2026
Benefits at a Glance
My Medical Benefits
The premiums listed at the bottom of the page are total monthly premiums for MVP PLATINUM, GOLD and SILVER plans. Your employer contributes toward each employee’s monthly premium based on: employer/location, the number of regular scheduled hours worked each week, and the type of coverage. You will pay a share of this premium, per pay period. The administration office at your location will distribute a Benefit Rate Sheet. The Benefit Rate Sheet will show your cost per pay period. If you do not receive one, please see your administration office for a copy.
Plans & Premiums
Summary of Benefits and Coverages (SBCs)
Slick Benefit Summaries
Eligibility
All employees who consistently work 30 hours or more per week.
My Dental Benefits
We offer two dental plans through Northeast Delta Dental. You’ll see from the chart below, there are differences in coverage, so it’s important you choose the plan that is right for your needs. Look at the factors such as the amount you pay for coverage, annual deductible, annual maximum, and your out-of-pocket costs on services.
SAVE MONEY IN THE NETWORK. Although Northeast Delta Dental allows you to visit any provider you would like, staying in the Delta Dental network will provide you with the highest level of benefits. Non-network providers can balance bill you for any amount above what Northeast Delta Dental considers “Usual and Customary.” Visit nedelta.com to see who is in the network.
Employees pay the full cost for this coverage and pay period deductions are shown in your Benefits Rate Sheet. Premiums will be deducted bi-weekly or semi-monthly from your paycheck on a pre-tax basis.
Coverage Outline
Eligibility
All employees who consistently work 30 hours or more per week.
Additional Information
My Vision Benefits
Vison coverage is available to all eligible employees through Vision Service Provider (VSP). Remember, you’ll save on eyewear and eye care when you visit a VSP network doctor. To learn what doctors are in your network, call 800.877.7195 or visit vsp.com.
Employees pay the full cost for this coverage. Refer to your Benefits Rate Sheet for your pay period deduction amount. Premiums will be deducted bi-weekly or semi-monthly from your paycheck on a pre-tax basis.
Coverage Outline
Eligibility
All employees who consistently work 30 hours or more per week.
My SmartConnect Benefits
Medicare is very complex, and it is important that you have an advocate who can provide you the proper Medicare education and guidance.
There are different paths you can choose in Medicare plans, and it can be time consuming and difficult to filter through these options yourself. It is important that you find the appropriate plan in your area that best fits your medical needs and is within your financial budget.
RCD has partnered with SmartConnect™, an exclusive program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. There is no cost to you to use this resource! Whether you plan to continue working or are transitioning to retirement, SmartConnect tailor solutions designed around your needs. Agents will provide an unfiltered view of the entire range of options and prices available to the employee.
Frequently Asked Questions
Q: I’m not planning on making any changes to my benefits, do I need to do anything?
A: Yes, all employees are required to complete the Declaration of Health Care Coverage form, as well as section 1 of the Health and Welfare Benefit Plan Enrollment Form.
Q: I need to make a change to one or more of my benefits. What forms do I need to complete?
A: You will need to complete the Declaration of Health Care form and the Benefit Plan Enrollment form.
Q: Why are the premium/paycheck deductions increasing for the medical plans?
A: Managing healthcare costs is a continuing challenge. National health care spending costs continue to climb. Contributing factors for costs increases are driven mainly by rising medical and pharmaceutical costs, particularly specialty drug costs.
Q: What are some things I can do to help me save on health care costs?
A: Some actions you can take to help reduce costs are:
Preventive Care
To stay on the healthy track, be sure to take advantage of preventive care, such as annual exams. Preventive care is free under all the plans as long as you stay in network.
Choose Generic vs. Brand Name Prescriptions
Save money on prescriptions by requesting generic or lower-cost versions of the medicine you need (approved by your doctor) and take advantage of mail-order programs.
Using Urgent Care Facilities and limit Emergency Room Visits
Don’t run to the emergency room for needs that are better suited to a doctor’s office or an urgent care clinic.
Participate in MVP Health Care Wellness
Enrolled employees have access to a wide variety of online tools, activities, and education designed to support their health and wellness. From free wellness classes to exclusive discounts on wellness products and services, MVP is available to help you succeed at reaching your health improvement goal.