Live Healthy

Thompson Thrift’s medical plans are designed with a focus on wellness, preventive care and choice. Members now have the opportunity to choose from three medical plan options: The Anthem Traditional PPO Plan and two High Deductible Health Plans (HDHP)/Health Savings Accounts (HSA).

All plans are administered by Anthem and Prescription coverage administered by IngenioRX.

With the Sydney app, you can find everything you need to know about your Anthem benefit—personalized and all in one place. Sydney makes it easier to get things done, so you can spend more time focused on your health. With just one click, you can find care and check costs, check all benefits, see claims, get answers even faster with the chatbot, and view and use digital ID cards.

LiveHealth Online gives you 24/7/365 access to U.S. board-certified doctors through the convenience of phone or video consults. It’s an affordable alternative to costly Urgent Care and ER visits when you need care now.

SmartShopper saves you money on routine medical procedures, exams, and lab work such as colonoscopies and mammograms. Prices can vary dramatically for the same in-network, high-quality procedure. That’s where SmartShopper comes in.

EAP assists team members and their eligible dependents with personal or job-related concerns including emotional wellbeing, family and relationships, legal and financial matters, healthy lifestyles, work and life transitions.

Unlimited telephone access 24/7. Assists with childcare and elder care resources, tutoring services, special needs resources, nanny search, childcare, mental health resources, financial services, will preparation and more. Call 800-386-7055 for more information.

If you’re enrolling in our High Deductible Health Plan (HDHP), you are eligible to open a Health Savings Account (HSA) to pay for expenses on a pre-tax basis, such as eligible medical, dental and/or vision expenses.

• Must be enrolled in the HDHP Plan.
• Get free money from Thompson Thrift: The company will match up to $30 per pay with an annual maximum employer contribution of $780 for Health Savings Accounts setup through HSA.umb.com.
• It’s flexible: Use your HSA in 2023 or save it for later. You decide when to save and when to spend. You can even save for health care expenses after you retire.
• No use it or lose it rule: The money in your HSA belongs to you. It rolls over each year, and you can take it with you if you ever leave the company.
• Triple tax-advantaged: Applies to federal and most state taxes.

Flexible Spending Accounts (FSAs) allow you to set aside money from your paycheck to pay Health Care and Dependent Care expenses with tax-free dollars. When you contribute to FSAs, your pre-tax contributions reduce your taxable income. Thompson Thrift offers a flexible spending account (FSA) through BRi. (Note: If you are covered by a High Deductible Health Plan, you are not eligible to contribute to a General Purpose FSA account.)

• Save money: Allows you to put aside money tax-free that can be used for qualified medical expenses.
• Tax-saver: Since your taxable income is decreased by your contributions, you’ll pay less in taxes.
• Use it of lose it: You can carry over $500 to the next year. The rest is forfeited.
• Flexible: You can use your healthcare FSA funds at any time, even if its the beginning of the year. For the dependent care FSA, funds must be deposited before you can use them.

Thompson Thrift offers dental coverage through Delta Dental. You can choose to elect or decline coverage for you and your family.

You and your dependents have access to vision coverage through Guardian—VSP Network Signature Plan. You can choose to elect or decline coverage for you and your family.

Thompson Thrift provides each Team Member with $50,000 of basic life insurance coverage at no cost to you. Benefits do reduce starting at age 65.

You may also elect additional life insurance coverage for yourself and your family.

Thompson Thrift provides you the opportunity to purchase voluntary critical illness, hospital indemnity and accident insurance through Guardian. These benefits are designed to help Team Members offset the financial effects of a catastrophic illness or accident with a lump sum benefit paid directly to you to use as you wish.

You may choose to enroll your spouse and/or children for 50% of your election. There is a Guarantee Issue of $25,000 for Team Members and $12,500 for your Spouse.

Short-term disability (STD) provides income protection in the event you are unable to work for a short period of time due to a covered injury or illness. Thompson Thrift provides this coverage at no cost to benefit eligible team members.

Long-term disability (LTD) provides income protection in the event you are unable to work for an extended period of time due to a covered injury or illness. Thompson Thrift provides this coverage at no cost to benefit eligible team members.

Critical Illness Insurance pays a benefit if you are diagnosed with a serious illness covered by the plan. The benefit is paid to you and can be used to pay medical costs or living expenses such as child care or mortgage payments.

Helps cover the cost of emergency medical care, physical therapy and other unexpected expenses that result from accidental injury.

Hospital Indemnity Insurance pays a benefit if you are admitted to a hospital, whether or not these charges are covered by your medical plan. Benefit payments are sent directly to you and can be used for any purpose—from covering medical copays and deductibles to paying for everyday expenses such as the mortgage, groceries and utilities.

Save for retirement with pre- and post-tax offerings and a generous company match. Shepherd Financial offers advisory services, and answers retirement plan questions.