View Plans & Benefits
Medical
Dental
Vision
HSA
Life & Disability
Voluntary Benefits
Compliance

Medical Plans

In-network costs shown. Gastamo Group offers you four medical plans through UnitedHealthcare.
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HSA-Eligible
FSA-Eligible
HSA $5,000
Deductible

$5,000 (I) / $10,000 (F)

Out-of-Pocket Maximum

$6,350 (I) / $12,700 (F)

Coinsurance

20%

Office Visit (Primary Care)

You pay 20% after deductible

Diagnotic (X-ray/Lab)

Specialist Visit

Company match $1 for $1 up to $500

Urgent Care

You pay 20% after deductible

Preventive Care

100% covered

Emergency Room

You pay 20% after deductible

Company HSA Contributions

Company match $1 for $1 up to $500

Prescription Drug

Tier 1: Deductible then $10
Tier 2: Deductible then $40
Tier 3: Deductible then $85
Tier 4: Deductible then $250

Learn more
HSA-Eligible
FSA-Eligible
HSA $3,500
Deductible

$3,500 (I) / $7,000 (F)

Out-of-Pocket Maximum

$6,350 (I) / $12,700 (F)

Coinsurance

20%

Office Visit (Primary Care)

You pay 20% after deductible

Diagnotic (X-ray/Lab)

Specialist Visit

Company match $1 for $1 up to $500

Urgent Care

You pay 20% after deductible

Preventive Care

You pay 0%

Emergency Room

You pay 20% after deductible

Company HSA Contributions

Company match $1 for $1 up to $500

Prescription Drug

Tier 1: Deductible then $10
Tier 2: Deductible then $40
Tier 3: Deductible then $85
Tier 4: Deductible then $250

Learn more
HSA-Eligible
FSA-Eligible
Premier $3,000
Deductible

$3,000 (I) /$6,000 (F)

Out-of-Pocket Maximum

$6,500 (I) / $13,000 (F)

Coinsurance

20%

Office Visit (Primary Care)

$0 copay

Diagnotic (X-ray/Lab)

Specialist Visit

Urgent Care

$50 copay

Preventive Care

You pay 0%

Emergency Room

You pay the deductible, $250 copay, then 20%

Company HSA Contributions

Prescription Drug

Tier 1: $0
Tier 2: $50
Tier 3: $100*
Tier 4: $250*

*after pharmacy deductible $250(I)/$500(F)

Learn more
HSA-Eligible
FSA-Eligible
UHC $2,000
Deductible

$2,000 (I) / $4,000 (F)

Out-of-Pocket Maximum

$6,500 (I) / $13,000 (F)

Coinsurance

20%

Office Visit (Primary Care)

$0 copay

Diagnotic (X-ray/Lab)

Specialist Visit

Urgent Care

$50 copay

Preventive Care

You pay 0%

Emergency Room

You pay the deductible, $250 copay, then 20%

Company HSA Contributions

Prescription Drug

Tier 1: $0
Tier 2:
$50
Tier 3:
$100*
Tier 4:
$250*

*after pharmacy deductible $250(I)/$500(F)

Learn more

Dental Plans

In addition to protecting your smile, dental insurance helps pay for dental care and includes regular check ups, and cleanings.

Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
Low Plan
Now with Unum!
Deductible

$50 (I) / $150 (F)

Calendar Year Maximum

$1,000

Basic Services

80%

Major Services

0%

Orthodontic Services

N/A

Orthodontic Maximum

N/A

Learn more
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Important Documents
Unum Dental Flyer
High Plan
Now with Unum!
Deductible

$50 (I) / $150(F)

Calendar Year Maximum

$1,500

Basic Services

90%

Major Services

60%

Orthodontic Services

50%

Orthodontic Maximum

$1,500

Learn more
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Important Documents
Unum Dental Flyer

Vision Plan

Vision health is essential for maintaining overall well-being, as clear eyesight supports daily activities, productivity, and quality of life.
Vision Plan
Now with Unum!
Eye Exam Copay

$10

Materials Copay

$10

Single Lenses

Covered in full

Bifocals, Trifocals, Lenticulars

Frames Allowance

$150 allowance

Elective Contacts

$150 allowance

Eye Exam Frequency

Once every 12 months

Lens Frequency

Once every 12 months

Frames Frequency

Once every 12 months

Learn more
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Important Documents
Unum Vision Flyer

Savings & Spending Accounts

Savings and spending accounts help you manage healthcare costs by setting aside pre-tax dollars for qualified expenses.
These accounts offer a simple way to save money and plan for medical needs throughout the year.
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Dependent Care Flexible Spending Account (DCFSA)

A DCFSA allows you to save pre-tax dollars for eligible dependent care expenses, such as childcare or eldercare, throughout the year.

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Annual Contribution Limit (IRS)

$5,000

Important Documents
Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-advantaged savings account designed to help you pay for eligible healthcare expenses.

Paired with a high-deductible health plan, it lets you contribute pre-tax dollars, reducing your taxable income, and the funds roll over year to year, so you can save for future healthcare needs. Plus, HSAs offer triple tax benefits: contributions, earnings, and withdrawals for qualified expenses are all tax-free.

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Annual IRS Maximum

$4,300 (I) / $8,550 (F)

Gastamo Annual Contribution

$600

Important Documents
Healthcare Flexible Spending Account (HCFSA)

A HCFSA lets you set aside pre-tax dollars for medical, dental, and vision expenses, with funds that typically must be used within the plan year.

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Annual Contribution Limit (IRS)

$3,300

Important Documents

Life & Disability

"Protect your loved ones and your income with comprehensive life and disability coverage. These plans provide financial security and peace of mind when it matters most."
Basic Life and AD&D

We provide a Basic Life insurance policy at no cost to you, offering financial protection for your loved ones in the event of your passing.

This benefit includes a set coverage amount to help with essential expenses.

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Eligibility

All eligible employees are automatically enrolled on 1st of the month coinciding with or following hire date and working 30 hours per week

Coverage Amount

$50,000

Important Documents
Office Support Short-Term Disability

Short-Term Disability coverage replaces a portion of your income if you're unable to work due to a qualifying illness or injury.

This employer-paid benefit offers financial support for temporary situations.

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Eligibility

All eligible employees are automatically enrolled on 1st of the month coinciding with or following hire date and working 30 hours per week

Coverage Amount

60% of weekly earnings up to $2,500

Important Documents
Office Support Long-Term Disability

Long-Term Disability coverage provides income replacement if you face a prolonged illness or injury that prevents you from working.

This coverage ensures financial security for extended absences.

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Eligibility

All eligible employees are automatically enrolled on 1st of the month coinciding with or following hire date and working 30 hours per week

Coverage Amount

60% of monthly earnings up to $10,000

Important Documents

Voluntary Benefits

Voluntary benefits provide extra layers of support, allowing you to customize your coverage to fit your unique needs. These options give you the flexibility to enhance your overall benefits package on your terms.
Accident Plan

Accident Insurance helps cover unexpected expenses from injuries like medical costs, transportation, and recovery needs. It provides financial relief when accidents disrupt your life, allowing you to focus on recovery.

This coverage ensures you're prepared for the unexpected with an extra layer of support.

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Important Documents
Unum Accident Flyer
Critical Illness Plan

Critical Illness (CI) insurance provides a lump-sum, tax-free payment upon diagnosis of a covered serious illness, such as cancer, heart attack, or stroke.

This financial support can be used at your discretion, helping to alleviate the financial burden during recovery.

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Important Documents
Unum Critical Illness Flyer
Hospital Indemnity

Hospital Indemnity coverage provides cash benefits for hospital stays to help with out-of-pocket costs like deductibles and copays.

It’s designed to give you extra financial support when you need it most. With this plan, you can focus on recovery, knowing unexpected expenses are covered.

Legal Plan

The Legal Plan gives you affordable access to professional legal services for personal matters like estate planning, wills, and more.

It ensures you have expert support to navigate complex situations with confidence. This benefit provides peace of mind, knowing you’re covered when legal needs arise.

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Important Documents
MetLife Legal Plan Overview
Home & Auto

Protect your home and vehicle with reliable coverage tailored to your needs.

This benefit offers peace of mind by helping manage repair costs, damage, and liability, ensuring you're prepared for the unexpected. With flexible options, it’s easy to safeguard two of your most valuable assets.

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Important Documents
Home & Auto Brochure
Identity Theft

Safeguard your personal information with coverage that helps detect and resolve identity theft issues.

This benefit provides monitoring, alerts, and expert support to quickly address potential threats to your identity. Protect your financial and digital well-being with peace of mind knowing you're covered.

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Important Documents
Term Life

Term Life Insurance lets you buy additional coverage to protect your family in case of your passing.

This policy is flexible and lasts for a set period.

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Important Documents
Supplemental Life

A supplemental life plan lets you add extra life insurance coverage to what we provide to you, giving your family more financial security. You can usually get this coverage at a lower cost and even include your spouse or kids.

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Important Documents
Employee Assistance Program (EAP)

The Employee Assistance Program (EAP) provides free, confidential support for personal and professional challenges.

It offers resources like counseling, financial and legal advice, and work-life balance tools to help you navigate life’s demands. This benefit ensures you and your family have access to the support you need, when you need it most.

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Important Documents

Compliance Section

Your hub for compliance information, forms, and contacts you may not have found elsewhere.
Documents coming soon.