Benefits Administration – Health & Benefits Program

Major Medical Plans

National and Regional Carriers (availability varies by region):

  • Aetna
  • Alliance Health Plan
  • Blue Cross Network (BCN)
  • Blue Cross Blue Shield of Michigan
  • Anthem Blue Cross Blue Shield
  • Empire Blue Cross Blue Shield
  • Harvard Pilgrim
  • Kaiser Permanente
  • Midwest Security
  • Neighborhood Health Partnership (NHP)
  • Oxford
  • PacifiCare
  • Tufts
  • United HealthCare
  • WellPoint Blue Cross Blue Shield

Choice of plan designs (availability varies by carrier):

  • Health Maintenance Organization (HMO) and Open Access Products
  • Preferred Provider Organization (PPO)
  • Point of Service (POS)
  • High Deductible Health Plans (HDHPs) (meeting federal requirements so participants can contribute to Health Savings Accounts (HSAs))

Dental and Vision Plans

National and Regional Carriers (availability varies by region):

  • Aetna
  • CompBenefits
  • Guardian

Choice of plan designs (availability varies by carrier):

  • Dental Health Maintenance Organization (DHMO)
  • Dental Preferred Provider Organization (PPO)
  • Indemnity Plan

Prescription Drug Program (availability through medical carrier)

  • Participating Network of Pharmacies
  • Mail-Order Program

Basic Life and AD&D Insurance

Short- and Long-Term Disability

Flexible Spending Plan

  • Medical Reimbursement Account (MRA)
  • Dependent Care Reimbursement Account

Voluntary Benefits

  • Group Universal Life Insurance
  • Voluntary Accidental Death & Dismemberment (AD&D) Insurance
  • Long-term Care Insurance
  • Legal Services
  • Auto and Home Insurance
  • Pet Insurance

COBRA/HIPAA Administration

Term Life Insurance

401(k) Multiple Employer Retirement Plan(in partnership with MassMutual)

A 401(k) plan is among the most sought-after employee benefits. The ADP TotalSource Retirement Savings Plan provides the small- to mid-size business with four plan options:

  • Safe Harbor Base. Employer contributes 3% of eligible compensation to all participants.
  • Safe Harbor Match. Employer matches up to 4% of eligible compensation deferred by participants.
  • Discretionary 401(k). Employer contribution optional.

Employee Assistance Program (EAP)

The ADP TotalSource EAP offers confidential counseling and guidance through difficult, personal issues such as marital or family problems, drug or alcohol abuse, financial crisis, legal issues, or mental health concerns. Key elements of the ADP TotalSource EAP include:

  • Complete Confidentiality
  • Around-the-Clock Access
  • High-Quality Provider Network
  • Training and Orientation

Employee Perks & Discounts

  • Electronics
  • Wireless Services
  • Health & Fitness Programs
  • Day Care Centers
  • Health Clubs
  • Movie Tickets
  • Wholesale Clubs
  • Training
  • .. and we are always adding more.