• Employees eligible for 4% employer contribution, 3% guaranteed

  • Employer contributes 3% to all accounts

  • 1%  of Employee contributions are matched by employer

• All 401K contributions are vested immediately​

• Traditional and Roth 401K options are available

• Early withdrawals are subject to regular income taxes and a 10% penalty

• 401K funds can be withdrawn without penalty at the age of 59.5

Optima Gold HMO​

• Covers Preventative Care at 100%

• All PCP office visits are covered with a $25 copay

• Specialist office visits are covered with a $50 copay

• Employee pays 30% for most other procedures after the annual deductible

• 2018 Deductible:$2000 Individual $4000 Family

• $15 Copay for T1 generic prescriptions

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Optima Silver HMO HSA

• Covers Preventative Care at 100%

• 10% Copay for PCP office visits after deductible

• 10% Copay for specialist office visits after deductible

• 2018 Deductible: $2700 Individual, $5400 Family

• Plan can be coupled with HSA to make deductible costs tax free

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Health Savings Account

• Health care premiums and deductibles are tax deductible if charged to an HSA card

• 2017 Limits: $3400 individuals, $6750 family

• Health costs can include items such as gym membership and some drug store items

Preventative Care Covered at 100%

• Oral Exams (once/6 mos.) 

• X-Rays (Full-mouth series once/60 mos.) 

• Fluoride Treatment (to age 19, once/6 mos.) 

• Sealants (to age 16, once/36 mos.)

• Space Maintainers/Harmful Habit Appliances

Basic procedures covered at 100% with 
$50 Copay

• Fillings with Repair

• Maintenance of Crowns

• Bridges & Dentures with General Anesthesia

Major procedures covered at 60% with 
$50 Copay

• Bridges & Dentures

• Endodontic Services (eg. Root Canal) 

• Implants with Single Crowns 

• Complex Extractions 

• Perio Maintenance Procedure (once/6 mos.) 

• Periodontal Services (eg Scaling)

• Annual service visits covered at 100% with $10-$20 copay.

• Frames Servicing covered every other Calendar year.

• Non elective glasses and contact cost covered at 100% after $10-$20 copay.

     Short Term 

• Pays 70% of salary up to 1K a week​

• If claim is approved, benefits can be paid 8 days after injury/illness onset diagnosis

• Benefits can be paid for a maximum of 12 weeks
   

​Long Term

• Pays 60% of salary up to $6K a month​

• If claim is approved, payment can be made 12 weeks after injury/illness diagnosis

• Disability claims are paid until they are no longer needed at the age of 65

• 50K plan for all employees subsidized by employer 100%

• Reliant Employees who refer candidates that become employees receive a $5000 bonus

•  $3000 of bonus is paid out after new hire has been on board for 90 days 

• Two bonus payments of $1000 is paid out after new hire hits the 1 and 2 year employment marks