Benefits Overview

To say the least, benefits packages are confusing... deductibles, in-network, out-of-network, generic, preferred, etc. Can't there be an easier way?

The reason it's confusing is that there is no "one size fits all" approach. Based on each employee's unique circumstances, each employee (and their family) will need to utilize the benefit programs differently. Because of these differences, there are many moving parts to a benefit plan that covers over 1500 employees spread out throughout the country.

Through the list of "links" below, we are going to briefly explain each benefit in a clear and concise manner so you can understand and take advantage of the items that pertain to you and your family.

Like anything else worth understanding, you'll need to spend time in reviewing the information. It will be worth it - you will be able to take full advantage of YOUR benefits, have some peace of mind about doing all you can for your family, and save yourself money.

Based on recent survey results we've discovered that 8 out of every 10 employees are not taking full advantage of the benefits available to them - most from just not knowing their benefit package.

Please spend some time reviewing this information. Believe me, it will be worth it. If you do have any questions, just pick up the phone and give the Human Resources department a call, they will be glad to review any of the available benefit programs or answer any of your questions.

Ok, with that being said, let me try to define each of these benefits in laymen's terms. We'll hit the highlights of each item and provide you links to the detail.

Health Insurance

• Medical Benefits Overview
• Am I "In or Out-of-Network"?
• Emergency Room or Urgent Care?
• Major Health Issues - Hospitalization - Call CIGNA FIRST
• Medical Open Enrollment Period
• Childrens Immunization Schedule

• Overview
• Dental
• Vision
• Prescriptions
• HealthCare Healthy Babies Program
• 24-Hour Health Information Line
• Tobacco Cessation Program (Free Nicotine Replacement Products)
• Stress Management Program

• Accidental Death & Dismemberment
• Short & Long Term Disability

• Emotional Counseling - Marital, Alcohol, Anger, Grief, etc.
• Financial Counseling - Credit, Taxes, Debt, Planning, etc.
• Legal Counseling - Divorce, Real Estate, Civil, Wills, etc.
• Family Counseling - Child/Elder Care, Adoption, Education, etc.

• 401k Cardinal Match Program
• Credit Union
• Student Scholarship Program
• 529 College Savings Plan

• Managing Your Health
• Attention Baby Boomers!
• The Five Smartest Things You Can Do

• Please contact HR for more information on the Flexible Spending Accounts to see if your specific plan can provide this benefit.