Accident

Accidents are usually followed by a series of bills. Even if you have medical insurance, you may still have to cover out-of-pocket costs. If you suffer from a fracture, dislocation, or other covered accidental injury, Accident Insurance can help offset unexpected medical expenses, such as emergency room bills, deductibles, and co-payments.  When an unexpected injury happens, Accident Insurance can help offset costs that are not covered by your medical plan. 

Critical Illness

Critical illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke.  The benefit provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses of the illness, and coverage is available to both employees and their families. 

Health Savings Account (HSA)

A Health Savings Account (HSA) allows you to deposit Federal Income and Social Security tax-free money from each paycheck into your HSA account to be used for specific expenses.  HSA funds can be used for medical, dental, vision, pharmacy, and other related expenses. HSA funds are ALWAYS YOURS.

Employee Assistance Program (EAP)

Elmet Technologies provides an Employee Assistance Program (EAP) to all benefits-eligible employees and family members at no cost to you.  Call ComPsych's GuidanceResources Employee Assistance Program (EAP) for confidential assistance to help manage life's challenges!

Flexible Spending (FSA)

The Flexible Spending Accounts (FSA) allow you to set aside pre-tax funds that are available for healthcare and dependent day care expenses.  You may enroll in the Healthcare FSA (for medical, dental, vision, pharmacy, and other related expenses) and / or the Dependent Care FSA (primarily for dependent day care expenses). If you are enrolled in a High Deductible Health Plan (HDHP), you also have the option to enroll in a Health Savings Account (HSA). 

Disability

As an Elmet Technologies employee, you receive both short term and long term disability coverage at no cost to you.  These plans pay a benefit should you remain disabled and unable to work, and provide you with financial protection in the event of a catastrophic illness or injury. 

Life Insurance

Life Insurance can help provide financial protection for your family if you pass away. The money received from a life insurance policy could help your family with both everyday and future expenses, including medical bills, funeral costs, utilities, college tuition, and mortgage payments. Life Insurance provides you with coverage as long as you continue paying your monthly premium.

Your cost will vary depending on your age and amount of coverage you elect. It is important to assess your current and future financial obligations to help you determine the coverage that's right for you. Our Benefits Service Center Specialists can help you make the right decision for you and your family.

Vision

Our vision changes over time, so you may not be aware of your need for vision correction. That’s why an annual eye exam is critical to keeping your view of the world sharp and clear. Vision Insurance helps offset the costs of routine checkups and vision correction wear that may be prescribed. Routine eye exams are a preventive measure for maintaining your overall health and wellness, and your doctor will look for vision problems and signs of serious medical conditions such as glaucoma, cataracts, diabetes, and even cancer.

Dental

Dental Insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services. You pay for a certain amount out-of-pocket for services covered by your plan before your insurance starts paying (known as your deductible). Under this plan, the deductible is waived for preventive services like exams, cleanings, and x-rays. After you meet your deductible, you’re responsible for a percentage of covered expenses, which is called co-insurance.

Medical

There are three medical plans available to employees and their families: HSA, PPO Silver, and PPO Gold.  Each plan includes coverage for preventive care, visits to primary care and specialty care providers, coverage for hospital stays, and visits to urgent care & the emergency room.  When thinking about your health benefits, don’t look at just one thing - like your contributions or the deductible - be sure to consider the whole picture!