Summary of Benefits
Benefits Summary (Production Employees)
You have an opportunity to become part of a competitive benefits plan. All regular full-time employees will become eligible for the health/prescription, dental and vision insurance the first of the month following 90 calendar days following date of hire.
We offer competitive weekly premiums for medical/prescription, dental and vision insurance:
| Employee Weekly Contributions | |||
|---|---|---|---|
| Medical | Dental | Vision | |
| Employee only (Tier 1) | $14.50 | $2.00 | $1.62 |
| Employee and spouse or domestic partner (Tier 2) | $23.50 | $3.00 | $3.16 |
| Employee with 2 or fewer children (Tier 3) | $21.50 | $3.00 | $3.44 |
| Employee with 3 or more children (Tier 4) | $21.50 | $3.00 | $3.44 |
| Family with 2 or fewer children (Tier 5) | $27.50 | $4.00 | $4.96 |
| Family with 3 or more children (Tier 6) | $27.50 | $4.00 | $4.96 |
Health Coverage
- Blue Cross/Blue Shield of MN is medical insurance provider
- PPO In-Network 90/10 after deductible met
- Out of Network 60/40 after deductible met
- Deductibles: $300 Single/$600 Family
- Out of Pocket Maximum In-Network: $2000 Individual/$4000 Family
- Preventative care coverage 100%
- Prenatal 100% coverage after deductible if enrolled in Healthy Start Prenatal support; otherwise 90% coverage
Prescription Drug Coverage
- Express Scripts is our prescription drug provider
- Competitive 30 day supply with minimum and maximum copay's:
- 25% coinsurance
- Generic $10 minimum; $25 maximum
- Preferred Brand $20 minimum; $60 maximum
- Non-Preferred brand $50 minimum; $100 maximum
- Competitive 90 day supply with a minimum and maximum copay:
- 25% co insurance
- Generic $20 minimum; $50 maximum
- Preferred Brand $40 minimum; $120 maximum
- Non-Preferred brand $100 minimum; $200 maximum
Dental Coverage
- Delta Dental is our dental provider
- No annual deductible
- 100% coverage for diagnostic & preventive dental care; 80% coverage for basic services & 50% major services (all in-network coverage’s)
Orthodontics are covered at 50% with a lifetime maximum of $2500.00 in-network.
Vision Coverage
- VSP is our provider
- We offer a vision plan 100% employee paid
Short Term Disability
- $275.00 per week
- Eligible after the 1st of the month following completion of 5 months of employment
- Pay begins 1st day of accident and 4th day of illness. Begins from 1st day visit/treatment by physician
- Maximum 18 week benefit
Life & Accidental Death Insurance
- $10,000.00 Life
- $10,000 Accidental Death and Dismemberment
401(K)
- Employees are eligible to participate in the Cargill Investment Plan
- 401K with a match. Match is 100% up to 3%.
- Immediately vested
| Note: |
This is merely a summary of some of the terms and provisions of CMS's group plan. It does not contain all of the details, exclusions, or limitations, which apply to coverage's. The group plan will be the controlling document. See benefit booklet or the union contract for more detailed information.