Employee Benefits Guide 2026

Stitch PEO is pleased to present this benefits guide exclusively for Innovative Care's 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.

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. Telehealth Medicine — Doctegrity
4. Aetna Medical Plans
5. MetLife Dental Coverage
6. MetLife Vision Coverage
7. Short-Term & Long-Term Disability
8. MetLife Accident Insurance
9. Critical Illness Insurance
10. MetLife Hospital Indemnity
11. Voluntary & Basic Life Insurance
12. MetLife Pet Insurance
13. Member Deals & Exclusive Discounts
14. CompareMedsRx — Prescriptions
15. Know Your Benefits
16. Medical Rates (Pre-Tax)
17. Dental, Vision & Accident Rates
18. Enrollment Checklist
19. 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 the first 30 days of employment.

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 benefits@stitchpeo.com for additional eligibility information. Certain limitations apply.

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@stitchpeo.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
Telehealth Medicine — Doctegrity

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

Medical Benefits
Aetna Medical Plans

Aetna offers five medical plan options through the AFA Illinois Savings Plus CPOSII network. Plans range from lower-deductible traditional options to HSA-eligible high-deductible plans — giving you flexibility to choose the coverage that best fits your health needs and budget. Click any plan name below to view the full Summary of Benefits and Coverage (SBC).

View Plan SBCs

Employer contributes $560.00/month toward your medical premium.

Medical Benefits
MetLife Dental Coverage

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.

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
MetLife Vision Coverage

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 & Long-Term Disability

If you rely on your income to pay everyday expenses, disability insurance is essential. Accidents and illness happen unexpectedly — disability coverage ensures you receive partial income if you're too sick or injured to work. Many disabilities are caused by common conditions like heart disease and arthritis, and are not covered by workers' compensation.

Short-Term Disability — MetLife
  • 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
Long-Term Disability — MetLife
  • Coverage: 60% of salary, max $8,000/month
  • Maximum benefit period: Social Security Retirement Age
  • Benefits begin: Day 90 or end of STD maximum benefit period
  • Pre-existing condition limitation: 3/12
  • 100% Voluntary Employee Paid
Accident Insurance
MetLife 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.

Critical Illness
Critical Illness Insurance — Protection When You Need It Most

Heart attacks, cancer, and strokes happen every day — often unexpectedly. Your health insurance may cover some costs, but not everything. Critical illness insurance closes the financial gap and helps you manage expenses when it matters most.

40s
Heart Attack Frequency

Someone has a heart attack every 40 seconds in the U.S.

$10K+
Cancer Out-of-Pocket

Annual out-of-pocket costs for 60% of cancer patients exceed $10,000

60%
Americans Unprepared

60% of Americans can't cover an unexpected $1,000 expense

Hospital Indemnity
MetLife Hospital Indemnity Benefits

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
Voluntary & Basic Life Insurance
Basic Life — MetLife

$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 — MetLife
  • 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.

Pet Insurance
MetLife Pet Insurance

Pets are family, and vet bills can be emotionally and financially stressful. MetLife Pet Insurance offers award-winning coverage with more flexibility than other carriers.

More Coverage & Value

Covers previously covered pre-existing conditions when switching providers. Family plan covers up to 3 pets under one annual limit — savings up to 30%.

Choice & Flexibility

Wider range of deductible and reimbursement options. Optional Preventive Care Coverage for vaccines, heartworm, flea medications, and teeth cleanings.

Simplified Service

Easy-to-use mobile app to submit and track claims. Most claims processed within 5 days. Knowledgeable pet advocates available to assist.

20
Years of Experience
75
Relationship NPS Score
80%
Claims Processed in 5 Days
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 Rates (Pre-Tax)

Rates listed are monthly — deducted across first two payrolls in a month; no deductions on the 3rd payroll of the month.

Employee Monthly Cost (After $560 Employer Contribution)

Tier key: EE = Employee Only | ES = Employee + Spouse | EC = Employee + Child(ren) | FAM = Family

Rate Sheet
Dental, Vision & Accident Rates

Rates listed are monthly — no deductions on the 3rd payroll of the month.

Dental PPO (Pre-Tax)
Vision Plan (Pre-Tax)
Your Benefits Enrollment Checklist

Complete your enrollment on time — New Hire medical coverage begins the first of the month following 30 days from 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

MetLife

1-800-GET-MET8
(1-800-438-6388)

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.