Additional Benefits

Explore additional coverage options to support your health and financial security.
Click any card below to learn more.

Dental

Basic, Enhanced PPO, and DMO options for complete oral health.

Vision

Routine exams, hardware allowances, and discount programs.

Health Savings Account (HSA)

Tax-advantaged savings with employer contributions.

Flexible Spending Accounts

Healthcare and Dependent Care pre-tax accounts.

Accident

Financial protection for unexpected injuries.

Critical Illness

Lump-sum support for major medical events.

Hospital Indemnity

Cash benefits for hospital stays.

Short-Term Disability

Short-term income replacement protection.

Long-Term Disability & Buy-Up Option

Long-term financial security for extended absences.

Life & Accidental Death

Financial security and protection for your loved ones.

Legal Services

Expert legal support and counsel access.

Identity and Financial Protection

Comprehensive coverage to protect your digital life, privacy, and financial accounts.

Retiree Benefits

Explore specialized health and welfare coverage options available for eligible retired colleagues.

Plan Feature (In-Network)	Basic PPO	Enhanced PPO	DMO
Network Access	Use any dentist (save with PPO network)	Use any dentist (save with PPO network)	DMO network dentists only
Annual Deductible (Individual / Family)	$50 / $150 (Basic services only)	$50 / $150 (Basic & Major services)	None
Annual Benefit Maximum	$1,000	$2,000	None
Preventive Services (Exams, cleanings, X-rays)	100% covered	100% covered	100% covered
Basic Services (Fillings, simple extractions)	Plan pays 60%	Plan pays 80%	Plan Pays 90%
Major Services (Crowns, bridges, dentures)	Not covered	Plan pays 60%	Plan Pays 60%
Orthodontia (Child / Adult where applicable)	Not covered	60% coinsurance up to lifetime maximum ($2,000 limit)	Covered with patient copays per schedule

Benefit Feature (In-Network)	Basic Vision Plan	Enhanced Vision Plan
Frequency Exams / Lenses / Frames	Exam: Once every 12 months Lenses: Once every 12 months Frames: Once every 24 months	Exam: Once every 12 months Lenses: Once every 12 months Frames: Once every 12 months
Routine Eye Exam (Once every 12 months)	$0 copay	$0 copay
Lenses Single / Bifocal / Trifocal	$15 copay	$0 copay
Frame Allowance	$0 copay, $150 allowance (20% off balance over $150)	$0 copay, $300 allowance (20% off balance over $300)
Contact Lenses (Conventional/Disposable)	$0 copay, $150 allowance	$0 copay, $300 allowance
Laser Vision Correction	Discounts available via Access network	Discounts available via Access network

HSA Feature	Plan Details & Contributions
2027 Contribution Limits	$4,500 single / $9,000 family (plus $1,000 if age 55+).
Annual Company Contribution	CVS Health contributes $500 single / $1,000 family (if ABBR is $250,000 or less) pro-rated per paycheck.
Tax Advantages	Contributions are 100% pre-tax (or tax-deductible), earnings grow tax-free, and withdrawals for qualified medical expenses are completely tax-free.
Ownership & Rollover	The account is entirely yours. Unused balances roll over automatically year after year, and the money stays with you even if you change plans, leave the company or retire.

Account Type	Contribution Limit	Eligible Expenses
Health Care & LPFSA	$3,500 limit (projected); up to $680 carryover. Active re-election required.	Health Care: Eligible medical, prescription, dental, vision, and over-the-counter expenses. LPFSA: Dental and vision expenses before you hit your medical deductible.
Dependent Care FSA (DCFSA)	$7,500 limit; no carryover. Active re-election required. (Contributions limited for highly compensated employees HCE)	Custodial care (i.e.: daycare, pre-school, in-home care, etc.) for a child or adult dependent. View the full list of eligible expenses on inspirafinancial.com.

Plan Aspect	Coverage Summary
How It Works	Pays a lump-sum cash benefit based on the specific injury and treatment received. Benefits are paid directly to you, regardless of other insurance coverage.
Flexible Use	You can use the funds however you choose—to pay medical deductibles, copays, or even everyday household bills while recovering.

Plan Aspect	Coverage Summary
Lump-Sum Benefit	Upon diagnosis, you receive a direct cash payment to use however you see fit.
Financial Support	Helps cover non-medical costs associated with serious illness, such as specialized treatments, travel expenses, mortgage payments, or living expenses.
Guaranteed Issue	Available during annual enrollment without medical underwriting up to specified plan limits.

Plan Aspect	Coverage Summary
Inpatient Benefits	Provides a fixed cash payment for the initial hospital admission and a daily benefit for each day of confinement.
Direct Payments	Funds are paid directly to you to use for copays, deductibles, or daily living expenses during recovery.
Flexible Use	Use the lump-sum benefit to help cover medical bills or everyday living expenses like daycare or groceries.

Plan Aspect	Coverage Summary
Income Replacement	Provides regular weekly or monthly cash payments to maintain financial stability while you recover. Available for full-time colleagues regularly scheduled to work 30 or more hours per week.
Elimination Period	A 7-day waiting period applies before benefit payments begin following your disability date.
Seamless Transition	Designed to bridge your income until you can return to work or transition to Long-Term Disability if needed.

Plan Aspect	Coverage Summary
Extended Protection	Replaces a portion of your monthly earnings if your disability extends beyond the short-term disability period.
Buy-Up Options	Optional buy-up coverage levels allow you to increase your monthly benefit amount and secure higher protection.
Financial Security	Ensures ongoing stability for you and your family during extended medical absences.

Coverage Type	Who Pays & Plan Details
Basic Life Insurance	Employer Paid Core life insurance protection equal to your Annual Benefits Base Rate provided automatically by CVS Health for full-time colleagues regularly scheduled to work 30 or more hours per week to safeguard your family's future.
Basic AD&D Insurance	Employer Paid Provides additional financial protection for full-time colleagues regularly scheduled to work 30 or more hours per week if you suffer a covered accidental death or dismemberment.
Supplemental Life	Colleague Paid Buy extra life insurance coverage multipliers above your basic plan to match your personal financial goals.
Spouse / Partner Life	Colleague Paid Affordable life insurance protection specifically for your legal spouse or registered domestic partner.
Child Life	Colleague Paid Providing coverage for eligible dependent children under a flat, cost-effective election tier.
Supplemental AD&D	Colleague Paid Optional extra accidental death and dismemberment coverage for added security against unexpected accidents.
Universal Life	Colleague Paid Flexible permanent life insurance coverage featuring cash value accumulation and living benefits, enabling you to build long-term financial security while protecting your loved ones.

Plan Highlights & Features	Coverage Details
Low Plan vs. High Plan	Choose between the Low Plan and High Plan to suit your personal needs and budget, covering Money Matters, Home & Real Estate, Estate Planning, Family & Personal, Civil Lawsuits, Elder-Care Issues, and Traffic Matters.
Attorney Network	Access a nationwide network of prequalified attorneys with an average of 25 years of experience. Search by ZIP code, experience, specialty, or minority/veteran/LGBTQ+ owned attributes.
Digital Estate Planning	Create valid wills, living wills, and powers of attorney online in as little as 15 minutes. Includes online video notary features where available.
No Out-of- Pocket Costs	Zero copays, deductibles, or claim forms when using a network attorney for a covered matter. All billing is handled directly between MetLife and the attorney.
Eligible Family Members	Coverage extends to you, your spouse or domestic partner, and dependent children up to age 26.

Plan Aspect	Coverage Summary
Protection Scope	Identity theft protection, cyber crime coverage, personal device security, online privacy monitoring, and parental controls.
Reimbursement	Full-service remediation and up to $5 million reimbursement to cover stolen funds from bank, investment, or credit accounts.
Family Coverage	Covers your whole family including spouse/partner, children (regardless of age/address), parents, and/or in-laws. Convenient payroll deductions apply.
Eligibility	Available to all colleagues.