2026 Benefits Guide by Betenbough Companies
An overview of the benefits offered by Betenbough Companies in 2026, guiding employees through their benefits journey.
2026 Benefits Guide YOUR BENEFITS JOURNEY
2 ENROLLMENT S TARTS H E RE Y O U R J O U R N E Y T O HOW TO USE THIS GUIDE When you see the icons below, click to link out to websites, download documents, or learn more! ? Carrier Logos Learn More
3 ENROLLMENT & ELIGIBILITY Employee Eligibility All full-time employees working 30 or more hours per week are eligible for company offered benefit plans after the date of hire. Dependent Eligibility Employees who are eligible to participate in the Betenbough benefit program may also enroll their dependents. For the purposes of our benefit plans, your dependents are defined as follows: • Your spouse • Your dependent children to age 26 Mid-Year Changes Once your enrollment window closes, the only time you are allowed to make changes to your benefits elections in the middle of the year is if you experience a qualifying life event. Examples may include getting married or divorced, having a baby or adopting, or gaining or losing coverage. You must notify Human Resources within 30 days of qualifying life event to be eligible to change your elections. Your Human Resource Contact: Kristin Tucker [email protected] 806-620-6229 ENROLL HERE
4 MEDICAL Medical insurance helps you pay for preventive care, routine health needs, prescriptions, and advanced procedures by cost-sharing with your insurance provider. Hover over the insurance terms below to learn what they mean. Y O U R J O U R N E Y T O HEALTH HSA CO-PAY In Network In Network OFFICE VISITS Primary Care: Ded then 20% Specialist: Ded then 20% Urgent Care: Ded then 20% Primary Care: $30 Specialist: $75 Urgent Care: $75 PROCEDURES Inpatient: Ded then 20% Outpatient: Ded then 20% Emergency Room: Ded then 20% OP Lab & X-ray: Ded then $200 Radiology: Ded then 20% Inpatient: $1000 copay Outpatient: $1000 copay Emergency Room: $250 copay OP Lab & X-ray: $100 Copay Radiology: $1000 Copay COINSURANCE 20% N/A PRESCRIPTIONS Retail: Ded then 100% Mail Order: N/A Retail: $5/$40/$80/Rescrybe Mail Order: N/A ANNUAL DEDUCTIBLE Individual: $3,000 Family: $6,000 Individual: $0 Family: $0 OUT-OF-POCKET MAXIMUM Individual: $7,500 Family: $15,000 Individual: $5,000 Family: $10,000 RATES PER BI-WEEKLY PAY PERIOD Employee: $31.62 Employee + Spouse: $163.93 Employee + Children: $145.84 Family: $275.35 Employee: $28.22 Employee + Spouse: $155.24 Employee + Children: $134.07 Family: $262.49 *Deductible applies first. The benefits and rates in this guide are for illustrative purposes only. Please refer to the Summary of Benefits for specific benefits. To the extent the rates or the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases. REVIEW PLAN SBC’S HSA CO-PAY
5 TRAVEL ASSISTANCE Your life is an adventure, and Travel Assistance affords you the convenience of receiving medical care while on the go. Instead of spending your day and dollars at an Urgent Care facility, connect with a board-certified doctor over the phone or video chat to receive immediate and cost-effective care wherever life’s journey may take you. Benefits 101 Travel Assistance Check your plan summary for costs.
6 EMPLOYEE ASSISTANCE PROGRAM (EAP) You encounter more than just health concerns throughout your life. Manage life’s curveballs with a confidential and complimentary program designed to provide counseling, support, and resources for a variety of personal issues like stress and anxiety, relationship struggles, substance abuse, eldercare, financial worries and much more. Get the support you need today: WELLBEING If you think your physical health alone is related to your overall performance, think again. Total Wellbeing as a whole is comprised of 5 elements: physical, financial, communal, emotional, and purpose. To build your overall wellbeing, you have to make sure all of these elements are being “exercised”.
7 An HSA allows you to use before tax dollars to reimburse yourself for eligible out-of-pocket medical expenses for you, your spouse and your dependents, which in turn saves you on taxes and increases your spendable income. Both you and your employer can contribute to your HSA. HSA’s have many benefits such as: • An HSA is yours. Funds in your HSA account stay with you, even if you change jobs. • Contribute tax free. An HSA reduces your taxable income. The money is tax free both when you put it in and when you take it out to cover qualified medical expenses. • Grow funds tax free. An HSA grows with you. When your HSA account balance reaches the minimum balance requirement, your funds can be invested in mutual funds yielding tax-free earnings. • Spend tax free. Withdrawals used for eligible expenses are tax free. • Funds can be withdrawn anytime for medical expenses. • After age 65, the funds can be used for any purpose, without penalty. YOUR JOURNEY TO SAVINGS ? HEALTH SAVINGS ACCOUNT (HSA) 2026 HSA Annual Contributions Individual: $4,400 Family: $$8,750 Employer Contributions Employee: $162.50 Employee + Spouse: $270.83 Employee + Children: $270.83 Family: $368.33 *Amounts are per paycheck
8 Health Care FSA A Health Care Flexible Spending Account (FSA) provides you with the ability to save money on a pre-tax basis to pay for any IRS-allowed health expense that is not covered by your health care plan. Examples of these types of expenses include deductibles, copayments, coinsurance payments and uninsured dental and vision care expenses. You may elect a specific annual contribution for each FSA in which you plan to participate. Your annual contribution is then divided by your number of pay periods and that amount will be deducted pre-tax each pay period. The amount you elect may not be changed or revoked during the plan year unless you experience a qualifying life event. Dependent Care FSA A Dependent Care FSA provides you with the ability to save money on a pre-tax basis for day care expenses for your child, disabled parent or spouse. 2026 FSA Maximum Contributions Health Care FSA: $3,400 Dependent Care FSA: $7,500 YOUR JOURNEY TO SAVINGS ? FLEXIBLE SPENDING ACCOUNTS (FSA’s)
9 DENTAL Good oral care enhances overall physical health, appearance and mental well-being. Problems with the teeth and gums are common and easily treated health problems. Keep your teeth healthy and your smile bright with our dental benefit plan. Hover over the insurance terms below to learn what they mean. LOW PLAN HIGH PLAN In Network In Network Out of Network ANNUAL DEDUCTIBLE Individual: $50 Family: $150 Individual: $50 Family: $150 Individual: $50 Family: $150 ANNUAL PLAN MAXIMUM $1,750 $1,750 $1,750 PREVENTIVE SERVICES 100% 100% 100% BASIC SERVICES 80% 100% 100% MAJOR SERVICES 50% 60% 60% ORTHO SERVICES 50% 50% 50% ORTHO LIFETIME MAXIMUM $1,000 $1,500 $1,500 RATES PER BI-MONTHLY PAY PERIOD Employee: $2.56 Employee + Spouse: $5.50 Employee + Children: $7.74 Family: $10.73 Employee: $2.56 Employee + Spouse: $5.50 Employee + Children: $7.74 Family: $10.73 The benefits and rates in this guide are for illustrative purposes only. To the extent the rates or the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases. REVIEW PLAN SUMMARY LOW PLAN HIGH PLAN
10 VISION Protect your sight and enjoy those sunsets even more with vision insurance. Receive both preventive and materials coverage. Hover over the insurance terms below to learn what they mean. PLAN I In Network Out of Network EYE EXAM $10 copay Up to $45 LENSES Single: Covered in full Bifocal: Covered in full Trifocal: Covered in full Lenticular: Covered in full Single: Up to $30 Bifocal: Up to $50 Trifocal: Up to $65 Lenticular: Up to $100 FRAMES $130-150 allowance depending on brand, then 20% savings on the amount over the allowance Up to $70 CONTACT LENSES Elective: $60 copay; $130 allowance Medically Necessary: $25 copay then covered in full Elective: Up to $30/50/65/100 depending on lense type Medically Necessary: Up to $210 FREQUENCY OF SERVICES Exams:1 X 12 Months Lenses: 1 X 12 Months Frames: 1 X 24 Months Contact Lenses: 1 X 12 Months Exams:1 X 12 Months Lenses: 1 X 12 Months Frames: 1 X 24 Months Contact Lenses: 1 X 12 Month RATES PER BI-MONTHLY PAY PERIOD Employee: $0.52 Employee + Spouse: $0.87 Employee + Children: $0.89 Family: $1.41 The benefits and rates in this guide are for illustrative purposes only. To the extent the rates or the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases. REVIEW PLAN SUMMARY PLAN I
11 You can't put a price tag on your life, but you can protect your loved ones with life insurance in the event of a premature loss. BASIC LIFE AND AD&D - You are automatically enrolled in this employer-paid coverage. Available Coverage 1x basic annual earnings, up to $250,000 Benefit Reductions Age 65-69 70 Reduction 35% 50% VOLUNTARY LIFE AND AD&D - You must submit an application and be approved to be enrolled in this employee-paid coverage. EMPLOYEE $10,000 to $500,000 not to exceed 5 x basic annual earnings; $10,000 increments SPOUSE $5,000 to $250,000 in $5,000 increments, not to exceed 50% of EE’s amount CHILD Birth to 14 days = $500 / 15 days to age 26 = $10,000 TERM LIFE INSURANCE 101 REVIEW PLAN SUMMARIES LIFE INSURANCE Basic Life Voluntary Life
12 Accidents and illnesses happen and often when we least expect them. Ensure you are financially prepared to stay afloat during a medical condition with disability insurance. SHORT-TERM DISABILITY 101 LONG-TERM DISABILITY 101 LONG-TERM DISABILITY You are automatically enrolled in this employer-paid coverage. BENEFIT 60% up to $6,000 per month DURATION 24 months or SSNRA WAITING PERIOD Illness: after 90 days Accident: after 90 days REVIEW PLAN SUMMARY DISABILITY LTD
13 Even with medical insurance, you could still be subject to unexpected out-of-pocket expenses in the form of copays, deductible, and coinsurance. These Voluntary Benefits provide lump sum payments to be used towards your health care expenses, or however you see fit. ACCIDENT INSURANCE CRITICAL ILLNESS HOSPITAL INDEMNITY Click on the icons to the right to learn more about each of these benefits. VOLUNTARY BENEFITS
14 The benefits and rates in this guide are for illustrative purposes only. Please see Summary of Benefits for specific plan details. VOLUNTARY BENEFITS With accident insurance, you can manage the costs of falls, sports injuries and other accidents. Accident insurance covers many types of accidents and pays a cash benefit, directly to you, if you or your dependents are injured as part of a covered accident. ACCIDENT INSURANCE RATES PER PAY PERIOD Employee: $15.42 Employee + Spouse: $27.34 Employee + Children: $32.99 Family: $44.91
15 The benefits and rates in this guide are for illustrative purposes only. Please see Summary of Benefits for specific plan details. VOLUNTARY BENEFITS If you’ve been diagnosed with a critical illness, worrying about your finances during recovery can be overwhelming. This coverage can help alleviate the financial burden that an unexpected illness can bring. CRITICAL ILLNESS COVERAGE $1,000 of coverage RATES PER MONTHLY PAY PERIOD
16 The benefits and rates in this guide are for illustrative purposes only. Please see Summary of Benefits for specific plan details. VOLUNTARY BENEFITS Even with medical insurance, you could still be subject to out-of-pocket expenses like those from an unexpected hospitalization. Hospital indemnity insurance can help protect you from expenses due to a hospital stay including deductibles and other copays. HOSPITAL INDEMNITY RATES PER PAY PERIOD Employee: $10.84 Employee + Spouse: $22.79 Employee + Children: $17.88 Family: $29.85
17 PET INSURANCE At Wishbone Pet Insurance, we get it — pets are like family. When a member of the family becomes sick or injured, you do whatever it takes to fix it. But those veterinary costs can add up quickly, which is where Wishbone Pet Insurance plans can come in. Wishbone Pet insurance plans for dogs and cats can help reimburse you for unexpected vet bills. They can provide insurance for pets of all ages — even seniors — and you can customize your deductible and reimbursement rates so they work best for your pet’s needs and your budget.
18 CONTACT INFORMATION Equitable 877-274-9887 www.equitable.com ACCIDENT/CI/HOSPITAL Kristin Tucker 806-620-6229 [email protected] HR CONTACT Equitable 877-274-9887 www.equitable.com EAP Equitable 866-274-9887 www.equitable.com [email protected] DISABILITY Name Phone Email MEDICAL Equitable 877-274-9887 www.equitable.com DENTAL Equitable 877-274-9887 www.equitable.com VISION Equitable 877-274-9887 www.equitable.com LIFE INSURANCE Ameriflex 888-868-3539 www.participant.myameriflex.com/#/login FSA/HSA Wishbone 800-887-5708 www.wishboneinsurance.com/ PET
19 VIEW NOTICES Please review the following required employee notices detailing your rights and options. You can also request a paper copy of any of these notices at any time. EMPLOYEE NOTICES
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