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: $1,651.82/mo. (total monthly cost) Cost to add children: $1,494.90/mo. (total monthly cost) Cost to add spouse + children: $2,337.84/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 enrollment invitation from Guideline within 24 hours of your eligibility date. This will walk you through how to set up an account and get started.
You will be given the remainder of the pay period to take action to either self-enroll or opt out of the plan.
You will be automatically enrolled at the plan’s default contribution rate of 3.0% after the pay period you enter the plan, unless you select an alternative contribution rate or opt out.
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.