My Benefits 2022
Your Medical Benefits
Eligibility
Employee-owners who are regularly scheduled to work a minimum of 20 hours per week on a continuing basis are eligible to participate on the first of the month following or coinciding with their date of hire.
Temporary employees who are scheduled to work a minimum of 20 hours per week are eligible on the first of the month following 90 days of service.
Benefit Details
KAB offers three medical plans through Blue Cross Blue Shield of Vermont (BCBSVT). Below you will find a plan comparison chart that can help assist you in choosing the plan that best suits your needs.
The Preferred Provider Organization (PPO) plans offer coverage both in and out of network. This plan requires co-payments for most office visits and medications. Deductibles and co-insurance are charged for the most hospital stays, surgeries, diagnostic testing and imaging services. However, certain preventive services are covered at 100% without any cost sharing.
*If you are covering anyone else on your plan, the deductible for the additional family members is double the employee only amount. All office visit copays and deductible expenses count toward your maximum out of pocket limit.
The Consumer Directed Health Plan (CDHP) also offers coverage in and out of network. This plan requires deductibles and co-insurance for most services and medications. However, certain preventive services and medications can be at no cost to members, even before the deductible has been met. These plans are federally qualified as High Deductible Health Plans (HDHP).
*If you cover anyone else on your plan, the deductible is double the employee only amount. The full deductible for multiple members must be met before the insurance starts to cover services (other than certain preventive services), even if this means the entire deductible is incurred by services for one person on the plan.
Bi-Weekly Contributions
Amwell Telemedicine
Blue Cross and Blue Shield of Vermont (BCBSVT) now partners with Amwell, a nationally acclaimed telemedicine vendor, to provide you with services 24/7, wherever you are. This service is available via the Amwell app or by phone. Please note that by state law, doctors may not write prescriptions for patients consulted by phone.
Download the app today by visiting the Apple App Store or Google Play Store! If you have any questions about how the service works, please feel free to contact Amwell at (855) 818-3627.
* Cost of Service will be provided when visit is scheduled
Curious what conditions can be treated by Telemedicine. Check out the list below for the Top 10 Conditions for members using Telemedicine.
Top 10 Conditions for members using Telemedicine:
- Sinus Infection
- Upper respiratory infection
- Bronchitis
- Urinary tract infection
- Sore throat
- Pinkeye
- Influenza
- Cough
- Allergies
- Asthma
Contact Information
Phone: (800) 247-2583
Open 7am- 6pm EST
Please click here for the BCBSVT Provider Directory
Please click here for the BCBSVT Formulary Drug List
Summary of Benefits and Coverages
Summary Plan Description
Medical Riders
Transparency in Coverage
By clicking on the button below, you will be led to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
Additional Plan Information
To get the most up to date list of approved pharmacy drugs please click on the button below:
Personal Medication Coach with a Pharmacist
This program is from Blue Cross and Blue Shield of Vermont.
To learn more about this free service please view this quick 2-minute video explaining further. All those staff members (and family members) who carry BCBSVT insurance and live in Vermont are eligible. Contact Keri LeCompt KMLeCompte@express-scripts.com to schedule your personal coach session. Please complete the following documents and send to Keri.
Dartmouth Health Connect
Dartmouth Health Connect
Dartmouth Health Connect is a primary care practice located in Hanover, NH available for employees or dependents age 18 and over who are enrolled in the KAB medical plans. Please note: if you are in the Bronze Plan, you will need to waive your HSA to be eligible for Dartmouth Health Connect.
The Dartmouth Health Connect team works together to offer patients exceptional care including:
- More time with physicians to meet your individual needs
- Shorter wait time for appointments
- A full care team dedicated to your well-being, which includes a doctor, health coach, and as needed, a behavioral health specialist
- Available by phone, email, video, and text
- 24/7 access to a doctor & same day appointments for acute needs
- $0 copay for patients who are insured through King Arthur Baking
Employee 2022 Rate Overview
- $10 per paycheck if the employee-owner’s income is less than $70,000
- $15 per paycheck if the employee-owner’s income is $70,000 or more
- Available with Gold and Silver Plans
- Available with Bronze if you do not elect an HSA
For more information, visit www.dartmouthhealthconnect.com
Contact Information
www.dartmouthhealthconnect.com
Phone: 603-738-1164 (Current Patients)
| MONDAY | 9:00am – 5:00pm |
| TUESDAY | 9:00am – 5:00pm |
| WEDNESDAY | 10:00am – 5:00pm |
| THURSDAY | 9:00am – 5:00pm |
| FRIDAY | 9:00am – 5:00pm |
Your Health Savings Account Benefits
Eligibility
Employee-owners who are enrolled in the Bronze Plan (CDHP)
Health Savings Account Information
What is a Health Savings Account?
A Health Savings Account or HSA is a tax-advantaged savings account owned by an individual that can be used to pay for qualified medical expenses for the owner and their dependents. An HSA, which must be paired with an HSA-qualified health plan (the Bronze Plan), allows employees to make pre-tax contributions into a federally-insured account. HSA balances earn tax-free interest, roll over from year to year and can be invested to accelerate growth.
All the money in an HSA is owned by the employee even if they leave their job, lose their qualifying coverage or retire. The money in an HSA never expires. All remaining HSA funds roll over each year.
HSA Eligibility
To be eligible for an HSA, an employee must:
1.Be enrolled in a qualified High Deductible Health Plan (HDHP) (ie. Bronze Plan)
2.Not be claimed as a dependent on another’s tax return
3.Not be enrolled in Medicare
4.Not be insured under any other medical plan that is not a HDHP
5.Have not received VA benefits (Medical or Rx) during that past 3 months
HSA Qualified Expenses Include but are not limited to:
Acupuncture
Alcohol and drug addiction treatment
Eyeglasses, contact lenses and exams
Smoking cessation
Dental treatment
Diagnostic tests and devices
Doctors visits
Prescriptions
Operations/surgeries
Physical Therapy
A full listing of qualified Expenses can be found on the IRS website. https://www.irs.gov/publications/p502
Employee Contributions Limits
Employees may make contributions through payroll deduction subject to IRS limits.
Contact Information
http://www.healthequity.com/hsalearn
Phone: 866-346-5800
Hours: 24 hours/ 7 days a week
Additional Information
Your Flexible Spending Account Benefits
King Arthur Baking Company offers three different types of flexible spending accounts. Employees may contribute pre-tax dollars into these accounts to help offset eligible medical expenses or dependent care expenses. The plans are administered by CsOne.
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: $2,850
- Rollover amount: $570
- Available with Gold and Silver Plans
- Available with Bronze if you do not elect a Health Savings Account (HSA)
Limited Purpose Flexible Spending Account (LPFSA)
- Minimum contribution: $100
- Maximum contribution: $2,850
- Rollover amount: $570
- Only available with the Bronze Plan if you do elect HSA
- This account will cover your out of pocket expenses for dental and vision ONLY
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
For a list of eligible FSA expenses visit: http://www.csone.com/FSA-Eligible-Expenses.pdf
For a list of eligible DCA expenses visit: http://fsafeds.com/explore/dcfsa/expenses
The General Purpose Flexible Spending Account (FSA), Dependent Care Reimbursement Account (DCA) and Health Savings Account (HSA) pay period deductions do not carry-over from year to year. You must elect your contribution amount each year in ADP.
Please note, balances of $570 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 $570 will be forfeited.
Contact Information
Customer Services: 1(888)227-9745 ext. 2040
Department Hours: Monday – Friday 8:00am – 4:30pm
Email: flexiblebenefits@csone.com
Forms and Other Plan Information
Your Dental Benefits
Eligibility
Employee-owners who are regularly scheduled to work 20 or more hours per week on a continuing basis are eligible to participate on the first of the month following or coinciding with their date of hire.
Benefit Details
Employee-owners are offered two comprehensive dental plan options through Northeast Delta Dental. A Basic Plan with a $750 calendar year plan maximum per person and an Enhanced Plan with a $2000 calendar year plan maximum per person.
KAB employee-owners may see any provider to receive your dental care. However, if you select a dental provider who is part of the Delta Dental PPO or Delta Dental Premier network, you will receive dental services at a negotiated rate that will typically be less than outside the network and may also receive higher reimbursement rates.
Benefits include coverage for preventive services as well as fillings, root canals, crowns, implants and orthodontia for both children and adults.
Bi-Weekly Contributions
Plan Documents
Contact Information
(800) 832-5700
Additional Plan Information
Health Through Oral Wellness (HOW)
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.
EYE MED
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 Programs from Delta Dental
Helpful Videos from Delta Dental
Additional Plan Documents
Your Vision Benefits
Eligibility
Employee-owners who are regularly scheduled to work 30 or more hours per week on a continuing basis are eligible to participate in this benefit on the first of the month following or coinciding with their date of hire.
Benefit Details
Employee-owners are offered a Vision Plan through VSP.
To find a VSP provder in your area, call VSP at 800-877-7195 or look online at 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.
VSP Additional Programs
VSP Laser Vision Care
Do you know what is covered under your vision plan?
- Treatment for eye pain, or conditions like pink eye are covered.
- Tests to diagnose sudden vision changes
- Pictures of your eyes to detect and track eye conditions
- Exams to monitor cataracts
- Retinal Screenings
Find out if laser surgery is right for you. Your VSP coverage can save you an average of 15% off the regular price.
1.Visit www.vsp.com to get details about the program, learn what to expect during surgery, and to locate a VSP Laser VisionCare doctor.
2.Confirm your eligibility before scheduling an appointment by calling 800-877-7195
3.Call you VSP Laser VisionCare doctor to verify that they participate in the program
4.Schedule a complimentary screening.
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
Bi-Weekly Contributions
Plan Documents
Additional Plan Information
Your Group & Optional Life Benefits
Eligibility
Employee-owners who are regularly scheduled to work 30 or more hours per week on a continuing basis are eligible to participate on the first of the month following or coinciding with their date of hire.
Benefit Details
Basic Employee Life Insurance and Accidental Death & Dismemberment (AD&D)
King Arthur Baking provides Basic Life and AD&D insurance through Reliance Standard. The benefit is provided at no cost to eligible employee-owners:
- Life insurance equal to two times your annual salary to a maximum of $200,000
- AD&D insurance equal to two times your annual salary to a maximum of $200,000
Employer Provided Life Insurance and Imputed income
IRS rules allow employers to provide up to $50,000 of life insurance to employee tax-free. However, the IRS requires that employer subsidized life insurance coverage over $50,000 be taxed. The taxable cost of the coverage over $50,000 is known as “imputed income” equals the estimated cost that the IRS assumes you would pay to purchase an individual policy in the same amount as your employer-subsidized coverage over $50,000. If you have imputed income on your life insurance coverage, it will be added to the taxable earnings reported on your paycheck.
Benefits payable under employee basic life insurance are reduced by 35% when the employee turns 65, an additional 23% at age 70, and an additional 15% at age 75.
Employee Optional Life Insurance
You may purchase optional life insurance in $10,000 increments to a maximum of five times your annual salary or $300,000, whichever is less.
If you enroll in this benefit when you first become eligible, then you may elect up to $100,000 without providing evidence of insurability. If you elect an amount above the guarantee issue amount or if you decide to enroll or increase your coverage after your initial eligibility date, you will be required to provide evidence of insurability.
Benefits payable under employee optional life insurance are reduced by 35% when the employee turns 65, an additional 23% at age 70, and an additional 15% at age 75.
Spouse Optional Life Insurance
You may purchase life insurance for your spouse, in $5,000 increments to a maximum of $100,000. If you enroll in this benefit when you first become eligible you may elect up to $30,000 without providing evidence of insurability for your spouse. If you elect an amount above the guaranteed issue amount or if you decide to enroll or increase spousal coverage after your initial eligibility date, your spouse will be required to provide evidence of insurability.
To elect this coverage, you must elect optional coverage for yourself. The maximum spousal life amount may not exceed 100% of the optional employee coverage.
The benefit payable under the spouse coverage is reduced by 35% when the employee turns 65 and will terminate when the employee reaches age 70 or retirement, whichever comes first.
Child Optional Life Insurance
You may purchase coverage for your eligible dependent children. The benefit is equal to $250 for children aged 14 days to 6 months, and $10,000 for children aged 6 months to age 19 or age 25 if a full time student at an accredited educational institution. To elect coverage for your children, you must elect optional coverage for yourself.
Your Accident Benefits
Eligibility
Employee-owners who are regularly scheduled to work 30 or more hours per week on a continuing basis are eligible to participate on the first of the month following or coinciding with their date of hire.
Benefit Details
King Arthur Baking offers employees the option of enrolling in a Voluntary Accident plan.
Voluntary Accident Insurance provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare.
Employees can choose from 2 different plans – Plan A or Plan C. A complete list of covered services can be found on the Employee Benefit Center.
Examples of lump sum benefits payable (for Plan A) include: $100 for ambulance (ground) ; $150 for emergency room treatment; $100 for a concussion.
Bi-Weekly Contributions
Your Critical Illness Benefits
Eligibility
Employee-owners who are regularly scheduled to work 30 or more hours per week on a continuing basis are eligible to participate on the first of the month following or coinciding with their date of hire.
Benefit Details
King Arthur Baking offers employees the option of enrolling in a Voluntary Critical Illness plan.
Voluntary Critical Illness Insurance provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can cause heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare.
Employees can choose to cover themselves from $5,000 to a maximum of $30,000 in $1,000 increments. Employees can choose to cover their spouse from $5,000 to a maximum of $30,000 in $1,000 increments (no to exceed 100% of the approved employee amount. Dependent child(ren) can be covered at 25% of the approved employee amount up to a maximum of $7,500
Employee per pay period contribution amounts are based on the employee’s age for both employee and spouse coverage.
Bi-Weekly Contributions
Medicare Resource: SmartConnect
The Richards Group has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether an employee plans to continue working or is transitioning to retirement, we tailor solutions designed around their needs. Our agents provide an unfiltered view of the entire range of options and prices available to the employee.
SmartConnect Contact Information
For more information or to get started, please click on the following link: https://gps.smartmatch.com/therichardsgroup
Additional Information
Your Employee Assistance Program (EAP)
Eligibility:
All employee-owners are eligible to participate.
As a King Arthur Baking 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
1-866-660-9533
Password: KAF
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
Additional Information
Your Tuition Reimbursement Benefits
Enrollment Changes & Eligibility
Changing Elections
Benefit elections you make when you become newly eligible for benefits or at open enrollment remain in effect through December 31 of the plan year, unless you experience a qualifying life event.
You may make changes to your medical, dental, vision, health care reimbursement account and dependent care reimbursement acount elections if you experience a qualifying event such as:
- Marital status change
- Dependent status change
- Employment status change affecting eligibility or cost
- Address change that changes eligibility for benefits
- Eligibility change related to Medicare, Medicaid or state Child Health Insurance Plan (CHIP)
Any changes you make must be “due to and consistent with” your qualifying event, and the consistency requirements vary depending on the type of qualifying event. Human Resources will determine whether a requested change is due to and consistent with a qualified change in status. Contact HR for more information regarding qualfiying events and what changes can be made for each event.
To make changes, please see HR as soon as possible as you only have 30 days of the qualifying event (or 60 days if the event is an eligibility change related to Medicaid or CHIP as described in “Special Enrollment Rights” below.
Special Enrollment Rights
Certain qualifying events come with legal rights known as Special Enrollment Rights and those rights are described below.
If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance coverage (or if the employer stops contributing towards your or your dependents’ other coverage), you may in the future be able to enroll yourself or your dependents in the medical plan, provided that you request enrollment within 30 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.
If you and/ or your dependents are covered under Medicaid or a state Child Health insurance Program (CHIP) and lose eligibility for such coverage, you may be able to enroll yourself or your dependents in the medical plan, provided that you request enrollment within 60 days after the loss of coverage. Likewise, if you and/ or your dependents become eligible for Medicaid or CHIP premium assistance, you may be able to enroll yourself or your dependents in a health insurance program, provided that you request enrollment within 60 days after the date you are determined to be eligible for premium assistance.
Changes to HSA Elections
You do not need a qualifying event to change your HSA contribution amount. You may make changes to your HSA at any time during the plan year. HSA changes will typically take effect in the pay period following receipt of your request in HR.