Niagara Bottling Benefits

Medical Plans.

Meet Alex!

Your personal benefits conselor.

ALEX is an interactive decision-support tool that acts as an informative, virtual benefits counselor to help you learn more about Niagara's benefits!

ALEX helps you make the right choices specifically for you and your family's needs based on what you tell him.

Talk to ALEX now →

Teladoc

Virtual visits with a real doctor.

Talk to a doctor 24/7/365 by web, phone or mobile app. There is no time limit for how long you can speak to a doctor and they can, if medically necessary, write a prescription to the pharmacy of your choice.

Use Teladoc for cold & flu symptoms, bronchitis, allergies, pink eye and more!

Talk to a doctor now →

ID Cards

Important info!

If you enroll in the Aetna PPO with HSA, you’ll receive an ID Card in the mail.

If you lose your card or are waiting for your new card in the mail, you can click here to download a temporary Aetna ID card to use in the meantime!

Medical Plan Details:

In-Network Benefits	Aetna PPO w/HSA	Aetna HMO Low
Preventive Care	Plan pays 100%	Plan pays 100%
Annual Deductible Individual/Family	$1,750 / $3,500	$1,500 / $3,000
Out-of-Pocket Max Individual/Family	$5,000 / $10,000	$3,500 / $7,000
Company HSA Contribution	Up to $500	N/A
Primary Care	You pay 20% after deductible	$25 copay
Specialist Visit	You pay 20% after deductible	$40 copay, deductible waived
Teladoc	Up to $40/consult	$40/consult
Urgent Care	You pay 20% after deductible	$25 copay, deductible waived
Emergency Room	You pay 20% after deductible	$150 copay after deductible (waived if admitted)
Pharmacy Deductible Generic Formulary/Brand Non-Formulary Brand Specialty	Pharmacy Deductible is combined with Medical $15 $30 $50 20% ($120 maximum)	Pharmacy Deductible is combined with Medical $15 $30 $50 30% ($150 maximum)
Per-Pay-Period Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$20 $110 $58 $165	$71 $196 $132 $275

Prescription Drug Plan.

Rx is through Magellan!

If you choose the Aetna PPO with HSA, there is a change to your pharmacy program. We are moving our Prescription Drug Plan to Magellan Rx for 2020! Get access to national and regional pharmacies in-network such as Walmart, Walgreens, CVS and more!
Find a pharmacy now →

How to use your Rx plan

You will receive one ID card with your Aetna Medical plan on the front and Magellan Rx plan on the back. Present your Magellan information along with your prescription to any participating pharmacy every time you fill your prescription.

In-Network Benefits	Aetna PPO w/HSA	Aetna HMO Low
Generic	$15	$15
Formulary/Brand	$30	$30
Non-Formulary Brand	$50	$50
Specialty	20% ($120 maximum)	30% ($150 maximum)

HSA/FSA.

Health Savings Account

A health savings account (HSA) is a medical savings account. You will earn $0.50 on every $1 you set aside to a maximum Niagara Match of $250 individual / $500 family.

2020 Contribution Limit*

Individual: $3,550 | Family: $7,100

Max Niagara Match

Individual: $250 | Family: $500

Flexible Spending Accounts

An FSA, also known as a flex plan or reimbursement account, is an employer-sponsored benefit that allows you to pay for eligible expenses on a pre‐tax basis.

Traditional Health Care/Limited-Purpose FSA Contribution Limit

$2,700

Commuter FSA Contribution Limit

$3,120

Dependent Care FSA Contribution Limit

$5,000

Learn More →

*Note: Your personal HSA maximum contribution is reduced by the company's contribution.

Dental Plans.

In-Network Benefits	DHMO (DeltaCare)	PPO Low	PPO High
Annual Deductible	None	$50/individual	$50/individual
State Availability	Only CA, CT, FL, NM, TN, TX, VA	All states	All states
Calendar Year Maximum	None	$1,750/person	$3,000/person
Office Visits	$5 copay	None	None
Cleanings Per Year	2	3	3
Basic Services	Plan pays 100% after copay copay varies by procedure	Plan pays 80%	Plan pays 80%
Major Services	Plan pays 100% after copay copay varies by procedure	Plan pays 50%	Plan pays 50%
Orthodontic Services	$1,900 copay for children $2,100 copay for adults	Plan pays 50% for members 19 years and under	Plan pays 50% for all members
Orthodontia Lifetime Max	N/A	Up to $1,000/person	Up to $2,000/person
Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$3.26 $6.19 $6.51 $9.27	$9.14 $18.80 $22.43 $32.06	$18.22 $36.50 $41.24 $61.49

Vision Plans.

In-Network Benefits	VSP Low	VSP High
Copay	$15 exam / $25 materials	$0 exam / $10 materials
Primary Eyecare	$10 copay	$10 copay
WellVision Exam	Covered in full after copay	Covered in full after copay
Lenses	Covered in full after copay	Covered in full after copay
Frames	Covered in full up to the retail allowance of $130	Covered in full up to the retail allowance of $180
Contact Lenses in lieu of glasses	Elective contacts up to $125 allowance	Elective contacts up to $150 allowance
Frequency	Exam every 12 months Lenses every 12 months Frames every 24 months	Exam every 12 months Lenses every 12 months Frames every 12 months
Suncare	Covered up to $130	Covered up to $180
Per-Pay-Period Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$3.27 $6.52 $6.98 $11.15	$5.42 $10.86 $11.61 $18.54

Work/Life Benefits

Magellan EAP

Employee Assistance Program

Magellan Employee Assistance Program is here! From help with daily tasks to working on more complex issues, EAP provides you and your family coaching, counseling, self-care apps, manager support, critical incident response, child and elder care resources, legal, financial and identity theft programs and a variety of services to help you with the ups and downs on the journey of life.

Discount Programs

Get access to exclusive LA Fitness Membership pricing with Niagara.
Learn more →

Other discounts through various providers:

WorkingAdvantage Discounts →
Company Code: 973455836
Enterprise Car Discount →
Discount Code: XZ56756
National Car Discount→
Discount Code: XZ56756
AT&T Discount →
Verizon Discount →
Microsoft Discount →
Hearing & Vision Discount →
Quicken Loans Discount →
24-Hour Fitness →

Free Airport Parking

2 free days for airport parking for Niagara Employees!

Download The Parking Spot app on Apple or Android and use Nia6485 as your "company code" during registration. This will give you access to the Niagara discounts and two days worth of parking points will automatically be added to your account.

Email info@theparkingspot.com to merge an existing account and to receive the Niagara discounts and your parking points.

LegalShield and Identity Theft

Protect yourself today!

Current Team Members

LegalShield offers Legal and Identity Theft voluntary benefits including unlimited legal advice, letters, will preparation, living will, health care directive, traffic issues, trial defense, IRS audit services, 24/7 emergency access and more.

Identity Theft includes: Credit Report, Daily Credit Monitoring, and more.

Critical Illness Plan

Life can be tough sometimes, and nobody knows what lies ahead. Critical Illness coverage helps bring peace of mind through financial protection in the event that you are diagnosed with a critical illness such as cancer, or you suffer a heart attack, stroke, or other life-threatening condition or illness.

This coverage can be used to pay for any expenses - household bills, medical bills, travel, etc.

Accident Plan

Accident Insurance helps you protect against the financial burden that accident-related costs can create. Accident Insurance from The Hartford complements other benefits, including traditional healthcare insurance.

Coverage from The Hartford provides benefits for more than 80 accidental injuries, related expenses and treatments spanning multiple medical categories.

College Savings Plan

We are offering Team Members and their family members the opportunity to participate in a Section 529 College Savings Plan through Fidelity.

This plan is a tax-advantaged way to save for college and college-related expenses for your children, grandchildren, or even yourself with no annual contribution limits. The 529 Plan allows for investments to grow tax free. Paper enrollment is required for this benefit. Click here to access the application.

NIAGARA WATER permits INSURERS to offer employees of NIAGARA WATER certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. NIAGARA WATER does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. NIAGARA WATER does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. NIAGARA WATER'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and NIAGARA WATER may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. NIAGARA WATER does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

Family-Friendly Benefits

MilkStork

For Niagara Team Members Only

Are you a Niagara road warrior and a nursing mom? With Milk Stork, nursing Niagara moms can travel for work with confidence, knowing your baby is getting all the proven benefits of your milk, by shipping from anywhere in the world.

Login now →

Enhanced Fertility

Your benefit provides coverage for fertility preservation (egg or sperm freezing), which allows you to build a family when you’re ready.

Other options include IVF Fresh Cycle, IVF Freeze-All, Frozen Embryo Transfer, Intrauterine Insemination, Timed Intercourse, and more!

Login now →
or call 844-470-1752 to sign up.

Adoption Assistance

Sometimes starting a family through natural birth just isn't in the cards. However, we've teamed up with Progyny to offer an Adoption Assistance benefit to help make starting your family a little bit easier.

A $10,000 benefit available to Team Members with 1 year of service or more.

Login now →
or call 844-470-1752 to sign up.

Veterinary Discount Plans

PETplus Rx Plan

PETplus Prescription Savings Plan will save you money on the products your pets are already using. You will receive wholesale prices on brand name prescriptions, preventatives and more.

Pet Assure Plan

Pet Assure members save 25% on all medical services provided by any one of Pet Assure’s thousands of participating providers. Pet Assure is not insurance and all pets are eligible, regardless of type, age, breed or health condition.

Tuition Assistance

Make college affordable

This program is offered as a benefit to Niagara Team Member and any reimbursement made pursuant to it shall be made in Niagara’s discretion. If you are interested in applying to this program and you have completed 12 months of service with Niagara, click here to view the Tuition Assistance Policy and Tuition Assistance Application.

Scholarship Program

Make college affordable

The Andrew D. Peykoff, Sr. Scholarship Program offers tuition assistance to dependents of Niagara Team Members who are continuing their education in college or vocational school programs. The application window is from December 1, 2019 to March 1, 2020. Recipients are selected based on academic performance, school and community involvement, statement of academic and career goals and more. The Program is administered by Scholarship America, the nation’s largest designer and manager of scholarship, tuition assistance and other education support programs for corporations, foundations, associations and individuals.
**You will need to access the link either at a Niagara location or via VPN.

Learn more →

Life & Disability.

Basic Life

Provided by Niagara!

Current Team Members

Niagara pays for your Basic Life coverage of $25,000.

Newly-Hired Team Members

Niagara pays for your Basic Life coverage of $25,000.

Team Member Supp Life and AD&D

Offered through The Hartford!

Current Team Members

Current Team Members: You may increase coverage by $10,000. Your total coverage amount can be up to six times your base pay up to a maximum of $300,000, without being subject to Evidence of Insurability (EOI). Amounts elected above $300,000 up to the total maximum of $1,000,000 are subject to EOI.

Newly-Hired Team Members

Current Team Members: You may elect coverage in $10,000 increments up to a maximum of six times your base pay up to $300,000, guaranteed issue. Amounts above $300,000 up to the total maximum of $1,000,000 are subject to EOI.

Dependent Life and AD&D

Offered through The Hartford!

Current Team Members: Up to 50% of Team Member coverage in increments of $10,000 up to a maximum of $250,000. Any amounts over $50,000 for New Hires or $10,000 during a change at Open Enrollment are subject to EOI.

Child Life and AD&D

Current Team Members: Up to $10,000.

Guaranteed Issue (applies to both Life plans)

FMLA

Life doesn't always give you a heads up, and sometimes you have no choice but to face a challenge head-on.

This law, and it’s associated regulations, entitle eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons. The employee must be restored to employment and be provided with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave.

Voluntary Long-Term Disability

LTD benefits pick up where STD leaves off. Your monthly benefit amount is calculated based on your pre-disability earnings (including regular wages and commissions) but does not include awards, bonuses, overtime pay or employer contributions to any deferred compensation arrangement or pension plan.

LTD Pre-Existing Conditions

You will be considered to have a pre-existing condition if: You received medical treatment, consultation, care or services, including diagnostic measures, or were prescribed drugs or medicines in the three months just prior to your effective date of coverage; or the disability begins in the first three months after your effective date of coverage unless you have been treatment-free for 12 consecutive months after your effective date of coverage.

NIAGARA WATER permits INSURERS to offer employees of NIAGARA WATER certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. NIAGARA WATER does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. NIAGARA WATER does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. NIAGARA WATER'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and NIAGARA WATER may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. NIAGARA WATER does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

The Niagara 401(k) Plan.

Retirement Plan through Fidelity

The Niagara 401(k) Retirement Plan through Fidelity Investments helps you save for a secure and well-funded future through pre-tax or after-tax (Roth) contributions and a company match. You are eligible to participate in the 401(k) plan on the first of the month after 30 days of active, full-time employment, as long as you are at least 18 years of age. You can make changes to your plan at any time during the year by visiting Fidelity's website.

IRS Pre-Tax/Roth Contribution Limit

$19,500

IRS Catch-Up Contributions

$6,500

Niagara accepts rollovers from other qualified plans. Want to rollover funds from a previous account? Contact Fidelity at 1-800-835-5097.

Don't go it alone. Talk to ALEX.

Niagara Matches your Contributions

Don't miss out on free money!

Niagara matches your pre-tax and Roth contributions starting first of the month following 30 days of service.

You are required to contribute to the plan to receive match. The company matches $0.33 of every $1 you contribute up to 6% of your gross pay. To maximize your match, contribute at least 6% each pay period.

The match vesting schedule is a 3-year cliff vesting (0%, 0%, 100%). That means on a Team Member’s 3rd Anniversary with Niagara, all past and future matching contributions become 100% vested. Team members hired prior to 2019 will retain their 20% vesting. On their 3rd anniversary, they will be 100% vested.

Don’t forget, your personal contributions to the 401(k) are always 100% vested!

Medical Documents

Magellan Prescription Drug Plan

Precision Plus Preventive List →
Precision Formulary →
Understanding Your New 2020 Prescription Benefit Program →

Prescription Drug Documents

Magellan Prescription Drug Plan

Precision Plus Preventive List →
Precision Formulary →
Understanding Your New 2020 Prescription Benefit Program →

HSA/FSA Documents

Health Savings Account

HSA Summary →
Contribution Limits →
Understanding the HDHP →
Get Free Money by Opening Your HSA →

Flexible Spending Account

FSA Discovery Guide →
FSA Handout →
Accessing Your Account →

Dental Documents

Delta PPO

DPPO High/Low Benefit Summary →
Find a Network Dentist →

Delta HMO

DHMO Benefit Summary →
CT – pages 1-15
FL – pages 16-29
NM – pages 30-44
OK – pages 45-59
TN – pages 60-73
TX – pages 74-88
VA – pages 89-102

Reasons to get a Dental Cleaning →