Embedded Files
Open Enrollment Info
Click button below to view the 2026 Benefits Booklet:
🏥 2026 Open Enrollment INFORMATION
🏥 2026 Open Enrollment INFORMATION
Enrollment Opens Monday, December 8, 2025
Deadline to Enroll or Waive Coverage: Monday, December 22, 2025 (End of Day)
Open Enrollment is your once-a-year chance to enroll in benefits, make changes, or waive coverage for 2026.
⚠ Even if you are already enrolled, you must re-enroll for 2026. Benefits do not auto-renew.
🔗How to Enroll
Login using your existing account
→ If you don’t remember your password, select Forgot PasswordOn Monday Dec 8, you will see Start Open Enrollment
Complete enrollment for Medical + any voluntary benefits
Confirm and submit
2026 Health Insurance FAQs:
2026 Health Insurance FAQs:
Why are there changes this year?
Last year, as a group, our medical claims were $386,000 higher than what was paid in premiums.
Our renewal originally came back at a 40% increase, but after negotiation and restructuring, we were able to reduce the impact significantly.
Even with this change, the company is still absorbing nearly $100,000 more in premium costs in 2026.
📌 This is why we now have two plan options instead of one.
How is the Buy-Up plan different from last year’s plan?
How is the Buy-Up plan different from last year’s plan?
Only two changes were made:
Max Out-of-Pocket increased from $3,000 to $5,000
ER copay increased from $250 to $500
Everything else, doctor visits, labs, imaging, prescriptions. remains mostly the same.
Why offer two plans instead of one?
Why offer two plans instead of one?
Two plans allow employees to choose what fits their lifestyle and budget.
Lower-cost option = Base Plan
More coverage & cushion = Buy-Up Plan
This structure helps protect the entire group and keeps costs stable long-term.
Which plan should I pick?
Which plan should I pick?
Choose Base if you:
Rarely go to the doctor
Want affordable payroll deductions
Primarily need coverage for peace of mind
Choose Buy-Up if you:
Expect multiple doctor visits or ongoing care
Have dependents with medical needs
Want the lowest out-of-pocket protection for high-cost care
Did employee-only costs increase?
The employee only (Base Plan) stayed the same as last year.
Dependent tiers increased but much less than the original 40% renewal. The company absorbed most of that cost.
Did employee-only costs increase?
The employee only (Base Plan) stayed the same as last year.
Dependent tiers increased but much less than the original 40% renewal. The company absorbed most of that cost.
Does the company offer additional benefits?
Yes. All supplemental benefit rates remain the same for 2026.
Examples include: dental, vision, accident, critical illness, life insurance.
You can view Dental & Vision information here: https://www.gearhub.info/benefits-faq/dental-vision
You can view all other supplemental information here: https://www.gearhub.info/benefits-faq/other-supplementals
Does the company offer additional benefits?
Yes. All supplemental benefit rates remain the same for 2026.
Examples include: dental, vision, accident, critical illness, life insurance.
You can view Dental & Vision information here: https://www.gearhub.info/benefits-faq/dental-vision
You can view all other supplemental information here: https://www.gearhub.info/benefits-faq/other-supplementals
⚠️ What happens if I do not complete open enrollment?
If you do not complete open enrollment by December 22nd, you will be automatically waived for 2026 and must wait until next December unless you have a qualifying life event.
⚠️ Do current participants still have to enroll?
Yes! Everyone must re-enroll.
⚠️ Can I add dependents later?
Only during open enrollment or with a qualifying event (marriage, birth, loss of coverage, etc.)
⚠️ Who to contact for help?
📩 HR – HR@joegearco.com
📞318-738-1965
If you would like to walk through open enrollment with HR:
Employees can schedule a time via text 1-855 563-4327
or call Shelby Smith directly at 318-738-1965
Monday 12/8
CTP-Many
CTP-Monroe
Renew Truck
Thursday 12/11
CTP-Alexandria
CTP-Lafayette
Monday 12/16
MTP Drivetrain
📊 2026 Medical Plan Options
📊 2026 Medical Plan Options
We have two medical plans through Cigna | Gravie Health. See below for comparison and rates
1. Buy-Up Plan – Gravie Comfort $5,000
Best for employees who:
✔ Prefer low/no cost primary visits
✔ Expect ongoing medical care or prescriptions
✔ Want the richer benefit option
BI-WEEKLY PAYROLL DEDUCTIONS;
EMPLOYEE ONLY: $112.33
EMPLOYEE + SPOUSE: $441.37
EMPLOYEE + CHILD(REN): $245.74
EMPLOYEE + FAMILY: $534.15
SEMI-MONTHLY PAYROLL DEDUCTIONS;
EMPLOYEE ONLY: $121.70
EMPLOYEE + SPOUSE: $478.16
EMPLOYEE + CHILD(REN): $377.36
EMPLOYEE + FAMILY: $594.48
2. Base Plan – Gravie Copay $3,000
2. Base Plan – Gravie Copay $3,000
Best for employees who:
✔ Want the lowest paycheck deduction
✔ Are generally healthy & rarely use care
✔ Don’t mind copays/coinsurance when needed
BI-WEEKLY PAYROLL DEDUCTIONS;
EMPLOYEE ONLY: $83.44
EMPLOYEE + SPOUSE: $387.91
EMPLOYEE + CHILD(REN): $306.14
EMPLOYEE + FAMILY: $482.28
SEMI-MONTHLY PAYROLL DEDUCTIONS;
EMPLOYEE ONLY: $90.39
EMPLOYEE + SPOUSE: $420.24
EMPLOYEE + CHILD(REN): $331.65
EMPLOYEE + FAMILY: $522.47
We worked hard to maintain strong health coverage while keeping cost increases as low as possible. The new two-plan structure gives employees flexibility, choice, and long-term cost protection for our entire group.
Page updated
Google Sites
Report abuse