Benefits
Your Medical Benefits
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 60 days of their date of hire.
Enrollment
All eligible employees must complete their benefit enrollment before their coverage effective date. Enrollment must be submitted in advance to ensure that benefit elections are active when coverage begins.
If you do not enroll before your coverage begins, you may need to wait until the next annual open enrollment period, unless you experience a qualifying life event (such as marriage, birth or adoption of a child, or loss of other coverage).
Cigna PPO $750
Cigna PPO $1500
Cigna Healthcare
www.cigna.com
SmithRx
Phone: 844-454-5201
https://www.smithrx.com
2026 Medical Contributions | 72+ Hours
| $750 PPO | $1500 PPO | |||||
|---|---|---|---|---|---|---|
| Total Monthly Cost | Emp Monthly Cost | Emp Per Pay Cost | Total Monthly Cost | Emp Monthly Cost | Emp Per Pay Cost | |
| Individual | $1,048.47 | $130.00 | $60.00 | $861.89 | $52.00 | $24.00 |
| Couples | $2,220.07 | $496.16 | $229.00 | $1,807.25 | $201.50 | $93.00 |
| Emp/Child | $1,553.89 | $286.00 | $132.00 | $1,269.70 | $114.84 | $53.00 |
| Emp/Children | $1,914.28 | $390.00 | $180.00 | $1,560.52 | $158.16 | $73.00 |
| Family | $2,941.39 | $743.16 | $343.00 | $2,389.27 | $312.00 | $144.00 |
2026 Medical Contributions | 60 - 71 Hours
| $750 PPO | $1500 PPO | |||||
|---|---|---|---|---|---|---|
| Total Monthly Cost | Emp Monthly Cost | Emp Per Pay Cost | Total Monthly Cost | Emp Monthly Cost | Emp Per Pay Cost | |
| Individual | $1,048.47 | $151.66 | $70.00 | $861.89 | $58.50 | $27.00 |
| Couples | $2,220.07 | $569.83 | $263.00 | $1,807.25 | $229.66 | $106.00 |
| Emp/Child | $1,553.89 | $316.33 | $146.00 | $1,269.70 | $123.50 | $57.00 |
| Emp/Children | $1,914.28 | $439.83 | $203.00 | $1,560.52 | $169.00 | $78.00 |
| Family | $2,941.39 | $863.53 | $399.00 | $2,389.27 | $333.66 | $154.00 |
Helpful Resources
Allied Member Services
800-288-2078
www.alliedbenefit.com
Your Dental Benefits
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 60 days of their date of hire.
Enrollment
All eligible employees must complete their benefit enrollment before their coverage effective date. Enrollment must be submitted in advance to ensure that benefit elections are active when coverage begins.
If you do not enroll before your coverage begins, you may need to wait until the next annual open enrollment period, unless you experience a qualifying life event (such as marriage, birth or adoption of a child, or loss of other coverage).
United Concordia Dental Benefits
Helpful Resources
United Concordia
Phone: 800-332-0366
Website: http://www.unitedconcordia.com
2026 Dental Contributions | 72+ Hours
| Basic Plan | Buy-Up Plan | |||||
|---|---|---|---|---|---|---|
| Total Monthly Cost | Emp Monthly Cost | Emp Per Pay | Total Monthly Cost | Emp Monthly Cost | Emp Per Pay | |
| Individual | $35.71 | $6.30 | $2.91 | $39.56 | $10.67 | $4.92 |
| Couples | $60.64 | $25.66 | $11.84 | $67.18 | $33.35 | $15.39 |
| EE+Child(ren) | $65.50 | $27.72 | $12.79 | $72.56 | $36.03 | $16.63 |
| Family | $101.77 | $43.08 | $19.88 | $112.74 | $55.97 | $25.83 |
2026 Dental Contributions | 60-71 Hours & Part-Time
| Base Plan | Buy-Up Plan | |||||
|---|---|---|---|---|---|---|
| Total Monthly Cost | Emp Monthly Cost | Emp Per Pay | Total Monthly Cost | Emp Monthly Cost | Emp Per Pay | |
| Individual | $35.71 | $35.71 | $16.48 | $39.56 | $39.56 | $18.26 |
| Couples | $60.64 | $60.64 | $27.99 | $67.18 | $67.18 | $31.01 |
| EE+Child(ren) | $65.50 | $65.50 | $30.23 | $72.56 | $72.56 | $33.49 |
| Family | $101.77 | $101.77 | $46.97 | $112.74 | $112.74 | $52.03 |
Your Vision Benefits
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 60 days of their date of hire.
Enrollment
All eligible employees must complete their benefit enrollment before their coverage effective date. Enrollment must be submitted in advance to ensure that benefit elections are active when coverage begins.
If you do not enroll before your coverage begins, you may need to wait until the next annual open enrollment period, unless you experience a qualifying life event (such as marriage, birth or adoption of a child, or loss of other coverage).
Helpful Resources
VBA Plans
Phone: 800-432-4966
Website: https://www.vbaplans.com/
2026 Vision Contributions | 72+ Hours
| VBA Vision Plan | |||
|---|---|---|---|
| Total Monthly Cost | Emp Monthly Cost | Emp Per Pay | |
| Individual | $4.46 | $2.88 | $1.33 |
| Family | $10.55 | $4.88 | $2.25 |
2026 Vision Contributions | 60-71 Hours & Part Time
| VBA Vision Plan | |||
|---|---|---|---|
| Total Monthly Cost | Emp Monthly Cost | Emp Per Pay | |
| Individual | $4.46 | $4.46 | $2.06 |
| Family | $10.55 | $10.55 | $4.87 |
Your Health Reimbursement Account (HRA) Benefits
A health reimbursement account (HRA) is an employer-funded account that is designed to reimburse employees for qualified medical expenses that are paid for out-of-pocket. The HRA account is completely funded by Foxdale Village and no employee contributions are required for this additional benefit.
Eligibility & Enrollment
All employees who are enrolled in the Foxdale Village medical plan can participate in the HRA and are automatically enrolled.
Qualified Medical Expenses
The HRA administered by Webber Advisors will reimburse up to $500 in deductible expenses for individual coverage and up to $1,000 in deductible expenses for family coverage. Copays and coinsurance are not eligible for reimbursement under the HRA account.
It is your responsibility to pay the provider. If you submit your claim for reimbursement to Webber Advisors as soon as you receive your EOB from Highmark, you should receive your reimbursement in plenty of time to pay the provider.
How To Submit A Claim For Reimbursement
MAIL:
Webber Advisors
PO Box 593
Hollidaysburg, PA 16648
FAX:
(814) 317-1610
EMAIL:
claims@webberadvisors.com
Claim Reimbursement Timeframe
Helpful Resources
Webber Advisors
PO Box 593
Hollidaysburg, PA 16648
Phone: (800) 326-9850
Fax: (814) 317-1610
Email: claims@webberadvisors.com
Website: https://webberadvisors.lh1ondemand.com
Your Healthcare Flexible Spending Benefits
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 60 days of their date of hire.
Enrollment
All eligible employees must complete their benefit enrollment before their coverage effective date. Enrollment must be submitted in advance to ensure that benefit elections are active when coverage begins.
If you do not enroll before your coverage begins, you may need to wait until the next annual open enrollment period, unless you experience a qualifying life event (such as marriage, birth or adoption of a child, or loss of other coverage).
Types of Flexible Spending Accounts
This is a great way for you and your family to save money by reducing your taxable income. By enrolling in one or both of these accounts, you can pay for eligible, uninsured health and dependent care expenses with pre-tax dollars. The following is a brief description of the accounts available through your employer:
- Healthcare Spending Account: This account will reimburse you with pre-tax dollars for health care expenses not reimbursed under your family’s health care plan(s). In 2026, you may contribute up to $3,400 a year.
- Dependent Care Spending Account: This account will reimburse you with your pre-tax dollars for day-care expenses for your child(ren) and other qualifying dependents. In 2026, you man contribute up to $7,500 a year or $3,750 if you are married and file separate tax returns.
How FSAs Work
- Each year during the open enrollment period, you decide how much, if any, you want to contribute to the health and dependent care spending accounts. Refer to the FSA Election Form for the maximum amount you may want to contribute.
- Each pay period, the money that is deducted before taxes is withheld in equal increments from your pay and contributed to your healthcare account.
- When you have an eligible expense, submit a claim form to Webber Advisors for reimbursement with a detailed receipt for healthcare expenses not covered by your medical or dental plan(s).
- You will then be reimbursed for your eligible expenses up to the full amount you contributed to the health care spending account for the plan year. You will only be reimbursed up to your account balance for the dependent care account.
- Claims can be mailed, faxed, or e-mailed to Webber Advisors, but please do not submit the same claim more than once.
Please note: The Healthcare FSA is generally a “use it or lose it” plan, meaning most unused funds do not carry over to the next year. However, under the Carryover Provision for 2026, participants may carry over up to $680 in unused Healthcare Spending Account funds into the following plan year. You do not need to make a new election in order to have the carryover, as long as you remain a benefits eligible employee, your carryover will be available for you to use.
The carryover provision does not apply to the Dependent Care FSA. However, a grace period allows you to incur eligible expenses through March 15, 2026, and apply them to your 2025 account balance. All claims must be submitted no later than March 31, 2026.
Helpful Resources
PO Box 593
Website: https://webberadvisors.lh1ondemand.com
Your 403(b) Benefits
Eligibility & Enrollment
All new employees are automatically enrolled in the 403(b) plan with a 3.5% contribution rate.
If you do not wish to participate, you must opt out.
Contribution Limits
Employees under age 50 may contribute up to $24,500 per year.
Employees age 50 or older may contribute an additional $8,000 (“catch-up”), for a total of $32,500 annually.
NEW for 2026:
- Employees earning more than $150,000 annually and making catch-up contributions must make those as ROTH contributions.
- Participants who are age 60, 61, 62, or 63 at the end of 2026 are eligible for an enhanced catch-up limit of $11,250, bringing their total allowable contribution to $35,750.
Foxdale Village Match & Grant Eligibility
To receive the Foxdale match and grant, employees must:
- Be 21 years of age or older, and
- Be regular part-time or regular full-time, or work 1,000 hours in a plan year, and
- Have completed their introductory period.
Match & Grant Start Date:
The Foxdale match and grant begin on the first day of the month following completion of 90 days of employment, if eligibility criteria are met.
Vesting Schedule
| Contribution Type | Vesting Schedule |
| Employee Contributions | 100% vested immediately |
| Foxdale Contributions | 50% vested after 2 qualifying years 100% vested after 3 qualifying years |
A qualifying year is any calendar year in which an employee works 1,000 hours.
Helpful Resources
Empower
Phone: 855-756-4738
Weekdays: 8:00am – 10:00pm Eastern time
Saturdays: 9:00am – 5:30pm Eastern time
Website: www.participant.empower-retirement.com
Your Group Term Life and AD&D Benefits
Helpful Resources
AUL/OneAmerica
Phone: 855-517-6365
Fax: 844-287-9499
Website: http://www.employeebenefits.aul.com
Your Voluntary Term Life and AD&D Benefits
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 60 days of their date of hire.
Enrollment
All eligible employees must complete their benefit enrollment before their coverage effective date.
New hire employees must complete their benefit enrollment no later than 31 days after their coverage effective date. If enrollment is completed after their coverage effective date and within the 31 days, coverage will be effective on the first of the month following that election.
Enrollment must be submitted in advance to ensure that benefit elections are active when coverage begins.
If you do not enroll before your coverage begins, you may need to wait until the next annual open enrollment period, unless you experience a qualifying life event (such as marriage, birth or adoption of a child, or loss of other coverage).
Helpful Resources
AUL/OneAmerica
Phone: 855-517-6365
Fax: 844-287-9499
Website: http://www.employeebenefits.aul.com
Your Short Term Disability Benefits
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 60 days of their date of hire.
Enrollment & Rates
All new employees are automatically enrolled in the Short Term Disability plan and provided at no cost to you.
Helpful Resources
AUL/OneAmerica
Phone: 855-517-6365
Fax: 844-287-9499
Email: disabillity.claims@oneamerica.com
Website: http://www.employeebenefits.aul.com
Your Long Term Disability Benefits
Helpful Resources
AUL/OneAmerica
Phone: 855-517-6365
Fax: 844-287-9499
Email: disabillity.claims@oneamerica.com
Website: http://www.employeebenefits.aul.com