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What are my 2027 benefit features?
Your health-plan contributions and coverage for 2027.
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Parent company
Employee weekly contribution for health care coverage
| Annual salary / coverage | Healthy Savings Plan | Traditional Plan | Dental and Vision Program |
|---|---|---|---|
| Less than $75,000 · Employee only | $24 | $44 | $8 |
| Less than $75,000 · Employee + children | $33 | $70 | $10 |
| Less than $75,000 · Family | $53 | $120 | $12 |
| $75,000–$149,999 · Employee only | $32 | $50 | $9 |
| $75,000–$149,999 · Employee + children | $47 | $79 | $11 |
| $75,000–$149,999 · Family | $78 | $139 | $13 |
| $150,000 and above · Employee only | $38 | $57 | $10 |
| $150,000 and above · Employee + children | $58 | $91 | $12 |
| $150,000 and above · Family | $96 | $153 | $14 |
Medical plan comparison — BCBS PPO Network
| Benefit | Healthy Savings Plan | Traditional Plan | ||
|---|---|---|---|---|
| In-network | Out-of-network | In-network | Out-of-network | |
| Annual deductible — Employee only | $2,500 | $850 | ||
| Annual deductible — Family | $5,000 | $1,700 | ||
| Annual medical out-of-pocket maximum — Employee only | $5,000 | $7,600 | $4,000 | $7,500 |
| Annual medical out-of-pocket maximum — Family | $7,900 per person or $10,000 per family | $7,900 per person or $15,200 per family | $8,000 | $15,000 |
| Prescription drug out-of-pocket maximum — Employee only | Included in Medical OOP | $2,500 | ||
| Prescription drug out-of-pocket maximum — Family | Included in Medical OOP | $5,000 | ||
| Preventive care and certain preventive prescription drugs (no deductible) | 0% | 35% | 0% | 35% |
| Most non-preventive services — after deductible, you pay | 20% | 35% | 20% | 35% |
| Emergency room | After $300 co-pay & deductible, you pay 20% | After $300 co-pay & deductible, you pay 20% | ||
| Generic prescriptions | 20% | 10% of cost ($5 min.) | ||
| Brand-name prescriptions | 20% | 20% of cost ($5 min.) | ||
| Excluded from Preferred Products List | 20% | 35% of cost | ||
Family deductibles and OOP maximums include employee and dependents. (Deductible and OOP maximums include medical and prescription drug expenses)
Healthy Savings prescription drug percentages apply after the deductible.
Dental plan coverage
| Benefit | Delta Dental PPO | Delta Dental Premier | Out-of-network |
|---|---|---|---|
| Individual Deductible/ Family Deductible | $50/ $150 | $50/ $150 | $50/ $150 |
| Plan Annual Maximum Payment (per covered person) | $3,000 | $3,000 | $3,000 |
| Diagnostic and Preventive | 0% | 0% | 0% |
| 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 calendar year | $10 co-pay | Reimbursed up to $60 after $10 co-pay |
| One pair lenses every calendar year | $20 co-pay | After $20 Co-Pay - Reimbursed up to: $60 Single Vision; $89 Bifocal; $100 Trifocal; $160 Lenticular |
| One frame every 24 months | Covered up to $150 | Reimbursed up to $70 |
| Elective contact lenses every calendar year | $0 co-pay with exam; Covered up to $150 | Reimbursed up to $105 |
| Laser vision correction | Allowance of $200 per eye | Reimbursed up to $200 per eye lifetime maximum |
Flexible Spending Accounts
| Account | Contribution |
|---|---|
| Health Care FSA | Health Care FSA (FSA) for eligible medical, dental, vision and prescription drug expenses: may elect $52 to $3,400 per year |
| Limited Purpose FSA | Limited Purpose FSA (LPFSA) for eligible dental and vision expenses: may elect $52 to $3,400 per year |
Remember: You must elect a medical FSA/LPFSA in 2027 to rollover any unused funds. The rollover limit is $680.
Health Savings Account
| Coverage | Optional pre-tax contribution |
|---|---|
| Single | Single $0 to $4,500 |
| Family | Family $0 to $9,000 |
| Age 55 or older | Add'l $1,000 if age 55 |
Subsidiary
Employee weekly contribution for health care coverage
| Coverage | Healthy Savings Plan | Traditional Plan | Dental and Vision Program |
|---|---|---|---|
| Employee only | $24 | $34 | $8 |
| Employee + children | $33 | $53 | $10 |
| Family | $53 | $90 | $12 |
Medical plan comparison — BCBS PPO Network
| Benefit | Healthy Savings Plan | Traditional Plan | ||
|---|---|---|---|---|
| In-network | Out-of-network | In-network | Out-of-network | |
| Annual deductible — Employee only | $2,500 | $850 | ||
| Annual deductible — Family | $5,000 | $1,700 | ||
| Annual medical out-of-pocket maximum — Employee only | $5,000 | $7,600 | $4,000 | $7,500 |
| Annual medical out-of-pocket maximum — Family | $7,900 per person or $10,000 per family | $7,900 per person or $15,200 per family | $8,000 | $15,000 |
| Prescription drug out-of-pocket maximum — Employee only | Included in Medical OOP | $2,500 | ||
| Prescription drug out-of-pocket maximum — Family | Included in Medical OOP | $5,000 | ||
| Preventive care and certain preventive prescription drugs (no deductible) | 0% | 35% | 0% | 35% |
| Most non-preventive services — after deductible, you pay | 20% | 35% | 20% | 35% |
| Emergency room | After $300 co-pay & deductible, you pay 20% | After $300 co-pay & deductible, you pay 20% | ||
| Generic prescriptions | 20% | 10% of cost ($5 min.) | ||
| Brand-name prescriptions | 20% | 20% of cost ($5 min.) | ||
| Excluded from Preferred Products List | 20% | 35% of cost | ||
Family deductibles and OOP maximums include employee and dependents. (Deductible and OOP maximums include medical and prescription drug expenses)
Healthy Savings prescription drug percentages apply after the deductible.
Dental plan coverage
| Benefit | Delta Dental PPO | Delta Dental Premier | Out-of-network |
|---|---|---|---|
| Individual Deductible/ Family Deductible | $50/ $150 | $50/ $150 | $50/ $150 |
| Plan Annual Maximum Payment (per covered person) | $3,000 | $3,000 | $3,000 |
| Diagnostic and Preventive | 0% | 0% | 0% |
| 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 calendar year | $10 co-pay | Reimbursed up to $60 after $10 co-pay |
| One pair lenses every calendar year | $20 co-pay | After $20 Co-Pay - Reimbursed up to: $60 Single Vision; $89 Bifocal; $100 Trifocal; $160 Lenticular |
| One frame every 24 months | Covered up to $150 | Reimbursed up to $70 |
| Elective contact lenses every calendar year | $0 co-pay with exam; Covered up to $150 | Reimbursed up to $105 |
| Laser vision correction | Allowance of $200 per eye | Reimbursed up to $200 per eye lifetime maximum |
Flexible Spending Accounts
| Account | Contribution |
|---|---|
| Health Care FSA | Health Care FSA (FSA) for eligible medical, dental, vision and prescription drug expenses: may elect $52 to $3,400 per year |
| Limited Purpose FSA | Limited Purpose FSA (LPFSA) for eligible dental and vision expenses: may elect $52 to $3,400 per year |
Remember: You must elect a medical FSA/LPFSA in 2027 to rollover any unused funds. The rollover limit is $680.
Health Savings Account
| Coverage | Optional pre-tax contribution |
|---|---|
| Single | Single $0 to 4,500 |
| Family | Family $0 to $9,000 |
| Age 55 or older | Add'l $1,000 if age 55 |
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 ½ to 8 times annual salary |
| Employee life — optional maximum | Max. $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 | Coverage amount is adjusted annually based on your annual salary: max. $500,000 |
| Survivor benefit | |
| Survivor benefit — spouse or children | 30% of your monthly earnings up to $1,500 max. monthly benefit |
| Survivor benefit — spouse and children | 45% of your monthly earnings up to $2,250 max. monthly benefit |
See life insurance details for eligibility and optional coverage requirements, including Statement of Health and enrollment rules.
Voluntary benefits
Sign in to see the plan information assigned to your employee profile.
| Benefit | Provider | Contact | Group number / code |
|---|---|---|---|
| Critical Illness | Voya | (877) 236-7564 · claimscenter.voya.com | 737640 |
| Accident & Injury | Voya | (877) 236-7564 · claimscenter.voya.com | 737640 |
| Legal Services | MetLife Legal Plans | (800) 821-6400 · members.legalplans.com | 9900372 |
| Pet Insurance | Nationwide | (877) 738-7874 · petinsurance.com/hormelfoods | Not listed |
| Hospital Indemnity | Voya | (877) 236-7564 · claimscenter.voya.com | 737640 |
Group numbers and codes are from the retained contact table; confirm them when contacting the provider.
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 | 90 days |
| Waiting Period | 7 calendar days |
| Duration | 26 weeks |
| Benefit % | 100% weeks 1-8 90% weeks 9-26 |
| Feature | Details |
|---|---|
| Eligibility | 1 year |
| Waiting Period | 7 calendar days |
| Duration | 26 weeks |
| Benefit % | 70% |
Long-term disability
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| Feature | Details |
|---|---|
| Eligibility | 90 days of active employment |
| Elimination Period | 26 weeks |
| Amount of Monthly Benefit | 60% of annual earnings (up to $10,000 monthly max) |
| Calculation Method | Calculated monthly and reduced by Social Security and other income sources |
| Benefit Duration | Payable up to full Social Security age |
| Feature | Details |
|---|---|
| Eligibility | 1 year active employment |
| Elimination Period | 26 weeks |
| Amount of monthly benefit | 60% of annual earnings |
| Maximum monthly benefit | $10,000 Until reaching Social Security age |
| Feature | Details |
|---|---|
| Coverage Type | Basic |
| Company Paid Premium | 100% |
| Employee Paid Premium | 0% |
| Eligibility | 1 year |
| Elimination Period | 26 weeks |
| Monthly Max | $7,500 |
| Monthly Benefit % | 50% |
| Max Duration | Maximum of 5 years |
| Feature | Details |
|---|---|
| Eligibility | 1 year |
| Elimination Period | 26 weeks |
| Monthly Max | $7,500 |
| Max Duration | 5 year maximum |
This information is a summary only. Refer to your summary plan description and amendments for complete details.
Read your complete 2027 Open Enrollment guidePDF: the document stays in its original language.