KAISER MEDICAL & PRESCRIPTION
The Chefs' Warehouse is pleased to offer you the option to enroll in a Kaiser Plan, exclusively for all California employees!
WHO IS ELIGIBLE?
All full-time employees living in California and working 30 or more hours per week.
EMPLOYEE RESOURCES
Please note if you are enrolled in The Chefs' Warehouse Medical and Prescription plan and if you need assistance with a medical bill you do not understand, if you have questions about your medical and prescription coverage, if you need assistance with a medical or prescription claim, etc. you will continue to have access to an employee resource.
Please reach out directly to the Graham Company, The Chefs' Warehouse's insurance broker. The email address is CWBenefts@grahamco.com or you may call 888-229-6494. The service line is staffed Monday through Friday from 9:00 AM to 5:00PM EST.
Additionally, you can utilize the HealthJoy App's "Bill Review" feature. Please see additional details in the "HealthJoy" section.
KAISER MEDICAL PLAN OPTION: HDHP WITH HRA
This is a High Deductible Health Plan that is paired with a Health Reimbursement Arrangement (HRA). The HDHP with HRA is designed to be simple - You will be responsible for paying the Kaiser-negotiated prices for services and prescription drugs until you meet the deductible. Once you meet the appropriate medical/prescription drug deductible, coverage is shared in a co-insurance/copay arrangement until the out-of-pocket maximum is met, and prescription drug copays apply until the out-of-pocket maximum is met.
Preventive care services are covered at 100% regardless of whether you have met the deductible.
To assist employees with their out-of-pocket medical expenses, The Chefs' Warehouse will contribute to the HRA. The Chefs' Warehouse will fund 50% of the deductible, contributing $2,750 for employee-only coverage and $5,500 for all other coverage tiers into the HRA. Employer HRA contributions will be prorated based on your date of hire.
If you choose to enroll in the Kaiser medical plan option, use the link below to Register for a Kaiser account. You will need your Medical Record Number (MRN) found on your Kaiser ID card.
Preventive Care
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Kaiser offers preventive services available at no cost to employees. Preventive care helps identify health problems when they are most treatable and before they become serious. Your doctor is able to provide proactive care and treatment when medical problems and illnesses are detected early through routine visits. The goal of preventive care is to help keep you as healthy as possible along with being mindful of your own health. These covered services may consist of flu shots, immunizations, annual physicals, certain tests, and screenings.
Health Reimbursement Arrangement (HRA)
The HRA helps pay for a portion of your out-of-pocket medical costs
A Health Reimbursement Arrangement (HRA) is an employer-funded benefit that you can use for eligible expenses related to your medical deductible. Chefs' will fund $2,750 (employee-only) and $5,500 (all other coverage tiers).
It's important to note, the HRA funds will not be accessed through a card. These funds will automatically be deducted from your account as you utilize your Kaiser health plan.
These funds are available at the beginning of the plan year and they are employer-owned. Unspent funds will not roll over into the next plan year.
To learn more about the HRA, click below
Please note, if you were previously enrolled in an HSA Plan and choose to enroll in the Kaiser HRA plan for 10/1/2024, you may not continue to make or receive new HSA contributions. However, you may continue to use existing HSA funds to pay for eligible medical expenses of yourself, your spouse, or your tax dependents that are not reimbursed by the Kaiser/HRA plan.
How to Use HRA Funds
Present your Kaiser ID Card,
Complete your visit with provider
Provider will submit claim for processing visit
Kaiser will adjust the claim and prepare the EOB (Explanation of Benefits)
You will receive an EOB in the mail.
Kaiser will automatically pay the eligible claim from your HRA on the backend. Once HRA funds are exhausted, you will be responsible for any applicable amount towards the deductible.
