver Silver Plus
In-Network preventative care covered at 100% Yes Yes Yes
Well-being resources and special programs Yes Yes Yes
Provider network Aetna Open Access Managed Care Aetna Managed Care POS Aetna Open Access Managed Care
(Aetna Health Fund)
Use of in- and out-of-network providers Yes Yes Yes
Must select a Primary Care Physician (PCP) No Yes No
PCP referrals needed for specialty care No No No
HCRA Funded N/A N/A Yes
In-network deductible Yes Yes Yes
Out-of-pocket maximum for in-network care $6,000 single
$12,000 family
$4,750 single
$9,500 family
$4,600 single
$9,200 family
(after HCRA fund)