Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following date of hire (for exempt employees), or on the 1st day of the month following 30 days of employment (for non-exempt employees).

Summary of Benefits and Coverages

HCP Packaging offers three medical plans for employees to choose from – Gold, Silver and Bronze. These plans offer varying deductibles, out of pocket maximums, coinsurance and co payments for services depending on which plan is selected.

The chart below provides a high level overview of the medical plan design and features.

Contributions & Rates

Carrier Contact Information

Cigna: Medical Insurance

Customer Service: 800-244-6224
Website: www.mycigna.com

Click here for the Cigna Provider Directory

Click here for the Cigna Formulary Drug List

Documents

Transparency in Coverage

By clicking on the button below, you will be led to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Employees enrolled in the medical plans offered by HCP Packaging can access telehealth services to treat minor medical conditions like colds, flus, sore throats, allergies and more. Cigna’s telehealth services allow employees to connect with a board-certified doctor via video or phone. Any payments for these services are automatically applied to the out-of-pocket maximum under your plan. For more information or to register for telehealth services go to www.mdliveforcigna.com

Help Center Contact Information

MD live for Cigna: Telehealth Benefit

Customer Service: 888-726-3171
Website: www.mdliveforcigna.com

Flexible Spending Accounts

Flexible Spending Accounts provide you with an important tax advantage that can help pay healthcare and dependent care expenses on a pre-tax basis. By anticipating health care & dependent care costs for the next year & setting aside money, employees can lower their taxable income and pay for qualified expenses. FSA and DCA accounts are administered by HRC Total Solutions.

Flexible Spending Medical Account (FSA)

In 2024, the maximum an employee can contribute to an FSA is $3,200. The maximum carryover amount is $640.

This program allows employees to use pre-tax dollars for IRS-approved expenses such as medical deductibles, copayments/coinsurance, prescription copays, hearing aids, and dental services.

For a complete list of eligible FSA expenses please visit: https://www.hrcts.com/fsaeligibilitylist

Dependent Care Account (DCA)

In 2024, the maximum amount an employee can contribute to a DCA is $5,000 (for single or married filing jointly) or $2,500 (if married and filing separately).

The DCA allows employees to use pre-tax dollars to fund qualified dependent care such as daycare for children under age 13 or elder care.

For a list of eligible Dependent Care expenses please visit: https://www.fsafeds.com/explore/dcfsa/expenses?take=100

HRC Total Solutions – Set up your Online Account

Employees who participate in an FSA and/or a DCA will be issued a debit card to pay for eligible expenses, or they can pay out-of-pocket and submit a claim form for reimbursement. Employees will be responsible for managing their FSA accounts on the HRC Total Solutions website.

For instructions on retrieving your username, creating an account password, and entering new user security questions to complete your online account profile, please go to our online account set-up page at the link below.

Please note: your online account will be available within 30 days of your plan effective date. If you already have an account you can login at the link below.

HRCTS Mobile App

You can download the HRC Total Solutions App and check your balance and final filing date, submit claims, and upload receipts on any android or iOS device. You can view all claims requiring receipts, and submit new receipts by taking a picture with your mobile device.

Automatic Phone System

You can access your available balance, final filing date, final service date, eligible amount, and your most recent transactions all from a toll-free automated phone service. This service is available 24/7 to all participants enrolled in an FSA or DCA plan. Just select option 6 when calling HRCTS, or you can reach the service directly by calling 877-415-8093. Please note, you will need to have a phone number on file in your online account, along with your zip-code to access this service. 

Contributions

Made By Employees

Carrier Contact Information

HRC Total Solutions: Flexible Spending Accounts

Customer Service: 603-647-1147 / FAX: 866-978-7868
Website: www.hrcts.com

Email: customerservice@hrcts.com

Forms and Plan Documents

Additional Information

HCP Packaging has entered into a partnership with Health-E Commerce, also known as the FSA Store. This gives you access to hundreds of products that have been pre-vetted & approved for use with your Flexible Spending Accounts.

Did you know you could use your FSA to save money on everyday health essentials like baby health items, health trackers, pain relief products and more?

Here are just a few benefits of using the FSA Store:

• No Receipts Needed
• 2,500+ FSA Eligible Products
• 100% Eligibility Guaranteed
• Skip the claims process when you use your FSA card

This partnership also allows access to their Caring Mill products. Caring Mill is a line of premium healthcare products that support a healthy lifestyle and on average is priced 30% less than branded equivalent products.

With every Caring Mill purchase, a donation is made to Children’s Health Fund, providing necessary treatments to thousands of children in need, throughout the United States.

Curious what your FSA dollars can cover? Simply enter the product you are looking for in the eligibility list below.

To access the FSA Store please visit: https://fsastore.com

Additional Information

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following date of hire (for exempt employees), or on the 1st day of the month following 30 days of employment (for non-exempt employees).

HCP Packaging offers benefit eligible employees the choice between two dental plans which have varying coverage levels through Northeast Delta Dental.

The chart below provides a high level overview of the dental plan design and features.

Contributions & Rates

Carrier Contact Information

Delta Dental: Dental Insurance
Customer Service: 1-800-832-5700
Website: www.nedelta.com

Please click here for the Northeast Delta Dental Provider Directory

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following date of hire (for exempt employees), or on the 1st day of the month following 30 days of employment (for non-exempt employees).

Summary of Benefits and Coverages

HCP Packaging offers employees vision coverage through VSP.

The chart below provides a high level overview of the vision plan design and features.

VSP provides some reimbursement coverage for out of network vision services. For a complete listing of network providers go to www.vsp.com

Extra savings available on featured frame brands, sunglasses, retinal screening and laser vision correction.

Please see plan document linked under Forms and Plan Documents for additional details.

Contributions & Rates

Carrier Contact Information

VSP: Vision Insurance
Customer Service: 800-877-7195
Website: www.vsp.com
Click here for the VSP Provider Directory

Forms and Plan Documents

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 30 days of employment.

Summary of Benefits and Coverages

HCP Packaging provides benefit-eligible employees with the core benefits of life insurance and accidental death & dismemberment insurance. In addition to these core benefits, employees can supplement their plans by purchasing voluntary life insurance to cover themselves and their families.

Below is an outline of the coverages available under each plan.

Basic Term Life & AD&D Insurance:

• 100% funded by HCP Packaging
• Coverage is equal to 1x earnings to a maximum of $125,000
• At age 65, original benefit amount will be reduced by 35%; at age 70 by 60% and at age 75 by 75%

Voluntary Life & AD&D Insurance:

• 100% employee funded
• Eligible employees may purchase coverage on themselves from $10,000 up to $300,000 in increments of $10,000 (not to exceed 3x their annual earnings); Guaranteed issue amount: $60,000
• Employees may purchase coverage for their spouse from $5,000 up to $100,000 in increments of $5,000 (can not exceed 50% of employee coverage amount); Guaranteed issue amount $30,000
• Employees may purchase coverage for their dependent children in the amount of $10,000 for each child age 6 months to age 26; No medical information is required

Carrier Contact Information

The Hartford: Life, Optional Life & Disability Insurance
Customer Service: 800-523-2233 (Life, Optional Life, LTD & STD)
Website: www.thehartford.com

Contributions

Basic Life & AD&D is 100% paid for by HCP Packaging.

Voluntary Life & AD&D is 100% paid for by the employee. Premium costs are based on the amount of coverage approved and the age of the participant.

Forms & Plan Documents

Eligibility

Long-Term Disability: All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 90 days of employment.

Short-Term Disability: All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 90 days of employment.

Summary of Benefits and Coverages

Long-Term Disability Insurance:

• 100% funded by the employee
• Elimination period: 180 days
• Monthly benefit is 60% of pre-disability income to a monthly maximum of $5,000

Short-Term Disability Insurance:

• 100% funded by HCP Packaging
• Weekly benefit is the lesser of 50% of pre-disability earnings or $300 per week
• Payment of benefits begin on the 1st day in the event of an injury; or on the 8th consecutive day of disability in the event of an illness
• Benefits will be paid up to maximum of 26 weeks in the event of an injury or illness

Carrier Contact Information

The Hartford: Life, Optional Life & Disability Insurance
Customer Service: 800-523-2233 (Life, Optional Life, LTD & STD)
Website: www.thehartford.com

Contributions

Short Term Disability Insurance is 100% funded by HCP Packaging.

Long Term Disability Insurance is voluntary and 100% funded by the employee.

Plan Documents

HCP Packaging and The Richards Group have partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether you plan to continue working or are transitioning to retirement, SmartConnect tailors solutions designed around your needs. Their agents provide an unfiltered view of the entire range of options and prices available to you.

SmartConnect Contact Information

For more information or to get started, please click on the following link: https://gps.smartmatch.com/therichardsgroup

Additional Information

Recording of a SmartConnect Medicare Webinar

Eligibility

All employees are immediately eligible to participate in the Employee Assistance Program (EAP) offered by HCP Packaging.

Program Details

The EAP is a confidential assistance program offered by HCP Packaging at no cost. This program offers support, guidance and resources to help you and your family find the right balance between your work life and your home life.

EAP services are available to all employees, and their immediate family members through ESI Group. This is a completely confidential counseling program that covers issues such as marital & family concerns, depression, substance abuse, grief & loss, legal assistance and financial assistance.

EAP Contact Information

ESI Group: Employee Assistance Program
Phone#: 1-800-252-4555
Website: www.theEAP.com

Eligibility

Employees who are at least 18 years of age and have completed 3 months of service with HCP Packaging are eligible on the first day of the month following 3 months of service.

Program Details

Please click on the buttons below for further information and forms for the 401(k) Profit Sharing Retirement Plan offered by HCP Packaging.

Contact Information

Principal: 401(k) Retirement
Phone#: 1-800-547-7754
Website: www.principal.com