Ancillary Benefits – Employer Costs

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The charts below show your options as an employer and allows you to custom build a powerful, competitive benefits package for your company. As an employer, you have the option to sponsor costs for your employees.

Voluntary fees are paid 100% by the employee, while employer-sponsored fees are paid in part or full by the company at lower costs.

To see a list of fees for other (non-benefits) additional services, please visit our Additional Services & Assessments resource page.

 

Dental Plans

You can save on your dental plan by contributing to some or all of your employees’ costs! Employers sponsoring dental must contribute a minimum of 25% to the employee-only preventative with 75% participation.

Click here to learn more about Nextep’s dental plan offerings.

Coverage Level
EMPLOYER-sponsored cost
voluntary cost
Dental – Preventative 
Employee Only $15.69 $18.31
Employee + Spouse $30.32 $35.46
Employee + Child(ren) $26.56 $31.01
Family $47.02 $54.79
Dental – Core
Employee Only $26.16 $30.09
Employee + Spouse $49.36 $57.55
Employee + Child(ren) $42.65 $50.09
Family $74.36 $88.04
Dental – Enhanced
Employee Only $40.98 $48.59
Employee + Spouse $87.65 $103.36
Employee + Child(ren) $75.96 $89.94
Family $132.81 $158.03
Dental – Enhanced Platinum
Employee Only $47.43 $54.51
Employee + Spouse $100.90 $115.98
Employee + Child(ren) $87.79 $100.94
Family $154.28 $177.34

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Vision Plans

You can save on your vision plan by contributing to some or all of your employees’ costs! Employers sponsoring vision must contribute a minimum of 25% to the employee-only Core plan with 75% participation.

Click here to learn more about Nextep’s vision plan offerings.

Coverage Level
EMPLOYER-sponsored cost
voluntary cost
Vision – Core
Employee Only $4.59 $5.73
Employee + Spouse $9.15 $11.42
Employee + Child(ren) $9.54 $11.93
Family $12.38 $15.20
Vision – Enhanced
Employee Only $6.09 $7.60
Employee + Spouse $12.13 $15.16
Employee + Child(ren) $12.66 $15.83
Family $16.44 $20.17

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Disability Plans

Employers choosing to sponsor short or long-term disability must contribute 100% to the plan with 100% eligible employee participation. Gross-up pricing is also available.

Click here to learn more about Nextep’s voluntary disability plan offerings.

PLAN
BENEFIT
COST
Short-Term Disability (STD) – EMPLOYER-SPONSORED
STD Choice 60% of earnings, up to $2,500 per week, covers days 16-90 $0.238 per $1,000 cvg
STD Select 60% of earnings, up to $1,500 per week, covers days 8-180 $0.307 per $1,000 cvg
STD Principal 60% of earnings, up to $1,500 per week, covers days 8-90 $0.267 – $0.407 per $10 wkly, varies based on company’s SIC code
STD Essential 60% of earnings, up to $1,000 per week, covers days 15-180 $0.227 per $1,000 cvg
Long-Term Disability (LTD) – EMPLOYER-SPONSORED
LTD Choice 50% of earnings, up to $1,000 per month, beginning day 181 $0.127 per $1,000 cvg
LTD Select 60% of earnings, up to $5,000 per month, beginning day 91 $0.182 per $100 | pay period
LTD Principal 60% of earnings, up to $10,000 per month, beginning day 91 $0.212 per $100 | pay period
Short-Term Disability (STD) – VOLUNTARY
STD Benefit is 60% of earnings, up to $1,500 per week, beginning day 8.

Voluntary STD plans are calculated using the Fee Factor chart to the right. 

Cost Formula:

  • Weekly Benefit (wkly earning x 60%)
  • x Fee Factor
  • = Employee Cost | per month
Long-Term Disability (LTD) – VOLUNTARY
LTD  Benefit is 60% of earnings, up to $10,000 per month, beginning day 91.

Voluntary LTD plans are calculated using the Fee Factor chart to the right. 

Cost Formula:

  • Monthly Benefit (mnth earning x 60%)
  • x Fee Factor
  • = Employee Cost | per month

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AD&D and Life

Employers sponsoring Life and AD&D must contribute 100% to the plan with 100% eligible employee participation.

The employer-sponsored option includes both AD&D and Life, paid with one easy cost. The voluntary, employee-paid option separates AD&D and Life into two separate benefits.

Click here to learn more about Nextep’s AD&D and Life plan offerings.

PLAN
COVERAGE
COST
Accidental Death & Dismemberment (AD&D) and Life – EMPLOYER-SPONSORED
$15,000 coverage Employer sponsorship includes both Life and Accidental Death
& Dismemberment (AD&D). Voluntary plans are also offered in addition to or instead of the employer-sponsored option.
$1.89
$25,000 $3.15
$50,000 $6.30
1x or 1.5x salary $0.126 per $1000 cvg
Accidental Death & Dismemberment (AD&D) – VOLUNTARY
Employee up to 5 times employee salary
in increments of $10,000, up to $500,000
$0.032 per $1,000 cvg
Spouse up to 50% of employee’s cvg in increments of $5,000 $0.034 per $1,000 cvg
Child(ren) up to 50% of employee’s cvg
in increments of $2,000
$0.034 per $1,000 cvg
Life – VOLUNTARY
Employee up to 5 times employee salary
in increments of $10,000, up to $500,000
Cost varies based on age and coverage. Click here for detailed employee costs.
Spouse up to 50% of employee’s cvg in increments of $5,000 Cost varies based on age and coverage. Click here for detailed spouse costs.
Child(ren) 14 days-6 mo: $250 cvg max.
6 mo-25 years (if unmarried FT
student): flat $10,000 cvg
One monthly fee of $2 covers all eligible dependents

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Group Whole Life

Group whole life pays in the event of your death, helping your family maintain financial peace of mind. As long as you pay the benefit costs, this life insurance does not expire, age out, or increase costs based on health conditions.

Click here to learn more about Nextep’s Group Whole Life plan offering and how it differs from the term life option. This benefit is voluntary and 100% employee-paid.

COVERAGE
COST
Group Whole Life – VOLUNTARY
Guarantee issue up to $100,000 if enrolling during initial eligibility. Coverage is portable and dividend-eligible. Cost varies based on age and amount of coverage. Employees can get a custom quote at mm.benselect.com.

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Telehealth

Telehealth doctors are available 24/7/365 to provide quality care through the convenience of phone or video consults. This phone-based service can handle many routine doctor office visits, saving your people time and money.

This benefit can be used on its own or as an additional, money-saving layer in addition to your company’s health plan. Employers choosing to sponsor this benefit must contribute 100% to the plan with 100% eligible employee participation.

Click here to learn more about Nextep’s telehealth options.

PLAN
COVERAGE
COST
Telehealth – EMPLOYER-SPONSORED
Basic Consultations are a $49 copay.* $4
Plus Consultations with no copay!* $5
Enhanced Phone & app consults with no copay!* Plus, second opinions. $8
*Additional fees apply for mental health and dermatology visits

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Hospital

Nextep’s hospital plan can help protect your finances from an unexpected hospitalization. It pays flat fees in the event of hospitalization to help cover expenses like plan deductibles, copays, and extra costs for out-of-network care.

This voluntary benefit can be used on its own or as an additional, money-saving layer in addition to your company’s health plan. It comes in two tiers: high and low.

Click here to learn more about Nextep’s hospital plan.

PLAN
COVERAGE
COST
Hospital LOW – VOLUNTARY
Employee Only
  • Admission: $500
  • Hospital stay: $100 per day, up to 31 days
  • Inpatient rehab: $100 per day, up to 15 days per accident & 30 days per calendar year
$9.54
Employee + Spouse $18.68
Employee + Child(ren) $17.27
Family $29.37
Hospital HIGH – VOLUNTARY
Employee Only
  • Admission: $1500
  • Hospital stay: $200 per day, up to 31 days
  • Inpatient rehab: $200 per day, up to 15 days per accident & 30 days per calendar year
$24.14
Employee + Spouse $47.28
Employee + Child(ren) $43.67
Family $74.30

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Accident

Nextep’s accident insurance pays in the event of a covered accident, such as broken teeth, burns, lacerations, coma, fractures, concussions, and more.

This voluntary benefit can be used on its own or as an additional, money-saving layer in addition to your company’s health plan. It comes in two tiers: basic and premium

Click here to learn more about Nextep’s accident plan.

PLAN
COVERAGE
COST
Accident BASIC – VOLUNTARY
Employee Only
  • Pays a flat amount from $15 to $5,000 based on nature and severity of accident
  • Includes an accidental death benefit of up to $25,000
$9.44
Employee + Spouse $13.91
Employee + Child(ren) $17.71
Family $22.83
Accident PREMIUM – VOLUNTARY
Employee Only
  • Pays a flat amount from $25 to $10,000 based on nature and severity of accident
  • Includes an accidental death benefit of up to $50,000
$17.67
Employee + Spouse $26.50
Employee + Child(ren) $33.72
Family $43.04

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Critical Illness

Nextep’s critical illness plan pays in the event of a critical diagnosis, including cancer, heart attack, severe stroke, kidney failure, Alzheimer’s disease, organ transplants, and more.

This voluntary benefit can be used on its own or as an additional, money-saving layer in addition to other plans. It comes in two tiers: $15,000 and $30,000. The benefit pays out up to the maximum amount, based on the nature and severity of the diagnosis.

Click here to learn more about Nextep’s critical illness plan.

COSTS
Critical Illness $15,000 – VOLUNTARY
Critical Illness $30,000 – VOLUNTARY

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You can use a network attorney for covered services, such as wills, elder care, civil lawsuits, powers of attorney, and money matters for a small monthly cost. Eligible legal matters are fully covered with no co-pays, deductibles, or claim forms when using an in-network attorney.

Click here to learn more about Nextep’s legal plan offering.

Coverage Level
COVERAGE
cost
Legal – VOLUNTARY
Employee Only Covers personal legal services for employee, spouse, and dependents. $16.50

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Identity Theft

We offer comprehensive identity monitoring and resolution services that go beyond the basic coverage that banks or credit card companies offer, and typically are a fraction of the cost. You can elect or cancel coverage any time for any reason.

Coverage is offered at two levels: platinum and plus/basic. Both plans offer comprehensive identity monitoring and resolution services, with the added benefit of your credit report and score with the platinum plan.

Click here to learn more about Nextep’s identity theft insurance.

Coverage Level
COVERAGE
cost
Identity Theft PLUS/BASIC – VOLUNTARY
Employee Only Offers comprehensive identity monitoring and resolution. $7.95
Family $13.95
Identity Theft PLATINUM – VOLUNTARY
Employee Only Platinum coverage includes your credit report and score. $12.95
Family $22.95

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Pet Insurance

Protect your pets with Nextep’s robust pet insurance options. With coverage for many common ailments and accidents, you can keep Fido healthy while you save more of your dollars.

Click here to learn more about Nextep’s pet insurance.

COVERAGE
COST
Pet Insurance – VOLUNTARY
Offers a variety of pet services with a $250 deductible. Cost varies based on pet. Employees can get a custom quote at petinsurance.com/nextep.

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Lifestyle Benefits

Lifestyle Benefits provide savings on items you use everyday. They’ve negotiated exclusive offers that you can’t find anywhere else online. Coverage is offered at three levels: everyday savings, protection, and lifestyle & protection.

All plans cover employee, spouse/domestic partner, and any IRS dependent(s) at one low cost.

Click here to learn more about Nextep’s lifestyle benefits.

PLAN
COVERAGE
COST
Lifestyle Benefits – VOLUNTARY
Everyday Savings Plan Savings include hotels, movies, restaurants, gym, and shopping. $7.95
Protection Plan Savings include roadside assistance, legal assistance, and ID theft resolution. $8.95
Lifestyle & Protection Plan Includes all of the savings above, plus vet and pet RX discounts. $10.95

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Employee Assistance Program

Employees can benefit from the Employee Assistance Program (EAP), offered through Health Advocate, at every stage of their lives and careers.

When you need help or just have a question, the EAP is here, confidential and free of charge.

Click here to learn more about the EAP.

COVERAGE
COST
Employee Assistance Program (EAP)
Employees can access all resources through a single phone number or internet sign-on, saving time and providing easy access to valuable information. Free!

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FSA, HSA, & HRA

A health savings account (HSA) or flexible spending account (FSA) allows you to deduct a set amount of pre-tax money from each paycheck to pay for certain IRS-qualified out-of-pocket health expenses, such as medical copays, dependent care, prescription drugs, transit, and parking.

Learn more about Nextep’s FSA, DCA, LPFSA, Parking & Transit FSA, and HSA benefits.

PLAN
COVERAGE
COST
Cafeteria Plans
Flexible Spending Account (FSA) Includes FSA, dependent care account (DCA), limited purpose FSA (LPFSA), and parking and transit FSAs No additional fees
Health Savings Account (HSA) The employer can decide whether to sponsor the setup fee and monthly admin. The replacement debit card and early withdrawal fees are employee costs. $10 | one-time setup fee
$5 | admin fee per employee/month
$10 | replacement card
$20 | early withdrawal fee
Health Reimbursement Arrangement (HRA)* HRAs allow your company to assist with medical plan deductibles. Click here to learn more.  $1,000 | one-time employer deposit
$400 | one-time setup, per plan
$200 | annual renewal
$5 | per employee/month
*HRA fees are 100% paid by the employer if participating

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Retirement

Whether retirement is a lifetime away or right around the corner, Nextep’s retirement plans can help you achieve your retirement goals. Employers can choose whether or not to sponsor the administrative fees.

Click here to learn more about Nextep’s retirement benefits.

COST
401(k) 
0.37% of total assets, assessed monthly
Additional fees may be assessed for advisor services, special reports, amended returns, distributions, loan processing, insufficient funds, and more. See the most recent Empower fee disclosure for details.

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CoverWallet

CoverWallet offers a variety of coverage options for your company, including general liability, commercial auto, professional liability, cyber liability, and more.

Click here to learn more about Nextep’s CoverWallet insurance options to protect your company.

COVERAGE
COST
CoverWallet Insurance
Offers a variety of insurance solutions for your business. Cost varies based on product(s) purchased. Get a custom quote online or by calling (332) 895-1753.

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