Insurance Benefits

Medical Plans
Employees have the choice of two medical plans, an EPO or a PPO:

• The EPO (exclusive provider organization) plan has NO deductible and simple co-payments.
• The PPO plan has deductibles and higher co-payments. However, you may use non-network providers at a reduced benefit.

The EPO plan offers employees a wide choice of physicians and hospitals through the Anthem Blue Cross Network.  Under this plan, employees have direct access to Anthem Blue Cross specialists; there is no requirement to go through a primary care physician. 

Prescription & Vision benefits are included in the plan at no additional cost. 

Weight Loss Management and Smoking Cessation programs are also available.

Dental Plan
We have a great dental plan available to our employees. Employees have the option to visit any dentist of their choice. Preventive care such as cleanings, x-rays, and diagnostics are covered 100% with no deductible.

Flexible Spending Accounts
For certain health and dependent care expenses not reimbursed by insurance programs, employees may enroll in the Flex Plan, which allows expenses to be paid with pre-tax dollars rather than after-tax dollars.

Participation is optional and employees decide whether or not, and how much, to contribute to their spending account. There are two accounts, one for health care and one for dependent care. Employees set aside money for these accounts through convenient payroll deductions which are made on a pre-tax basis so that employees reduce their taxable income.

The Flex Plan Dependent Care Account may be used to pay for dependent day care expenses incurred by the employee and spouse while working or attending school.

Life Insurance Plans
As a regular, full-time employee of BREG, you are covered by a company-paid Term Life Insurance plan.  The benefit of the plan is equal to one times your annual base salary. 

Supplemental Life Insurance
Additional Voluntary Life Insurance is available. Employees can purchase in increments of $10,000 and up, to a maximum of $500,000, or 5 times their annual earnings. Spouse coverage can be purchased up to the lesser of 50% of the employee’s amount or $250,000 in increments of $5,000. Dependent children coverage is available; coverage is to a maximum of $10,000 for each child and can be purchased in increments of $2,000.

Long & Short Term Disability
This disability benefit provides financial protection for you by paying a portion of your income while you are disabled. The amount you receive is based on the amount you earned before your disability began.

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