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 Service | More Than 5 Years Service | |||||||
| Standard Rate | Wellness Rate* | Standard Rate | Wellness 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 Service | More Than 5 Years Service | |||||||
| Standard Rate | Wellness Rate* | Standard Rate | Wellness 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 Benefits | Lucent Health (TPA) | |
|---|---|---|
| Annual Deductible | ||
| Individual | $500 | |
| Family | $1,000 | |
| Coinsurance | 20% | |
| 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 Exams | 100% Covered | |
| Well-Child Care | 100% Covered | |
| Diagnostic Services | ||
| X-ray and Lab Tests | 20% after deductible | |
| Complex Radiology | 20% 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 Charges | 20% after Deductible | |
| Outpatient Facility and Surgical Charges | 20% after deductible | |
| Mental Health | ||
| Inpatient | 20% after deductible | |
| Outpatient | $25 copay | |
| Substance Abuse | ||
| Inpatient | 20% 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
