Please click the link below to view the benefits you are eligible to enroll in and either accept or decline each of them.
This is a required step in order to complete the new hire and rehire process.
Fixed Indemnity Medical Plan
Covers the most common medical expenses at an easy-to-afford price.
Without copays, deductibles, or waiting periods, Fixed Indemnity Medical Plan pays a flat amount for each covered claim such as: Doctor’s Office Visits, Prescription Drugs, Emergency Room, Lab & X-Rays, Urgent Care, Outpatient Surgery, Inpatient Care and Ambulance Service.
This is our most popular plan option as it offers highly usable benefits.
The fixed indemnity plan is not a major medical plan designed to meet certain minimum essential coverage requirements. It is a supplemental insurance plan that provides a limited, fixed dollar per day or occurrence amount.
Dental
• No Waiting Period
• Cleanings and Exams
• X-Rays
• Filling and Crowns
• Oral Surgery
• Periodontal and Endodontics
Short-Term Disability
• 26 Weeks of Coverage
• No Waiting Period for Injury
• 7 Day Waiting Period for Sickness
Term Life
• Term Life Benefits for Employees
• Term Life Benefits for Spouse and Dependent Children
Minimum Essential Coverage (MEC)
Preventive Wellness Plan
The Minimum Essential Coverage (MEC) plan meets the Affordable Care Act's definition of minimum coverage.
This plan DOES NOT cover medical services. It provides coverage for preventive services such as immunization and routine health screening. It does not cover conditions caused by accident or illness.
Associates are able to select a different coverage level than the selected Fixed Indemnity and ancillary coverage level.
Enrolling in the Optional MEC Wellness/Preventive Benefit may DISQUALIFY you from receiving a subsidy from the health insurance exchange. This benefit is offered and provided by your employer. Note: The Patient Protection and Affordable Care Act (PPACA) individual mandate no longer imposes a penalty at the federal level; however, please check with your state for any state specific individual mandate requirements or penalties.
Availability of Summary Health Information for Minimum Essential Coverage Plan
Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare across options.
- Your SBC is available for viewing upon request and Free of Charge at your employers local office.
- The SBC is also be available upon request and Free of Charge by contacting PAI Customer Service at 1-866-798-0803.
- A sample electronic version of your SBC can be accessed at: https://www.paisc.com/productsservices/specialty-administration/aca-plans.