Health Plans

Medical And Dental Plans

Eligibility Information

Eligible employees may participate in our Medical and Dental insurance plans.

Full-time employees may enroll in either a single, two person or a family contract after a 90 day waiting period following hire. The open enrollment period is September.

Medical Insurance

Jack Byrne Ford pays the first $420.00 of the cost of your medical insurance per month. Our Health Insurance carrier is Blue Cross Blue Shield of Northeastern New York. Weekly rates of our two plans are shown below:

	Single	Two	Emp/Child	Family
Gold Radius EPO	54.14	205.20	159.88	333.60	Summary of Benefits
Gold Radius High	63.93	224.79	176.53	361.51	Summary of Benefits
Gold HMO	49.31	195.54	151.67	319.84	Summary of Benefits

Upon termination, you may be entitled to continuation or conversion of the group medical insurance plan in accordance with the terms of the policy and/or applicable state law. You are responsible for payment of the entire premium after termination. For further information see COBRA in the Employee Handbook.

Please note that you have the option to have your health related payroll deductions made on a before-tax basis, which saves you an average 25% off the "take home pay" cost of these deductions due to your savings on State and Federal Income taxes and Social Security / Medicare taxes.

Dental Insurance

Jack Byrne Ford pays the cost of the employees’ single dental insurance. Dependent coverage and upgrades are paid by the employee. Dental Insurance is provided through the Guardian. Our Group number is G-00529922. Member response telephone number is 800-541-7846.

Weekly rates are as follows:

Single	Two	Emp/Child	Family
0	7.89	10.72	20.25

Group Life Insurance

Jack Byrne Ford provides each full time employee with life insurance in the amount of $10,000.00. When an employee reaches 65 the original benefit is reduced to 65% and at 70 it is reduced to 50%.