Insurance
Alpena Oil Company  (800) 968-1098

Full Time Office Staff, Drivers, Supervisors, Maintenance Personal, Store Managers, Assistant Store Managers and Meat Managers
AOC currently offers a health insurance plan through Blue Cross/Blue Shield to employees who are        (1) either Office Staff, Drivers, Supervisors, Maintenance Personal, Store Managers, Assistant Store Managers or Meat Managers and (2) are 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 Personal
For the period 1/1/2020 thru 12/31/2020, full time Office Staff, Drivers, Supervisors and Maintenance Personal  may elect to participate in Simply Blue Plan through Blue Cross/Blue Shield subject to the following co-payments:

                          1 Person     2 People     3 People     4 People     5 People    Etc.

Simply Blue Plan
Weekly               $11.00         $22.00        $33.00        $44.00       $55.00

Full Time Store Managers, Assistant Store Managers and Meat Managers
For the period 1/1/2020 thru 12/31/2020, full time Store Managers and Assistant Store Managers and Meat 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 
Weekly              $20.50         $41.00        $61.50        $82.00       $102.50

 

All Other Employees
All Other Employees not described above and meeting the criteria set forth immediately hereafter, may participate in AOC's High Deductible Catastrophic Plan 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 1/1/2020 thru 12/31/2020 those meeting the eligibility criteria set forth hereafter my elect coverage under the High Deductible Catastrophic Plan subject to the following co-payments:

 High Deductible Catastrophic                        

                        1 Person     9.5% of Gross Pay per week

                        2 People     9.5% of Gross Pay plus $83.00 per week

                        3 People or More   9.5% of Gross Pay plus $113.00 per week  

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 day requirement.

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 Insurance:

1) Simply Blue Plan will be available to Full Time Office Staff, Drivers, Supervisors, Maintenance Personal, Store Managers, Assistant Store Managers and Meat Managers 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 Simply Blue Plan in accordance with the above terms, you must be (1) either Office Staff, Driver, Supervisor, Maintenance Personal, Store Manager, Assistant Store Manager or Meat Manager and (2) a full time employee. "Full Time Employees" includes Office Staff, Drivers, Store Managers, Assistant Store Managers, Supervisors and Meat Managers who average 40 hours per week during the first calendar year, excluding any hourly employees working at the Office, C-stores or the Grocery Stores.

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. Spouses of employees are not eliglble to be on the employee's contract if their employeer provides coverage for them or they qualify for medicare.

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.