As our customer, you have the flexibility to choose from eight benefit tiers available in the United States. To remain compliant, each tier includes health-related coverage (medical, dental, and vision), which is considered part of the compensation package for all employees based in the U.S.

Selecting a Benefit Tier

The benefit tier you choose determines how much of your team’s healthcare premiums you’ll cover for employees and their dependents.

Base Plan

Each tier includes a base plan used to calculate your contribution. If an employee chooses a plan below the base, you’ll pay less.

Employee Contributions

Employees pay the remaining premium after your contribution. If they choose a higher-cost “Buy-Up” plan, they pay the difference.

Example:
If your selected tier covers 60% for employees and 40% for dependents, and the total monthly premium for employee + dependent coverage is $800 ($500 for the employee and $300 for the dependent), you would contribute $420 ($300 for the employee + $120 for the dependent), and the employee would pay $380.

Explore the different benefit tiers and their contribution levels. The key features of each tier have been added in the table below, along with a cost range depending on which plan your team member enrolls in. For an in-depth view of the costs associated with each plan your employee enrolls in, you can view the pricing table.

The rates listed here are from January 1, 2026 to December 31, 2026. policy year. Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

• Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.
  

Each Life insurance plan includes Accidental Death & Dismemberment (AD&D), Short-Term Disability (STD), and Long-Term Disability (LTD) coverage. All of these benefits are fully employer-funded.

The rates listed here are from January 1 to December 31, 2026. policy year. Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

The rates listed here are for July 1, 2024, to April 30, 2026 policy year.

Remote has partnered with Oliva, the UK & Europe's #1 rated employee mental wellbeing platform. Oliva is available on desktop and as a mobile app and it includes:

• 1-to-1 therapy with a curated pool of top-quality therapists (35+ languages available)
• Advanced matching service to find each employee the right therapist for them within 48 hours (98% success rate)
• Personal wellbeing profile with tailored recommendations and info to track progress
• Curated self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, Oliva Talks, podcasts on workplace wellbeing, and micro-learning content series for managers
• 24/7 mental health helplines for when an employee is struggling and needs to talk to someone immediately
• and more

Customers may elect to offer the mental health program benefits to their teams and can choose among 5 different plans. If one of the mental health benefit is offered, the employee will automatically be enrolled and you will be charged for it monthly. However, employees have the option to opt out of the benefit. If they choose to do so, they will be unenrolled and charges will stop effective from the next month.

It is essential to be aware that in certain countries, Mental Health benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the benefit, might be counted as part of the employee's taxable income according to the local tax laws.

Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

Currency: Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.

Starting May 1, 2025, a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered).

The rates listed here are for November 1, 2024, to April 30, 2026.

Remote has partnered with Expatriate Group, a specialized insurance provider offering comprehensive business travel insurance solutions designed for global businesses. Remote's business travel is a Multi-trip Insurance and it includes:

• Emergency Medical Support with access to emergency medical care and evacuation services in case of illness or injury while traveling.
• Baggage and Business Equipment Coverage that protects personal belongings and essential business equipment during travel
• Travel Delay and Trip Cancellation for unexpected travel delays or cancellations
• Personal Liability and Accidental Death with coverage up $100,000 per trip across all plans.
• Access to a 24/7 helpline, providing immediate assistance for travel emergencies, medical support, and more, no matter where employees are in the world.
• Up to 42 days of annual Multi-Trip coverage.
• and more.

Customers can offer Global Business Travel Insurance to selected employees, choosing from five levels of coverage. This insurance can be provided on an individual basis, without needing to offer it to the entire team. However, the chosen plan must be consistent for all eligible employees within the same country. Employees also have the option to opt-out, and if they do, their coverage and charges will end in the following billing cycle.

Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

If you have any questions, you can reach out to us.

Important:

• Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.
• For terminated employees, billing will cease as of the last day of the month. However, if during the active policy, the employee files a claim, the monthly premium will continue until next renewal.
• Once the benefits is selected, it is a one-year commitment or until the next renewal, whichever comes first. You will not be able to opt out of the plan until this time period has been reached. If you do not cancel the coverage during this period, it will automatically renew.
• All claims payment are made to the employees by the insurance company directly
• Access comprehensive plan comparison here and our policy wording.
  
  Starting May 1, 2025, a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

Remote has partnered with ThanksBEN to provide a flexible Wellness & Lifestyle Benefit for your team

ThanksBEN’s platform is available on desktop and mobile and allows employees to access a wide variety of wellness and lifestyle services, including:

• Physical and mental health support such as gym memberships, fitness classes, therapy, mindfulness apps, and guided meditation.
• Lifestyle services like streaming subscriptions (Spotify, Netflix), groceries, and other services that support work-life balance and personal well-being.
• Personalized recommendations to help employees select benefits most relevant to their needs.
• Platform support for employees needing immediate assistance or guidance on wellness-related concerns.

Clients can choose to offer the Wellness & Lifestyle Benefit and select from multiple contribution levels. Once a plan is selected, employees are automatically enrolled, and the company will be charged monthly. Employees have the option to opt out at any time, in which case enrollment will be terminated and charges will stop effective from the following month.

It is important to note that in certain countries, wellness benefits may be considered a Benefit in Kind (BIK). This means the monthly contributions paid by the company could be treated as taxable income for the employee under local tax laws.

Pricing and benefits are subject to change based on business and market conditions. Any updates will be communicated to clients as they occur.

• Currency: All contributions are listed in USD. Local currency equivalents will be calculated automatically at the time of use.
• Service Fee: The Benefits Service Fee of $15 per enrolled employee per month applies (a single fee regardless of the number of benefits offered).

Start and End Date of the Wellness & Lifestyle Benefit

• Start date: Employees will be enrolled in the Wellness & Lifestyle Benefit from the 1st day of the month following their employment start date.
  Example: If an employee starts on July 15, their benefit will begin on August 1. The benefit card will be topped up between the 5th and 7th of that month.
• End date: The Wellness & Lifestyle Benefit for your employees will remain active until the end of their termination month. Benefits are not pro-rated in the final month.
  Example: If an employee’s termination date is August 20, their wallet will remain active until August 31. Any unused balance after August 31 will no longer be accessible