Opportunity Threads
How to Enroll
Click "Make Benefits Election" and complete that form. Then review the benefit summary to know what your copays should be. Register for unitedeservices to access temporary ID cards, claims info, and more! If you don't receive a card in the mail within 14 business days, let us know because something went wrong!
The dental insurance is with Ameritas & the vision is with Eyemed... both through the US Federation of Worker Cooperatives Group plans.
Health Insurance
Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week). After 60 days, you can make your benefit elections and will be enrolled on the first day of the following month.
To Enroll, click "Make Benefits Election".
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
To Enroll, click "Make Benefits Election".
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
What is the Insurance?
The health insurance is through United Healthcare and is a HMO plan. There is also dental & vision insurance available as well through the US Federation of Worker Cooperatives Benefit Association. You also automatically receive life insurance paid for by the company.
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 begins to cover 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.
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 begins to cover 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.
Benefit Summaries
Claim Forms, ID Cards, EOB's
Non Health Insurance Benefits
401K Retirement Plan
You are eligible to enroll into the 401K plan after 1 year of employment with 1000 hours of service during the previous year.
The plan is a "Pooled Employer Plan" sponsored by Fellow Travelers in, a Professional Employer Organization (PEO). The 401K plan is "shared" by many companies to keep costs & fees low.
You will automatically be enrolled (into a target date fund) if you are eligible with a 2% salary deferral if you do not make an election.
The company will match the first 4% of your 401K salary deferrals, dollar for dollar.
You can get more information about the Fellow Travelers 401K plan HERE.
You can enroll into the plan / check your account using these instructions Online Enrollment Guide.
The plan is a "Pooled Employer Plan" sponsored by Fellow Travelers in, a Professional Employer Organization (PEO). The 401K plan is "shared" by many companies to keep costs & fees low.
You will automatically be enrolled (into a target date fund) if you are eligible with a 2% salary deferral if you do not make an election.
The company will match the first 4% of your 401K salary deferrals, dollar for dollar.
You can get more information about the Fellow Travelers 401K plan HERE.
You can enroll into the plan / check your account using these instructions Online Enrollment Guide.
401K Plan Materials
Dental Benefits: Through US Federation of Worker Cooperatives
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
We participate in the US Federation of Worker Cooperatives aggregated Dental Plan through Delta Dental.
The 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 Group Number is 22085-00001)
Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights
We participate in the US Federation of Worker Cooperatives aggregated Dental Plan through Delta Dental.
The 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 Group Number is 22085-00001)
Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights
Vision Benefits: Through US Federation of Worker Cooperatives
Opportunity Threads will pay for 80% of your premium if you are a Co-op member, 60% for Associates, and 50% if you are not a Co-op or Associate member. You will pay for the cost of adding any dependents to the plan.
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.
The Vision Insurance is a great if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.
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 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.
The Vision Insurance is a great if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.
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
Life Insurance
All (full time) Opportunity Threads Employees receive $15,000 of life insurance automatically after 90 days of employment.
Other Benefits & Info
Payroll Deductions