This video provides an overview of benefits available to you in 2022.
Summary page for new changes in benefits for 2022.
PDF version of the video presentation.
Use this form to enroll in our wellness incentive program and earn $50!
A comprehensive, all-in-one guide to your 2022 benefits.
Overview of HSA benefits to help maximize your savings account.
Learn more about frequently asked questions reguarding the HSA.
Learn how to manage your account, deposit funds, and pay for healthcare expenses.
A summary of common expenses claimed against HSA.
A brief description on how the HSA works.
A summary of company-paid employee assistance program benefits.
Learn more about the tools available on Wellspring EAP's website.
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Username: Oak Harbor Freight Lines
This document gives detailed information about how the FSA plan works.
Use this form to compare FSA and HSA benefits.
Learn about our 401k plan.
Why a flat amount instead of included in the RGA employee contribution percentage?
When the company stepped back and looked at how we could change the plan. We could have just upped the costs for everyone. As example, we up the percent to 6% for everyone and no spousal surcharge. That would leave a one income family paying 6% for the coverage, just the same as a dual income family where the spouse has the option to get insurance at their own company but chooses to use Oak Harbor’s insurance.
When will the waiver be sent out to waive the surcharge?
The waiver will be online and can be completed during open enrollment.
The waiver can also be submitted any time, but the employee won’t be paid back for surcharges paid before the waiver is submitted.
Spouse does not work and is on my plan, how much do I pay?
There is no surcharge paid since the spouse doesn’t have a plan. You will only pay the additional percentage based on the plan selected.
If my spouse finds employment how does Oak Harbor track that?
We have no way of tracking that, we will rely on the honor system and employees being honest about their spouse’s employment and when a surcharge should be paid.
Can the spousal surcharge be split between the two pay periods each month?
The decision to deduct on the first pay period was because all of the Unum deductions come out on the 2nd paycheck.
Are there arrears if you are on leave?
If you are on FMLA, you are not required to pay the surcharge. If you are not on FMLA and miss a payment, arrears will calculate and will be deducted from future checks upon return to work.
What if it’s more expensive for my spouse to get insurance through their work?
The employee would still be charged $200 each month as long as their Spouse has other coverage available and they are on the OHFL plan.
If employee’s spouse is on federal medical and requires dual coverage, can it be waived?
Yes, it can be waived because the Spouse is not employed.
Surcharge comes out of 1st, and the health care % is split between the two plans?
Yes, the current way we take money out for health care stays the same, the spousal surcharge will come out of the first check because UNUM comes out on the second and that would be a big hit on paychecks for some employees to have it on both.
If my spouse works, but only part time, can I waive the surcharge?
Yes, if your spouse is not eligible for group coverage as a part time employee, you can waive the surcharge on your plan.
Dependents, do they need to show proof of student for life insurance?
Not unless the policy needs to be used and asked for by Unum.
Also, children over the age of 19 and under 26 that are not students and not eligible are not automatically dropped from your plan, this must be done by the EE.
If my child is enrolled in college and is under 26 yrs. old, are they still covered under Unum and if transitioning to graduate school in the fall?
Yes, as long as the child is enrolled in school, they will be covered.
Will the HSA roll over?
Yes, it rolls over each year….different than the FSA that does not.
HSA is Pre-Tax?
Can HSA help cover deductibles?
Is there a limit on HSA contributions?
The 2022 HSA limits are $3,650 for individual coverage and $7,300 for family coverage. This must consider the OHFL contributions of $800 and $1600. So, the total an employee can contribute would be $2,880 for individual and $5,700 for family. Individuals over age 55 can contribute an additional $1,000.
Can you explain HSA?
You can only enroll if on the QHDHP plan #3. The HSA account is opened for the employee automatically so Oak Harbor can contribute their portion. The Employee can use it to help pay for the deductible, or other medical expenses. Employees can also contribute if they want. We have additional information that will be on the benefits website by Nov. 1.
If I am on HSA can I also contribute to FSA?
Yes, FSA has a Limited Purpose Account you can sign up for.
There are 3 different FSAs and the limited is the only one that works with the HSA.
Will it be the same Blue Cross Blue Shield/RGA plan?
Yes! Everything but Elixir mail order is staying the same
What are the benefits of a higher deductible plan?
Employees without a lot of medical expenses/do not foresee lots of medical expenses in the coming year; or do not have daycare expenses may be a better fit for this plan.
If my child is enrolled in college and is under 26 yrs. old, are they still covered under RGA, if transitioning to graduate school in the fall?
Yes, as long as the child is enrolled in school, they will be covered. All Children under 26 are covered on RGA regardless of student status.
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Our Mission at Oak Harbor Freight Lines is to be the premier transportation services company. We are committed to providing timely, accurate and reliable service, remaining profitable to ensure stability, being recognized for integrity, and generating complete internal and external customer loyalty.
We believe our services change the world. We also believe that if we take care of our people they will take care of our customers. Employees empowered to take care of the customer and doing work that is meaningful is what moves us forward.
Please use the form provided or the contact information below. We strive to answer all emails within 24 hours of receiving them.