AHC - Employee Benefits Guide 2026

Employee Benefits Guide 2026 (DRAFT)
Stitch PEO is pleased to present this benefits guide exclusively for American Healthcare Centers' employees and their families. This robust package allows you to better prepare for planned and unplanned life events — including medical, dental, vision, disability, life insurance, AD&D, accident, critical illness, and hospital indemnity.
American Healthcare Centers contributes 50% toward the employee cost of medical, dental, and vision coverage. Dependents are covered at 100% employee cost. All contributions are deducted every pay period.
Be sure to also avail of certain exclusive free benefits including Prescription Discounts and Employee Perks & Rewards.
Contact Benefits Team
benefits@stitchpeo.com
What's Inside
1. Eligibility for Benefits
2. Enrollment Windows & Life Events
3. BCBS Illinois Medical Plans
4. Delta Dental Coverage
5. Vision Coverage
6. Short-Term Disability — Aflac
7. Aflac Accident Insurance
8. Aflac Hospital Indemnity
9. Aflac Life Insurance
10. Aflac Cancer Insurance
11. Telehealth Medicine — Doctegrity
12. Member Deals & Exclusive Discounts
13. CompareMedsRx — Prescriptions
14. Know Your Benefits
15. Medical Rates (Pre-Tax)
16. Dental, Vision & Accident Rates
17. 401(k) Retirement Savings Plan
18. FSA & HSA — Save on Healthcare Costs
19. Enrollment Checklist
20. Questions & Contact
Are You Eligible for Benefits?
Benefit eligibility varies by employee classification (Full-Time/Part-Time), tenure, and benefit type. For all New Hires after 1/1/2026, medical coverage begins the First of the Month following 90 days after your hire date. 
Legal Spouse
Your IRS-recognized legal spouse
Children (to Age 26)
Natural, legally adopted, or disabled dependent children
QMCSO Dependents
Children covered under a Qualified Medical Child Support Order
Please email your HR Director or your supervisor for additional eligibility information. Certain limitations apply.
💡 Employer Contribution: American Healthcare Centers contributes 50% toward the Employee-Only premium for medical, dental, and vision. Dependent coverage is available at 100% employee cost, paid every pay period.
When Can I Enroll or Make Changes?
Enrollment Windows
Benefit elections can be made during your New Hire enrollment period and during Open Enrollment. You may change plans or add/drop coverage. Changes made during open enrollment remain in effect until the following open enrollment period.
Qualifying Life Events
You have 31 days from the date of a life event to submit an enrollment change request and documentation to benefits@americanhealthcarecenters.com. Otherwise, wait until the next annual open enrollment.
Carrier contact: MetLife 1-800-GET-MET8
Loss of Coverage
Got Married
Had a Baby
Turned 26
Moved to a New State
Medical Benefits
Blue Cross Blue Shield of Illinois Medical Plans
BCBS Illinois offers three medical plan options through Blue Cross and Blue Shield of Illinois. Plans range from a $0-deductible HMO to PPO options with broader network flexibility — giving you the choice to match your health needs and budget. Click any plan name below to view the full Summary of Benefits and Coverage (SBC).
View Plan SBCs (add the IPM and LaborForce variations here too - or separate guides?)
Blue Precision Platinum HMO
Blue Choice Preferred Platinum PPO
Blue Choice Preferred Gold PPO
Employer contributes significantly toward your medical coverage. See the Medical Rates page.
Dental Benefits
Delta Dental Coverage (Update per Plan SBC)
Everyone should have access to great dental coverage. Poor oral health has been linked to diabetes, heart disease, and strokes — making regular dental visits essential, not optional.
Administered by Delta Dental of Illinois — PPO Plan. Full plan design details coming soon. The coverage tiers below are representative; confirm exact percentages with your plan documents once available.
Preventive Services — 100%
Oral exams (once/6 months), cleanings, x-rays, fluoride treatment, space maintainers, sealants
Basic Services — 80%
Fillings, periodontal services, scaling & root planing, simple extractions, root canals, general anesthesia
Major Services — 50%
Bridges & dentures, single crowns, complex extractions, implants, inlays & veneers
Orthodontia
$1,000 lifetime maximum | Annual maximum: $1,000 | Lifetime deductible: $100 individual / 3x family
Out-of-network reimbursed at UCR 90th percentile. Dependent age limit: 19 (end of month).
Vision Benefits
Principal Vision Coverage (update per Plan SBC)
Vision insurance helps protect the health of your eyes by providing benefits often not covered by medical insurance. Coverage renews every 12 months for exams, lenses, and contacts — and every 24 months for frames.
Disability Benefits
Short-Term Disability — Aflac (verify with Dalia at AFLAC)
If you rely on your income to pay everyday expenses, disability insurance is essential. Accidents and illness happen unexpectedly — Aflac Short-Term Disability pays a benefit when you are unable to work due to a covered illness or injury. Benefits are paid directly to you to use however you need — bills, rent, groceries, or anything else.
Short-Term Disability — Aflac
Coverage: Up to 60% of salary, max $1,500/week
Maximum benefit period: 13 weeks
Benefits begin: Day 8 of disability
Premium waived while receiving benefits
100% Voluntary Employee Paid
This is an Aflac-administered voluntary benefit. Full plan details and benefit amounts are available through your Aflac representative.
Accident Insurance
Aflac Accident Insurance
No one plans on getting injured — but accidents happen every day, including sports-related accidents. An injury that hurts an arm or leg can hurt your finances too. Accident insurance pays cash benefits directly to you, regardless of other coverage you have.
Two Plans Available
Choose Basic or Preferred coverage. Pays quickly when you report your first covered claim. Spouse coverage available (cannot exceed employee amount).
Sports Package
Benefits increase 25% for injuries resulting from participating in organized sports. Some exclusions apply.
Benefit Features
Guaranteed issue, no health questions. No pre-existing condition exclusions. Portable — keep coverage if you change employers.
Hospital Indemnity
Aflac Hospital Indemnity
Hospital Cash is hospital indemnity insurance that pays benefits directly to you, regardless of other coverage. If your medical plan has a high deductible, you may need the cash — especially with the average hospital stay lasting 4.6 days and costing $13,000.
Guaranteed Issue
Active employees age 18+, spouses/partners age 18+, and children through age 26 are eligible. No medical history required.
Renewable & Portable
Coverage renews automatically while you're an eligible employee. Keep your coverage even if you change jobs or retire.
No Pre-Existing Exclusions
There are no pre-existing condition exclusions — coverage applies from day one.
Life Insurance
Aflac Life Insurance
Basic Life — Aflac
$25,000 employer-sponsored life insurance plan (must be enrolled in medical benefits). Protects your family from financial vulnerability in the event of a premature death.
Voluntary Term Life — Aflac
Employee: $10,000 increments up to $500,000; guaranteed issue up to lesser of 3x earnings or $100,000
AD&D: Maximum 1x life amount included
Spouse: Up to $25,000 guaranteed issue
Child: Guaranteed issue up to $10,000
Portable — take coverage with you if you leave employment (restrictions apply)
Most families need 6–10 times their income in coverage to maintain their current lifestyle. Life insurance can cover mortgage payments, legal or medical fees, childcare, tuition, and outstanding debts.
Cancer Insurance
Aflac Cancer Insurance
Aflac Cancer Insurance provides a lump-sum cash benefit upon diagnosis of a covered internal cancer or carcinoma in situ. Benefits are paid directly to you — not to doctors or hospitals — giving you financial flexibility during treatment. Coverage helps offset costs that medical insurance may not cover, such as travel, lodging, lost income, and experimental treatments.
Lump-Sum Diagnosis Benefit
Cash paid directly to you upon a covered cancer diagnosis
Treatment Benefits
Benefits for chemotherapy, radiation, surgery, and hospital stays
Wellness Benefit
Annual benefit for cancer screenings and preventive exams
Flexible Use
Use benefits for any expense: medical bills, mortgage, groceries, or travel
Telehealth Medicine — Doctegrity (want to add?)
Doctegrity connects you with Board-Certified doctors and licensed Mental Health Therapists providing consultations over the phone or through video chat — 24/7/365, nationwide. No insurance needed. Available to all employees and their whole families with no co-pays or surprise bills.
eHealthcare
Speak to a Board-Certified Physician via video or phone and get a prescription if needed
Pharmacy Discount
Save up to 80% on prescriptions — even pet medication! Up to 80% off lab tests, no doctor order needed
Mental Health Therapy
Talk or text a licensed therapist 24/7/365. True short-term therapy with 100% follow-ups with the same therapist
Beyond Healthcare
Financial consultations, attorney consultations, medical bill help, and medical diagnosis support
Call: 877.342.5152 | Email: Hello@doctegrity.com | Web: www.Doctegrity.com | Cost: $10.00/paycheck
Perks & Programs
Member Deals — Exclusive Discounts
As a Stitch PEO member, you have access to MemberDeals — exclusive discounts, special offers, and preferred seating for top attractions, theme parks, sporting events, movies, hotels, and much more.
Travel
Hotels, rental cars, flights, and vacation packages
Theme Parks
Walt Disney World, Universal Orlando, Knott's Berry Farm, Legoland, and more
Sports & Events
NBA, NHL, NFL, college football, concerts, and major events with preferred access
More Savings
Ski resorts, movie tickets, shopping deals, shows, and CityPASS bundles
Need help booking? Call (877) 579-1201
Perks & Programs
CompareMedsRx — Prescriptions at Better Prices
All Stitch PEO clients have full access to CompareMedsRx, a comprehensive online platform designed to help you easily compare prescription medication prices across different pharmacies — empowering you to make informed decisions and find the most cost-effective options for your healthcare needs.
Compare Prices Instantly
Search and compare medication costs across pharmacies in your area to find the best deal available to you.
Maximize Your Savings
Identify the most cost-effective options for your prescriptions and reduce your out-of-pocket healthcare spending.
Included for All Clients
This invaluable resource is available to all Stitch PEO clients at no additional cost as part of your benefits package.
Rate Sheet
Medical Plan Comparison & Rates (Pre-Tax)
Rates listed are per pay period — deducted every payroll. American Healthcare Centers contributes 50% toward the Employee-Only (EE) tier premium for medical coverage. Dependents (ES, EC, FAM tiers) are covered at 100% employee cost.
BCBS Illinois medical rates are age-banded — your premium is based on your age. Rates below reflect employee out-of-pocket cost after the employer contribution is applied. Employer contributes 50% of the employee-only premium. Dependent coverage is paid 100% by the employee. Contact benefits@stitchpeo.com for your specific age-banded rate quote.
Plan Overview — Key Cost Comparison
Prescription Drug Costs
Rates are age-banded. Contact benefits@stitchpeo.com for your personalized rate quote.
Rate Sheet
Dental & Vision Rates (UPDATE)
Rates listed are per pay period. American Healthcare Centers contributes 50% toward the Employee-Only (EE) tier premium for dental and vision. Dependents pay 100% of the cost. Accident insurance is 100% employee-paid (voluntary).
Dental PPO (Pre-Tax)
Vision Plan (Pre-Tax)
Accident Insurance rates are determined at time of enrollment. Contact benefits@stitchpeo.com for current rates.
Short-Term Disability: 100% Employee Paid, Voluntary.
Long-Term Disability: 100% Employee Paid. Voluntary.
Telehealth (Doctegrity): $10.00/paycheck (Post-Tax).
Critical Illness: Two plans available — coverage limits $15,000 and $30,000; premium determined at time of enrollment.
Hospital Indemnity: Employee Paid, Voluntary.
Voluntary Life: Employee, spouse, and children coverage available; premiums determined at time of enrollment. 100% Employee Paid.
Basic Life: 1X Basic Annual Earnings up to $25,000 MAX — 100% Employer Paid.
Retirement Benefits
401(k) Retirement Savings Plan
Securing your financial future is crucial. This 401(k) plan, administered through Human Interest, offers American Healthcare Centers employees a straightforward way to save for retirement and build long-term wealth.
Key Plan Features
Contribution Flexibility: Choose between pre-tax and Roth 401(k) options to suit your tax strategy.
Automatic Enrollment: Start saving effortlessly with automatic enrollment, or adjust your contributions anytime.
Diverse Investment Options: Access a range of professionally managed funds to align with your financial goals and risk tolerance.
Portability: Your savings are portable; take your plan with you if you leave the company (restrictions apply).
How to Enroll & Get Started
Log In: Access your 401K portal.
Set Contributions: Easily select your desired contribution rate from your paycheck.
Choose Investments: Review and choose your preferred investment options.
Designate Beneficiaries: Ensure your loved ones are protected by updating your beneficiaries.
Questions about your 401(k) plan? Contact your 401(K) team or your internal HR Team. This is NOT currently administered by Stitch. 
Tax-Advantaged Accounts
FSA & HSA — Save on Healthcare Costs
These pre-tax accounts, administered through Stitch PEO (or does AHC have one already?), offer American Healthcare Centers employees flexible ways to save money on eligible healthcare expenses, reducing your out-of-pocket costs and maximizing your financial well-being.
FSA — Flexible Spending Account
Use pre-tax dollars for eligible medical, dental, and vision expenses. These funds are available immediately at the start of the plan year.
Use-it-or-lose-it rule applies, though often with a grace period for spending.
Covers a broad range of qualified healthcare and dependent care expenses.
2026 IRS contribution limit: $3,300
HSA — Health Savings Account
Paired with a High-Deductible Health Plan (HDHP), an HSA offers a triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.
Funds roll over year to year, accumulating savings for future healthcare needs.
You can invest your HSA funds, potentially growing your savings over time.
The account is portable, remaining yours even if you change employers or health plans.
2026 IRS contribution limits: $4,300 (Individual) / $8,550 (Family)
To enroll or learn more, log in to your Stitch PEO portal or contact benefits@stitchpeo.com.
Your Benefits Enrollment Checklist
Complete your enrollment on time — New Hire medical coverage begins the first of the month following your date of hire. For questions, contact benefits@stitchpeo.com.

Questions? We're Here to Help.
This plan overview is a brief description of available benefits. Please refer to the full plan documents or contact your Benefits Administrator for complete descriptions and information.
Benefits Questions
benefits@stitchpeo.com
Telehealth — Doctegrity
877.342.5152
Hello@doctegrity.com
www.Doctegrity.com
Your Stitch PEO Benefits Administrator: 
Clarice Jordan
Member Deals Booking
(877) 579-1201
Benefits are a big part of your total compensation. Make the elections that fit your personal and family needs — and get the maximum value from your Stitch PEO benefits package.
Contact Benefits Team
Access Telehealth