Your Health, Your Family, Your Life, Your Benefits

Our medical plans are designed to protect our employees’ health and finances.  Employees can choose between multiple health plans each created to meet the varying needs of our employees and their families. Each plan utilizes an extensive provider network to offer comprehensive medical and prescription coverage throughout the United States.

We offer two dental options to keep employee’s smile healthy. The plans allow employees to elect for basic preventative coverage or a buyup option that includes both major services and orthodontia services.

The Redhorse vision plan brings your world into focus. The plan covers annual exams, lenses or contact lenses and biannual frames. You can  receive discounts on laser vision correction, lens options, and additional pairs of glasses or sunglasses when purchased through participating doctors.

Flexible Spending Accounts give a tax-advantaged way to pay for the current year’s health care expenses. Employees can easily contribute through direct  payroll deductions, and reimbursements are quick and convenient. The Healthcare FSA can be used to help pay for:

• Doctor visits and prescriptions
• Dental care, like fillings and braces
• Vision care, like glasses and contacts

Even employees not enrolled in a Redhorse medical plan are eligible to participate in the Healthcare FSA.

The Dependent Care FSA offers a way to pay for eligible dependent adult and/or childcare expenses using pretax dollars. This means a participant’s money goes further while reducing their taxable income.

HSAs provide employees an opportunity to deferral money tax-free into a medical personal savings accounts to be used to pay medical, dental, vision, and prescription expenses. Participation in the HSA does require enrollment in the Redhorse High-Deductible Health Plan. Contributions are made directly through payroll deductions and Redhorse contributes to the plan as well.

A major advantage of an HSA is the triple tax savings as there are no taxes on contributions (federal and most state taxes), your account grows tax free, and you never pay taxes on the money you withdraw to pay for qualified healthcare expenses.

Redhorse recognizes the need for balance between work and leisure for personal well-being and to continue to maintain quality performance. To help foster this idea, employees are provided time off to be used for personal time, vacation, sick and holidays. Employees are also provided with bereavement and jury duty to be used when applicable. Additionally, at the discretion of the employee’s manager, contract terms and guidelines, employees have flexible workday hours.

Redhorse provides financial protection to employees and their dependents in the event of death or serious injury. Full-time benefits eligible employees are automatically enrolled in basic life and basic accidental death and dismemberment (AD&D) insurance at no cost. Employees have the opportunity to purchase supplemental Life for themselves and dependents at affordable group rates. Both Long-Term Disability and Short-Term coverage is also provided to all benefit eligible employees at no cost.

Employees can participate in voluntary benefits, including Accident, Critical Illness, and Hospital Indemnity at affordable group rates. This coverage complements medical plan coverage by providing cash benefits that can be used to help pay for the out-of-pocket expenses that were unplanned for.  Each plan offers two levels of coverage and is available for dependents as well. Each plan also includes a Health Screening Wellness Benefit for completing an annual physical.

When employees and families need helpful guidance, counseling, local resources or reliable professional care, Redhorse offers services through an EAP. This benefit offers resources and counselors to help identify options and potential solutions for many of life’s challenges, including childcare, senior care, legal issues, and identity theft. All employees and household members are automatically enrolled in the EAP and can use the EAP tools and services confidentially even if not enrolled in a Redhorse medical plan.

A 401(k) plan can be an important part of one’s future financial security, as it offers an easy and convenient way to save for retirement. Redhorse offers both a traditional pre-tax 401(k) as well as a Roth retirement plan available to all employees on the first of the month following date of hire. Our plans provide passive and active investment options with a wide selection of funds. All contributions are eligible for a discretionary employer match.

Employees can use pre-tax dollars to pay for qualified work-related commuting and parking expenses with our commuter benefits. A participating employee can use their vendor debit card to pay (or submit for reimbursement) for public transportation (bus, train, ferry, subway, vanpool (seating 6+ adults), commuter highway vehicles, and parking/parking meter to and from work.