Benefits
Benefits
Plan year September 1, 2026 – August 31, 2027
Everything you need to understand, choose, and use your eCapital benefits — all in one place.
Open any coverage line for a clear, plain-language summary and the documents that go with it.
Three medical plans through Meritain Health (an Aetna company), all on the Aetna Choice POS II open-access network: an
HSA plan
EPO
POS II
$0 employee-only coverage is available on both the HSA and EPO options.
Every plan includes free virtual primary care, mental health, and telemedicine through EVO Health, plus $0-cost MRI, CT, PET scans, and a broad range of outpatient surgeries through Valenz Health when you call first.
The EPO is in-network only. The POS II offers the same in-network benefits plus out-of-network coverage.
Two MetLife PPO options: — Standard and Enhanced — on the MetLife PDP Plus network, one of the largest dental networks in the nation.
New this year: four cleanings per calendar year on both plans, implant coverage on both plans, a $500 higher annual maximum ($2,000 Standard / $2,500 Enhanced), and adult orthodontia on the Enhanced plan with child ortho extended to age 26.
VSP vision coverage through MetLife:
$10 exam copay
$25 materials copay
$250 frame or elective contact allowance
The highest allowance any VSP plan offers ($270 on featured frames). Exams and lenses every 12 months, frames every 24.
In-network chains include Visionworks, Walmart, Sam’s Club, Costco, and Pearle Vision, and you can shop online at eyeconic.com.
eCapital provides employer-paid Life and AD&D insurance to all full-time team members at no cost to you: 1x your salary to a maximum of $250,000.
Benefits reduce 35% at age 65 and 50% at age 70.
Enrolling in MetLife life coverage also gives you free Will Preparation Services through MetLife Legal Plans.
You can elect additional life insurance in $10,000 increments up to the greater of 5x your salary or $500,000.
Spouse coverage is also available in $5,000 increments up to $250,000 (not to exceed 50% of your amount); and child coverage is $1,000–$10,000 by age.
Guarantee Issue at initial enrollment: $200,000 employee / $30,000 spouse.
Guarantee Issue is only available during your first open enrollment or new-hire window — electing later requires EOI.
Voluntary Short-Term Disability pays 60% of your weekly salary up to $2,000 per week (increased from $1,500) for up to 13 weeks.
Benefits begin on the 1st day for an accident and the 8th day for sickness.
Maternity leave benefit: 6 weeks for regular birth, 8 weeks for C-section.
3-month look-back / 12-month pre-existing condition exclusion applies.
Guarantee Issue up to $2,000 applies only at initial enrollment — later elections require EOI.
Voluntary Long-Term Disability pays 60% of your monthly salary up to $7,500 per month after a 90-day elimination period, continuing to Social Security Normal Retirement Age.
Own-occupation coverage for the first 24 months.
6-month look-back / 12-month pre-existing condition exclusion applies.
Cash benefits paid directly to you when an unexpected accident happens — covering deductibles, copays, lost income, or everyday bills.
Major enhancements this year: Hospital and ICU Admission benefits doubled to $3,000 and $6,000, daily Hospital and ICU stays nearly doubled to $500/day and $1,000/day, and fracture benefits increased (a hip fracture now pays $12,000).
Includes a $50 annual Wellness Benefit for completing a preventive screening.
A lump-sum cash benefit paid directly to you after a covered diagnosis such as heart attack, stroke, invasive cancer, kidney failure, or major organ transplant.
Elect $5,000–$20,000 for yourself; spouse and child coverage available (children added at no additional cost).
Includes a $50 annual Wellness Benefit.
Cash benefits paid directly to you during a covered hospital stay — Standard and Enhanced plan options paying $1,000/$2,000 on admission and $2,000 for ICU admission, plus new daily Hospital and ICU stay benefits and newborn nursery care.
A $50 annual Wellness Benefit has been added to both plans.
Benefits are paid to you — not your healthcare provider.
If you’re enrolled in MetLife voluntary life coverage, attorney fees for preparing or updating a will, living will, or power of attorney are fully covered through MetLife Legal Plans — for you and your spouse or domestic partner, with unlimited updates while you remain enrolled.
Living wills, codicils, testamentary trusts, and powers of attorney are included.
MetLife Pet Insurance covers the expected and unexpected: up to 90% reimbursement if your pet gets sick or injured (including exam fees), no breed or age exclusions, freedom to visit any licensed vet in the U.S., and 24/7 live vet chat.
Pre-existing conditions covered by a previous pet insurer are covered too.
Enroll at metlife.com/getpetquote54 or call (877) 591-1021.
This benefit is billed through your personal bank account, not payroll.
Tax-advantaged accounts administered by Optum Bank.
Health Savings Account (HSA) — pairs with the HSA medical plan. 2026 contribution limits: $4,400 individual / $8,750 family, plus $1,000 catch-up at age 55+. Triple tax advantage, and the money is yours to keep.
Healthcare & Limited Purpose FSA — 2026 limit $3,400 with up to $680 rollover into 2027. Dependent Care Account — up to $7,500 (single or married filing jointly).
Rightway replaces HealthJoy as your healthcare navigation partner — a team of real experts who find quality in-network providers, confirm appointment availability, explain your coverage and costs, and help you maximize your Medical, Prescription, Dental, and Vision benefits. Free and confidential.
Activate your Rightway account → or call (833) 307-9425.
Get common imaging (MRI, MRA, CT, PET) and a broad range of outpatient surgeries at $0 cost by calling Valenz before scheduling: (877) 438-5479.
A nurse navigator locates a facility, confirms details, and sends you a voucher that replaces your insurance card on procedure day.
HSA plan members must meet first-dollar coverage up to the IRS minimum before program incentives apply.
Free all-in-one virtual care for every employee enrolled in an eCapital medical plan:
24/7 everyday and urgent care
Virtual primary care
Talk therapy
Mental health medication management
Median wait time for Quick Care visits is 5 minutes, with urgent care treatment plans in about 7 minutes and therapy appointments in as little as 3 days.
Connect by chat, phone, or video.
A free, fully integrated cancer support program included in your health plan — from day one of a diagnosis through aftercare. Your own Oncology Nurse Expert, genetic testing fully covered when used for treatment planning, and access to national Centers of Excellence.
Register within 72 hours of a diagnosis for the highest care impact: (877) 640-9610 or cancercareprogram.com.
Prescription benefits are administered by SmithRx. Tiered copays apply by plan (see your plan’s pharmacy schedule), and 90-day mail order is buy-two-get-one-free.
Mail order partners: Amazon Pharmacy (register at amazon.com/smithrx), Walmart Pharmacy, and Mark Cuban Cost Plus Drugs for maximum savings on high-cost generics. Many brand-name drugs also offer manufacturer copay assistance — check the manufacturer’s site for savings cards.
Exclusive discounts on gyms and fitness centers (Planet Fitness, Anytime Fitness, and more), on-demand virtual fitness subscriptions, home equipment, mental health support, and 1-on-1 nutrition programs with Registered Dietitians.
Register at the HUSK Marketplace → using code P3555.
Identity and credit monitoring, US-based identity restoration support, device security with secure VPN, AI-powered scam detection, and financial insights — in Essential and Premier plans at benefit pricing about 60% below retail.
Already a LifeLock member? Cancel your existing membership just before your benefit effective date: (800) 607-9174.
Professional support and guidance for everyday life through TELUS Health — at no cost to you, in addition to your MetLife coverage. Up to 5 phone or video consultations per issue per year with licensed counselors for you and your eligible household members, 24/7/365, plus resources on family, work, money, legal matters, and health. Completely confidential. Call (888) 319-7819, or log on to one.telushealth.com (username: metlifeeap, password: eap).
See full plan details in your Benefit Guide →Save for retirement with pre-tax and/or Roth deferrals of 1%–100% of eligible compensation, with a Safe Harbor employer match of 100% up to 5% — and you’re 100% vested immediately. Eligible at age 21+ after 6 months of service.
2026 IRS limits: $24,500 elective deferral, $8,000 age-50+ catch-up, and $11,250 super catch-up at ages 60–63. High earners (2025 wages over $150,000) must make catch-up contributions on a Roth basis starting in 2026.
Access your account at Empower → Questions? Ryan McLaughlin, CGI Wealth Management: rmclaughlin@cgiwm.com, (603) 232-9317.
Where to go for care: from least to most costly — EVO Health virtual visit (free), your doctor’s office, CVS MinuteClinic ($0 on EPO/POS II), urgent care, then the ER. ERs should be reserved for true emergencies; non-emergent ER visits can cost 3–4x more than urgent care.
Making changes: elections are locked for the full plan year unless you have a qualifying life event (marriage, divorce, birth, adoption, loss of other coverage). You must notify the Employee Benefits Department within 30 days of the event.
Dependents: children are covered to age 26; coverage ends the last day of their birth month.
All of your benefit forms and documents, organized and searchable in one place.
Nothing matches — it may live under its coverage line above, or ask your benefits team and we’ll send it to you.
Eligible: Employees working 30+ hours/week: first of the month following date of hire
Juan Montenegro
Benefits Education Specialist(305) 676-0521juanm@allatlanticbenefits.com
Not a new hire but have a question? Contact your dedicated Benefits Team below.
The people who manage your benefits every day — reach any of us directly by phone or email.
Jacqueline Francois
Jr. Account Manager · AAB(305) 809-8211jacquelinef@allatlanticbenefits.com
TJ North
Benefits Consultant · AAB(305) 701-1076tjn@allatlanticbenefits.com
Haydee Millan-Feliz
Senior Account Manager · AAB(305) 809-8211haydeem@allatlanticbenefits.com
This page is looked after by your benefits team at All Atlantic Benefits, on behalf of eCapital. We’re your advocates — whatever the question, we’re in your corner.