Your 2026–2027 Benefits
Everything you need to review, compare, and enroll in your benefits — all in one place.
Plan Year: June 1, 2026 – May 31, 2027
Everything you need to review, compare, and enroll in your benefits — all in one place.
Plan Year: June 1, 2026 – May 31, 2027
Welcome to your 2026–2027 benefits enrollment.
This site is your one-stop resource for the programs and support available to you as a valued member of the All Atlantic Benefits team. Inside, you’ll find the details you need to make informed decisions about your health, financial security, and overall well-being.
During the annual open enrollment period, you can make changes to your benefit elections and covered dependents. Take a few minutes to explore each benefit, watch any videos provided, and complete your elections by the deadline.
If you have questions, your benefits team is here to help — see the contact information below.
All Atlantic Benefits offers a comprehensive benefits package designed to support your health, financial security, and overall well-being. Full-time employees working 30 or more hours per week are eligible to enroll. Your coverage includes medical with bundled GAP protection, dental, vision, employer-paid life and disability, an Employee Assistance Program, voluntary supplemental coverage, emergency transportation, legal and identity protection, and a 401(k) retirement plan.
Use the sections below to review each benefit in detail, then complete your elections through Employee Navigator.
Two medical plans through UnitedHealthcare on the NHP HMO/POS Access network. Every plan includes Wellfleet GAP coverage at no extra cost (up to $2,000 toward deductibles and copays, 3× per family per year; $2,500 buy-up available).
| Feature | Choice HSA $6,500 Ded | Choice HMO $2,500 Ded |
|---|---|---|
| Network | NHP HMO/POS Access | NHP HMO/POS Access |
| Deductible (Single / Family) | $6,500 / $13,000 (embedded) | $2,500 / $5,000 (embedded) |
| Out-of-Pocket Max (Single / Family) | $8,500 / $17,000 (embedded) | $7,500 / $15,000 (embedded) |
| Coinsurance | — | 0% member coinsurance |
| Preventive Care | Covered 100% | Covered 100% |
| Primary Care / Office Visit | $75 after deductible | $25 copay |
| Specialist | $150 after deductible | $90 copay |
| Virtual Visits | $0 after deductible | Covered 100% |
| Urgent Care | $100 after deductible | $75 copay |
| Emergency Room | $750 after deductible | $650 copay |
| Hospital Inpatient | $1,000/stay after deductible | $750/day, 5-day max |
| Hospital Outpatient | $750 after deductible | $750 copay |
| Rx (Tier 1 / 2 / 3 / 4) | $10 / $40 / $140 / $300 after deductible | $10 / $40 / $140 / $300 |
| Dependent Age | Up to age 30, terminates end of month of birth date | Up to age 30, terminates end of month of birth date |
The HMO $2,500 plan is also available as a $2,500 GAP buy-up tier. Lifetime benefit maximum: unlimited. This is a brief summary; refer to your Certificate of Insurance for full details.
See a doctor whenever, wherever — online or via the UnitedHealthcare app, 24/7.
Telehealth specialist visits and PCP telehealth are also available — see the medical plan details for plan-specific costs. Available 24/7 at myuhc.com/virtualvisits.
Unum PPO Plan on the Unum Proprietary Dental Network.
| Feature | In Network | Out of Network |
|---|---|---|
| Individual Deductible | $25 | $100 |
| Family Deductible | $75 | $300 |
| Deductible Waived for Preventive | Yes | Yes |
| Annual Maximum | $2,500 | $2,500 |
| Preventive (Type 1) | 100% | 100% |
| Basic (Type 2) | 80% | 80% |
| Major (Type 3) | 50% | 50% |
| Orthodontia (Type 4) | 50% · adult & child · $2,000 ortho maximum | 50% · adult & child · $2,000 ortho maximum |
Endodontics, periodontics, and oral surgery are covered as Basic; implants as Major. Out-of-network reimbursement at MAC. No waiting period; rollover not included. Dependents covered to age 26, terminating end of month of birth date.
Unum Vision Plan on the Insight Network (EyeMed).
| Feature | In Network |
|---|---|
| Exam Copay | $10 copay |
| Materials Copay | $10 copay |
| Frequency (Exam / Lenses / Frames) | 12 / 12 / 12 months |
| Single / Bifocal / Trifocal / Lenticular Lenses | Covered in full after copay |
| Frames | $150 allowance, then 20% off balance |
| Contacts (elective) | $150 allowance |
Dependents covered to age 26, terminating end of month of birth date.
All Atlantic Benefits provides employer-paid Basic Life and AD&D to all full-time benefits-eligible employees.
Employer-Paid Basic Life & AD&D
Voluntary Life & AD&D — Employee
Voluntary Life & AD&D — Spouse
Voluntary Life — Child
Includes Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion. Voluntary coverage reduces 35% at age 70, 50% at age 75. Refer to your certificate for full details; exclusions may apply.
Employer-paid Short Term and Long Term Disability for permanent employees regularly scheduled to work at least 30 hours per week.
| Feature | Short Term Disability | Long Term Disability |
|---|---|---|
| Elimination Period | 14 days (accident & sickness) | 90 days |
| Maximum Benefit | 60% of weekly salary, up to $1,500 | 60% of monthly salary, up to $15,000 |
| Benefit Duration | 13 weeks | RBD to SSNRA |
| Pre-Existing Period | None | 3 months / 12 months |
| Own Occupation | — | Included with Residual |
Coverage is effective the first of the month following completion of your waiting period. Late entrants must complete satisfactory Evidence of Insurability.
A Health Savings Account is available when you enroll in the Choice HSA $6,500 Ded medical plan. An HSA lets you set aside pre-tax dollars for qualified medical, dental, and vision expenses. Funds roll over year to year and are yours to keep even if you change plans or employers. Current-year IRS contribution limits and account details are provided in your enrollment materials.
GAP coverage through Wellfleet (administered by Bay Bridge) is included with every UnitedHealthcare medical plan at no extra cost. It helps fill out-of-pocket gaps from deductibles and copays on covered medical expenses.
Voluntary Group Accident insurance through Trustmark pays cash benefits for covered on- and off-the-job accidents, in addition to any other coverage you have.
Voluntary Group Critical HealthEvents® with Cancer through Trustmark pays a lump-sum cash benefit after a covered diagnosis — use it for whatever you need, not just medical expenses.
The Preferred Legal Plan™ gives you and your whole household access to full-service legal representation across divorce, real estate, wills and probate, immigration, family law, criminal defense, traffic, landlord-tenant disputes, bankruptcy, litigation, and more.
Included:
IdentityWorks℠ — a part of Experian℠ (formerly Protect MyID) partners with the Preferred Legal Plan to provide world-class identity monitoring backed by Experian’s credit infrastructure.
Upon enrollment, you’ll receive a personalized code and step-by-step activation instructions through Experian’s portal.
MASA Medical Transport Solutions covers your out-of-pocket emergency transportation expenses. With MASA there is no “out-of-network” ambulance — just send them the bill.
Core — Emergent Plus (base voluntary tier):
Premium Upgrade — Emergent Premier Plus (adds 4 coverages + expanded territories):
Excluded state: Washington. Territory details apply by coverage type.
In addition to your core coverage, All Atlantic Benefits offers a range of voluntary benefits you can elect to fit your needs and budget:
Trustmark Life + Care — Permanent life insurance combined with long-term care in one plan. Pays cash benefits when you need help with at least 2 of 6 activities of daily living, or have severe cognitive impairment, after receiving caregiving services for more than 90 days. Certificate amounts in $25,000 increments; guaranteed issue. Example: a $100,000 certificate provides up to $200,000 in LTC benefits plus a $100,000 death benefit ($300,000 max total).
Unum Life Planning — Financial & Legal — When a loved one is terminally ill or passes away, you have automatic access to confidential financial and legal support at no extra cost as part of your Unum group life coverage. Call 1-800-854-1446 or visit unum.com/lifebalance.
Assist America Travel Assistance — If you have a medical emergency 100 miles or more from home, one call connects you to multilingual, medically certified support 24/7 anywhere in the world. Services include emergency medical evacuation, hospital admission assistance, prescription replacement, and more. US: 1-800-872-1414 · Reference Number: 01-AA-UN-762490.
Employee Assistance Program (Unum) — Confidential 24/7 support for stress, relationships, work conflicts, family issues, grief, and work/life needs (child/elder care, legal, financial, identity theft). Unlimited online/phone support plus up to 3 in-person visits at no cost. Call 1-800-854-1446 or visit unum.com/lifebalance. UnitedHealthcare medical members also have access to the UHC EAP (1-888-887-4114) — 3 free counseling sessions per incident per year. Use either or both.
401(k) Retirement Plan (Empower / HUB) — Eligible at age 21 with 3 months of service; quarterly entry. Employer contributes 3% of salary with immediate vesting. Pre-tax and Roth contributions; 2026 IRS limit $24,500 ($32,500 if age 50+). Loans and hardship withdrawals available. Enroll at empowermyretirement.com. Plan resource site: venrollment.com/v/all-atlantic-benefits.
Full-time employees working 30 or more hours per week are typically eligible for benefits. Eligible dependents generally include your spouse, children under 26 (natural, step, adopted, or under legal guardianship), and adult children over 26 who are unable to support themselves due to disability.
Changes to benefit elections outside of open enrollment require a qualifying life event reported to HR within 30 days:
The current plan year is June 1, 2026 – May 31, 2027. If you're a current eligible employee, your coverage continues throughout the plan year. If you're a new hire, your benefits start after your applicable waiting period of 60 days, and coverage is then effective the first of the month. See the New Hires section for details on what you'll need to enroll.
If you miss your initial enrollment window, you'll need to wait until the next Open Enrollment — or experience a qualifying life event (marriage, birth, etc.) within the past 30 days. Outside of those windows, mid-year benefit changes generally aren't allowed.
Most carriers offer ID cards through their member portal or mobile app within a few weeks of your enrollment. You can also reach out to the carrier directly using the contact information in the Carrier Directory. If you can't locate yours or have questions, contact your Benefits Team for help.
When your employment ends, your benefits will continue through the end of your termination month or until the date specified by your plan. You may be eligible to continue coverage through COBRA — your HR team will provide details and election forms. Reach out to your HR team for plan-specific information.
For claims questions, contact your carrier directly using the phone number in the Carrier Directory. For help understanding your benefits, deductible status, or what's covered, your Benefits Team can also assist.
Full-time employees working 30 or more hours per week are eligible for benefits upon satisfying the applicable waiting period of 60 days. Coverage is effective the first of the month following the end of your waiting period.
You have 30 days from your benefits eligibility date to enroll. Missed deadlines require waiting until next open enrollment or a qualifying life event.
Your dedicated enrollment support
A few things to know before you enroll:
| Name | Phone | |
|---|---|---|
| Brittany LeesOperations Specialist | brittanyl@allatlanticbenefits.com | (954) 379-2408 |
No carriers match your search.
UnitedHealthcare
Medical
(877) 797-8812
Visit site
UHC Rewards: earn up to $300 per plan year through the UHC app.
Empower Retirement
401(k)
(954) 706-7411
Visit site
Plan resource site: venrollment.com/v/all-atlantic-benefits
MASA
Emergency Transport
(800) 643-9023
Visit site
Excluded state: Washington.
Preferred Legal Plan
Legal & Identity
(888) 577-3476
Visit site
Includes IdentityWorks (a part of Experian).
UHC Rewards: earn up to $300 per plan year for completing healthy actions through the UnitedHealthcare app. Wellfleet GAP is administered by Bay Bridge (Payor ID 98585, claims@bbadmin.com). Assist America reference number: 01-AA-UN-762490.
