Medical/Rx Plan Overview

Otto Candies Provides:

• A comprehensive medical/prescription drug plan for you and your eligible dependents.
• Premium contributions for the plan are deducted via payroll on a pre-tax basis.

Plan Benefit In-Network Out-of-Network
Deductible (Individual/Family) $250/$750 $500/$1,500
Out of Pocket Expense $2,000/$6,000 $4,000/$12,000
Physician's Copay PCP $15 60% after
Specialist $30 Deductible
Inpatient Hospital 80% after 60% after
Deductible Deductible
plus $200 per plus $200 per
confinement copay confinement copay
ER Treatment $100 copay $100 copay
Annual Maximum $2,000,000 $2,000,000
Prescription Drugs Generic $10
Brand w/no generic available $50
Brand w/generic available $10 + cost difference for brand
***This is not a complete list of services.


Life/AD&D Plan Overview

Otto Candies Provides:

  • Basic life insurance for you, your spouse and your dependent children at no cost to you
  • Basic Accidental death and dismemberment insurance for you at no cost to you
  • The option of buying additional insurance for you and your family


Basic Life Insurance

  • Life insurance for you - $50,000
  • Accidental Death and Dismemberment Insurance for you - $50,000
  • Spouse - $12,500
  • Each dependent child - $5,000


What is evidence of insurability?

Evidence of insurability is a medical questionnaire provided by the carrier to assess if you are insurable for higher levels of life insurance over the guaranteed issue amount.  You are also required to complete an Evidence of Insurability form if you enroll outside of your initial new hire eligibility period.


Supplemental Life Insurance

If you want additional financial protection for you and your family, you can purchase:

Benefit New Hire Guarantee
Issue Amount
Maximum Benefit Amount
Supplemental Life Insurance for you $200,000 $500,000
Supplemental Life Insurance for
your spouse
$20,000 $100,000 (cannot exceed 50% of employee amount)
Supplemental Life Insurance for each
dependent child
$10,000 $10,000


What is Accidental Death & Dismemberment (AD&D) Insurance?

Accidental Death & Dismemberment Insurance is similar to regular life insurance. If you die in an accident (for example: an automobile accident), your beneficiary will receive the amount of your AD&D coverage in addition to your life insurance benefit. Insurance also pays a benefit if you are seriously injured in an accident. Part of your benefit may be paid to you if you lose a limb (like your arm) or the ability to see, hear, talk or become physically disabled (for example: if you are paraplegic).