Your 2025–2026 Benefits
Benefits for the people who make benefits happen.
Plan Year: June 1, 2025 – May 31, 2026
Benefits for the people who make benefits happen.
Plan Year: June 1, 2025 – May 31, 2026
Welcome to your Benefits Guide!
This resource provides an overview of the programs and support available to you as a valued member of our team. Inside, you'll find important details to help you make informed decisions about your health, financial security, and overall well-being.
During our annual open enrollment, you are able to make changes to your benefit elections and covered dependents. Outside of open enrollment, we can only accept changes if you experience a qualifying event — please notify Veronica Ferrari within 30 days.
If you have questions about your benefits at any time, your AAB benefits team is here to help. We're glad to have you with us.
Your AAB benefits package is 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.
What's included:
Enroll online through Employee Navigator using company identifier AllAtlanticBenefits. New hire enrollment must be completed within 30 days of your eligibility date.
UnitedHealthcare — (877) 797-8812 · myuhc.com
All Atlantic Benefits offers two medical plan options through UnitedHealthcare. Both plans use the same UHC provider networks and include preventive care at 100% in-network. Virtual care is available through HealthiestYou (by Teladoc) on either plan.
Plan 1: Choice Plus HSA $6,350 Deductible (HDHP) — A high-deductible health plan that pairs with a Health Savings Account. After meeting your deductible, in-network services are covered at 100%.
| Feature | In-Network | Out-of-Network |
|---|---|---|
| Network | Choice Plus | Choice Plus |
| Deductible (Individual / Family) | $6,350 / $12,700 (embedded) | $12,700 / $25,400 (embedded) |
| Coinsurance | 0% | 50% |
| Out-of-Pocket Maximum (Ind / Family) | $6,350 / $12,700 | $25,400 / $50,800 |
| Preventive Care | Covered 100% | 50% after deductible |
| Primary Care / Specialist | 0% after deductible | 50% after deductible |
| Urgent Care | 0% after deductible | 50% after deductible |
| Emergency Room | 0% after deductible | 0% after deductible |
| Prescriptions (CVS & Walgreens ADV) | 0% after deductible | — |
Plan 2: Choice HMO $2,000 Deductible (with Gap Reimbursement) — An HMO plan paired with a Wellfleet supplemental gap product that reimburses up to $2,000 per covered person (3 times per family) of your out-of-pocket exposure on covered services.
| Feature | In-Network Only |
|---|---|
| Network | Choice |
| Deductible (Individual / Family) | $2,000 / $4,000 (embedded) |
| Out-of-Pocket Maximum (Ind / Family) | $4,000 / $8,000 |
| Maximum Gap Reimbursement | $2,000 per person, 3 times per family |
| Preventive Care | Covered 100% |
| Primary Care | $25 copay (gap reimb up to $2,000) |
| Specialist | $75 copay (gap reimb up to $2,000) |
| Virtual Visits | Covered 100% |
| Telehealth (PCP / Specialist) | $25 / $75 copay |
| Urgent Care | $50 copay (gap reimb up to $2,000) |
| Emergency Room | $300 copay + deductible (gap reimb up to $2,000) |
| Prescriptions | $10 / $35 / $75 / $250; Specialty: $10 / $150 / $350 / $500 |
Member resources:
HealthiestYou by Teladoc — included with UnitedHealthcare medical coverage. 1-866-703-1259 · member.healthiestyou.com
Convenient, confidential virtual care 24/7 with U.S. board-certified physicians. Schedule a phone or video visit to be diagnosed, treated, and (when appropriate) prescribed medication for conditions like the flu, sinus infections, rashes, and more. Virtual care includes general medical, dermatology, mental health, and back & neck care.
Also through HealthiestYou:
Download the HealthiestYou app or visit the website to set up your account.
Unum Dental — (888) 400-9304 · unumdentalcare.com
| Feature | In-Network | Out-of-Network |
|---|---|---|
| Network | Unum Proprietary Dental Network | — |
| Annual Deductible (Individual / Family) | $25 / $75 | $100 / $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) — Adult & Children | 50% | 50% |
| Orthodontia Lifetime Maximum | $2,000 | $2,000 |
| Implants | Major | Major |
| Out-of-Network Reimbursement | — | MAC |
| Waiting Period | None | None |
Dependent children covered up to age 26; benefits terminate at the end of the birth-date month.
Unum Vision (administered by EyeMed) — (855) 652-8686 · eyemedvisioncare.com/unum
| Feature | In-Network |
|---|---|
| Network | Insight Network |
| Exam Copay | $10 |
| Materials Copay | $10 |
| Frequency (Exam / Lenses / Frames) | 12 / 12 / 12 months |
| Single, Bifocal, Trifocal, Lenticular Lenses | Covered in full after copay |
| Frames Allowance | $150 + 20% off balance |
| Contacts (elective, in lieu of glasses) | $150 allowance |
Dependent children covered up to age 26; benefits terminate at the end of the birth-date month.
Unum — (800) 275-8686 · unum.com
Employer-Paid Basic Life & AD&D — Provided by All Atlantic Benefits at no cost to eligible full-time employees:
Voluntary Life & AD&D — Optional coverage you can purchase for yourself, your spouse, and your children:
Includes Accelerated Death Benefit, Waiver of Premium, Portability, and Conversion. Voluntary coverage reduces 35% at age 70 and 50% at age 75. Rate information is in your Employee Navigator enrollment kit.
Unum — (800) 275-8686 · unum.com
Both short-term and long-term disability coverage are employer-paid for eligible full-time employees.
Short-Term Disability (STD)
Long-Term Disability (LTD)
Eligibility: permanent employees regularly scheduled at least 30 hours per week, actively at work on the coverage effective date. Late entrants must complete Evidence of Insurability.
Wellfleet Limited Benefit Group Supplemental Insurance (administered by Bay Bridge Administrators) — paired with the Choice HMO $2,000 Deductible medical plan. (800) 845-7519 · portal.bbadmin.com · Payor ID: 89486 · Effective 06/01/2025.
This supplemental coverage helps fill out-of-pocket gaps from deductibles and copays under your major medical plan.
Benefit: $2,000 per covered person, 3 times per family.
Examples of covered services:
A qualified major medical plan must be in place during the period of coverage.
Trustmark Hospital Indemnity — includes a $100 wellness benefit. Visit trustmarkbenefits.com.
Lump-sum benefits help cover the medical and daily living expenses that come with a hospital stay.
Trustmark Group Accident Insurance — includes a $100 wellness benefit. Visit trustmarkbenefits.com.
Pays benefits for on- and off-the-job accidents, in addition to any other coverage you have. Covered events include accidental death, dismemberment, dislocation or fracture, initial hospital confinement, hospital confinement, intensive care, ambulance service, medical expenses, and outpatient physician’s treatment.
Trustmark Group Critical Illness with Cancer — includes a $100 wellness benefit. Visit trustmarkbenefits.com.
Pays a lump-sum cash benefit after a covered diagnosis. Funds can be used for non-medical expenses that health insurance might not cover.
| Coverage | Benefit Options |
|---|---|
| Employee | $10,000 · $15,000 · $20,000 · $25,000 · $30,000 |
| Spouse (50% of employee’s coverage) | $5,000 · $7,500 · $10,000 · $12,500 · $15,000 |
| Child (each) | 25% of employee’s principal sum, up to $7,500 — from birth through age 26 |
Preferred Legal Plan — $13.95/month · (888) 577-3476 · preferredlegal.com
Full-service legal representation across a wide range of matters — divorce, traffic tickets, real estate, bankruptcy, wills, probate, DUI, immigration, credit issues, child support, custody and visitation, garnishments, loan modifications, foreclosures, criminal defense, litigation, small claims, personal injury, landlord-tenant disputes, and more.
IdentityWorks (a part of Experian) — offered through Preferred Legal Plan. (888) 577-3476
What’s included:
Upon enrollment, you receive a personalized code and step-by-step activation instructions via Experian’s portal.
MASA Access — (800) 643-9023 · masaaccess.com
Comprehensive coverage for emergency medical transport. With MASA, there is no “out-of-network” ambulance.
Emergent Plus (employer-paid) — U.S. and Canada coverage:
Emergent Premier (optional buy-up: $5/month) — everything in Emergent Plus, plus:
Emergent Premier is not available in Washington.
Additional voluntary coverage is available through Trustmark, MASA, Preferred Legal Plan, and IdentityWorks. Each is described in the sections below.
Employee Assistance Program (EAP) — through Unum (HealthAdvocate). Toll-free 24/7 access: 1-800-854-1446 (multi-lingual) · unum.com/lifebalance
Confidential, no-cost support for you, your spouse or domestic partner, dependent children, and parents/parents-in-law. A Licensed Professional Counselor can help with stress, depression, anxiety, relationship and family issues, work conflicts, grief and loss, and more. Includes up to 3 in-person visits at no cost per issue, unlimited phone and online support, monthly webinars, and the Medical Bill Saver service.
Work/Life Balance Services — Specialists can help with child care, elder care, legal questions, identity theft, financial services, debt management, and more.
Life Planning Financial & Legal Resources — Master’s-level consultants provide support during a terminal illness or after the loss of a covered employee, including estate settlement, Social Security guidance, cash flow, taxes, and investment planning. Available 24/7/365 at 1-800-854-1446.
Travel Assistance (Assist America, provided through Unum) — Within the U.S.: 1-800-872-1414 · Outside the U.S.: +1-609-986-1234 · medservices@assistamerica.com · Reference Number: 01-AA-UN-762490. Available whenever you travel 100+ miles from home: hospital admission assistance, emergency medical evacuation, prescription replacement, transportation for a friend or family member to join a hospitalized patient, care and transport of unattended minor children, passport replacement, legal and interpreter referrals, and 24/7 access to English-speaking medical providers worldwide. Download the Assist America Mobile App from the App Store or Google Play.
401(k) Retirement Plan (Empower Retirement, through BLS Financial)
BLS Wealth Management Team:
Plan summaries, forms, and resources for your reference.
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, 2025 – May 31, 2026. 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 First of the month following 60 days of employment, and coverage is then effective Coverage becomes effective on the first day of the month following 60 days of continuous full-time employment. The 401(k) plan has its own eligibility rules — see the 401(k) section for details.. 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 First of the month following 60 days of employment. Coverage is effective Coverage becomes effective on the first day of the month following 60 days of continuous full-time employment. The 401(k) plan has its own eligibility rules — see the 401(k) section for details. 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
Qualifying life event? Notify Veronica within 30 days.
| Name | Phone | |
|---|---|---|
| Veronica FerrariVP, Benefits Consultant | veronica@allatlanticbenefits.com | (305) 989-4676 |
No carriers match your search.
WellNet Healthcare
Medical TPA
(267) 348-3492
Visit site
Phone is the shared WellNet Advocacy line, also used for Cigna member support; advocacy@wellnet.com is the support email.
Mutual of Omaha
EAP
(800) 316-2796
Visit site
Preferred Legal Plan
Legal
(888) 577-3476
Visit site
Legal plan at $13.95/month
