Welcome to your Benefits Hub! This guide provides an overview of coverage choices and enrollment information so you can build the best benefits package for you and your family.
Employee Benefits Overview / Eligibility Requirements
Alto Pharmacy is committed to offering exceptional benefits to our employees, and we've put together a benefits program that supports the personal and financial wellbeing of you and your family.
Your benefits begin from your date of hire. The plan and dependent elections that you make when you are hired or during annual open enrollment are effective for the entire calendar year unless you experience a qualifying life event (marriage, birth, adoption, or loss of coverage).
Alto Pharmacy holds an annual Open Enrollment period, with a January 1 effective date. During that time, you can make changes to your benefit plan elections such as adding or removing your spouse, dependents and/or changing health plans.
If you experience a Qualifying Event after open enrollment, you have 30 days following the qualifying event to make changes to your benefits via PlanSource. If you do not make changes within 30 days, you will be required to wait until the next Open Enrollment to make any changes to your benefit plan elections.
Alto will also need proof of the qualifying event and, dependent verification documents, if you are adding a new dependent. Please click HERE to see what documentation will be accepted.
If you have any questions, please reach out to Alto Benefit Team at [email protected].
If you work 30 hours or more per week, you are eligible to enroll in the benefits plans.
Eligible Dependents
You may cover your dependents under many of the benefit plans as long as they are one of the following:
- Your spouse or registered domestic partner
- Your child(ren) up to age 26 regardless of student or marital status
- Your handicapped child(ren) regardless of age if incapable of self-sustaining employment, and if the handicap began before the limiting age
What's New or Changing for 2025?
As we approach the new plan year, we are excited to announce several updates and enhancements to our benefits program. Here’s a summary of what’s new and how these changes can positively impact you and your family.
Dental:
The dental plan will be transitioning from Metlife to Cigna in 2025, but the coverage will be very similar.
Long-Term Disability:
LTD monthly benefit maximum will increase from $10,000 to $12,500
New HSA, FSA & Commuter Limits:
Take advantage of higher contribution limits for Health Savings Accounts, as well as Healthcare and Dependent Care FSAs, allowing you to save more pre-tax dollars for eligible expenses.
- Health Savings Account (Individual): $4,300 annual
- Health Savings Account (Family): $8,550 annual
- Health Flexible Spending Account: $3,300 annual
- Health FSA Rollover provision: up to $660
- Dependent Care Flexible Spending Account: $5,000 annual
- Parking Plan: $325 per month
- Transit Plan: $325 per month
Other Benefit Plans and Carriers will remain similar in 2025. While Alto is absorbing the majority of the increase, there will be increases to the employee contributions.
Enrollment Resources
Enrollment 2025 Overview
You may download a copy of the Open Enrollment and HSA Bootcamp presentation slides and listen to the recordings below to learn more about the benefits available to you and get answers to your questions.
How Do I Enroll in Benefits?
New hires will receive an email following orientation with a link to the PlanSource enrollment system. Within PlanSource, you can enroll yourself and eligible dependents in the plans that fit you and your family best. For more information about the plans offered, please go back to the homepage or click on the corresponding tab at the top of this page to review plan designs, required notices, evidence of coverage, documents and much more. If you have questions or unresolved issues after contacting member services at one of our insurance providers, please contact:
Human Resources
Benefits Team Email: [email protected]
Please Note: Whether you're electing or waiving benefits, you MUST log into Okta, select the Workday icon and then select Benefits to get to PlanSource.
Disclaimer: This presentation is to provide a summary of Alto Pharmacy employee benefit programs. Should any discrepancy arise, please refer to actual plan documents which supersede this presentation. Once enrolled, you will receive a Combined Evidence of Coverage and Disclosure Form that explains the exclusions and limitations, as well as the full range of covered services of your plan, in detail.