Health-related benefits

The USFWC is dedicated toward health equity and mobilizing our membership to create better, more affordable options for health care.

So far, we have been able to organize a dental plan, which went into effect in January 2016. We are pleased to be able to offer a vision plan, starting January 2018.


How it works:

Members may send an inquiry to be added to the benefits plans at benefits@usworker.coop. Active members will be added, and will be billed monthly for the upcoming month. Fees are calculated per selected member plan + an admin fee per organization.


Here's a video reviewing our dental AND upcoming vision plans:

NOTE: These rates and administration fee are in negotiation— stay tuned for updates.

Have questions about benefits? email us at benefits@usworker.coop for more information.

Need to update your benefits information?

Use the form here.

*In Development* USFWC-sponsored retirement plan, reduced rates on business insurance

Click on "Dental" or "Vision" below for details on each.

This dental plan was developed because it’s so hard for small cooperatives to get a good dental plan that doesn’t have hidden terms and surprise costs. This plan, provided through United Concordia, is transparent, affordable, and easy to use.  

How much coverage do I get?

 Plan Preferred Provider Organization Explanation
Deductible $50 per person
($150 max per family)
This applies to all services in Type B & C
ANNUAL MAX $1,500 This is how much the insurance company will cover per person
Type A Services (Preventative): Exams, X-rays, Cleanings, Fluoride Treatments, Sealants, Palliative Treatment (emergency) $0 copay (deductible waived) The “basics” of dental care don’t require a co-pay so you are covered 100% on these services
Type B Services (Basic Restorative):
Oral Surgery, Periodontics, Extractions, Endodontics, Fillings, Basic Restorative Services, Complex Oral Surgery, General Anesthesia, Space Maintainers, Repairs of Crowns, Bridges, Dentures
You pay 0-20% of costs after deductible These services are broad categories and there are more detailed lists of what falls into them upon request. 80% of the bill is paid for by the insurance company.
Type C Services (Major Restorative): Inlays, Onlays, Crowns, Prosthetics (Bridges & Dentures) You pay 50% of costs after deductible $50 deductible + 50% of the cost is what you will be paying
Orthodontics You pay 50% coverage ($1000 lifetime benefit maximum per child) The Orthodontics max is for children meaning under 19

Each section above are the classes of dental care you may receive beside them are the percentages you would pay.

Starting next year, we will be offering voluntary group vision benefits. By getting group coverage, the benefits and prices are far better than what we could get individually.

Open Enrollment starts in November 2017.

NOTE: These rates are in negotiation, and a small admin fee may apply. Visit usworker.coop/benefits and read our frequently asked questions area, or email us at membership@usworker.coop for more information.

In-Network Out of Network
Vision Plan Eye Exam Once every 12 mo. Covered 100% after $10 copay Reimbursed up to $30
Frames Once every 24 mo Standard Glass or Plastic Covered 100% after $25 copay Single Vision up to $36 Bi-focal up to $48 Tri-focal up to $58 Lenticular up to $90
Lenses Once every 12 mo. Covered up to $130 20% discount off remaining balance over $130 Up to $72
Contact Lenses Once every 12 mo (In lieu of lenses) Covered up to $130 (10% discount off remaining balance over $130) Evaluation & fitting covered 100% (In lieu of lenses) Covered up to $98 Evaluation & fitting covered up to $20 for daily wear $30 for extended wear
 

Frequently Asked Questions

Am I eligible to enroll in this plan?

All dues paying members are eligible to enroll as a workplace. If you work full time (above 20 hours a week) you are qualified for coverage. As a workplace you need 70% enrollment. This is only out of qualifying workers (workers that are already covered by a spouse don’t count as qualified). We hold open enrollment every fall for current members. If you are a new member you may enroll when you become a member with in a 3 month period. More information on becoming a member here.

How do I enroll?

Our enrollment period is during the month of October. On our dental homepage we have a workplace enrollment form. Information needed on the form is name, address, gender, SSN or Taxpayer ID number for all enrolling including dependents and partners.

This information should be sent to benefits@usworker.coop. Once we receive an enrollment form we will send your workplace a contract to be signed and returned.

Finally we will send your workplace monthly invoices.

When can I join the plan?

October! Unless you are a brand new member of the USFWC if you are a new join we can enroll you on the top of a monthly billing cycle.  If you already have a dental plan in place, you can also enroll when that plan ends!

What dentists are on the plan?

We built a plan that can serve our nationally spread out members so you can go to any dentist. This means that Out of network benefits will be the same as in-network benefits. Please be advised that there is a possibility that you will have to pay extra if your dentist is among the most expensive 10% of providers.  You will only have to pay extra if your provider is amongst the top 10% most expensive in your area. The extra amount will most likely be small though.

How much is the dental plan?

These are the 2017 rates, which are currently in negotiation for 2018.

Family Status Monthly Premium
Single $35.80
Employee + Child(ren) $72.50
Couple $70.40
Family $116

We require that workplaces pay a minimum of 50% of workers monthly premium. We strongly encourage workplaces to pay as close as possible to 100% of the cost because it is in the best financial interest of both the business and the worker.

Can I have my partner/family/etc. On the plan too?

Yes! Dependants are eligible until the age of 26. Partners/spouses can be covered legal marriage is not required, however, proof of shared bills or lease showing shared residence is required. We don’t require workplaces to contribute to non-workers monthly premium.

Can I unenroll?

Yes if at any point you no longer want dental insurance you can opt out before the monthly invoice. But you can not re-enroll once you have dropped the plan.

Who is our provider? Do I get an insurance card?

Our provider is United Concordia and insurance cards are mailed to individuals based on the address provided upon enrollment. But as soon as coverage begins workers are able to use our group plan number along with their social security number to use the plan. For dependents, they may need to use the SSN/Tax Id # of the worker/person actually employed at the Co-op.

How does billing work?

We send a monthly invoice to the workplace digitally. In the invoice email you'll see that there's a "pay now" button, which allows you to transfer money into our dental account.

We're using Intuit, it is what we found to be the most straightforward and inexpensive.  You can make a payment without signing in, or you can create an account so that future payments will be faster.  

How do we change worker information?

If a worker owner changes addresses/has a kid/moves in with the partner/Leaves the plan/ goes part time/gets hired you can fill out a form here and we will change it to be reflected on your invoice. This form can also be found on our USFWC dental plan page.

What if the question I have isn’t on here?

Email benefits@usworker.coop Any questions you might have.