Benefits
Dental
BlueCare Dental through BCBS provides strong benefits even when your dentist is out of network.
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Employees pay a $50 deductible and receive a maximum of $1000 of paid benefit each plan year.
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Routine and Preventative Services are covered at 100% when the provider is in network, 90% of usual and customary benefits for providers out of network.
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Vision
Your EYEMED Vision plan provides many in-network options and benefits for eye exams, contacts and glasses.
In Network vision benefits inlcude:
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Annual Eye Exam ($10 copay)
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$100 toward lenses or contact lenses annually
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$100 toward frames every 2 years
Flexible Spending Options
Flexible Spending Accounts (FSA) allow you to put pre-tax dollars into an account to pay for qualified medical expenses such as doctor office visits, hospital visits, dental services, and vision services.
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New Flex Provider
Hope will be changing providers in 2026, utilizing Employee Benefits Corporation (EBC) to manage employee flex dollars. Employees who currently have regular or limited flex accounts with Chard Snyder will still have their eligible funds, up to $660, rollover January 1, 2026.
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Once the plan year runout is complete (March 31st, 2026) any leftover rollover dollars will then be migrated into an account with EBC, provided they have re-enrolled as participants for 2026.​
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FSA Health Care
Eligible expenses include:
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Doctor and hospital bills
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prescription drugs
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dental and vision expenses
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Over the counter items such as bandaids orthotics and sunscreen
Limited FSA Health Care
Eligible expenses include:
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Vision bills and expenses
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Dental bills and expenses
Employees who are contributing to a Health Savings Account may ONLY enroll in a 'Limited' Flexible Spending Account. To learn more about which option you qualify for please refer to the decision tree below.
FSA Dependent Care
In addition to a flexible sending plan for healthcare costs, employee may ALSO enroll in a flexible spending plan for dependent care costs. Eligible expenses include:
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Child Care
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before and after school care
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Care for dependent loved ones
A flexible spending account for healthcare costs gives employees access to their entire annual elected contributions at the start of their plan year. For example, if Johnny contributes $500 for the year ($19.24 per pay) he can access all of those eligible funds immediately.
Employee Disability Programs
All full-time benefits eligible employees are automatically enrolled in Hope's short and long term disability coverage. This is a program that allows for the premiums to be 100% employee paid, ensuring that the disability benefits received are tax free. Both programs allow for employees to have access to secure income while they are unable to work due to an injury or illness. Eligible employees begin coverage on the first day of the month following 90 days.
Short Term Disability
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claimants earn 60% of their weekly earnings, up to a $1500 maximum weekly benefit.
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pays claimants up to 11 weeks.
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payments begin after 15 day waiting period.
Long Term Disability
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claimants earn 60% of their monthly earnings, up to a $7000 maximum monthly benefit.
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pays claimants up to Social Security/Normal Retirement Age.
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90-day elimination period.
Employees will see these changes automatically with the first pay in 2026.
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To learn more about Hope's disability programs and employee eligibility please reach out to Kunmi Eholo, Benefits Specialist at Keholo@hope.us
Life Insurance
All full-time benefits eligible employees are automatically enrolled in Hope's Life Insurance coverage. This benefit is paid for 100% by Hope. Employees should ensure they have named their primary and secondary beneficiaries for this coverage. Eligible employees begin coverage on the first day of the month following 90 days.
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Beneficiaries can be outlined in ADP by adding or updating dependents during open enrollment. You can also change these anytime through written notification to Human Resources. Employees should ensure they have dependents full names, social security numbers and dates of birth to complete the beneficiary process.