Medical Insurance

Atlantic Packaging offers medical coverage administered through our Third-Party Administrator, Lucent Health. The chart below provides a brief outline of what is offered.

Please refer to the summary plan description for complete plan details.

Cost of Coverage

Employee Contributions

Rates as of  October 1, 2023

Weekly Employee Contributions
Less Than 5 Years ServiceMore Than 5 Years Service
Standard RateWellness Rate*Standard RateWellness Rate*
Employee$50.81$39.27$34.80$16.34
Employee & Spouse$120.78$93.66$99.10$69.83
Employee & Child(ren)$92.80$70.06$75.92$51.07
Employee & Family$196.72$158.06$178.83$137.74
Monthly Employee Contributions
Less Than 5 Years ServiceMore Than 5 Years Service
Standard RateWellness Rate*Standard RateWellness Rate*
Employee$220.18$170.18$150.81$70.81
Employee & Spouse$523.37$405.87$429.45$302.61
Employee & Child(ren)$402.13$303.60$328.98$221.29
Employee & Family$852.47$684.92$774.93$596.87

*Wellness premiums are based on program participation

Coverage

Medical Plan BenefitsLucent Health (TPA)
Annual Deductible
Individual$500
Family$1,000
Coinsurance20%
Maximum Out-of-Pocket*
Individual$2,500
Family$5,000
Physician Office Visit
Primary Care$25 copay
Specialty Care$50 copay
Teladoc$0 copay
Preventive Care
Adult Periodic Exams100% Covered
Well-Child Care100% Covered
Diagnostic Services
X-ray and Lab Tests20% after deductible
Complex Radiology20% after deductible
Urgent Care Facility$50 copay
Emergency Room Facility Charges$250 copay for first visit,
then 20% after deductible for subsequent visits
Inpatient Facility Charges20% after Deductible
Outpatient Facility and Surgical Charges20% after deductible
Mental Health
Inpatient20% after deductible
Outpatient$25 copay
Substance Abuse
Inpatient20% after deductible
Outpatient$25 copay
Other Services
Chiropractic$50 Copay
(30 visits combined with other outpatient therapies per plan year)
Acupuncture$50 Copay
Medical and Rx:
Summary of Benefits and Coverage (SBC)
How to Read an
Explanation of Benefits (EOB)
Download and EOB
Wellness Packet:
Wellness Insurance Premium Discount

Video: How to Read an EOB

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
page
elementor_library
ninja-table
oceanwp_library