Teladoc Details

Virtual Primary Care

At Niagara, our goal is to provide greater access to care no matter where you or your family may live, and in 2024, we are expanding your access to quality health care outside of your local hometown.

A Primary Care Physician (PCP) is your main doctor during non-emergency situations. Building a relationship with a PCP while you’re healthy is important for your long-term health and wellbeing. You still have the option to choose any doctor you want and you choose your specialists. With Teladoc Virtual PCPs (VPCP), you have more in-network doctors to choose from.

If you already have a trusted relationship with a doctor, keep them! If you need help finding a new PCP and have mobility or time concerns, consider VPCP.

Starting in 2024, you’ll be able to choose your PCP virtually through Teladoc. Choose a board-certified PCP who’s right for you, and they’ll guide you the rest of the way.

Virtual Primary Care (VPCP) Visit

2024 Only: 3 free scheduled visits, then $30 copay regardless of medical plan

Get started

24/7 Urgent Care

While establishing a Primary Care Provider is important, we understand that sometimes access to care is urgent.

Through Teladoc’s 24/7 Urgent Care, you and your family may receive care immediately when the time calls for it. Teladoc 24/7 Urgent Care provides around-the-clock access to medical care by phone or video consultations, in all 50 U.S. states.

Typically, you can expect a call within one hour of your appointment request and receive care without leaving the comfort of your home. Teladoc doctors can diagnose and treat many common health issues, including cold and flu symptoms, pink eye, eczema, and more.

24/7 Urgent Care Visit

2024 Only: $30 copay regardless of medical plan

Great News!
We’re DOUBLING the HSA Match!

We are committed to supporting our valued Team Members and their families. Niagara is boosting our HSA Match contributions to $500 (Individual) / $1,000 (Family), providing you with additional dollars for eligible healthcare costs like office visits, prescription drug copay, dental and vision expenses, and so much more.

You’ll earn $0.50 on every $1 you set aside in your HSA up to the Maximum Niagara Match.

HSA Match & IRS Limits	Maximum Niagara Match (Within IRS Contribution Amount)	Annual IRS Contribution Limit	Your Niagara Contribution Limit (IRS Limit - Match)
Individual	$500	$4,300	$3,800
Family	$1,000	$8,550	$7,550

Don’t forget you need to re-enroll!

Pharmacy Benefit Changes

Changes to your Pharmacy Benefit Copays and Maximums

Due to the rising costs of prescription drugs, we’re making a few changes to pharmacy benefit copays and maximums. We understand that any change can be challenging, but these adjustments help us continue to offer the highest level of care for you and your family.

Pharmacy Benefit Changes*	Cigna HSA	Cigna PPO	Cigna PPO High
Non-Preferred Brand Tier	$60 after deductible; $120 after deductible (mail order)	$60 after deductible; $120 after deductible (mail order)	$60; $120 (mail order)
Specialty Tier	20% ($150 maximum) after deductible	20% ($150 maximum) after deductible	20% ($150 maximum)

MagellanRx is now Prime Therapeutics No action required!

Prime Therapeutics has recently acquired MagellanRx.
The information on the back of your Cigna ID card and your current pharmacy has not changed.

2025 Per Pay Period Contributions

Rising costs due to inflation and market dynamics have impacted many aspects of our lives, including healthcare. Medical insurance premiums will see an increase across all plans, but dental and vision remain the same.

Medical Plans	Cigna HSA	Cigna PPO	Cigna PPO High
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$36.00 $144.00 $70.00 $180.00	$74.00 $201.00 $138.00 $258.00	$102.00 $254.00 $191.00 $330.00

Dental Plans	PPO Low	PPO High
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$5.00 $12.00 $14.00 $21.00	$15.00 $30.00 $34.00 $51.00

Vision Plans	VSP Low	VSP High
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$2.76 $5.50 $5.89 $9.40	$4.57 $9.15 $9.83 $15.63

Note: Age-based rates can be found in Workday.

2025

Benefits Center

We have developed this Benefits Hub for you as a one-stop-shop for all of your year-round benefits needs.
Get access to things like plan documents, contact information, plan information, helpful compliance notices & more!

To get started, click a Plan Icon or just continue scrolling.

Need to see 2024 benefits?

View 2024 benefits

2025 Per Pay Period Contributions

Medical Plans	Cigna HSA
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$36.00 $144.00 $70.00 $180.00

Dental Plans	PPO Low
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$5.00 $12.00 $14.00 $21.00

Vision Plans	VSP Low
Team Member Only Team Member + Spouse Team Member + Child(ren) Family	$2.76 $5.50 $5.89 $9.40

Note: Age-based rates can be found in Workday.

Pharmacy Benefit Changes

Changes to your Pharmacy Benefit Copays and Maximums

Pharmacy Benefit Changes*	Cigna HSA
Non-Preferred Brand Tier	$60 after deductible; $120 after deductible (mail order)
Specialty Tier	20% ($150 maximum) after deductible

Medical Plans

We are offering you a Cigna plan: the Cigna HSA.

More doctors, more hospitals, more care. Cigna’s large provider network makes it easy for employees to get quality in-network care. When you enroll in Medical, Team Members will receive a brand new ID card from Cigna for medical and prescription drug coverage.

Cigna HSA

Preventive Care:

Plan pays 100%

Primary Care Office Visit:

You pay 20% after deductible

Deductible:

$1,750 (I) / $3,500 (F)

Generic Drugs

$15 after deductible; $30 after deductible (mail order)

Prime Therapeutics

When you enroll in a Cigna medical plan, your prescription drug program is with Prime Therapeutics. You’ll have access to national and regional pharmacies, such as, Walmart, Costco, Rite Aid, CVS and more!

There are some changes to your pharmacy benefit in 2025.
Click below to learn more.

HSA

Niagara is boosting our HSA Match contributions to $500 (Individual) / $1,000 (Family), providing you with additional dollars for eligible healthcare costs like office visits, prescription drug copay, dental and vision expenses, and so much more.

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 $500 individual / $1,000 family.

Dental Plans

We offer you two dental plans: the PPO Low and the PPO High.

PPO Low

Deductible:

$50(I) / $150(F)

Basic Services:

You pay 20%

Major Services:

You pay 50%

Orthodontic Services:

Plan pays 50% for dependent children up to age 26

Vision Plans

We are offering you two vision plans: the VSP Low and the VSP High.

VSP Low

Eye Exam Cost:

$15 exam; $25 materials; Exam once every calendar year

Primary Eyecare:

$10 copay

Frames:

Covered in full up to the retail allowance of $130; Once every 24 months

Lenses:

Covered in full after copay; Once every calendar year

Advocacy Services

A Piper Jordan Advocate is ready to help.

Claims Advocacy:
Help you, or members of your immediate family* solve claim questions or resolve provider billing issues.

Find a Provider:
An in-network provider can offer you lower out of pocket costs – we can locate a provider close to you.

Understand your Benefits:
Want to know what is covered? How does a deductible work? What’s your co-pay? We’re ready to assist.

*Spouses, domestic partners, child(ren), parents, and parents-in-law.

Call or Text: 855-906-3754

Email: niagara@piperjordan.com

The 401(k) Plan

The Niagara Water 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.

IRS Pre-Tax/Roth Contribution Limit:

$23,500

IRS Catch-up Contribution Limit:

$7,500*

Niagara 401(k) Matching Contribution:

$0.33 on every $1 up to 6% of your gross compensation

* For Team Members turning age 60-63, the 2025 Catchup Limit is $11,250. Workday will automatically continue deductions until the limit is reached. Catch-up Contributions are 401k Match eligible.

Work/Life Benefits

Benefits that go beyond basic and voluntary coverages. These are programs that offer you and your family even more flexibility and added perks on top of what you enroll in above.

Included Benefits:

✓ Lyra Mental Well-being

✓ Discount Programs

✓ LegalShield & Identity Theft

✓ Discounted Airport Parking

✓ Corepower Yoga Discount

Family-Friendly Benefits

Whether you already have a family, or are just starting out, these benefits have family in mind.

Get access to great programs like Progyny, Tuition and Pet discounts, and more.
All Medical Enrollees now have access to up to 4 Smart Cycles™.

Niagara offers a $10,000 Adoption, $10,000 Surrogacy, and $5,000 Doula Reimbursement benefit.

☊ Progyny Welcome Video
☊ Progyny Webinar

Wellness

Team Members and participating Spouse/Domestic Partners covered by a Niagara medical plan as of 1/1/2024 may voluntarily participate in the Hydrate Your Health Program.

View Plan Details

A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available in the forms library. A paper copy is also available, free of charge, by calling 909-230-5000.

Niagara Bottling permits insurers to offer employees of Niagara Bottling certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Niagara Bottling 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 Bottling does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Niagara Bottling'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Niagara Bottling may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Niagara Bottling 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.

All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Niagara Bottling reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.

Medical Plan Details

Cigna HSA

Deductible

$1,750 (I) / $3,500 (F)
Out-of-Pocket Maximum

$5,000 (I) / $10,000 (F)
Company HSA Contribution

You will earn $0.50 on every $1 you set aside to a maximum Niagara Match of $250 Individual and $500 Family.
Per-pay-period Premiums

Team Member Only: $36.00
Team Member + Spouse: $144.00
Team Member + Child(ren): $70.00
Family: $180.00

Cigna HSA

Preventive Care →

Plan pays 100%
Preventive Dermatology

Plan pays 100%
Preventive 3D Mammogram

Plan pays 100%
Preventive Breast Ultrasound

Plan pays 100%

Cigna HSA

Primary Care

You pay 20% after deductible
Specialist Visit

You pay 20% after deductible
Teladoc Urgent Care

You pay a $30 copay
Teladoc Primary Care

1 Free Wellness Visit + 20% after deductible for non preventive
Urgent Care

You pay 20% after deductible
Emergency Room

You pay 20% after deductible

Cigna HSA

Separate Pharmacy Deductible

Medical + Pharmacy Deductible* $1,750 (I) /$3,500 (F)**
Generic Preventive Medication

$0 copay
Generic

$15 after deductible; $30 after deductible (mail order)
Formulary/Brand

$30 after deductible; $60 after deductible (mail order)
Non-Formulary Brand

$60 after deductible; $120 after deductible (mail order)
Specialty

20% ($150 maximum) after deductible

*For the Cigna HSA, all medical and prescription drug expenses apply to the Plan Deductible.
**Family deductible applies when you cover yourself plus one or more family members

Teladoc

Virtual Primary Care (VPCP) is available through Teladoc!

At Niagara, our goal is to provide greater access to care no matter where you or your family may live.

With Teladoc VPCP, you have access to quality health care outside of your local hometown. If you are looking for convenient access to care, consider a Teladoc VPCP. You have the option to choose a board-certified PCP who’s right for you, and they’ll guide you the rest of the way.

24/7 Urgent Care is still available!

Get started →

Am I Eligible for Medicare?

Medicare and You →
Apply for Medicare Online →
Medicare Coordination →

Medicare is available to individuals age 65 and older. You can start the application process 3 months before the month in which you turn 65.

You’ll be able to keep his current providers, as long as they are participating in the Medicare program. Medical providers, suppliers and groups must enroll in the Medicare program to be eligible for payments for Medicare-approved services. To find out if your provider is participating, call you provider directly. Your provider will fall into one of three categories:

Participating providers accept Medicare and always take assignment. Taking assignment means that the provider accepts Medicare’s approved amount for health care services as full payment.

Non-participating providers accept Medicare but do not agree to take assignment in all cases (they may on a case-by-case basis). This means that while non-participating providers have signed up to accept Medicare insurance, they do not accept Medicare’s approved amount for health care services as full payment.

Opt-out providers do not accept Medicare at all and have signed an agreement to be excluded from the Medicare program. This means they can charge whatever they want for services but must follow certain rules to do so.

After confirming you provider’s status, you should start the application process and set up your account with the Centers for Medicare & Medicaid Services (CMS). Once you’re ready to apply, you’ll need the following information on hand, before you begin the online application process:

Date and Place of Birth If they were born outside the United States or its territories:

• Name of birth country at the time of their birth (it may have a different name now)

• Permanent Resident Card number (if they are not a U.S citizen)

Current Health Insurance

• Employment start and end dates for their current employer who provides them health insurance coverage through a Group Health Plan

• Start and end dates for the Group Health Insurance provided by their current employer

First you will need to create a my Social Security account if you don’t have one already at: https://www.ssa.gov/myaccount/ (This will allow you to check on your application and access your personal information).

Once you have your account established, go to: https://www.ssa.gov/benefits/medicare/ to actually apply.
Once there, scroll down to select the blue button “Apply for Medicare Only" button
Apply and complete the application (which normally takes 10 to 30 minutes).
Select “Submit Now” to send your application electronically.
Print/Save your receipt / confirmation page and application number.
(You can always go back to your my Social Security account to check status with this info)

After enrollment, you will be mailed a letter with the determination and how to proceed. The reprepresentatives at CMS will take you through the whole process from that point forward.

When can I apply?

You can start the application process 3 months before the month you turn 65. This includes the month you turn age 65 and ends three months after that birthday. Avoid enrolling late, as it will make you subject to penalties (part-b-late-enrollment-penalty & part-a-late-enrollment-penalty).

Will I be able to keep my current providers?

You may be able to keep your current providers as long as they too are participating in the Medicare program. Medical providers, suppliers and groups must enroll in the Medicare program to be eligible for payments for Medicare-approved services. A suggested way to start-off would be by reaching out to each of your providers to ask them to confirm if they are enrolled. You may come to discover they will fall in to one of 3 categories of providers:

Participating providers accept Medicare and always take assignment. Taking assignment means that the provider accepts Medicare’s approved amount for health care services as full payment.

Once you've gone through the application process and the Centers for Medicare & Medicaid Services finalize your application / account, and it comes time to choose a plan and other options, CMS will be able to verify if the providers are participating or if you may have to search for new ones.

Where can I find more detailed information about applying and how Medicare works?

Please consider downloading and reading the useful digital guides provided (below?) before applying for Medicare.

How do I get started once I am eligible and ready to apply?

One you are ready to apply, you'll need the following information on hand, before you begin the online application process:

Date and Place of Birth If they were born outside the United States or its territories:

• Name of birth country at the time of their birth (it may have a different name now)

• Permanent Resident Card number (if they are not a U.S citizen)

Current Health Insurance

• Employment start and end dates for their current employer who provides them health insurance coverage through a Group Health Plan

• Start and end dates for the Group Health Insurance provided by their current employer

First you'll have to create a my Social Security account if you don't have one already at: https://www.ssa.gov/myaccount/ (this will be the way you can check on your application and personal info and data, later as well)

Then you'll need to go to: https://www.ssa.gov/benefits/medicare/ to actually apply.

Once there, scroll down to select the blue button “Apply for Medicare Only" button
Apply and complete the application (which normally takes 10 to 30 minutes).
Select “Submit Now” to send your application electronically.
Print/Save your receipt / confirmation page and application number.
(you can always go back to your my Social Security account to check status with this info)

You'll eventually be mailed a letter with the determination and how to proceed. The reps at CMS will take you through the whole process from that point forward.

Cigna Preventive Services & Prescription Drugs

Preventive Services are covered at 100% as long as you seek services from an in-network provider and your service is billed as routine/preventive. Both must be true for Cigna to process the claim at 100%.

When you make an appointment, be clear that you’re seeking preventive services. Talk with your physician during your appointment to ensure you are billed correctly. If they bill with an existing or new diagnosis, you will be charged for an office visit.

If you receive a bill for any portion of your preventive exam or labs, contact the Piper Jordan Claims Advocacy team for help!

Medical Services covered at 100% (follows US Preventive Task Force)	Generic Prescriptions covered at $0 Copay (Prime Therapeutics Preventive Rx List)
Routine Annual Physical	Low dose statin medications (cholesterol)
Well Woman Exams	Blood Pressure medications
Well Child Exams	Tobacco Cessation medications
Colon Screening	Oral contraceptives
Breast Screening (including 3D mammogram & breast ultrasound)	Antiasthmatics (asthma treatment)
Prostate Screening	Anticoagulants
Labs (cholesterol, blood sugar, etc.)	Antihyperglycemics (diabetic medications)
Preventive Dermatology	Antivirals

Prime Therapeutics

Important 2025 Changes

Changes to your Pharmacy Benefit Copays and Maximums

Pharmacy Benefit Changes*	Cigna HSA	Cigna PPO	Cigna PPO High
Non-Preferred Brand Tier	$60 after deductible; $120 after deductible (mail order)	$60 after deductible; $120 after deductible (mail order)	$60; $120 (mail order)
Specialty Tier	20% ($150 maximum) after deductible	20% ($150 maximum) after deductible	20% ($150 maximum)

MagellanRx is now Prime Therapeutics No action required!

Prime Therapeutics has recently acquired MagellanRx.
The information on the back of your Cigna ID card and your current pharmacy has not changed.

Cigna HSA

Separate Pharmacy Deductible

Medical + Pharmacy Deductible* $1,750 (I) /$3,500 (F)**
Generic Preventive Medication

$0 copay
Generic

$15 after deductible; $30 after deductible (mail order)
Formulary/Brand

$30 after deductible; $60 after deductible (mail order)
Non-Formulary Brand

$60 after deductible; $120 after deductible (mail order)
Specialty

20% ($150 maximum) after deductible

*For the Cigna HSA, all medical and prescription drug expenses apply to the Plan Deductible.
**Family deductible applies when you cover yourself plus one or more family members

Using your Rx Plan

Your pharmacy benefit is included on your new Cigna ID Card.

Just present your new Cigna ID card along with your medication prescription to any of the 35,000+ retail pharmacies in Prime Therapeutics’s network every time you fill your prescription.

Coverage for your 90-day supply of prescription drugs is available at all pharmacies except Walgreens. You can also receive these prescriptions through the Mail Order program.

Generic Preventive Medication

Use Generic Preventive Medication for treatment of Asthma, Diabetes, High Blood Pressure, High Cholesterol, Contraceptives and More.

To view a list of these medications, click here.

Dental Plan Details

PPO Low

Deductible

$50(I) / $150(F)
Calendar Year Maximum

$1,750/person
Per-pay-period Premiums

Team Member Only: $5.00
Team Member + Spouse: $12.00
Team Member + Child(ren): $14.00
Family: $21.00

PPO Low

Diagnostic & Preventive

None
Cleanings per Year

3
Basic Services

You pay 20%
Major Services

You pay 50%

PPO Low

Orthodontic Services

Plan pays 50% for dependent children up to age 26
Orthodontia Lifetime Max

Up to $1,000/person

Vision Plan Details

VSP Low

Copay

$15 exam; $25 materials; Exam once every calendar year
Primary Eyecare

$10 copay
WellVision Exam

Covered in full after copay
Per-pay-period Premiums

Team Member Only: $2.76
Team Member + Spouse: $5.50
Team Member + Child(ren): $5.89
Family: $9.40

VSP Low

Lenses

Covered in full after copay; Once every calendar year
Frames

Covered in full up to the retail allowance of $130; Once every 24 months
Contacts Lens Fitting & Evaluation

Up to $60 copay
Contacts Allowance

$125 allowance; Once every Calendar Year
Suncare

Covered up to $130

The Niagara 401(k) Plan Details

Niagara Water Retirement Plan

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.

Niagara accepts roll overs from other qualified plans. Want to roll over funds from a previous account? Contact Fidelity at 800-835-5097.

IRS Pre-Tax/Roth Contribution Limit

$23,500
IRS Catch-Up Contribution Limit

$7,500*

*For Team Members turning age 60-63, the 2025 Catchup Limit is $11,250. Workday will automatically continue deductions until the limit is reached. Catch-up Contributions are 401k Match eligible.
Niagara Match

Niagara matches $0.33 on every $1 up to 6% of your gross compensation starting first of the month following 30 days of service.

Niagara Contribution Match

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 the Niagara 401(k) match.

Your matching contributions become vested after 1 year of employment. On your 1st anniversary, all past and future matching contributions become 100% vested.

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

Financial Wellness

Fidelity has offered self-paced videos to help support your Financial Wellness. From saving for your future, investing, creating a budget, and much more! View these bite-sized videos to help support your Financial Health.

View videos →
*We recommend using Google Chrome to view these videos

Life and Accidental Death & Personal Loss

With this coverage, you can deliver peace of mind to your family in the event of your unexpected death.

Product Highlights

✓ Receive up to 2x your annual salary up to a maximum of $250,000

✓ Living Benefit allows you to collect 80% of your policy while living in the event you are diagnosed with a terminal illness

✓ You may be able to keep coverage if you leave the company, retire or change the amount of hours you work

Short-Term Disability

If you’re suddenly unable to earn a paycheck due to illness or an accident, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.

Product Highlights

✓ Receive a portion of your salary for 25 weeks

✓ Off-the-job coverage

Long-Term Disability

Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.

Product Highlights

✓ Offers additional coverage beyond your initial Short-Term disability coverage

Work/Life Benefits Details

Mental Well-being with Lyra

With Lyra, your members receive support beyond 1-1 sessions with their provider, as they build and practice resiliency skills to meet the challenges of their daily lives. With 24/7 access to personalized digital exercises and direct messaging with their provider, members get better faster.

Access up to 12 counseling sessions per year per person.

Product Highlights

✓ Receive free counseling sessions with a licensed counselor

Discount Programs

LA Fitness →

WorkingAdvantage Discounts →
Company Code: 973455836

Enterprise & National Car Discount→
Personal rental car scroll to the bottom

AT&T Discount →
Verizon Discount →
Microsoft Discount →
Hearing & Vision Discount →
Rocket Mortgage Discount →
Learning Care Group Daycare Services →

LegalShield

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.

Product Highlights

✓ Access to a network of attorneys

✓ Credit monitoring, reports & more

Benefits Information Site →

Discounted Airport Parking

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.

Product Highlights

✓ Discounts on airport parking for all Niagara team members

Corepower Yoga Discount

Benefit from and receive 20% off of our membership and 10 class packages. Only available in Orange County, CA.

Learn more

Wellness Program Details

Hydrate your Health

Team Members and participating Spouse/Domestic Partners covered by a Niagara medical plan as of 1/1/2021 may voluntarily participate in the Hydrate Your Health Program. For Team Members, your participation helps you avoid paying the Wellness Surcharge, an additional medical premium beginning in May 2021. The surcharge is $40 per paycheck for team members. There will not be a surcharge for spouses in 2021, but spouses are encouraged to participate.

A wellness surcharge of $40/pay period will apply to Team Members if the following actions are not taken by the deadlines:

Complete a Personal Health Questionnaire (PHQ) an online, confidential questionnaire through Virgin Pulse (between 12/15/20-2/28/21).
Participate in a Biometric Health Screening at a participating Quest Diagnostics Lab or an At Home Self Collection test kit (between 12/15/20-2/28/21).
During the Biometric Screening, participate in a Nicotine Test and test negative for nicotine use.

OR you may choose NOT to participate in the Biometric Screening and instead choose to complete 4 Wellness Coaching sessions through Virgin Pulse.

Get started →

Wellness Update Video →
Biometric Screening Announcement →
FAQs →

	Activity #1: PHQ	Activity #2: Biometric Screening OR Coaching
Activity	PHQ Online Questionnaire	Option 1: Quest Patient Service Center Lab	Option 2: At Home Self-Collection Test Kit	Option 3: Complete 4 Wellness Coaching Sessions
Deadline	Complete between 12/15/2020 - 2/28/2021	Complete between 12/15/20 - 2/28/2021		Complete between 12/15/2020 - 5/4/2021 to avoid surcharges; complete by 9/30 to earn a refund

Rewards for participating in a wellness program are available to all eligible Team Members/spouses. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by a different means. Contact the Benefits Department. We will work with you (and, if you wish, with your doctor) to develop another way to qualify for the reward.

Know Where to Go

Use this table to help you understand where to go for medical care based on your needs, from free nurse advice to emergency room visits.

It guides you on when to use services like online doctor visits, office appointments, urgent care,
or the ER, so you can choose the best and most cost-effective option for your situation.

NurseLine

855-673-3063

Free with Cigna Medical

24/7 answers by phone from a nurse

Identify symptoms
Decide if immediate care is needed
Home treatment options and advice

Online Primary Care

$ Consider Teladoc

24/7 doctor consultation, no appointment needed

Urgent care conditions
Allergies
Insect bites
Mental health counseling
Conjunctivitis (pinkeye)
Sore throat
Rashes without fever
Sinusitis
Urinary tract infections

Online Urgent Care

$ Consider Teladoc

Conditions requiring prompt attention and can be treated remotely

Animal bites
Fever with no rash
Vomiting/persistent diarrhea
Abdominal pain
Wheezing/shortness of breath
Dehydration
Moderate cold/flu symptoms

Office Visit

Scheduled Appointment

Preventive care
Illnesses
Injuries
Chronic conditions
Mental health concerns

Traditional Urgent Care

$$$

Conditions requiring prompt attention

Stitches for small cuts
Sprains/strains
Animal bites
Minor burns
Fever with no rash
Vomiting/persistent diarrhea
Abdominal pain
Wheezing/shortness of breath
Dehydration
Moderate cold/flu symptoms
Sports injuries

Emergency Room

$$$$

Life-threatening conditions requiring immediate care

Chest pain or difficulty breathing
Weakness/numbness on one side
Severe cold or flu symptoms
Severe lacerations
Slurred speech
Severe abdominal pain
Broken bones/dislocated joints
Serious burns
Fever with rash
Fainting/seizures
Head/eye injuries
Facial lacerations
Vaginal bleeding in pregnancy

Teladoc Details

Virtual Primary Care

Virtual Primary Care (VPCP) Visit

24/7 Urgent Care

24/7 Urgent Care Visit

Medical Documents

Cigna HSA

Summary of Benefits and Coverage (SBC)

Plan Booklet

Other Documents

Other Documents

Prime Therapeutics Prescription Drug Plan

Prescription Drug Documents

Prime Therapeutics Prescription Drug Plan

HSA/FSA Documents

Health Savings Account

Dental Documents

PPO Low

Benefit Summaries

Other

Vision Documents

VSP Low

Benefit Summaries

Other

Life & Disability Documents

Life and AD&D

Benefit Summaries

Other Documents

Leave of Absence

Short-term Disability

Other Documents

Long-term Disability

Benefit Summaries

Other Documents

Work/Life Documents

Discount Programs

Other discounts through various providers:

Lyra Mental Well-being

LegalShield & Identity Theft

Family-Friendly Benefits Documents

Progyny Fertility

Helpful Links

Helpful Documents

Progyny Adoption, Surrogacy, & Doula Reimbursement

MilkStork

Veterinary Discount Plans

401(k) Documents

401(k) by Fidelity

COBRA, Compliance & Medicare

Consolidated Omnibus Budget Reconciliation Act (COBRA)

Medicare Documents

Compliance Documents

Summary Annual Report

Wellness Documents

Hydrate your Health Wellness

SOPs

401(k)

Dental

Leave of Absence

Medical

Midyear Changes

Savings/Spending Accounts

Tuition

Wellness

Workday

Tax Forms

Great News! We’re DOUBLING the HSA Match!

Plan Options Remain the Same for 2025

Long-term Disability (LTD) Plan Options

What is LTD?

What is changing?

Will I Need Evidence of Insurability (EOI)?

Pharmacy Benefit Changes

Changes to your Pharmacy Benefit Copays and Maximums

MagellanRx is now Prime Therapeutics No action required!

Wellness Program

Important Changes!

2025 Per Pay Period Contributions

2025

Benefits Center

Great News!
We’re DOUBLING the HSA Match!