Meiborg · Open enrollment

Your 2027
benefits

Everything you need to choose, in about ten minutes. New medical plans through UnitedHealthcare.

Open enrollment

December 9 – 18

Coverage starts

January 1, 2027

Carrier

UnitedHealthcare

World Class, Delivered.

What is changing

Three medical plans, one carrier

3

Plans to choose from

All three run through UnitedHealthcare.

2

Pair with an HSA

Basic and Standard. Meiborg matches what you save.

1

Traditional copay plan

Premium. Copays from day one, no HSA.

There is no single right answer. The right plan depends on how often you see a doctor and how much risk you want to carry.

Eligibility

Who can enroll

30

Hours a week to qualify

Full-time employees working 30 or more hours a week

Your spouse

Your children up to age 26

Coverage starts the first of the month after 30 days

You choose each benefit separately, so you can take medical and skip dental, or any combination that suits you.

Medical

What the three plans cost

Every figure below is for employee-only cover.

Plan	Per week	Deductible	Most you pay	HSA
Basic HSA	$37.85	$8,500	$8,500	Yes
Standard HSA	$60.00	$3,500	$4,500	Yes
Premium	$99.23	$1,000	$8,250	No

Basic takes the least from your paycheck and carries the highest deductible.

Standard sits in the middle. The plan pays 80% once you meet the deductible.

Premium costs most per week and gives you copays from day one.

Spouse, children and family rates are on the next two slides.

Who you cover

What it costs at your tier

Out of every weekly paycheck.

Plan	Employee only	+ Spouse	+ Children	Family
Basic HSA	$37.85	$106.62	$75.00	$148.38
Standard HSA	$60.00	$133.85	$110.77	$199.62
Premium	$99.23	$253.85	$173.08	$346.15

Covering children costs less than covering a spouse on all three plans. Worth checking if your spouse can take cover at their own job.

Monthly equivalents and your own figures are on the benefits page.

The part people miss

Two deductible levels, not four

Premiums differ for all four tiers. Deductibles do not. The moment you add anyone — a spouse, one child, a whole family — you move to the family figure.

Employee only

Plan	Deductible	Most you pay
Basic HSA	$8,500	$8,500
Standard HSA	$3,500	$4,500
Premium	$1,000	$8,250

Spouse, children or family

Plan	Deductible	Most you pay
Basic HSA	$17,000	$17,000
Standard HSA	$7,000	$9,000
Premium	$3,000	$16,500

The planner on the benefits page works all of this out for your own tier.

Health Savings Account

What you can do with an HSA

How it works

On Basic HSA or Standard HSA only
Premium does not come with an HSA
Your money goes in before tax
Yours to keep. It does not expire at year end

What you can spend it on

Doctor bills and prescriptions
Dental and vision costs
Glasses and contacts
Many everyday over-the-counter items

Anything unusual, check the eligible expense list first.

Meiborg matches what you save

$1,000 a year

Dollar for dollar, paid $250 each quarter. Put in $1,000 yourself and you are saving $2,000.

The match only pays for a quarter you put money in yourself.

Little and often beats nothing until December.

Prescriptions

All through UnitedHealthcare

Basic HSA

You pay the full cost until you meet the deductible, then covered 100%.

Standard HSA

You pay the full cost until you meet the deductible, then 20%.

Premium

A copay from day one: $10 / $45 / $95 / $500 depending on the drug.

Changed this year: TrueRx and SHARx are no longer part of the plan.

Income protection

If something takes you off work

$50,000

Life and AD&D benefit

$50,000 life and AD&D, no medical exam

Short-term disability pays up to 60% of weekly earnings

Long-term disability available, up to 5 years

Voluntary life for you, your spouse and your children

Beyond health

The rest of what you get

401(k)

Meiborg matches 25% of the first 5% you put in. Fully vested at 3 years.

Chiropractic

Fully company paid from day one.

Free gym

Family members 18 and over welcome.

BenefitHub

Discounts on travel, auto, tickets and more.

Before tax

Medical, dental and vision all come out before tax.

How to enroll

Making your choice

Open enrollment

December 9 – 18

Coverage starts

January 1, 2027

That window is when you pick your plan and, on Basic or Standard, start your HSA
Human Resources will send you the enrollment link
Choose each benefit on its own
Your choice is locked for the whole calendar year
Qualifying life event — marriage, a birth, a change in your spouse’s cover? You get 30 days to make a change

Questions

We are here to help

Megan Dierks

Human Resources Manager

mdierks@meiborg.com

(815) 398-1111

The benefits page

Try the plan picker and see what each option would cost you. Use the help button in the corner for anything else.

World Class, Delivered.

Your 2027 benefits

The walkthrough

Your 2027
benefits

Open enrollment

Coverage starts

Carrier

Three medical plans, one carrier

Plans to choose from

Pair with an HSA

Traditional copay plan

Who can enroll

What the three plans cost

What it costs at your tier

Two deductible levels, not four

Employee only

Spouse, children or family

What you can do with an HSA

How it works

What you can spend it on

$1,000 a year

All through UnitedHealthcare

Basic HSA

Standard HSA

Premium

If something takes you off work

The rest of what you get

401(k)

Chiropractic

Free gym

BenefitHub

Before tax

Making your choice

We are here to help

Megan Dierks

The benefits page

Pick a plan

Who are you covering?

How often do you and your family see a doctor?

Any regular prescriptions?

Could you cover a large medical bill if one landed tomorrow?

Your 2027 benefits

The walkthrough

Your 2027benefits

Open enrollment

Coverage starts

Carrier

Pick a plan

Who are you covering?

How often do you and your family see a doctor?

Any regular prescriptions?

Could you cover a large medical bill if one landed tomorrow?

Your 2027
benefits