Peter Corporation Benefits Guide 2026
This guide outlines the benefits available for the Peter Family for the plan year from July 1st to June 30th.
YOUR BENEFITS JOURNEY Plan Year: July 1 st - June 30 th 2026 BENEFITS GUIDE
ABOUT THIS GUIDEBOOK This benefits guidebook describes the highlights of Peter Family McDonald’s benefits program in non- technical language. Your specific rights to benefits under the plan are governed solely, and in every respect, by the official plan documents, and not the information in this guidebook. If there is any discrepancy between the descriptions of the program’s elements as contained in this benefits guidebook and the official plan documents, the language in the official plan documents shall prevail as accurate. Please refer to the plan-specific documents published by each of the respective carriers for detailed plan information. You should be aware that any and all elements of Peter Family McDonald’s benefits program may be modified in the future, at any time, to meet Internal Revenue Service rules, or otherwise as decided by Peter Family McDonald’s. When you see the following icons, click to access websites, view/download documents, or learn more! ? LEARN MORE HOW TO USE THIS GUIDE CARRIER LOGOS
ENROLLMENT & ELIGIBILITY Employee Eligibility All full-time employees working 20 or more hours per week are eligible for company offered benefit plans on the first of the month following part-time eligible basis. Dependent Eligibility Employees who are eligible to participate in the Peter Family McDonald’s 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: Karen Kelly joinmcd.billing@gmail.com ENROLL HERE
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. DOUBLE CHEESE IN-NETWORK DEDUCTIBLE Individual : $8,000 Family : $16,000 COINSURANCE 0% once the individual out-of-pocket maximum is met OFFICE VISITS Primary Care : $100 copay Specialist : $100 copay Urgent Care : $100 copay PROCEDURES Inpatient : N/A Outpatient : $2,000 copay Emergency Room : $500 copay OP Lab & X-ray : $200 copay Radiology : $200 copay PRESCRIPTIONS Retail : After deductible is met - $5/$40/$80/$250 OUT-OF-POCKET MAXIMUM Individual : $9,100 Family : $18,200 EMPLOYEE BIWEEKLY CONTRIBUTIONS Medical rates are age-banded 50 & Under Employee: $148.78 Employee + Spouse: $723.75 Employee + Children: $1,523.75 Family: $2,123.75 51-59 Employee: $280.00 Employee + Spouse: $1,280.00 Employee + Children: $1,880.00 Family: $2,480.00 Over 60 Employee: $455.00 Employee + Spouse: $1,155.00 Employee + Children: $1,755.00 Family: $2,355.00 *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 Double Cheese
YOUR HEALTH PLAN INCLUDES COLLABORATIVE CARE! Healthcare can be frustrating and difficult to navigate. When you have new, ongoing or complex symptoms and need guidance, we’re here to help you avoid misdiagnosis, unnecessary treatment and paying too much. We are a nurse concierge team with access to 4,000+ specialists, physicians and pharmacists across the nation, here to help you get to the right care. When we research your options and help you coordinate your care, we can possibly even waive your copays. Collaborative Care Nurse to help research and coordinate care COLLABORATIVE CARE What do I do? Where do I go? What will it cost? Access to the nations best: Physicians, surgeons, pharmacists, physical and mental health therapists • No Cost Expert Medical Opinion • Complex Care research and coordination • Chronic Disease management • High cost medication review • Surgery & Imaging review and navigation • Alternative therapies • Waived copays • and more... CALL THE NUMBER ON THE FRONT OF YOUR ID CARD FOR MORE! FAQs on the following page...
What is my Benefits Team? Your health plan comes with a team of dedicated benefit experts who know your benefit plan and can help guide you to answers, about coverage and claims, or resources for care, including your Collaborative Care benefit. What is Collaborative Care? Your plan gives you access to a team of benefit and clinical experts who will work together to help you assess your care options and choose the highest quality providers. How do I access Collaborative Care? Simply call the Benefits Team number on your ID card or in your app Does Collaborative Care replace my Primary Care Physician or Specialist(s)? Your PCP or Specialists play a key role in your care, as they provide the care. Collaborative Care is here to support existing relationships and ensure you’re getting the most from those relationships, in addition to finding the clinicians and facilities that will get you the best outcome. Does this cost me anything? Medical opinions, care coordination and research and condition management over and above existing treatments are no cost to you and can waive or reduce your out of pocket expenses on the right care. Should you choose to continue planned care or treatment, your benefits remain the same. Do I have to follow the advice of Collaborative Care? Collaborative Care will provide you with options. You can choose how you want to proceed. These options will always have the intent of providing you with high quality, affordable care. What can Collaborative Care help me with? • Non-urgent care (if you need a care issue resolved within 24 hours, we cannot support; utilize your telehealth option within your Member app or your local Urgent Care clinic) • Planning for routine lab work, prescriptions and condition management • Surgical second opinions through independent, board-certified specialists • Alternative non-surgical therapy options • And more... Will Collaborative Care ever proactively contact me? Yes, they may. Our clinical team works proactively to identify opportunities for better access to care or benefits based on specific conditions. In the event you are contacted, you can be certain it will be to provide assistance. What information is shared with my employer? Your Health Plan and Collaborative Care follow all HIPAA guidelines and take the utmost care in securing data and information. Individual health record information is available to Collaborative Care in conjunction with their efforts to assist you in coordinating your care needs and accessing the best benefits. When should I NOT contact Collaborative Care? You shouldn’t contact Collaborative Care for basic stuff like new ID cards, provider lists, etc. If you are experiencing a medical emergency, always dial 911 go to the nearest Emergency Room. For non-emergent, but urgent matters, contact your DPC doctor. FREQUENTLY ASKED QUESTIONS Call the number on the front of your card or access through your member portal to connect with The Benefits Team.
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. EQUITABLE DENTAL IN-NETWORK OUT-OF-NETWORK ANNUAL DEDUCTIBLE Individual: $25 Family: 3x individual Individual: $25 Family: 3x individual PREVENTIVE SERVICES Waived Waived BASIC SERVICES 80% 60% MAJOR SERVICES 50% 40% ANNUAL PLAN MAXIMUM $1,250 $1,250 ORTHO SERVICES $0 $0 ORTHO LIFETIME MAXIMUM $1,000 $1,000 EMPLOYEE BIWEEKLY CONTRIBUTIONS Employee: $9.42 Employee + Spouse: $18.46 Employee + Children: $34.20 Family: $34.20 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. Equitable Dental Review Plan Summary DENTAL
EQUITABLE VISION (VSP NETWORK) IN-NETWORK OUT-OF-NETWORK EXAMS $10 copay Up to $45 allowance MATERIALS $25 copay *See frames & lenses 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 allowance Up to $70 CONTACT LENSES Disposable: $130 allowance Medically Necessary: $25 copay Disposable: Up to $105 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 EMPLOYEE BIWEEKLY CONTRIBUTIONS Employee: $2.58 Employee + Spouse: $5.17 Employee + Children: $4.92 Family: $7.56 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. Vision Review Plan Summary 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.
LIFE INSURANCE TERM LIFE INSURANCE 101 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. VOLUNTARY LIFE AND AD&D EMPLOYEE $10,000 up to $100,000 in $10,000 increments, not to exceed 5 times your annual salary Voluntary Life Review Plan Summary
DISABILITY 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. VOLUNTARY SHORT-TERM DISABILITY BENEFIT 60% of your earnings to a maximum of $3,000 a week DURATION 3 months for Illness 3 months for Accident WAITING PERIOD Illness: 7 days Accident: No waiting period STD Review Plan Summary SHORT-TERM DISABILITY 101
VOLUNTARY BENEFITS 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 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. Click the icon to learn more about this benefit. CRITICAL ILLNESS 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. Click the icon to learn more about this benefit. HOSPITAL INDEMNITY 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. Click the icon to learn more about this benefit.
Collaborative Care Benefits Support 502-273-5995 peter.benengage.com Collaborative Care Benefits Support 502-273-5995 peter.benengage.com Collaborative Care Benefits Support 502-273-5995 peter.benengage.com Collaborative Care Benefits Support 502-273-5995 peter.benengage.com Collaborative Care Benefits Support 502-273-5995 peter.benengage.com Karen Kelly joinmcd.billing@gmail.com MEDICA L D E NTA L VISION LIFE INS U R A N C E D I SA B I L I T Y HR CONTAC T Collaborative Care Benefits Support 502-273-5995 peter.benengage.com ACCIDENT/CI/HOSPITAL CONTACT INFORMATION
VIEW NOTICES EMPLOYEE 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.
