INTRODUCTION
Allied Beverage Group strives to provide you and your family with a comprehensive and valuable benefits package. We want to make sure you’re getting the most out of our benefits – that’s why we’ve put together this Open Enrollment Guide. Open Enrollment begins on May 27, 2025 and runs through June 13, 2025 The benefits you choose during Open Enrollment will become effective on July 1, 2025.
This is an Active Enrollment. This means you MUST complete your enrollment in ABG Connect. If you do not log into ABG Connect and complete your enrollment, your benefits will NOT carry over into 2025. Please ensure to complete your enrollment by June 13, 2025.
BENEFITS OVERVIEW
MEDICAL You will continue to have three medical options to choose from. The plans will now be administered through Meritain Health. Meritain Health is owned by Aetna which means that your network of providers will remain the same. All members will receive new ID cards.
Like many organizations, Allied Beverage Group continues to feel the effects of rising healthcare costs, driven by inflation and increasing claims trends across the industry. Year after year, we’ve worked to manage these challenges carefully, striving to control costs while maintaining the strength and value of our benefits. ABG has made a strategic decision to transition vendor partners, update plan designs, and adjust employee contributions. These changes were made with care, balancing affordability, plan value, and long-term sustainability. We remain committed to supporting the health and well-being of our employees and are proud to continue offering benefits that remain in line with (or in many cases, exceed) industry benchmarks.
PRESCRIPTION DRUG Your Prescription Coverage will now be offered through SmithRx, the pharmacy benefit manager that works hand in hand with Meritain to provide seamless integration between your medical plan and prescription drug program. SmithRx specializes in finding cost savings solutions for members taking high-cost and specialty medications. This is a valuable benefit that will now be made available to you. Please visit the SmithRx page for more information on how SmithRx can help you save money on your prescriptions!
DENTAL Your dental coverage will continue to be offered through Aetna. Plan options and coverage will remain the same.
VISION Aetna will continue to administer the vision program. Plan design will remain the same.
SPENDING ACCOUNTS The Health Savings Account (HSA) and Flexible Spending Accounts (FSA) will continue to be administered by Sentinel Benefits.
LIFE AND DISABILITY The Life and Disability plans will continue to be administered by The Hartford.
VOLUNTARY BENEFITS The worksite benefits (i.e. Accident, Cancer, Hospital Indemnity, etc.) will continue be administered by Aetna. Allied will continue to offer Pet Insurance through Nationwide, Legal Insurance through Arag Legal, and a financial wellness program through Questis.
ENROLLMENT CONSIDERATIONS
Benefit elections you make during open enrollment will become effective on July 1, 2025. If you have questions about any of the benefits stated in this guide, please do not hesitate to reach out to Human Resources, or The Graham Company Service Line at 1-888-842-1488 or Graham-Benefits@MarshMMA.com. Open enrollment is the period each year when you can make changes to your benefits. This guide will outline benefit options that are available to you and your family.
WHO IS ELIGIBLE?
All non-union full-time employees and Merchandisers working 30 or more hours per week are eligible for health insurance, dental insurance, vision and the Flexible Spending Accounts (FSA).
The waiting period for Medical, Dental, Vision, Life and Disability is 1st of the month following 30 days.
The waiting period for Saving and Spending Accounts is 1st of the month following 30 days.
DEPENDENT COVERAGE
In addition to electing coverage for yourself, you can elect to cover your eligible dependents. Your eligible dependents include your legal spouse, and your dependent children. Please refer to your plan documents for a complete list of dependent eligibility rules. New enrollees will need to provide appropriate documentation (marriage certificate, birth certificate) for all dependents enrolled on the Allied Beverage Group plans.
EMPLOYEES EXPERIENCING A QUALIFIED CHANGE OF STATUS
Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next open enrollment period.
Qualifying events include:
- Marriage or Divorce
- Birth or adoption of a child
- Change in child’s dependent status
- Death of a spouse, child or other qualified dependent
- Change in employment status or a change in coverage under another employer-sponsored plan
- Entitlement to Medicare or Medicaid
For more information on how to enroll, visit the Enrollment Information page.
