Industrial Commons

You are eligible to enroll into the health insurance on the first of the month following your date of hire IF you work full time (40 hours per week).

To Enroll, click "Make Benefits Election".

The health insurance is through United Healthcare and is a PPO plan. There is also dental & vision insurance available as well through the US Federation of Worker Cooperatives Benefit Association. The health insurance requires a deductible be met for less common services. Doctor visits, simple diagnostics, prescription drugs, & urgent care visits are covered BEFORE the deductible met and is only a copay. Higher cost but less frequent events such as hospitalizations, MRI, and outpatient surgeries require the deductible be met before the insurance covers some of the costs. PLEASE REMEMBER TO ENROLL INTO THE CARE CASH PROGRAM! It's free money that can be used to pay for medical expenses. The dental insurance & vision insurance are both PPO's and easy to use.

Health Insurance Benefit Summary
Pharmacy Benefit Guide

Mail Order RX Form
Mail Order RX Online
Medical Claim Form

Real Appeal Weight Loss Program
Mail Order RX Online

How to Shop for Health Insurance
Pharmacy Benefit Guide

We participate in the US Federation of Worker Cooperatives aggregated Dental Plan through Delta Dental.

Our Dental Insurance is fantastic! There is virtually no network because if you see an out of network provider, the dental plan will reimburse the out of network visit at in-network benefit copays / coinsurance! Only in very rare situations would that not be the case (VERY RARE).

Dental Benefit Summary
Dental Benefit Summary Spanish
Dental Rates
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - PPO plus Premier Network
Where's my ID Card? (Our Policy Number is TBD)
2023 Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights

We participate in the US Federation of Worker Cooperatives aggregated Employer Vision Plan through Ameritas. You can choose between 2 networks / vision companies with Ameritas, Eyemed or VSP.

The insurance is run thru Ameritas, but you then choose one network to utilize, Eyemed or VSP. Generally, Eyemed has very slightly better benefits than VSP (better premium contact lens reimbursement and very slightly lower deductibles). VSP however does have more "boutique" ophthalmologists in network whereas Eyemed is the largest vision insurance company in the USA (with VSP being the 2nd largest). There are links to search each network below (the monthly premiums are the same for either option.

Our Vision Insurance is a "no-brainer" if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.

Vision Member Portal / ID Cards: Click "Member Sign In" (NY if in New York State) - NOTE do not use this site to check the vision network, use the links below.

Eyemed Vision Benefit Summary & Rates - through Ameritas Insurance
Eyemed Vision Benefit Summary - Spanish
EyeMed Insight Network
Find an Eyemed Eye Doctor

VSP Vision Benefit Summary & Rates - through Ameritas Insurance
VSP Vision Benefit Summary - Spanish
Find an VSP Eye Doctor
Your COBRA Rights

We participate in the US Federation of Worker Cooperatives aggregated Employer Disability Plan through Colonial.

Our Disability Insurance is guaranteed issue (for new companies / employees)! You cannot be turned down because of pre-existing conditions. Any pre-existing conditions will NOT be covered for one year, then are eligible for coverage.

Disability Benefit Summary
Get Disability Quote
Make a Disability Claim Online
Make Disability Claim - Paper Form

We participate in the US Federation of Worker Cooperatives aggregated Employer Accident Plan through Colonial.

Our Accident Insurance is pays money directly to you in case of an accident occurs, regardless if other copays / costs were incurred or are lower than the Accident insurance payment.

Accident Insurance Benefit Summary
Get Accident Rates
Make Accident Insurance Claim - Instructions
Accident Insurance Claim Form
*It is recommended you just take a paper accident claim form with you when getting treatment for accident related events. Even minor events such as a bruise can be considered accidents.