Medical & Pharmacy Benefits
Eligibility
Employees who are regularly scheduled to work 30 hours per week are eligible to enroll in the Brattleboro Food Co-Op’s medical plan. Coverage begins on the first of the month following two months of qualifying employment.
Benefit Details
The Brattleboro Food Co-Op offers eligible employees two medical plans to choose from through CBA Blue. Each plan has varying levels of deductibles, out-of-pocket maximums, and prescription coverage.
Weekly Contributions
Prime Therapeutics – Prescription Program
The prescription drug benefit attached to the medical plan will provide you access to a retail pharmacy network managed by Prime Therapeutics.
- A drug formulary is a list of covered drugs, and each pharmacy benefit manager (like Prime Therapeutics) has their own formulary.
- On Prime Therapeutics’s formulary, specific cost tiers are assigned to each category of covered drug – generic, preferred, and non-preferred.
- Be sure to check the Prime Therapeutics formulary for any prescription drugs that you currently take to ensure that they are covered.
- Pharmacies that are in network include Walgreens, Rite Aid and Walmart. You can view a full list of in-network providers on Prime Therapeutics’s member portal website.
Contact Information
www.primetherapeutics.com/member
1-800-424-5768
To view your plan’s formulary, go to web.primetherapeutics.com/member/documents and click on “View the Accord™ Formulary Drug List – 2024.”
Summary of Benefits and Coverage (SBC)
Additional Plan Information & Forms
Care Coordination Benefits
Eligibility
Employees who are enrolled in the medical plan are eligible to enroll in the HealthJoy program. Coverage begins on the first of the month following two months of qualifying employment.
Benefit Details
HealthJoy is the virtual access point for all of your healthcare navigation and employee benefits needs. HealthJoy is provided at no cost to you through your CBA Blue medical plan. The program connects you and your family with the right benefits at the right moment in your care journey, saving you time, money, and frustration.
With 24/7 access to a dedicated healthcare concierge team, visits, and care navigation tools, you never have to walk alone. HealthJoy helps you locate in-network doctors, find extra savings on your prescriptions, and navigate your benefits. Their mobile app and dedicated member support team are always on hand to help you maintain your health and wellness.
How to Enroll
If you did not receive an activation e-mail and text message, you can download the mobile app at www.healthjoy.com/download or by scanning the QR code below:
- Sign up and create password
- Add family members
- Activate!
Care Coordination Benefits
Eligibility
Employees who are enrolled in the medical plan and who have been diagnosed with cancer are eligible to enroll in the CancerCARE program. Coverage begins on the first of the month following two months of qualifying employment.
Benefit Details
Brattleboro Food Coop has partnered with your CBA Blue medical plan to bring you CancerCARE, an additional benefit that provides care coordination services for members diagnosed with cancer. They are your cancer advocates and will work tirelessly to support you and your dependents through this difficult time.
CancerCARE is available to help you from the day of your diagnosis and beyond. You can register for the program at any point in your cancer journey to gain access to these services.
Once you are part of the program, a dedicated nurse will be with you every step of the way. This nurse will be available to answer any questions you might have as well as receive ideal treatment.
Through CancerCARE, you will have access to some of the best doctors, hospitals, and technology nationwide. They will work with your local oncologist to make sure all treatment options are considered, not just local ones.
CancerCARE’s staff has decades of experience treating cancer, and they stay up-to-date with the latest cancer treatments and technology to bring you the best care.
Flexible Spending Accounts
Employees may contribute pre-tax dollars into flexible spending accounts to help offset eligible medical expenses or dependent care expenses. These plans are administered by TASC. Employees are eligible to enroll in a flexible spending account if they are scheduled to work 30 hours per week. Benefits begin on the first of the month following two months of qualifying employment.
General Purpose Flexible Spending Account (FSA)
Funds from a general purpose FSA can be used for qualified expenses including deductibles, co-payments and coinsurance. With an FSA, the entire elected amount is available on the first day of the health plan year.
2024 Contribution Limits:
- Minimum contribution: $100
- Maximum contribution: $3,200
- Rollover amount: $640
Dependent Care Reimbursement Account (DCA)
A dependent care FSA allows employees to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, elderly care or other dependent care.
2024 Contribution Limits:
- Minimum contribution: $100
- Maximum contribution: $5,000 (if single or married & filing jointly) or $2,500 (if married & filing separately)
- No rollover amount
You can view a list of FSA & DCA eligible expenses on the TASC Resource Center
Please note: Balances of $640 or less in the FSA will automatically be rolled over for use in the immediate year to follow. Any remaining funds in the current year in excess of $640 will be forfeited.
Eligibility for FSA & DCA accounts ends immediately upon termination of employment with Brattleboro Food Coop. If you do not use all of your FSA funds by your date of termination, you will lose the remaining balance. You will have 90 days from your termination date to submit claims for reimbursement; you can only be reimbursed for claims rendered prior to your eligibility end date.
Contact Information
Customer Service: (800) 422-4661
https://www.tasconline.com/mytasc-login/
Forms and Other Plan Information
FSA Store
Brattleboro Food Coop has entered into a partnership with Health-E Commerce, also known as the FSA Store. This gives you access to hundreds of products that have been pre-vetted & approved for use with your Flexible Spending Accounts.
Did you know you could use your FSA/HSA to save money on everyday health essentials like baby health items, health trackers, pain relief products and more?
Here are just a few benefits of using the FSA Store:
- No Receipts Needed
- 2,500+ FSA Eligible Products
- 100% Eligibility Guaranteed
- Skip the claims process when you use your FSA card
This partnership also allows access to their Caring Mill products. Caring Mill is a line of premium healthcare products that support a healthy lifestyle and on average is priced 30% less than branded equivalent products.
With every Caring Mill purchase, a donation is made to Children’s Health Fund, providing necessary treatments to thousands of children in need, throughout the United States.
Curious what your FSA dollars can cover? Simply enter the product you are looking for in the eligibility list below.
Dental Benefits
Eligibility
Employees who are regularly scheduled to work 30 hours per week are eligible to enroll in the Brattleboro Food Co-op’s dental plan through Northeast Delta Dental. Coverage begins on the first of the following two months of qualifying employment.
Benefit Details
Employees are offered a dental plan option that is designed with a $2,000 calendar year plan maximum per person up to $4,000.
Benefits include coverage for preventive services as well as fillings, root canals, crowns, implants and orthodontia for both children and adults.
Weekly Contributions
Plan Documents
Contact Information
(800) 832-5700
Health Through Oral Wellness (HOW) Program
A healthy mouth is part of a healthy life, and Northeast Delta Dental’s innovative HOW works with your dental benefits to help you achieve and maintain better oral wellness. HOW is all about you because it’s based on your specific oral health risk and needs. Best of all, it’s secure and confidential. Here’s how to get started:
1. Register
Go to www.healththroughoralwellness.com and click on “Register Now”.
2. Know Your Score
After you register, please take the free oral health risk assessment by clicking on “Free Assessment” in the Know Your Score section of the website.
3. Share Your Score With Your Dentist
The next step is to share your results with your dentist at your next dental visit. Your dentist can discuss your results with you and perform a clinical version of the risk assessment.
EyeMed – Vision Discount Program
This vision discount program is available free to all Northeast Delta Dental subscribers and their dependents.
GREAT SAVINGS – UP TO 35% OFF EYEWEAR
Choose from any available frame including quality name-brand products such as Brooks Brothers®, Ann Klein®, Vogue® and more at provider locations.
With EyeMed Vision Care, Northeast Delta Dental members have access to over 71,000 vision care providers nationwide at 27,000 locations including optometrists, ophthalmologists, opticians, and the nation’s leading optical retailers
It’s easy! To request your discount, simply present your Delta Dental member ID card or the flyer you can find on the EBC when you arrive at the provider office or location. Your EyeMed provider will take care of the rest!
To learn more about the EyeMed Vision Care Discount Plan, please visit our website at NortheastDeltaDental.com.
Vision & Hearing Program Information
Additional Plan Documents
Vision Benefits
Eligibility
Employees who are regularly scheduled to work 30 hours per week are eligible to enroll in the VSP vision plan. Coverage begins on the first of the month following two months of qualifying employment.
Benefit Details
To find a VSP provder in your area, call VSP at 800-877-7195 or go to www.vsp.com and select the VSP signature network of providers.
VSP does not send out insurance cards. You simply give your social security number at time of service.
Benefits include coverage for exams, lenses, and contacts each year and eyeglass frames every other year. The plan also includes discounts on sunglasses, laser vision correction, and hearing aids.
Weekly Contributions
Plan Documents
Additional Plan Information
TruHearing
TruHearing® is making hearing aids affordable by providing exclusive savings to all VSP® Vision Care members. You can save up to $2,400 on a pair of hearing aids with TruHearing pricing. What’s more, your dependents and even extended family members are eligible, too.
Here’s how it works:
1.Call TruHearing at 877-372-4040. You must mention VSP
2.Schedule exam with a local provider through TruHearing
3.Attend Appointment
Best of all, if you already have a hearing aid benefit from your health plan or employer, you can combine it with this program to maximize the benefit and reduce your out-of-pocket expense.
Learn more about this VSP Exclusive Member Extra at https://www.truhearing.com/vsp/?mid=121
Eyeconic
Your vision and wellness come first with VSP. Your benefit includes Eyeconic, an eyewear store for VSP members.
More Bang for Your Buck at www.eyeconic.com
If you shop online for glasses and contacts, you’ll get more value on Eyeconic like
- Lowest match price guarantee
- Average savings of $220
- Up to $120 savings on an annual contact lens supply
- 20% of additional pairs of glasses or sunglasses
- HSA & FSA accepted
Group Term Life & Voluntary Life Benefits
Eligibility
Employees who are regularly scheduled to work 30 hours per week are eligible for Group Term Life AD&D and Voluntary Life AD&D coverage.
Benefit Details
Basic Life Insurance and Accidental Death & Dismemberment (AD&D)
Brattleboro Food Co-op provides Group Term Life and AD&D insurance through Mutual of Omaha.
- Coverage is $25,000.
- AD&D insurance has an equal amount to your Basic Life Insurance amount.
- Coverage amounts reduce by 35% at age 65, and to 50% of the original amount at age 70.
- Employees will have $1.00 deducted per pay for Basic Life & AD&D coverage. The Brattleboro Food Co-op covers the remaining premium on your behalf.
- Employees have the option of waiving Basic Life Insurance coverage at the time of enrollment.
Voluntary Life & AD&D Insurance
Employee:
Employees may purchase voluntary life insurance on themselves, in $10,000 increments, to a maximum of five times their basic annual earnings, not to exceed $500,000.
Employees are guaranteed coverage up to $100,000 when initially enrolling (newly eligible) without having to complete an Evidence of Insurability (EOI) form (medical questionnaire).
Spouse:
Employees may purchase coverage on their spouse in $5,000 increments, to a maximum of $250,000, up to 100% of the employee’s benefit.
Spouse coverage is guaranteed up to $30,000 when becoming initially eligible without having to complete an EOI form.
Child:
Employees may purchase coverage on their dependent child(ren) in increments of $1,000 to a maximum of $10,000
Accident & Critical Illness Benefits
Eligibility
Employees who are regularly scheduled to work 30 hours per week are eligible for Voluntary Accident and Voluntary Critical Illness.
Benefit Details
Voluntary Accident
Brattleboro Food Co-op provides Voluntary Accident insurance through Mutual of Omaha.
- Provides a cash benefit from injuries sustained from an accident, on or off the job. This benefit can be elected for employees, spouses, and children.
- Employees must elect coverage for themselves first before electing coverage for spouse and children.
Voluntary Critical Illness
- Employees may purchase coverage on themselves or their spouse in increments of $10,000 to a maximum of $50,000 (up to 100% of employee amount); up to $30,000 is guaranteed if elected at time of hire.
- Children can be covered at up to 25% of employee amount, up to $10,000. CI pays an annual benefit of $75 for receiving a health screening test.
401(k) Retirement Savings Plan
Eligibility
| You are eligible to make your own contributions when you are age 21 and have 3 months of service with at least 20 hours. You are eligible to receive the employer match when you are age 21 with 1 year of service. |
Plan Details
| The Brattleboro Food Co-op offers a 401(k) plan to employees through Voya Financial. Voya offers a wide selection of investment options and excellent online technology to help you better plan for retirement. Basic plan details are listed below and outlined in more detail in the Summary Plan Description. |
Plan Documents
Flyers
Retirement Plan Advisors
Need Advice?
If you have questions about the plan, you can email HelpRetire@therichardsgrp.com to receive assistance from The Richards Group’s retirement plan advisors.
SmartConnect: Medicare Navigation
Medicare is very complex and it is important that you have an advocate who can provide you the proper Medicare education and guidance.
There are different paths you can choose in Medicare plans and it can be very time consuming and difficult to filter through these options yourself. It is important that you find the appropriate plan in your area that best fits your medical needs and is within your financial budget.
SmartConnect is a free resource that will simplify the Medicare approach by providing you the needed education, plan evaluation and enrollment assistance.
Your Employee Assistance Program (EAP)
Eligibility:
All Brattleboro Food Co-Op employees are eligible to participate.
As a Brattleboro Food Co-Op employee you and your eligible dependents automatically have access to the Employee Assistance Program (EAP) through Invest EAP.
No enrollment is necessary. It is offered at no charge to the employee and their family members and provides a valuable resource for support and information during difficult times, as well as consultation on day-to-day concerns.
EAP is an assessment, short term counseling and referral service designed to provide you and your family with assistance in managing everyday concerns. EAP offers confidential clinical help for everyday people with everyday problems.
Some areas that Invest EAP can provide assistance with are:
- Family & Relationships
- Financial & Legal Problems
- Alcohol & Drug Use
- Childcare & Eldercare
- Depression & Anxiety
- Grief & Loss
- Stress & Work-Life Balance
This program is strictly confidential and your privacy is protected by law. With only a few obvious exceptions your confidentiality is protected. Nobody from work or your family can find out if you’ve accessed any part of the EAP program and no reports are made to your employer except aggregate utilization reports that do not identify individuals.
Contact Information
Contact Invest EAP 24/7 at
(800) 287-2173
A call to Invest EAP puts you in immediate touch with Master’s or Doctoral level counselors, 24 hours a day. The counselors will explore your questions and concerns, and will provide information and/or referrals to meet your needs