Alpena Oil Company
Full Time Employees
AOC currently offers a health insurance plan through Blue Cross/Blue
Shield called Simply Blue to full time employees (See Notes to Health
Insurance for definition of full time employees.) All full time
employees who elect to participate must make co-payment in order to receive
the Simply Blue Plan. To view a Summary of Benefits and Coverage for
the Simply Blue Plan please click on the following: Summary of
Benefits Simply Blue
Full Time Office Staff, Drivers, Supervisors and Maintenance
For the period 1/1/2014 thru 12/31/2014, full time Office Staff,
Drivers, Supervisors and Maintenance may elect to participate in Simply
Blue Plan through Blue Cross/Blue Shield subject to the following
1 Person 2 People 3
People 4 People
5 People Etc.
Simply Blue Plan
Full Time Store Managers and Assistant Managers
For the period 1/1/2014 thru 12/31/2014, full Time Store Managers and
Assistant Managers may elect to participate in the Simply Blue Plant through
Blue Cross/Blue Shield subject to the following co-payments:
1 Person 2
People 3 People 4
People 5 People Etc.
Base Plan Simply Blue
Other Employees (part-time employees)
Part-time hourly employees meeting the criteria set forth
immediately hereafter, may participate in AOC's High Deductible
subject to the co-payments set forth herein. This coverage is being offered
to the employee and their children only. AOC will not cover an
employee's spouse or any other family member or dependent. Other than
the coverage's mandated by Obamacare this policy
has a deductible of $2,000(individual)/$4,000(individual plus child) on all
medical expenses including but not limited to doctors
visits and Rx and a 20% or 40% coinsurance thereafter. To view a
Summary of Benefits and Coverage for the High Deductible Catastrophic Plan
please click on the following: Summary of Benefits
High Deductible Catastrophic AOC will establish from time
to time the co-pay for this coverage and if elected by the employee the
cost will be deducted from employee's bi-weekly compensation. Your
co-payment should you elect coverage will be 9.5% of your gross
income. (For example if your gross pay over a 2 week period is
$560.00, $53.20 will be deducted from your pay check for that pay
period. If your gross pay over a 2 week period is $600.00, $57.00
will be deducted from your pay period.) For the period 1/1/2014 thru
12/31/2014 those meeting the eligibility criteria set forth hereafter my
elect coverage under the High Deductible Catastrophic Plan subject to the
1 Person 9.5% of Gross Pay per week
2 People 9.5% of Gross Pay plus $83.00
3 People or More 9.5% of Gross Pay plus $113.00 per
To be eligible to participate in the High Deductible Catastrophic Plan,
a part-time hourly employee must meet all of the following conditions:
a. Been employed for at least 90 days.
b. An employee may only enter on the 90th day of employment and
thereafter on January 1, April 1, July 1or October 1 after meeting the 90
c. An Employee must have averaged over the immediate prior 90
days and thereafter at least 30 hours or more of work per week.
d. Coverage will start the first Monday, two weeks after
submitting all required paper work to AOC and after the first deduction of
the premium from the employee's payroll.
e. 180 days after employment all
participating part-time employees will be subject to review of their
average hours per week worked over the immediate prior 90 days. These
reviews shall occur on January 1, April 1, July 1 and October 1. If
the participating employee shall failed to have worked an average of 30
hours per week for those immediate prior 90 days then coverage shall cease
at the end of the month.
f. If an employee's take home payroll does not equal the amount
of required premium and the employee has not sent the payment for the short
fall to the office with in 5 days of the applicable
payroll date coverage shall cease at the end of that month.
Questions Concerning Eligibility or Coverage
If you have questions concerning eligibility please call
the main office (989) 356-1098. If you have questions concerning
coverage please call Brian at Alpena Agency (989) 354-2175.
Notes to Health
1) With the exception of part-time hourly employees, health
insurance will be available to eligible employees on the first day of the
month following the later of 60 days of employment or eligibility,
thereafter only on January 1 or proof of loss of other insurance.
2) To qualify for health
insurance coverage in accordance with the above terms, you must be a
full time employee, an Assistant Manager or
a part-time hourly employee meeting the criteria set forth above.
"Full Time Employees" includes Managers, Assistant Managers,
Supervisors, and all other full time salaried employees and all hourly
employees who average 40 hours per week during the first calendar year, excluding
any hourly employees working at the C-stores or the grocery stores with the
exception of Assistant Managers.
3) It is the responsibility of the eligible employee to notify Personnel as
to whether or not they would like to enroll on the health insurance plan.
4) In the event of resignation, discharge, lay-off or reduction of hours,
group health insurance coverage will terminate on the last day of the month
in which the event occurs. Covered employees and their covered dependents
will be offered the opportunity for a temporary extension of health
coverage at group rates in certain instances where coverage under
the plan would otherwise end. As required by the Combined Omnibus
Reconciliation Act (COBRA), Personnel will notify the employee of their
options for continuation coverage.
5) Health insurance for employees off work for more than 30 days, due to a
work-related injury or illness will terminate on the last day of the month
following 30 days of absence from work. The employee will be notified of
their continuation benefits under COBRA. Our workers' compensation insurance
carrier will adjust the employee's compensation benefit accordingly.
6) Children of employee's who are between the ages of 19 and 26 may be
eligible to remain on the employee's contract at the employee's expense.
7) All terms and conditions, including but not limited to coverage,
co-pays and even the offering of insurance may be changed and/or eliminated
from time to time by AOC.