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| Core Plan (HMO Open Access) | Buy-Up Plan (POS-Open Access) | HDHP/HSA Plan (POS-Open Access) | |||
|---|---|---|---|---|---|
| Services | In-Network Only | In-Network | Out-of-Network | In-Network | Out-of-Network |
| Deductible Individual | $750 | $750 | $1,000 | $2,800 | $5,200 |
| Deductible Family | $2,250 | $2,250 | $2,500 | $5,200 | $10,400 |
| Coinsurance | 80% | 80% | 60% | 100% | 70% |
| Out-of-Pocket Max Individual | $2,500 | $2,500 | $4,000 | $3,500 | $10,500 |
| Out-of-Pocket Max Family | $7,500 | $7,500 | $12,000 | $7,500 | $21,000 |
| Primary Care Physician | $25 copay | $25 copay | 60% | 0% after Deductible | 30% after Deductible |
| Core Plan (HMO Open Access) | Buy-Up Plan (POS-Open Access) | HDHP/HSA Plan (POS-Open Access) | |
|---|---|---|---|
| Tier 1 | $20 | $20 | $15 after Deductible |
| Tier 2 | $40 | $40 | $35 after Deductible |
| Tier 3 | $60 | $60 | $60 after Deductible |
| Core Plan (HMO Open Access) | Buy-Up Plan (POS-Open Access) | HDHP/HSA Plan (POS-Open Access) | |
|---|---|---|---|
| Tier 1 | $60 | $60 | $45 after Deductible |
| Tier 2 | $120 | $120 | $105 after Deductible |
| Tier 3 | $180 | $180 | $180 after Deductible |
| Employee Only | Employee & Spouse | Employee & Child (Children) | Family | |
|---|---|---|---|---|
| Core Plan | $72.26 | $263.28 | $250.12 | $335.53 |
| Buy-Up Plan | $115.18 | $347.80 | $330.29 | $425.53 |
| HDHP | $55.92 | $237.15 | $216.14 | $283.43 |
* Please note: employees who elect to cover their spouses under ARC’s medical plan when the spouse has access to medical insurance through their own employer will pay a $100 per pay period surcharge.
Group Health Insurance
The group health plan will continue to be administered through UMR. ARC offers three plan designs. The Core plan (HMO), offers “in network” benefits only, the Buy-Up plan (POS) offers both in and out-of-network services and the High Deductible Health Plan (HDHP) where you can contribute pre-tax dollars to a Health Savings Account (H.S.A.) for both in and out-of-network services. To determine if doctors or hospitals are in the network, visit the UMR website or call member services at 800.826.9781.
| PPO High Plan | PPO Medium Plan | |
|---|---|---|
| Deductable | ||
| Individual | $50 | $50 |
| Family | $150 Family waived for preventative services | $150 Family waived for preventative services |
| Coinsurance | ||
| Diagnostic & Preventative | 100% | 100% |
| Basic Restorative | 100% | 80% |
| Major Restorative | 60% | 50% |
| Annual Maximum | $1,750 | $1,750 |
| Orthodontics - $1,500 Lifetime Max | ||
| Deductable | $0 | $0 |
| Coinsurance | 50% | 50% |
HMO Low Plan
Under the Humana HMO Low Plan, you can focus on maintaining oral health and prevention, at a lower cost. There are no yearly maximums, no deductibles to be met, and no waiting periods.
What to do:
You must assign an in-network primary care dentist to access care on this plan.
How it works:
- Your primary care dentist (PCD) will provide all of your routine dental care, and you will pay any copayments to your dentist at the time of service.
- Covered family members can choose their own pri-mary care dentist.
- Should you need to see a specialist (i.e., endodontist, oral surgeon, periodontist, pediatric dentist), you will be referred by your in-network primary care dentist, or you can self-refer to any participating specialist.
- Keep in mind, you and your covered family members can change your primary care dentist at any time, by reaching out to Humana.
- Plan copayments for covered services are applicable at either an in-network general dentist or in-network specialist.
| Plan Design Elements | PPO Dental Plans | HMO Dental Plans |
|---|---|---|
| Coinsurance | Yes % of contracted rate covered in network Out-of-network reimbursement level at 90th R&C | Flat rate for services Coinsurance applicable for implant cover-age |
| Annual Maximum | Yes $1,750 | No |
| Deductible | Yes $50 individual / $150 family | No |
| Copays | None | Yes |
| Staying In-Network Required? | No, but it is beneficial to stay in-network for discounted services | Yes, there is not out-of-network coverage offered under the plan |
| Primary Dentist Required | No | Yes, required to receive care |
| Employee Only | Employee & Spouse | Employe & Child/Children | Family | |
|---|---|---|---|---|
| PPO High Plan | $8.04 | $17.22 | $16.41 | $29.74 |
| PPO Medium Plan | $6.65 | $14.26 | $13.82 | $24.97 |
| PPO Low Plan | $2.95 | $4.29 | $5.73 | $10.19 |
| Examinations | $20 copay |
|---|---|
| Prescription Glasses | $20 copay / standard lenses covered in full; frames covered up to $130 Every 24 months core plan Every 12 months buy-up plan |
| Contact Lenses instead of eye glasses | Contact fitting and evaluation covered in full with a maximum copay of $60; elective lenses $130 allowance Every 24 months core plan Every 12 months buy-up plan |
| Core Plan | Buy-Up Plan | |
|---|---|---|
| Employee | $1.80 | $3.60 |
| Employee + 1 | $2.70 | $5.40 |
| Employee + 2 | $3.60 | $8.10 |
Health Savings Account (HSA)
HSA is a pre-tax medical savings account available to taxpayers who are enrolled in a high-deductible plan. The HSA can be used to pay for eligible health care expenses not covered by the insurance plan.
You decide how much to contribute (up to the IRS annual limit), and which expenses you will pay out of your account. Withdrawals from the HSA are not taxed as long as they are used for qualified expenses. The account is individually owned which means you take it with you when you change jobs or retire. You must be enrolled in an HDHP in order to enroll in a HSA.
Contributions
The 2026 IRS maximum annual contribution for your HSA is $4,400 for individuals and $8,750 for family.
HSA Advantages
- Contributions are tax deductible.
- If the account has a credit balance at the end of the year, that balance is “rolled over” to the following year.
- The account provides an opportunity to build a significant balance after years of tax-free contributions, interest and investments.
- If you terminate the HDHP plan with ARC, you have the option to leave the funds in the HSA or roll them over to another financial institution that is a qualified HSA custodian/trustee.
Qualified Medical Expenses
A qualified medical expense is a medical care expense that is primarily for the prevention or alleviation of a physical or mental defect or illness. In general, this includes the same services covered by your health plan. In addition, the HSA will cover money that goes toward the following:
- Deductibles & coinsurance
- Eyeglasses & contact lenses
- Dental Services
- Prescription Drugs
- Certain non-prescription drugs
- Certain services not covered by your health plan
Telemedicine Resource — Teledoc
Teladoc provides 24/7/365 access to convenient, confidential, and affordable healthcare. You can speak with a licensed doctor about non-emergency health issues anywhere you are - at home, at work, or on vacation by visiting teladoc.com or by calling 800.835.2362. Teladoc doctors can diagnose and treat cold and flu symptoms, allergies, upper respiratory, infections, skin problems, and more. Teladoc doctors can send a prescription to your local pharmacy, when medically necessary. In 2026, all plans will have a $0 copay.
Health Advocate
Health Advocate is available to you and your family, including your spouse, dependent children, parents and par-ents-in-law. As an employee you are automatically enrolled in the Health Advocate service– free of charge! Health Advocate will help you deal with claims, healthcare bills (including negotiation of bill overcharges), payment arrangements and other administrative and clinical issues. They can also help you find physicians, hospitals, pharmacies and related healthcare providers, and even schedule appointments.
To access Health Advocate services, simply call 1.866.695.8622 (toll-free) and you or a covered family member will be connected to your own Personal Health Advocate (typically a registered nurse) who can help you solve problems and make it easier for you to navigate healthcare and insurance issues.