Remote Employee Benefits

United States

Remote supports global teams with local benefits that help employees thrive. 🙌

Below are the details of your health insurance and other benefits options with our partners Cigna and bSwift, facilitated through Remote as the Employer of Record. You will be able to shop for the benefits that work best for your unique needs and circumstances, all at competitive group rates, using the stipend provided by your company. This page provides an overview of what is covered under each plan, how to enroll, and how to use your benefits!

Health Insurance Options

Remote is proud to offer a range of flexible health benefits options with Cigna. Using our benefits marketplace on bSwift, you will be able to shop for plans and add dependents with the monthly stipend allocated to you by your company. If your stipend doesn't cover the full amount of the benefits you select, you may pay the remainder with your salary. If you have funds leftover from your stipend or you do not want to enroll in any Remote benefits, those funds can be added to your salary as taxable income.

Benefit
HDHP 3000

$494.67/mo. for single

PPO 1200

$683.22/mo. for single

PPO 250

$786.79/mo. for single

Benefit

Health Insurance

HDHP 3000

$494.67/mo. for single

Cost to add spouse: $1,038.80/mo. (total monthly cost)
Cost to add children:
$939.86/mo. (total monthly cost)
Cost to add spouse + children:
$1,484.01/mo. (total monthly cost)

In-network (open access plus) coverage:

  • Individual deductible: $3,000
  • Family deductible: $6,000
  • Individual out-of-pocket maximum: $7,000
  • Family out-of-pocket maximum: $14,000
  • Coinsurance: 80%
  • Primary care office visit: 20% after deductible
  • Specialist care office visit: 20% after deductible
  • Chiropractic visit: 20% after deductible
  • Acupuncture visit: 20% after deductible
  • Physical therapy visit: 20% after deductible
  • Diagnostic lab & x-ray: 20% after deductible
  • Complex lab & x-ray: 20% after deductible
  • Hospital inpatient: 20% after deductible
  • Hospital outpatient: 20% after deductible
  • Emergency room: 20% after deductible
  • Ambulance: 20% after deductible
  • Urgent care: 20% after deductible
  • Generic or tier 1 prescriptions: $10 after deductible
  • Preferred brand or tier 2 prescriptions: $50 after deductible
  • Non-preferred brand or tier 3 prescriptions: $115 after deductible
  • Specialty or tier 4 prescriptions: $250 after deductible
  • Mail order prescriptions: 2x co-pay

Out-of-network coverage:

  • Individual deductible: $6,000
  • Family deductible: $12,000
  • Individual out-of-pocket maximum: $14,000
  • Family out-of-pocket maximum: $28,000
  • Coinsurance: 60%
  • Primary care office visit: 40% after deductible
  • Specialist care office visit: 40% after deductible
  • Chiropractic visit: 40% after deductible
  • Acupuncture visit: 40% after deductible
  • Physical therapy visit: 40% after deductible
  • Diagnostic lab & x-ray: 40% after deductible
  • Complex lab & x-ray: 40% after deductible
  • Hospital inpatient: 40% after deductible
  • Hospital outpatient: 40% after deductible
  • Emergency room: 40% after deductible
  • Ambulance: 40% after deductible
  • Urgent care: 40% after deductible
  • Generic or tier 1 prescriptions: Not covered
  • Preferred brand or tier 2 prescriptions: Not covered
  • Non-preferred brand or tier 3 prescriptions: Not covered
  • Specialty or tier 4 prescriptions: Not covered
  • Mail order prescriptions: Not covered
PPO 1200

$683.22/mo. for single

Cost to add spouse: $1,434.75/mo. (total monthly cost)
Cost to add children:
$1,298.11/mo. (total monthly cost)
Cost to add spouse + children:
$2,049.66/mo. (total monthly cost)

In-network (open access plus) coverage:

  • Individual deductible: $1,200
  • Family deductible: $2,400
  • Individual out-of-pocket maximum: $5,000
  • Family out-of-pocket maximum: $7,500
  • Coinsurance: 80%
  • Primary care office visit: $30 co-pay
  • Specialist care office visit: $50 co-pay
  • Chiropractic visit: $50 co-pay, 60 visits
  • Acupuncture visit:$20 co-pay, 20 visits
  • Physical therapy visit: $50 co-pay, 60 visits
  • Diagnostic lab & x-ray: 20% after deductible
  • Complex lab & x-ray: 20% after deductible
  • Hospital inpatient: 20% after deductible
  • Hospital outpatient: $250 co-pay + 20% after deductible
  • Emergency room: $350 co-pay, deductible waived
  • Ambulance: 20% after deductible
  • Urgent care: $45 co-pay
  • Generic or tier 1 prescriptions: $10
  • Preferred brand or tier 2 prescriptions: $50
  • Non-preferred brand or tier 3 prescriptions: $115
  • Specialty or tier 4 prescriptions: $250
  • Mail order prescriptions: 2x co-pay

Out-of-network coverage:

  • Individual deductible: $2,400
  • Family deductible: $4,800
  • Individual out-of-pocket maximum: $10,000
  • Family out-of-pocket maximum: $15,000
  • Coinsurance: 60%
  • Primary care office visit: 40% after deductible
  • Specialist care office visit: 40% after deductible
  • Chiropractic visit: 40% after deductible
  • Acupuncture visit: 40% after deductible
  • Physical therapy visit: 40% after deductible
  • Diagnostic lab & x-ray: 40% after deductible
  • Complex lab & x-ray: 40% after deductible
  • Hospital inpatient: 40% after deductible
  • Hospital outpatient: 40% after deductible
  • Emergency room: $350 co-pay, deductible waived
  • Ambulance: 20% after deductible
  • Urgent care: 40% after deductible
  • Generic or tier 1 prescriptions: Not covered
  • Preferred brand or tier 2 prescriptions: Not covered
  • Non-preferred brand or tier 3 prescriptions: Not covered
  • Specialty or tier 4 prescriptions: Not covered
  • Mail order prescriptions: Not covered
PPO 250

$786.79/mo. for single

Cost to add spouse: $1,652.26/mo. (total monthly cost)
Cost to add children:
$1,494.90/mo. (total monthly cost)
Cost to add spouse + children:
$2,360.37/mo. (total monthly cost)

In-network (open access plus) coverage:

  • Individual deductible: $250
  • Family deductible: $750
  • Individual out-of-pocket maximum: $3,000
  • Family out-of-pocket maximum: $6,000
  • Coinsurance: 90%
  • Primary care office visit: $20 co-pay
  • Specialist care office visit: $40 co-pay
  • Chiropractic visit: $40 co-pay, 60 visits
  • Acupuncture visit: $20 co-pay, 20 visits
  • Physical therapy visit: $40 co-pay, 60 visits
  • Diagnostic lab & x-ray: 10% after deductible
  • Complex lab & x-ray: 10% after deductible
  • Hospital inpatient: 10% after deductible
  • Hospital outpatient: $250 co-pay + 10% after deductible
  • Emergency room: $150 co-pay, deductible waived
  • Ambulance: 10% after deductible
  • Urgent care: $45 co-pay
  • Generic or tier 1 prescriptions: $10
  • Preferred brand or tier 2 prescriptions: $50
  • Non-preferred brand or tier 3 prescriptions: $115
  • Specialty or tier 4 prescriptions: $250
  • Mail order prescriptions: 2x co-pay

Out-of-network coverage:

  • Individual deductible: $500
  • Family deductible: $1,500
  • Individual out-of-pocket maximum: $6,000
  • Family out-of-pocket maximum: $12,000
  • Coinsurance: 70%
  • Primary care office visit: 30% after deductible
  • Specialist care office visit: 30% after deductible
  • Chiropractic visit: 30% after deductible
  • Acupuncture visit: 30% after deductible
  • Physical therapy visit: 30% after deductible
  • Diagnostic lab & x-ray: 30% after deductible
  • Complex lab & x-ray: 30% after deductible
  • Hospital inpatient: 30% after deductible
  • Hospital outpatient: 30% after deductible
  • Emergency room: $150 co-pay, deductible waived
  • Ambulance: 10% after deductible
  • Urgent care: 30% after deductible
  • Generic or tier 1 prescriptions: Not covered
  • Preferred brand or tier 2 prescriptions: Not covered
  • Non-preferred brand or tier 3 prescriptions: Not covered
  • Specialty or tier 4 prescriptions: Not covered
  • Mail order prescriptions: Not covered

Dental Insurance Options

If you would like to add dental coverage, you can choose between our basic and premium plans with our partner Guardian.

Benefit

Basic Plan

Premium Plan

Dental Insurance

Cost (single): $35.95/mo.

Cost (employee + spouse): $72.98/mo.

Cost (employee + children): $99.44/mo.

Cost (employee + family): $146.24/mo.

In-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $1,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 20%
  • Resin - posterior: 20%
  • Root canal - molar: 20%
  • Periodontal scaling - per quad: 20%
  • Gingivectomy - per quad: 20%
  • Extraction - simple: 20%
  • Extraction - impact/bony: 20%
  • Porcelain crown - high noble metal: 50%
  • Implants: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Out-of-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $1,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 20%
  • Resin - posterior: 20%
  • Root canal - molar: 20%
  • Periodontal scaling - per quad: 20%
  • Gingivectomy - per quad: 20%
  • Extraction - simple: 20%
  • Extraction - impact/bony: 20%
  • Porcelain crown - high noble metal: 50%
  • Implant: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Cost (single): $44.35/mo.

Cost (employee + spouse): $90.04/mo.

Cost (employee + children): $115.04/mo.

Cost (employee + family): $171.60/mo.

In-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $2,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 10%
  • Resin - posterior: 10%
  • Root canal - molar: 10%
  • Periodontal scaling - per quad: 10%
  • Gingivectomy - per quad: 10%
  • Extraction - simple: 10%
  • Extraction - impact/bony: 10%
  • Porcelain crown - high noble metal: 40%
  • Implant: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Out-of-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $2,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 10%
  • Resin - posterior: 10%
  • Root canal - molar: 10%
  • Periodontal scaling - per quad: 10%
  • Gingivectomy - per quad: 10%
  • Extraction - simple: 10%
  • Extraction - impact/bony: 10%
  • Porcelain crown - high noble metal: 40%
  • Implant: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Benefit

Dental Insurance

Basic Plan

Cost (single): $35.95/mo.

Cost (employee + spouse): $72.98/mo.

Cost (employee + children): $99.44/mo.

Cost (employee + family): $146.24/mo.

In-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $1,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 20%
  • Resin - posterior: 20%
  • Root canal - molar: 20%
  • Periodontal scaling - per quad: 20%
  • Gingivectomy - per quad: 20%
  • Extraction - simple: 20%
  • Extraction - impact/bony: 20%
  • Porcelain crown - high noble metal: 50%
  • Implants: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Out-of-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $1,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 20%
  • Resin - posterior: 20%
  • Root canal - molar: 20%
  • Periodontal scaling - per quad: 20%
  • Gingivectomy - per quad: 20%
  • Extraction - simple: 20%
  • Extraction - impact/bony: 20%
  • Porcelain crown - high noble metal: 50%
  • Implant: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Premium Plan

Cost (single): $44.35/mo.

Cost (employee + spouse): $90.04/mo.

Cost (employee + children): $115.04/mo.

Cost (employee + family): $171.60/mo.

In-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $2,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 10%
  • Resin - posterior: 10%
  • Root canal - molar: 10%
  • Periodontal scaling - per quad: 10%
  • Gingivectomy - per quad: 10%
  • Extraction - simple: 10%
  • Extraction - impact/bony: 10%
  • Porcelain crown - high noble metal: 40%
  • Implant: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Out-of-network coverage:

  • Individual deductible: $50
  • Family deductible: $150
  • Waved for preventative?: Yes
  • Maximum - general dentistry (annual): $2,500
  • Maximum - orthodontia (lifetime): $1,500
  • Oral exam: 0%
  • Prophylaxis: 0%
  • Full-mouth x-rays: 0%
  • Amalgams: 10%
  • Resin - posterior: 10%
  • Root canal - molar: 10%
  • Periodontal scaling - per quad: 10%
  • Gingivectomy - per quad: 10%
  • Extraction - simple: 10%
  • Extraction - impact/bony: 10%
  • Porcelain crown - high noble metal: 40%
  • Implant: Not covered
  • Out-of-network reimbursement for orthodontia (adult): Not covered
  • Out-of-network reimbursement for orthodontia (children): 50%

Vision Insurance Options

If you would like to add vision coverage, you can choose between our basic and premium plans with our partner Guardian.

Benefit

Basic Plan

Premium Plan

Vision Insurance

Cost (single): $8.54/mo.

Cost (employee + spouse): $16.17/mo.

Cost (employee + children): $16.47/mo.

Cost (employee + family): $26.07/mo.

In-network coverage:

  • Exams: $10 co-pay every 12 months
  • Material: $25 co-pay
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 24 months
  • Single-vision lenses: 100% after $25 co-pay
  • Bifocal lenses: 100% after $25 co-pay
  • Trifocal lenses: 100% after $25 co-pay
  • Frames: $150 allowance + 20% discount
  • Contacts (necessary): 100% coverage
  • Contacts (elective): $150 allowance

Out-of-network coverage:

  • Exams: Up to $39 every 12 months
  • Material: See schedule
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 24 months
  • Single-vision lenses: Up to $23
  • Bifocal lenses: Up to $37
  • Trifocal lenses: Up to $49
  • Frames: Up to $70
  • Contacts (necessary): Up to $210
  • Contacts (elective): Up to $100

Cost (single): $15.56/mo.

Cost (employee + spouse): $29.45/mo.

Cost (employee + children): $30.01/mo.

Cost (employee + family): $47.51/mo.

In-network coverage:

  • Exams: $0 co-pay every 12 months
  • Material: $0 co-pay
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 12 months
  • Single-vision lenses: 100%
  • Bifocal lenses: 100%
  • Trifocal lenses: 100%
  • Frames: $200 allowance
  • Contacts (necessary): 100%
  • Contacts (elective): $200 allowance

Out-of-network coverage:

  • Exams: Up to $45 every 12 months
  • Material: See schedule
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 12 months
  • Single-vision lenses: Up to $30
  • Bifocal lenses: Up to $50
  • Trifocal lenses: Up to $65
  • Frames: Up to $70
  • Contacts (necessary): Up to $210
  • Contacts (elective): Up to $105

Benefit

Vision Insurance

Basic Plan

Cost (single): $8.54/mo.

Cost (employee + spouse): $16.17/mo.

Cost (employee + children): $16.47/mo.

Cost (employee + family): $26.07/mo.

In-network coverage:

  • Exams: $10 co-pay every 12 months
  • Material: $25 co-pay
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 24 months
  • Single-vision lenses: 100% after $25 co-pay
  • Bifocal lenses: 100% after $25 co-pay
  • Trifocal lenses: 100% after $25 co-pay
  • Frames: $150 allowance + 20% discount
  • Contacts (necessary): 100% coverage
  • Contacts (elective): $150 allowance

Out-of-network coverage:

  • Exams: Up to $39 every 12 months
  • Material: See schedule
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 24 months
  • Single-vision lenses: Up to $23
  • Bifocal lenses: Up to $37
  • Trifocal lenses: Up to $49
  • Frames: Up to $70
  • Contacts (necessary): Up to $210
  • Contacts (elective): Up to $100

Premium Plan

Cost (single): $15.56/mo.

Cost (employee + spouse): $29.45/mo.

Cost (employee + children): $30.01/mo.

Cost (employee + family): $47.51/mo.

In-network coverage:

  • Exams: $0 co-pay every 12 months
  • Material: $0 co-pay
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 12 months
  • Single-vision lenses: 100%
  • Bifocal lenses: 100%
  • Trifocal lenses: 100%
  • Frames: $200 allowance
  • Contacts (necessary): 100%
  • Contacts (elective): $200 allowance

Out-of-network coverage:

  • Exams: Up to $45 every 12 months
  • Material: See schedule
  • Lenses: Every 12 months
  • Contacts: Every 12 months
  • Frames: Every 12 months
  • Single-vision lenses: Up to $30
  • Bifocal lenses: Up to $50
  • Trifocal lenses: Up to $65
  • Frames: Up to $70
  • Contacts (necessary): Up to $210
  • Contacts (elective): Up to $105

401(K) Retirement Plan

Every US employee will be automatically enrolled in a 401(K) retirement plan with our partner, Guideline. You can select the % of your pre-tax salary you wish to contribute (if any). The employer matches 100% of employee contributions up to the first 3% of pay and 50% of employee contributions on the next 2% of pay. Enrollment instructions are available in the section below.

How to Enroll in Your US Benefits

Select and access your benefits!

Health, Dental & Vision Insurance (bSwift)

We make enrolling in benefits, reporting life events, and more easy with our enrollment platform bSwift. Within the first few weeks of your employment start date you will receive an email from bSwift inviting you to enroll in benefits. Remote also has a company-wide open enrollment period that occurs annually in February. Open enrollment is the time to confirm or make changes to your benefits selections.

Existing Employees: As a Remote employee, you can use your bSwift user credentials to easily access your benefits anytime. If you don't know your credentials, you can use the password reset (Forgot Password) feature on bSwift to retrieve your password using your email address.

New Employees: As a new Remote hire, you will gain access within the first few weeks of your start date and be able to make your selections once you receive an email invite from bSwift.

Instructions:

  • Login to bSwift here: https://remote.bswift.com (Note: You will not be able to login until you receive an email invite from bSwift)
  • Username: Your personal email (the email bSwift sent an invite to)
  • Password: The last four digits of your Social Security Number
  • When you login for the first time, you will be asked to create a new password
  • Once logged in, click on START YOUR ENROLLMENT on the Welcome Page

401(K) (Guideline)

  • After your start date, you will receive an invitation from Guideline to enroll. This will walk you through how to set up an account and get started.
  • After receiving the invitation, you will have 30 days to enroll or waive your 401(K) benefits. You must do so in the Guideline platform. If you do not enroll or waive during that timeframe, you will be automatically enrolled with a default contribution of 3%.
  • You may choose to contribute up to the IRS maximum contribution limit per year (respective of any other outside retirement plans in which they participate), however, only the first 5% of salary will be eligible for employer matching.
  • You can adjust your contribution amount at any time.

Learn more about Remote benefits

How do benefits work when hiring through an EOR?

Watch this quick explainer video to understand how offering benefits works when you hire team members through an employer of record like Remote.