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Health Benefits

At Remote, we offer seven distinct benefit tiers for health insurance to ensure compliance with the mandatory requirement to provide health insurance to employees in the United States. Our plans are designed to cater to a variety of needs, giving you the freedom to select the coverage that best fits the needs of your team and their dependents. Understanding Our Benefit Tiers The benefit tier you select determines the percentage of healthcare premiums you will cover. These tiers range from covering a portion of the premiums to fully covering the costs for both employees and their dependents. Below is an overview of the different benefit tiers available, detailing the coverage percentages for both employee-only and employee + dependents enrollments. Please note: the deductibles listed represent the starting point or 'base plan' within each tier. This base plan is the default option provided and serves as the foundation for calculating both your contributions and the employee's contributions. Employees have the flexibility to choose plans with different deductibles and may also 'buy up' to a plan with a lower deductible or more comprehensive coverage, tailoring the plan to better meet their personal needs and preferences.

Basic

• Base Plan Deductible: $1,200

• Medical Coverage: 50% for employee, 0% for family

• Dental & Vision Coverage: 50% for employee, 0% for family

Core

• Base Plan Deductible: $1,200

• Medical Coverage: 70% for employee, 50% for family

• Dental & Vision Coverage: 60% for employee, 40% for family

Prime

• Base Plan Deductible: $1,200

• Medical Coverage: 100% for employee, 0% for family

• Dental & Vision Coverage: 100% for employee, 0% for family

Standard

• Base Plan Deductible: $1,200

• Medical Coverage: 95% for employee, 70% for family

• Dental & Vision Coverage: 85% for employee, 60% for family

Enhanced

• Base Plan Deductible: $1,200

• Medical Coverage: 100% for employee, 80% for family

• Dental & Vision Coverage: 90% for employee, 70% for family

Plus

• Base Plan Deductible: $250

• Medical Coverage: 100% for employee, 90% for family

• Dental & Vision Coverage: 100% for employee, 90% for family

Premium

• Base Plan Deductible: $250

• Medical Coverage: 100% for employee, 100% for family

• Dental & Vision Coverage: 100% for employee, 100% for family

This flexibility allows you to align the benefits with employee needs across a range of budgets, ensuring a tailored approach to employee health coverage. Your contribution towards health insurance premiums is determined by the base plan’s monthly premium of the tier you select. This sets a benchmark for both your contributions and those of your team members, ensuring transparency and predictability in costs. If an employee chooses a plan less expensive than the base plan, your contribution costs may decrease, providing an opportunity for cost savings. For example, if you select the Standard Tier with a 95% employer contribution towards employee-only premiums and 70% for employee + dependent premiums: - For an employee-only enrollment with a monthly cost of $500, your contribution would be $475 (95% of $500), with the employee covering the remaining $25. - If the employee adds a spouse, increasing the total premium to $800 per month, your contribution would adjust to $560 (70% of $800), with the employee responsible for the remaining $240. - If an employee opts for a Buy-Up plan costing $700 per month for employee-only enrollment, your contribution remains based on the base plan (95% of $500 = $475). The employee then pays the difference between the Buy-Up and the base plan, totaling $225 for their plan. Available Health Insurance Plans Remote offers four health insurance plans that employees can access using the amounts you contribute from the tiers: HDHP 3000, PPO 1200, PPO 250, and PPO 0. These plans vary in terms of deductibles, out-of-pocket costs, and coverage levels, providing a range of options to suit different needs and preferences. Below is a table that details the specific coverage options for each plan.