Medical and Prescription Drugs

DeVal Lifecycle
Medical Benefits at a Glance — Effective 1/1/2026 (Production & Non-Production)

Healthcare costs continue to soar; however, we are pleased to announce there will be no benefit changes or reductions. After 6 years of no payroll deduction increases, this year there will be a modest change. DeVal Lifecycle continues to pay the bulk of the premium costs and increases. We are proud of our extensive array of benefits and offerings.

Employer Contribution:

• The Company contributes approximately 85% of the cost of a single plan, and 50% toward the cost of dependent coverage (family, employee/spouse, and employee/child(ren)).
• The Company contributes $500 in January for each employee that selects the high-deductible Bronze option that includes the HSA.
• If you waive medical coverage for you and your family, you will receive a $100/month Medical Plan Opt-Out reimbursement.

Medical Coverage at a Glance:

• Independence Blue Cross offers an extensive provider network in NJ and PA.
• There are plan options with and without a referral requirement.
• Choose from the Gold, Silver, or Bronze options. Choose what is best for you and your family—lower copays at the doctor’s office or a lower payroll deduction.

Plan Options:

• Gold Plan (Personal Choice PPO):
  • No deductible, no referrals, out-of-network benefits included
  • PPO BlueCard National network access
  • Prescription card benefit
  • Highest payroll cost
• Silver Plan (Keystone POS):
  • Deductible for some expenses, copays for more routine care
  • Referrals required, no out-of-network benefits (regional network access)
  • Prescription card benefit
  • Moderate payroll cost
• Bronze Plan (Personal Choice PPO w/ HSA):
  • High Deductible Health Plan (HDHP). Deductible applies to all expenses except preventive care
  • No referrals, out-of-network benefits included
  • PPO BlueCard National network access
  • Prescription covered after the deductible
  • Health Savings Account (HSA) eligible—Company provides $500 in HSA dollars
  • Most economical payroll cost

Health Savings Account (HSA):

• The Company will contribute $500 for each employee electing the Bronze Plan/HSA.
• 2026 Maximum Annual HSA Pre-Tax Contribution Limits:
  • $4,400 Employee-only coverage
  • $8,750 Employee + Dependents (Includes employer contribution)
  • If over age 55, an additional $1,000 catch-up contribution is allowed
  • Combined employer and employee voluntary HSA contributions cannot exceed the annual allowed IRS maximum limit.