Benefit Overview

Benefit Guide

Benefits 2025

As a valued teammate, you help shape and impact the quality of life for people throughout our company and our communities. 

As a team member you play an important role in our mission to lead healthcare transformation. Our company’s high quality, comprehensive benefits are among the rewards you receive in return. These benefits are an important part of your total compensation, and our benefits program provides choice and value to meet the needs of our diverse workforce. 

Choosing benefits can be overwhelming. We have equipped you with a 2025 Benefits Guide and this site which include tools and information to help you make the right choices for you and your family. They both offer comprehensive overviews of your health and welfare benefits and options, including details about eligibility, enrollment, and the plans available to you and your covered dependents. 

Your well-being is about more than just physical health. It includes your emotional, financial, and social wellness too. No matter where you are on your health and wellness journey, we are here to support you. 

Havco Human Resources

Insurance Terms

The plan’s share of the cost of covered services which is calculated as a percentage of the allowed amount. This percentage is applied after the deductible has been met. You pay any remaining percentage of the cost until the out-of pocket maximum is met. Coinsurance percentages will be different between in-network and non-network services.

  

A fixed amount you pay for a covered health care service. Copays can apply to office visits, urgent care or emergency room services. Copays will not satisfy any part of the deductible. Copays should not apply to any preventive services.

The amount of money you pay before services are covered. Services subject to the deductible will not be covered until it has been fully met. It does not apply to any preventive services, as required under the Affordable Care Act.

All plans are required to have an unlimited lifetime maximum. 

A provider who has a contract with your health insurer or plan to provide services at set fees. These contracted fees are usually lower than the provider’s normal fees for services.

The most you will pay during a set period of time before your health insurance begins to pay 100% of the allowed amount. The deductible, coinsurance and copays are included in the out-of-pocket maximum.

A process by your health insurer or plan to determine if any service, treatment plan, prescription drug or durable medical equipment is medically necessary. This is sometimes called prior authorization, prior approval or precertification.

The amount paid for medical services in a geographic area based on what providers in the area usually charge for the same or similar service.

Medical

The foundation of your plans to protect your family’s health.

Dental

Help you plan and budget for the costs of dental care.

Vision

Offset your costs for routine eye exams, glasses, contact lenses..

Hospital Indemnity

Pays directly to you if you are hospitalized so you can pay copays or unrelated bills.

Critical Illness

Supplemental coverage for medical emergencies like heart attacks, strokes, or cancer.

Accident

Protection that pays a lump sum if you have an unexpected accident to be used as you see fit.

Life and AD&D

Pays directly to you if you are hospitalized so you can pay copays or unrelated bills.

Disability

Supplemental coverage for medical emergencies like heart attacks, strokes, or cancer.

HSA

HSA dollars can be used to pay for qualified medical expenses
such as deductibles, copays, dental, and vision care.

LifeTime Benefit Term

Provides a lifetime guarantees at a fraction of the cost with great flexibility to customize your plan your way.

Retirement

A tax-advantaged retirement savings plan that allows employees to contribute a portion of their salary to invest for their future retirement income.

Eligibility

You may enroll if you are an active full-time employee working a minimum of 30 hours per week. Click here to learn more!

Two Ways to Enroll or Make Changes

Self Enroll Online

Enroll Online

Call Center Enrollment

Call: 314-827-0616

If you feel you have a good understanding of your benefits, enroll yourself online today!

Enrollment counselors are available
Monday – Friday, between 8am and 5pm central time to assist with your benefits.