My Medical Benefits
HP Cummings offers one plan with BCBSMA.
Summary of Benefits & Coverages (SBC)
BCBS MA Plan Enhancements
BCBS MA offers many plan enhancements to help you take full advantage of your medical plan, and take better care of yourself. They include:
Blue365®
Living a healthy life is all about making good choices every day. So, what if you could have some help to do just that?
- Get weekly deals and save with just one click- Want to know about the latest discounts and savings as they become available? You can sign up for a weekly email to get great health and wellness deals delivered straight to your inbox and save with just one click.
- Save locally or nationally- Get great deals on health and fitness products, healthy eating options, spa services, and more – in your own community or in locations across the country.
- Save on premium brands- Blue365 delivers great discounts from top national and local retailers on fitness gear, gym memberships, family activities, healthy eating options and much more.
- Visit: https://myblue.bluecrossma.com/health-plan/blue365-discounts
Fitness Reimbursement
Your Blue Cross health plan can save you money annually when you participate in a qualified fitness program.
https://myblue.bluecrossma.com/health-plan/fitness-reimbursement-weight-loss
Weight-Loss Reimbursement
You can save when you participate in a qualified weight-loss program. Up to $150 per calendar year max per policy.
Living Healthy Naturally
Blue Cross Blue Shield of Massachusetts members can save up to 30 percent off of the standard rates at network alternative health practitioners in all 50 states.
Our expanded Living Healthy Naturally program offers discounts on 10 alternative medicine disciplines
https://myblue.bluecrossma.com/tools-resources/find-care/alternative-naturopathic
Pet Insurance
At Blue Cross Blue Shield of Massachusetts, we want our members and their pets to be healthy. That’s why we offer a discounted rate on Petplan insurance. With Petplan pet insurance, you won’t have to worry about being able to afford care; your costs can be covered.
- All accidents and illnesses
- All hereditary and chronic conditions
- Prescription medications
- Specialist treatments
- X-ray, MRI, CAT scan and ultrasound imaging
- Alternative therapies
For more information or to fetch a quote, call 1-866-467-3875 or visit https://myblue.bluecrossma.com/health-plan/pet-insurance.
Well Connection
Learn about Well Connection, BCBSMA’s Telemedicine provider. Telemedicine allows you, or your dependents to see a doctor, licensed in the state you are calling from, virtually via phone or video call. If you have the Gold plan, you will pay the office visit copay listed on your Summary of Benefits and Coverage to use Well Connection. Visits to a telemedicine provider are typically less than seeing your primary care physician or going to the emergency room or urgent care. This will accumulate towards your out-of-pocket maximum. It is highly recommended you register for Well Connection before needing the service. It will save you time when you really need the service.
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage following 90 days of continuous employment.
Contributions
Forms and Plan Documents
My Health Reimbursement Arrangement Benefits
My Health Reimbursement Arrangement Benefits
A Health Reimbursement Arrangement (HRA) is a promise to reimburse or pay a specific amount toward insurable medical expenses incurred by a participant
HP Cummings Construction Co. will contribute $1,200 for singles or $2,400 for family to cover the cost of deductible expenses in the form of a cost share.
HRC Total Solutions will continue to administer the HRA. Employees will be paid directly from your HRA by HRC Total Solutions when funds are available.
If you enter the plan at a time other than the beginning of the plan year, the amount credited to your account will be reduced to reflect the time of actual participation.
My Group Life and AD&D Benefits
HP Cummings gives eligible employees Life and Accidental Death & Dismemberment coverage in the amount of $25,000 or $50,000 based on level of coverage based on employee class.
Contributions
This is 100% Employer paid.
Eligibility
All full time Employees who work at least thirty two (32) hours per week are eligible for coverage following 90 days of continuous employment.
Supplemental Life and AD&D Benefits
Short Term Disability Benefits
HP Cummings offers Voluntary Short Term Disability coverage. The benefits pay out if you are disabled on the 15th day due to an accident or illness. The benefits pay up to 66 2/3% of your weekly pre-disability income, up to a limit of $750 per week. The maximum benefits period is 11 weeks.
Eligibility
All full-time employees who work at least thirty two (32) hours per week are eligible for coverage following 90 days of continuous employment.
Contributions
This is 100% Employer paid.
Forms and Plan Documents
My Long Term Disability Benefits
HP Cummings wants to help you maintain an income when you need it the most. They offer employees a long term disability plan that will cover 60% of your salary to a maximum of $10,000 or $6,000 based on your employee class.
Eligibility
Full time employees who work at least thirty two (32) hours per week are eligible for coverage following 90 days of continuous employment.
Contributions
This is 100% Employer paid.
Forms and Plan Documents
My Voluntary Benefits - Aflac
HP Cummings offers employees the ability to enroll in Voluntary benefits.
Everyone’s benefit needs are different. That’s why it’s important to choose the benefits that are right for your personal situation.
- Contract is between Aflac and the employee, HPC allows for payroll deductions for payment of insurance coverage.
- Coverage is available for your spouse and eligible dependents.
- Benefits are paid directly to you, unless you specify otherwise.
- You may receive benefits regardless of any other insurance you may have with other insurance companies.
Dental Insurance — Benefits for dental care.
Accident Insurance — Helps offset unexpected medical expenses, such as emergency room fees, deductibles and co-payments that can result from a fracture, dislocation or other covered accidental injury.
Aflac Plus Rider – Pays a lump sum along with additional benefits when you are diagnosed with a covered health event.
Cancer Insurance — Helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover.
Vision – Benefits for eye care
Hospital – Helps pay for the confinement to hospital for any sickness, injury or maternity.
Eligibility
All full-time employees who work at least thirty two (32) hours per week are eligible for coverage the 1st of the month following 90 days of continuous employment.
Contributions
100% employee paid
Contact Information
Floyd Amidon Regional Sales Coordinator
(802) 753-7252
My Retirement Benefits
EE Deferral: Auto enrollment provision of 4% with automatic 1% increases up to 10%. Can be changed by employee.
ER Match: 50% up to 3% of employee’s gross wages for plan participants. 100% vested on contribution.
Profit Sharing disbursements are deposited directly into your 401(k) and are applicable to the vesting schedule.
Contributions
Between 1% and 100% of salary up to the Internal Revenue Service limits. For 2019 the annual contribution is $19,500. If you reach the age of 50 anytime during the calendar year or are over 50 you may make additional “catch-up” contributions. For 2020, you can make “catch-up” contributions of up to $6,500. 2021 limits are anticipated to remain the same as 2020.
Eligibility
All full and part time employees are eligible to contribute to the 401(k) &/or Roth IRA plan on the 1st of the month following 90 day eligibility.
For Profit Sharing:
Employees are eligible on the closer of January 1st or July 1st after 1 full year of employment.
For Example: Hire Date of March 15, 2018 would be eligible at July 1, 2019.
Hire Date of 7/15/2018 would be eligible at January 1, 2020.
My Tuition Assistance Benefits
Exciting Benefit for Employees!
The Richard’s Group tuition assistance program is designed to help employees pay back student loan debt and improve their financial well-being.
Utilizing the relationship with The Richards Group, consultation services provided through GradFin are provided free of charge. GradFin is a new employee benefit program that is revolutionizing the way employees can reduce their student loan debt.
GradFIN will provide:
- One-on-one education consultations with GradFin Consultation Experts to review your current loan status and discuss personalized payoff options to save on your loans.
- GradFin will offer a competitive interest rate reduction when you refinance your loans.
- GradFin will provide up to a $300 bonus to you when you refinance your loans with GradFin. The $300 bonus will be applied to the principal balance of the closed loan.
- GradFin will offer the lowest interest rates in the industry through their lending platform which is made up of ten lenders to maximize the chances that you will be approved for a new loan.
For more information or to schedule a one-on-one consultation visit:
Eligibility
In order to participate in the plan, you must satisfy certain age and service conditions under the plan:
Minimum age requirement: In order to participate in the plan, you must be at age 21.
Contact Information
Phone: (844) GRADFIN
For more information or to schedule a one-on-one consultation visit: