Benefits for you and your family

You have access to a range of affordable benefits designed to protect your health, your family and your budget. Choose the coverage that fits your needs and enroll in just a few minutes.

  • Medical – preventive care, doctor visits, prescriptions and 24/7 virtual care
  • Dental – Delta Dental, with checkups and cleanings covered at 100% in-network
  • Vision – VSP eye exams, glasses and contacts
  • Term Life & AD&D – financial protection for the people who count on you
  • Accident, Critical Illness & Hospital – benefits to help with costs when the unexpected happens

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Minimum Essential Coverage
Minimum Essential Coverage offers WellCare, KeyCare, FlexCare and VitalCare, these plans give you everyday medical coverage, with preventive and wellness care covered at 100% and $0 virtual urgent care 24/7 through Recuro Health. WellCare covers preventive care plus a prescription discount program. KeyCare adds $25 primary care visits and prescription copays from $15. FlexCare adds $50 urgent care, plus discounts on specialist visits, labs and X-rays. VitalCare gives you the most coverage, with $25 primary care and specialist visits and $50 urgent care, labs and X-rays. Each plan only covers in-network services. To find a provider, visit multiplan.com/sbmapreventiveservices for WellCare, or multiplan.com/sbmaspecificservices for KeyCare, FlexCare and VitalCare.
SBMA WellCare Benefit Summary  plan description and overview
SBMA KeyCare Benefit Summary  plan description and overview
SBMA VitalCare Benefit Summary  plan description and overview
SBMA FlexCare Benefit Summary  plan description and overview
Dental
Delta Dental covers checkups, cleanings and X-rays at 100% when you see an in-network dentist, with no deductible. It also pays 80% of fillings, extractions and root canals, and 50% of major work like crowns, bridges, dentures and implants. You can choose the Delta 1000 plan ($1,000 annual maximum per person) or the Delta 1500 plan ($1,500 annual maximum per person). There are no waiting periods and you can see any dentist you want, but you’ll pay less in-network. To find an in-network dentist, visit deltadentalct.com/fad/search and choose the “Delta Dental PPO” network.
Dental 1000 Benefit Summary  plan description and overview
Dental 1500 Benefit Summary  plan description and overview
Vision
VSP Vision covers a yearly eye exam for a $10 copay, plus new lenses or contacts each year. You also get a $130 frame allowance every 24 months, or $70 at Walmart and Costco. To find an in-network eye doctor near you, visit vsp.com/eye-doctor.
Vision  plan description and overview
Term Life
Term Life with Accidental Death & Dismemberment (AD&D) gives your family financial protection if you die or are seriously injured in an accident. You can choose the $10,000 plan or the $20,000 plan. Your spouse and children are covered too: the $10,000 plan gives your spouse $5,000 and each child $2,000, and the $20,000 plan gives your spouse $10,000 and each child $5,000. Don’t forget to fill out and keep your own beneficiary form.
Term Life $10,000 Benefit Summary  plan description and overview
Term Life $20,000 Benefit Summary  plan description and overview
ExtraCare
ExtraCare Low helps with the cost of a hospital stay or surgery. It pays $2,000 when you’re admitted to the hospital or ICU (up to 3 admissions a year), plus $50 a day while you’re there (up to 30 days a year). It also pays up to $1,000 a year for inpatient surgery, and smaller amounts for outpatient surgery and anesthesia.
ExtraCare Low Benefit Summary  plan description and overview
Accident
Accident insurance pays set cash benefits when you’re hurt in an accident, for things like emergency room visits, fractures, hospital stays and surgery. You can choose the Mid plan for everyday protection or the High plan for bigger payouts on the same events. Both plans include $25,000 of accidental death and dismemberment coverage and a $50 wellness benefit.
Mid Accident Benefit Summary  plan description and overview
High Accident Benefit Summary  plan description and overview
Critical Illness
Critical illness insurance pays a benefit if you’re diagnosed with a covered condition such as invasive cancer, heart attack, stroke or end-stage renal failure. You can choose the $10,000 plan or the $25,000 plan. Spouses get the same amount as the employee and children get half. Both plans include a $50 annual wellness benefit for you and your spouse. Pre-existing conditions may apply.
Critical Illness  plan description and overview

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