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What are my 2027 benefit features?
Your health-plan contributions and coverage for 2027.
Bargaining unit
Employee weekly contribution for health care coverage
| Coverage | Medical and Prescription Drug Plan | Dental and Vision Program | Dental/Vision with Vision Buy-Up |
|---|---|---|---|
| Employee only | $35 | $9 | $11.89 |
| Employee + children | $50 | $13 | $20.99 |
| Family | $68 | $18 | $25.99 |
Medical plan
| Benefit | Medical and Prescription Drug Plan | |
|---|---|---|
| In-network | Out-of-network | |
| Annual deductible — Employee | $850 | |
| Annual deductible — Dependents | $850/person or $1700 for all dependents combined | |
| Annual deductible — Family | $2,550 | |
| Employee co-insurance after deductible is met | 20% | 35% |
| Preventive services2 — plan pays | 100% | 100% after $10 co-pay |
| Cancer screening services2 — plan pays | 100% | 100% after $20 co-pay |
| Immunizations — plan pays | 100% | |
| Emergency room professional services — plan pays | 80% after deductible | |
| Emergency room facility charges3 — plan pays | 80% after $100 co-pay and deductible | |
| Annual medical out-of-pocket maximum — Employee | $4,250 | $7,500 |
| Annual medical out-of-pocket maximum — Dependents | $5,100 | $8,350 |
| Annual medical out-of-pocket maximum — Family | $9,350 | $15,850 |
1 You may be responsible for charges over usual and customary amounts as determined by contract administrator
2 Deductible does not apply to preventive and cancer screening services
3 Co-pay does not apply if admitted to the hospital
4 Includes deductible, co-pays and co-insurance amounts for eligible medical exp.
Prescription drugs
| Prescription | You pay |
|---|---|
| Generic drug | 10% of the prescription cost ($5 minimum)5 |
| Brand name drug | 20% of the prescription cost ($5 minimum, $100 max) |
| Specialty brand name drug | 20% of the prescription cost ($5 minimum, $250 max) |
| Generic or brand name not on the Preferred Products list | 35% of the prescription cost5 ($5 minimum) |
| Prescription drug annual out-of-pocket maximum — Single coverage | $2,750 |
| Prescription drug annual out-of-pocket maximum — Family coverage | $5,500 |
If a brand name drug is dispensed when a generic is available, you will pay the difference in cost - this amount does not apply towards out-of-pocket maximum.
5 Applies toward prescription drug out-of-pocket maximum
Dental plan coverage
| Benefit | Delta Dental PPO | In-network | Out-of-network |
|---|---|---|---|
| Annual Deductible | $0 | $75 | $75 |
| Plan Annual Maximum | $3,000 | $2,500 | $2,500 |
| Diagnostic and Preventive | 10% | 20% | 20% |
| Restorative Care | 20%* | 20%* | 20%* |
| Temporomandibular Joint (TMJ) Disorder | $1,500 | $1,500 | $1,500 |
| Orthodontia | 50% up to $3,000 | 50% up to $2,500 | 50% up to $2,500 |
*After deductible
Vision plan coverage
| Service / frequency | In-network | Out-of-network |
|---|---|---|
| One exam every 24 months | $10 co-pay | Reimbursed up to $40 after $10 co-pay |
| One pair lenses and frames every 24 months | $20 co-pay | After $20 co-pay: Reimbursed up to $60 single vision; Reimbursed up to $89 bifocal ; Reimbursed up to $100 trifocal; Reimbursed up to $160 lenticular |
| Frames | Covered up to $150 | Reimbursed up to $70 |
| Elective contact lenses | $0 co-pay with exam; Covered up to $150 | Reimbursed up to $105 |
| Laser vision correction | Allowance of $200 per eye lifetime maximum | Reimbursed up to $200 per eye lifetime maximum |
Vision Buy-Up Plan
| Benefit | In-network | Out-of-network |
|---|---|---|
| Exam and lenses/frame (or contact lens) | Every 12 months | Every 12 months |
| Frame Allowance | $150 | $70 |
| Lens enhancements | Fully covered progressive lenses and anti-reflective coating | N/A |
| Non-covered lens enhancements | 35-40% savings with in-network providers | N/A |
Life insurance
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| Feature | Details |
|---|---|
| Basic coverage · paid by Hormel Foods | |
| Employee life — company paid | 1x annual salary up to $50,000 |
| Employee AD&D — company paid | 1x annual salary up to $50,000 |
| Child life — company paid | $2,000 (Age 14 days to 26 years) |
| Optional coverage · paid by you | |
| Employee life — optional | Coverage can be elected at 1/2 to 8 times annual salary. Maximum: $1,000,000 |
| Spouse life — optional | $10,000 - $100,000 |
| Spouse life — coverage increments | Offered in $5,000 or $10,000 increments |
| Child life — optional | $5,000, $10,000, or $20,000 |
| Child life — eligible ages | Age 14 days to 26 years old |
| Employee AD&D — optional | Coverage can be elected at 1 to 10 times annual salary |
| Employee AD&D — optional maximum | Max. $500,000 |
See life insurance details for eligibility and optional coverage requirements, including Statement of Health and enrollment rules.
Inspired Pathways Scholarship Program
Hormel Foods will provide two-year community or technical college tuition to the dependent children of all benefits eligible U.S. team members.
Short-term disability
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| Feature | Details |
|---|---|
| Eligibility | 1 year |
| Waiting Period | 5 working days |
| Duration | 10 weeks (1-4 yrs of service) 20 weeks (5-10 yrs of service) 25 weeks (11+ yrs of service) |
| Benefit % | 60% |
Long-term disability
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| Feature | Details |
|---|---|
| Coverage Type | Optional |
| Company Paid Premium | 0% |
| Employee Paid Premium | 100% |
| Eligibility | 1 year |
| Elimination Period | 180 days |
| Monthly Max | $5,000 |
| Monthly Benefit % | 50% |
| Max Duration | 5 year maximum |
This information is a summary only. Refer to your summary plan description and amendments for complete details.