Benefit Plan Options

Discover plans for medical, dental, prescription drugs, and vision that fit your needs, as well as your family’s.

Medical & Prescription Plan Options

Pick from one of three different medical plan choices. Each is structured differently in terms of copays, premiums and deductibles.

Core PPO Plan

The Core PPO Plan offers traditional coverage for health care services at the lowest cost to employees. This plan has copays for office visits, urgent care, and prescription drugs. The plan has the highest deductible and lowest weekly premiums. Preventive care is covered at 100 percent.

Health Investment Plan

The Health Investment Plan offers a high-deductible and is eligible for a Health Savings Account. All services, including prescriptions, are subject to your deductible. Preventive care is covered at 100 percent.

Premier PPO Plan

The Premier PPO Plan offers traditional coverage for health care services. This plan has the lowest deductible, copays and the highest weekly premiums. You will pay a set copay for basic services like office visits or prescriptions. Preventive care is covered at 100 percent.

Pre-Tax Savings Accounts

In 2024, the maximum amount you can contribute to either a Health Savings Account or a Flexible Spending Account will increase. What type of these pre-tax savings accounts you can contribute to is determined by the health care plan you choose.

Premier PPO

Core PPO

Health Investment Plan

FSA

Contribution: $3,200
Eligible Expenses:
- Medical
- Prescription
- Dental
- Vision

Limited Purpose FSA

Contribution: $3,200
Eligible Expenses:
- Dental
- Vision

HSA

Contribution:
- S – $4,150
- F – $8,300
Eligible Expenses:
- Medical
- Prescription
- Dental
- Vision

Health Investment Plan (HIP)

HSA	IRS Limit	Company Contribution	Employee Contribution Maximum
1 Individual	$4,150	$500	$3,650
2 Individuals	$8,300	$750	$7,550
3+ Individuals	$8,300	$1,000	$7,300
Age 55+	Additional $1,000 catch-up contributions allowed

Dependent Care FSA

Annual
Maximum

$5,000

Company
Contribution

$500

Employee Annual
Maximum

$4,500

Annual
Maximum

$5,000

Company Contribution

$500

Employee Annual Maximum

$4,500

Contribute up to $4,500 annually in pretax dollars to pay for eligible child care expenses. Receive a dollar-for-dollar company match up to $500. Plan carefully, the DC FSA follows the ‘use it or lose it’ rule.

Optum Financial

Optum Financial will continue to administer the FSA and HSA in 2024.

Dental & Orthodontia Plan

The Gordon Food Service Dental Plan is administered by Delta Dental of Michigan. This plan is purchased separately from the medical coverage. To locate an in-network dentist, visit www.deltadentalmi.com and click on “Find a Dentist”.

Delta Dental ID Cards Provided but not Required to Access Coverage

When you seek services from an in-network Delta Dental provider, they can verify coverage with the following information: Employee Social Security Number, Plan 1800, (800) 524-0149

Dental Weekly Premiums

	Emp	Emp/Sp	Emp/Ch(ren)	Emp/Sp/Ch(ren)
Dental	$2.26	$4.77	$4.31	$6.80

Benefits of Using In-Network Dentists

To maximize the benefits available under the plan, Gordon Food Service has partnered with Delta Dental of Michigan to offer services for a reduced fee if an in-network dentist is used. The dental network consists of Delta Dental PPO and the Delta Dental Premier networks. Dentists outside the network may be used with the same dental benefit coverage; however, you will not receive a reduced rate for those services and may be billed for services over what the plan covers.