Benefit Offerings
Medical Benefits
Your medical coverage is designed to promote good health and protect you and your family from major financial hardships in the event of illness or injury. Aetna is your health insurance carrier using the Aetna national provider network. Pharmacy benefit programs are administered through CVS Caremark. The chart below is a summary of the medical coverage.
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In-Network Only Coverage
This Aetna plan provides coverage for services received from a designated, limited network of participating providers. By utilizing a focused provider network, the plan is designed to help manage healthcare costs while maintaining access to quality care. To receive benefits at the highest level and avoid being responsible for the full cost of services, employees are encouraged to confirm that their physicians, hospitals, and other healthcare providers participate in the Aetna network before scheduling care.
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Plan Summaries & Materials​
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Aetna - Value Added Services
Dental Benefits
​Plan Summaries & Materials​​
Vision Benefits
Life Insurance
Employer-Paid Group Life and AD&D
Life insurance is a critical component of financial planning and is used to support your loved ones in the event of your death. Basic life insurance is employer-paid. This policy also includes an Accidental Death & Dismemberment (AD&D) benefit. AD&D insurance provides benefits to you or your beneficiary if you suffer loss of life or limb due to an accident. AD&D is considered “double indemnity” which means that if your death is due to an accident, your beneficiary would receive double the life insurance benefit. Your policy may include benefit reductions based on specific ages, so please refer to the carriers’ policy for details.
Your basic life insurance policy is equal to two times your annual base salary to a maximum of $500,000.​
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Voluntary Life and AD&D
You may also purchase additional life insurance for you, your spouse and child(ren) that would pay in addition to the basic group life policy we provide. Premiums are based on your age and the amount of insurance you want to purchase. The full Guarantee Issue amount below is available upon initial eligibility. Guarantee issue means no medical questions are required to obtain coverage. Your policy may include benefit reductions based on specific ages, so please refer to the carriers’ policy for details.​​
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Employer-Paid Disability
Disability benefits are designed to provide income replacement in case you are unable to work due to an illness or injury. Short-Term Disability lasts for a specified amount of time and if you are still unable to return to work beyond that time, Long-Term Disability would begin, subject to the policy limitations outlined below.
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Plan Summaries & Materials​
Saving, Spending, & Well-Being
Health Savings Account (HSA)
If you elect the HDHP (HSA) Medical Plan, you may be eligible to contribute money into a Health Savings Account (HSA). This is a personal bank account designed to allow you to save pre-tax dollars for current and future medical expenses. Money in this account is always yours, and unused funds roll over year after year, providing savings for future medical expenses. Even though there is no limit to the amount of money you can accumulate in your account, there are annual contribution limits set each year by the IRS. The contribution limits are based on who you are covering under your medical plan. The contribution limits for January 1st – December 31st are as follows and are subject to change, per IRS regulations.​​
🎥 Video Overview
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HSA Contribution Limits
Single Medical Plan - $4,400 Annual Contribution Limit
Medical Plan with Dependents - $8,750 Annual Contribution Limit
Over Age 55 - Additional $1,000 Annual Catch Up Contribution
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts (FSAs) offer you the opportunity to deduct some of your income from your payroll on a pre-tax basis to pay for certain healthcare expense that may not be covered as part of your benefit plans. In addition to the pre-tax savings benefit, your total election amount will be available at the beginning of the plan year. You will “pay back” the program with future paycheck deductions.​​
🎥 Video Overview
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Annual Contribution Limits - Up to $3,400
Medical FSA (Available with PPO Plans or stand-alone)
Qualified Expenses: Medical, Dental, Vision, Pharmacy, Over-the-Counter Medications
Debit Card Included - Yes
Plan Year - April 1, 2026 - December 31, 2026
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The Dependent Care Account (DFSA)
This account allows you to payroll deduct pre-tax dollars to fund the childcare of children under the age of 13, or a disabled spouse, child, or parent. This account can be used for daycare, preschool, after-school care, summer day camp, or elder care.
The annual maximum contribution is $7,500 for individuals or married couples filing jointly, or $3,750 for married individuals filing separately. Married couples have a combined $7,500 limit, even if each has access to a separate dependent care FSA. This account can only be used as the money accumulates from your paycheck and must be spent by the end of the Plan Year or may be forfeited. Please refer to the plan policy for specific details regarding rollover allowances or extension periods.
🎥 Video Overview
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Commuter Account
Rois Phoenix offers commuter benefits for all employees who are not in field sales role through a voluntary program that offers pre-tax advantages on qualified transit expenses.
If you would like to make commuter account elections for 2026, look for more information regarding a separate enrollment process through our commuter account administrator.
For 2026, IRS monthly limit of $340 applies for qualified parking and transit benefits. Unused amounts carryover indefinitely for current participants. Once participation ceases, any unused amounts are forfeited.
🎥 Video Overview
Voluntary Supplemental Benefits
For additional protection for you and your family, Rois Phoenix offers the following supplemental insurance through The Standard: ​
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Critical Illness Insurance
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Accident & Injury Protection Insurance
Hospital Care Insurance
Group Whole Life Insurance
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Norton - LifeLock Identity Theft Protection
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These insurance coverages can be used to cover out-of-pocket medical costs in varied circumstances. They are completely optional and in addition to coverage available through the Rois Phoenix medical plan.
You pay 100% of the cost on an after-tax basis at group rates. To receive coverage, you must be actively at work. No evidence of insurability is required; however, dependents may be subject to certain state rules and restrictions.
Additional Value Added Benefits
Caregiving Support​
Meet Wellthy, a support solution that helps you navigate the responsibilities of caring for the ones you love, including yourself. Through Prudential’s Well-being Hub, you now have access to a curated set of caregiving resources, tools, and educational content designed to help you stay informed, organized and confident as you navigate care. Getting started is quick, simple, and available anytime through the Well-being Hub.
Caregiving tools available to you:
• Care Planning Content & Guides
• Care Plan Builder
• Shared Calendar
• Medication and Contact Trackers
• Document Storage
Travel Assistance
You now have access to IMG’s Travel Assistance Services, an indispensable offering available to you and your dependents. IMG has extensive experience handling complex and remote medical transport situations, as well as providing support for travel concerns when they arise. Our team of international, multilingual specialists are accustomed to working across time zones and with different languages and currencies. Utilizing IMG’s extensive global network of medical care providers, our onsite 24/7/365 U.S.-based call center is available day or night to provide high-quality care you can depend on. Toll-free from within the U.S.: +1 (855) 847-2194. From anywhere in the world: +1 (317) 927-6881. More Information
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• Emergency Medical Transport Services
• Medical Assistance Services
• Travel Assistance Services
• Security Assistance Services
ComPsych GuidanceResources Program
Personal problems, planning for life events or simply managing daily life can affect your work, health and family. ComPsych® GuidanceResources® is a company-sponsored service that is available to you and your dependents, at no cost, to provide confidential support, resources and information to get through life’s challenges. This flyer explains how ComPsych® GuidanceResources® can help you.​
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​Employee Assistance Program
Your Employee Assistance Program (EAP) is a confidential assistance program to help address the personal issues you and your dependents are facing. This service, staffed by experienced clinicians, is available by phone 24 hours a day, seven days a week. A GuidanceConsultantSM is available to listen to your concerns and refer you to a local provider for in-person counseling or to resources in your community. Call any time with personal concerns, including:
• Depression
• Stress & Anxiety
• Marital & Family Conflicts
• Alcohol & Drug Abuse
• Job Pressures
• Grief & Loss
Legal Resources
When a legal issue arises, our attorneys are available to provide confidential support with practical, understandable information and assistance. If you require representation, you can also be referred to a qualified attorney in your area for a free 30-minute consultation with a 25% reduction in customary legal fees thereafter. Call any time with legal issues including:
• Divorce and family law
• Bankruptcy
• Debt Obligations
• Criminal actions
• Landlord and tenant issues
• Civil lawsuits
• Real estate transactions
• Contracts
Financial Planning
Financial issues can arise at any time, from dealing with debt to saving for college. Our financial professionals are here to discuss your concerns and provide you with the tools and information you need to address your finances, including:
• Saving for college
• Tax questions
• Getting out of debt
• Estate planning
• Retirement planning
Online Information, Tools and Services
GuidanceResources® Online is your one stop for expert information to assist you with the issues that matter to you, from personal or family concerns to legal and financial concerns. Create your own account by going to www.guidanceresources.com.
Each time you return to the site, you will find personalized, relevant information based on your individual life needs.
WE ARE AVAILABLE 24 HOURS A DAY, 7 DAYS A WEEK
​Call: 800.311.4327
TRS: Dial 711
Online: guidanceresources.com
Your company Web ID: GRS311