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
Magellan Rx – Prescription Program
The prescription drug benefit attached to the medical plan will provide you access to a retail pharmacy network managed by Magellan Rx Management.
- A drug formulary is a list of covered drugs and each pharmacy benefit manager (like Magellan) has their own formulary.
- On Magellan Rx’s formulary, specific cost tiers are assigned to each category of covered drug – generic, preferred, and non-preferred.
- Be sure to check the Magellan Rx formulary for any prescription drugs that you currently take to ensure that they are covered
- Pharmacies that are in network include Brattleboro Pharmacy, Hotel Pharmacy, Walgreens, Rite Aid and Walmart. You can view a full list of in-network providers on Magellan Rx’s member portal website.
Contact Information
Summary of Benefits and Coverage (SBC)
Summary Plan Description
Additional Plan Information & Forms
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.
- Minimum contribution: $100
- Maximum contribution: $3,050
- Rollover amount: $610
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.
- 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 $610 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 $610 will be forfeited.
Contact Information
Customer Service: (800) 422-4661
https://www.tasconline.com/mytasc-login/
Forms and Other Plan Information
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 MetLife.
- 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 up to a maximum of $500,000 (whichever is less).
Employees are guaranteed coverage 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 $100,000 (not to exceed 50% of the employee amount).
Employees may elect coverage up to $25,000 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
401(k) Retirement Savings Plan
Eligibility
| Beginning 1/1/2023, you are eligible to make your own contributions when you are age 21and 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
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.
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