My Medical Benefits
Eligibility:
All full-time employees who work at least 30 hours per week are eligible for coverage the first of the month following 60 days of employment.
How to enroll:
Employees must submit the Cigna Medical Enrollment/Change form to Human Resources to enroll. This form is located under the Benefits Enrollment Form section on this page.
You have 30 days to enroll or waive coverage as a new hire. If you miss the new hire enrollment window, you must wait until the next open enrollment session to enroll in benefits unless you experience a qualifying event.
What happens if I leave Bascom Maple Farms?
In certain situations, you and your dependents may continue participating in medical and dental insurance through the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA provides a federal guarantee for the continuation of health insurance coverage after your employment ends. Depending on your circumstances, you can maintain your medical and dental coverage at your own expense for up to 18 or 36 months. If you choose to enroll in COBRA, you will be responsible for paying the full monthly premiums.
Summary of Benefits & Coverages (SBC)
Summary of Benefits (SOB)
Summary Plan Description (SPD)
Certificate Riders
Medical Contribution
Benefits Enrollment Form
Cigna Digital ID Cards
Pharmacy Information
Helpful Resources
My Telehealth Benefits
Employees enrolled in the Cigna medical plan have access to telehealth services through MDLive. You can consult with a board-certified physician via phone or video conference for convenient care regarding minor conditions and symptoms.
It is recommended that you register now to streamline the process when you need to obtain a consultation in the future.
Virtual wellness screenings through MDLive are covered at 100% as a preventive care service under both the High and Low plans.
For more information about copays, deductibles, or coinsurance that may apply, please refer to the Benefits Summary for both the High and Low plans.
My HRA
Bascom Maple Farms generously offers an HRA to assist employees with deductible-eligible expenses. The HRA applies to both plans, and you are automatically enrolled when you enroll in one of Bascom’s medical plans.
The HRA is administered by Cigna, which will automatically apply HRA funds to your claims when applicable. No action is required from you to activate this benefit.
Unused HRA funds at the end of a plan year will be forfeited.
My HSA
Eligibility:
If you are enrolled in Bascom’s Cigna Open Access Plus 5000 HSA (High Plan) and have no other first-dollar medical coverage, you may be eligible to contribute to and receive contributions to your personal Health Savings Account (HSA). First-dollar medical coverage includes Medicare, Medicaid, VA Benefits, another health insurance plan, and a full-purpose FSA.
What is a Health Savings Account (HSA)?
An HSA is a tax-advantaged personal savings account that can be used to pay for medical, dental, vision, and other qualified expenses now or later in life.
You can use the money tax-free to pay for eligible expenses for yourself and tax dependents such as:
- Copays & Deductibles
- Prescriptions
- Dental Care
- Contacts & Eyeglasses
- Hearing aids
- Laser Eye Surgery
- Orthodontia
- Chiropractic care
Unused funds roll over and accumulate year after year. There is no “use it or lose it” provision.
How do I open an HSA account?
To open an HSA account, contact your current financial institution and ask if they offer an HSA. If they do, you can request to open an account with them.
Where can I open an HSA account?
Local options include:
Mascoma Savings Bank
Claremont Savings Bank
Savings Bank of Walpole
Alternative options – Online only:
Health Equity
Fidelity Investments
How do I contribute to my HSA?
You may contribute via payroll deductions, or by making periodic direct contributions from your personal banking account. Please reference HSA contribution limits chart for more information on how much you can contribute in the plan year.
After opening an account:
- Contact Human Resources to setup direct deposit with your HSA account information.
- Elect how much you would like to contribute per pay on a pre-tax basis up to the IRS max contribution limit. Please reference the HSA Contribution Limit chart for more information.
- Access your funds at any time to pay for qualifying medical expenses via your HSA debit card.
HSA Contribution Limits
Financial Institutions
The following financial institutions offer Health Savings Accounts near Alstead, NH. Click on the institution’s name to be directed to their website.
Alternative options – Online Only: Click on the institution name to be directed to their website
My Dental Benefits
Bascom Maple Farms offers one dental plan that is administrated by Cigna.
Eligibility:
All full-time employees who work at least 30 hours per week are eligible for coverage the first of the month following 60 days of employment.
How to enroll:
To enroll, employees must submit the Cigna Dental Enrollment form to Human Resources. This form is located under the Dental Enrollment Form section on this page.
You have 30 days to enroll or waive coverage as a new hire. If you miss the new hire enrollment window, you must wait until the next open enrollment session to enroll in benefits unless you experience a qualifying event.
Plan Documents
My Vision Benefits
Bascom Maple Farms offers one vision plan through Cigna. This plan is for exam-only coverage and does not cover hardware (i.e., frames, lenses, etc…). You must be enrolled in the medical plan to take advantage of the limited vision benefit.
Eligibility:
All full-time employees who work at least thirty (30) hours per week are eligible for medical coverage on the first of the month following 60 days.
Please note:
Cigna Vision is serviced by EyeMed and please be aware that the Cigna Vision network is different from the networks supporting the health/medical plan.
In-network coverage includes:
One vision and eye health evaluation including but not limited to eye health examination, dilation, refraction, and prescription for glasses. Please note that coverage may vary at participating discount retail and membership optical locations. Please contact customer service for specific coverage information.
Find a Vision Provider:
Website: www.cigna.com > Find a Doctor, Dentist, or Facility
Under “Additional Resources” select Cigna Vision Directory (Serviced by EyeMed)
Search by Zip code to find a provider closest to you.
Contributions:
Your vision benefit is included in the cost of your medical weekly payroll deductions
Plan Information
My Group Life and AD&D Benefits
Life and AD&D insurance can reduce financial stress when a family is faced with the premature death or disability of a wage earner. To help employees during critical times of need, Bascom Maple Farms provides employer-paid Group Life and AD&D insurance to employees.
Eligibility
All full-time employees who work at least thirty (30) hours per week and have completed 60 days of continuous employment will be automatically enrolled in Group Life and AD&D.
Forms and Plan Information
Contributions
Your Group Life Insurance plan is covered 100% by the company.
My Voluntary Life and AD&D Benefits
Life and AD&D insurance can reduce financial stress when a family is faced with the premature death or disability of a wage earner.
Bascom Maple Farms offers their employees the option of enrolling in Voluntary Life and Accidental Death & Dismemberment benefits. The cost of this plan is based on age. Please see the plan certificates for detailed information.
Eligibility
All full-time employees who work at least thirty (30) hours per week and have completed 60 days of continuous employment to participate in Voluntary Life and AD&D.
Benefit Amount
Employees may choose up to a maximum of $300,000 in Life Insurance benefits. For amounts exceeding $150,000, evidence of insurability is required.
You can choose spouse coverage up to a maximum of $100,000. For coverage exceeding $30,000, evidence of insurability (EOI) is required.
If you elect child coverage, your child(ren) is covered until age 26.
For details about your costs, please refer to the Employee/Spouse/Child Rate charts in the contributions section of this page. Additionally, feel free to reach out to Human Resources for further information.
Weekly Contributions
Age Banded Rates – 100% employee paid
Forms and Plan Information
My Short and Long-Term Disability Benefits
Disability insurance can reduce financial stress when a family is faced with the premature death or disability of a wage earner. To help employees in critical times of need, Bascom Maple Farms provides employer-paid short- and long-term disability insurance. Please see the plan certificates for detailed information.
Eligibility
All full-time employees who work at least thirty (30) hours per week and have completed 60 days of continuous employment will be eligible for coverage under the short and long-term disability plans.
Contributions
This is 100% Employer paid.
Short Term Disability
Long Term Disability
My EAP Benefits
Life can be unpredictable, and it isn’t always easy. That is why it is important to know that help is available when you need it. Bascom Maple Farms provides eligible employees enrolled in Life & Disability coverage with access to Principal’s Employee Assitance Program (EAP). This is a free, confidential resource designed to help you navigate life’s everyday challenges, as well as more complex ones.
In-person or virtual counseling
One valuable way to work through personal or work issues is by talking with a professional. You and your family can meet with a licensed EAP professional in person, via text message, or by live chat, video, or phone sessions. Three counseling sessions per year are included.
Legal Services
Receive a free 60-minute consultation to help deal with issues such as car accidents or family law.
Financial Wellness
Receive three free 30-minute consultations. This may include help with budget planning, debt consolidation, or retirement planning.
Identity Theft Services
Receive a free 60-minute consultation to help restore your identity if stolen.
Work-life Web Services
You and your family can access webinars, live talks, and articles on topics such as child and elder care, education, parenting, and more.
Will & Document Center
Provided by ARAG. With ARAG’s online resources, you and/or your spouse can prepare these documents:
- Standard Will
- Living Will
- Health care power of attorney
- Durable power of attorney
- Authorization for a Minor’s Medical Treatment
- HIPPA authorization
To get started with the Will & Document Center:
1. Visit aragwills.com/principal
2. Register by completing the required fields
3. You’re in! Complete the forms or download the materials you need
Need help with ARAG registration?
Call ARAG customer care at (800) 546-3718
Questions about the Will & Document services?
Call Principal at (866) 539-1728
EAP Available 24/7/365
Phone: (800) 450-1327 | TTY: 711 Website: http://Member.MagellanHealthcare.com
When you create a free account, enter Principal Core as the program name.
Contributions
This is 100% Employer paid.
Helpful Resources
SmartConnect - Medicare Resource
Bascom Maple Farms has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether an employee plans to continue working or is transitioning to retirement, we tailor solutions designed around their needs. Our agents provide an unfiltered view of the entire range of options and prices available to the employee.
SmartConnect Contact Information
For more information or to get started, please click on the following link:
Additional Information
My Tuition Assistance Benefits
Bascom Maple Farms tuition assistance program is designed to help employees pay back student loan debt and improve their financial well-being.
Utilizing the relationship with The Richards Group, consultation services provided through GradFin are provided free of charge. GradFin is a new employee benefits program revolutionizing how employees can reduce their student loan debt.
GradFin will provide:
- One-on-one education consultations with GradFin Consultation Experts to review your current loan status and discuss personalized payoff options to save on your loans.
- GradFin will offer a competitive interest rate reduction when you refinance your loans.
- GradFin will offer the lowest interest rates in the industry through their lending platform which is made up of ten lenders to maximize the chances that you will be approved for a new loan.
- For more information or to schedule a one-on-one consultation visit: http://www.gradfin.com/platform/trg
Phone: (844) GRADFIN
Website: http://www.gradfin.com/platform/trg
The Wellness Outlet
Bascom Maple Farms offers employees discounts through the Wellness Outlet!
Enter account code RICHARDSGRP at The Wellness Outlet for access to discounts of 18-40% off retail price of fitness trackers from Fitbit and Garmin, plus free shipping to your home.
Website: https://www.thewellnessoutlet.com/