HHC-Employee Benefits Guide 2026-2027

Employee Benefits Guide 2026
Stitch PEO is pleased to present this benefits guide exclusively for Hope & Healing Cancer Services employees and their families. Coverage is effective December 1, 2026. This package helps you prepare for planned and unplanned life events — including medical (Aetna), dental, vision, voluntary life, short- and long-term disability, accident, critical illness, hospital indemnity, pet, legal, identity protection, Farmers auto & home, telehealth, 401(k), HSA and FSA.
Note: some of these benefits are new from January 1, 2027.
Be sure to also avail of certain exclusive free benefits including Prescription Discounts and Employee Perks & Rewards.
Contact Benefits Team
benefits@stitchpeo.com
What's Inside
1. Eligibility for Benefits
2. Enrollment Windows & Life Events
3. Telehealth Medicine — Doctegrity
4. Aetna Medical Plans
5. MetLife Dental Coverage
6. MetLife Vision Coverage
7. Short-Term & Long-Term Disability
8. MetLife Accident Insurance
9. Critical Illness Insurance
10. MetLife Hospital Indemnity
11. Voluntary Life Insurance
12. MetLife Pet Insurance
13. MetLife Legal Plan
14. Identity Protection (Aura) & Life360
15. Farmers Home & Auto Insurance
16. Member Deals & Exclusive Discounts
17. CompareMedsRx — Prescriptions
18. Know Your Benefits
19. 401(k), HSA & FSA
20. Medical Contributions
21. Dental, Vision & Other Contributions
22. Enrollment Checklist
23. Questions & Contact
Are You Eligible for Benefits?
Benefits are available to Full-Time employees. Part-Time employee eligibility is to be confirmed. Coverage is effective December 1, 2026. For new hires, coverage begins on the first of the month following date of hire (no waiting period).
Dental, Doctegrity telehealth and Overalls LifeConcierge are employer-paid; medical is employer-subsidized (50% of the employee-only premium); all other voluntary benefits are employee-paid.
Legal Spouse
Your IRS-recognized legal spouse
Children (to Age 26)
Natural, legally adopted, or disabled dependent children
QMCSO Dependents
Children covered under a Qualified Medical Child Support Order
Please email benefits@stitchpeo.com for additional eligibility information. Certain limitations apply.
When Can I Enroll or Make Changes?
Enrollment Windows
Eligible employees enroll online through the Stitch benefits enrollment portal. Initial coverage is effective December 1, 2026.
New hires can enroll during their New Hire enrollment period; coverage begins the first of the month following date of hire. Employees can also make elections during Open Enrollment. You may change plans or add/drop coverage. Changes made during open enrollment remain in effect until the following open enrollment period.
Qualifying Life Events
You have 31 days from the date of a life event to submit an enrollment change request and documentation to benefits@stitchpeo.com. Otherwise, wait until the next annual open enrollment.
Carrier contacts: MetLife 1-800-GET-MET8 (dental, vision, voluntary benefits) · Medical is through Aetna — questions to benefits@stitchpeo.com
Loss of Coverage
Got Married
Had a Baby
Turned 26
Moved to a New State
Telehealth Medicine — Doctegrity
Doctegrity connects you with Board-Certified doctors and licensed Mental Health Therapists providing consultations over the phone or through video chat — 24/7/365, nationwide. No insurance needed. Available to all employees and their whole families with no co-pays or surprise bills.
eHealthcare
Speak to a Board-Certified Physician via video or phone and get a prescription if needed
Pharmacy Discount
Save up to 80% on prescriptions — even pet medication! Up to 80% off lab tests, no doctor order needed
Mental Health Therapy
Talk or text a licensed therapist 24/7/365. True short-term therapy with 100% follow-ups with the same therapist
Beyond Healthcare
Financial consultations, attorney consultations, medical bill help, and medical diagnosis support
Cost: Employer pays 100% for the employee. Not applicable to dependents.
Call: 877.342.5152 | Email: Hello@doctegrity.com | Web: www.Doctegrity.com
Also included — Overalls LifeConcierge
Employer pays 100% for the employee.
Medical Benefits
Aetna Medical Plans
Medical coverage is through Aetna Funding Advantage using the IL Savings Plus network. Choose from three plans. Click a plan name in the table header to open its full Summary of Benefits and Coverage (SBC).
Employer pays 50% of the employee-only premium on the plan you choose (any of the three Aetna plans). You pay the other 50%. Employees pay the full added cost of covering a spouse or children — the employer pays 0% toward dependents.
Aetna Funding Advantage rates are level-funded composite rates; final rates depend on final enrollment. This summary is for planning purposes; plan documents govern coverage. Source: Stitch PEO Benefits Summary v3. Coverage effective December 1, 2026.
Dental Benefits
MetLife Dental PPO Coverage
Hope & Healing Cancer Services is pleased to offer the MetLife Dental PPO plan, effective December 1, 2026. Everyone should have access to great dental coverage. Poor oral health has been linked to diabetes, heart disease, and strokes — making regular dental visits essential, not optional.
Preventive Services — 100%
Oral exams (once/6 months), cleanings, x-rays, fluoride treatment, space maintainers, sealants
Basic Services — 80%
Fillings, periodontal services, scaling & root planing, simple extractions, root canals, general anesthesia
Major Services — 50%
Bridges & dentures, single crowns, complex extractions, implants, inlays & veneers
Orthodontia
$1,000 lifetime maximum | Annual maximum: $1,000 | Lifetime deductible: $100 individual / 3x family
Contribution: The employer pays 100% of the employee premium and 100% of the dependent premium.
Out-of-network reimbursed at UCR 90th percentile. Dependent age limit: 19 (end of month).
Vision Benefits
MetLife Vision Coverage
Vision insurance helps protect the health of your eyes by providing benefits often not covered by medical insurance. Coverage renews every 12 months for exams, lenses, and contacts — and every 24 months for frames.
Contributions (MetLife Vision, VSP Network)
This plan is 100% employee-paid and voluntary.
EE+SP = Employee + Spouse · EE+CH = Employee + Child(ren) · FAM = Family
Disability Benefits
Short-Term & Long-Term Disability
If you rely on your income to pay everyday expenses, disability insurance is essential. Accidents and illness happen unexpectedly — disability coverage ensures you receive partial income if you're too sick or injured to work. Many disabilities are caused by common conditions like heart disease and arthritis, and are not covered by workers' compensation. Hope & Healing Cancer Services and its affiliates offers these voluntary, employee-paid plans through MetLife, effective December 1, 2026.
Short-Term Disability — MetLife
Voluntary — 100% employee paid (employee and dependents)
Coverage: Up to 60% of salary, max $1,500/week
Maximum benefit period: 13 weeks
Benefits begin: Day 8 of disability
Premium waived while receiving benefits
Long-Term Disability — MetLife
Voluntary — 100% employee paid (employee and dependents)
Coverage: 60% of salary, max $8,000/month
Maximum benefit period: Social Security Retirement Age
Benefits begin: Day 90 or end of STD maximum benefit period
Pre-existing condition limitation: 3/12
Accident Insurance
MetLife Accident Insurance
Hope & Healing Cancer Services offers voluntary accident insurance, 100% employee-paid and available for employees and dependents. Accident insurance pays cash benefits directly to you, regardless of other coverage you have. Coverage is effective December 1, 2026.
Two Plans Available
Choose the Low Plan or the High Plan. Pays quickly when you report your first covered claim. Coverage is available for employees and dependents. Rates are determined at enrollment in the Stitch portal.
Sports Package
Benefits increase 25% for injuries resulting from participating in organized sports. Some exclusions apply.
Benefit Features
Guaranteed issue, no health questions. No pre-existing condition exclusions. Portable — keep coverage if you change employers.
Critical Illness
Critical Illness Insurance — Protection When You Need It Most
Heart attacks, cancer, and strokes happen every day — often unexpectedly. Your health insurance may cover some costs, but not everything. Critical illness insurance closes the financial gap and helps you manage expenses when it matters most.
40s
Heart Attack Frequency
Someone has a heart attack every 40 seconds in the U.S.
$10K+
Cancer Out-of-Pocket
Annual out-of-pocket costs for 60% of cancer patients exceed $10,000
60%
Americans Unprepared
60% of Americans can't cover an unexpected $1,000 expense
MetLife Critical Illness coverage for Hope & Healing Cancer Services and its affiliates is voluntary and 100% employee-paid (employee and dependents). Two plans are available: a Low Plan and a High Plan. Coverage is effective December 1, 2026. For specific coverage limits and premium details, please refer to the plan summary document or the Stitch portal.
Hospital Indemnity
MetLife Hospital Indemnity Benefits
Hope & Healing Cancer Services offers MetLife Hospital Indemnity coverage through a Low Plan and a High Plan. Hospital Cash pays benefits directly to you, regardless of other coverage. If your medical plan has a high deductible, this cash can help cover costs — especially with the average hospital stay lasting 4.6 days and costing $13,000.
This voluntary plan is 100% employee-paid and available to employees and their dependents. Coverage is effective December 1, 2026. For benefit amounts and plan details, please refer to the plan summary or the Stitch portal.
Guaranteed Issue
Active employees age 18+, spouses/partners age 18+, and children through age 26 are eligible. No medical history required.
Renewable & Portable
Coverage renews automatically while you're an eligible employee. Keep your coverage even if you change jobs or retire.
No Pre-Existing Exclusions
There are no pre-existing condition exclusions — coverage applies from day one.
Voluntary Life
Voluntary Life Insurance
Voluntary Life — MetLife Supplemental Life
Voluntary and 100% employee-paid
Available to employee and dependents
Premiums determined at enrollment
Coverage effective December 1, 2026
Portable — take coverage with you if you leave employment (restrictions apply)
Most families need 6–10 times their income in coverage to maintain their current lifestyle. Life insurance can cover mortgage payments, legal or medical fees, childcare, tuition, and outstanding debts.
Pet Insurance
MetLife Pet Insurance
Pets are family, and vet bills can be emotionally and financially stressful. MetLife Pet Insurance offers award-winning coverage with more flexibility than other carriers.
More Coverage & Value
Covers previously covered pre-existing conditions when switching providers. Family plan covers up to 3 pets under one annual limit — savings up to 30%.
Choice & Flexibility
Wider range of deductible and reimbursement options. Optional Preventive Care Coverage for vaccines, heartworm, flea medications, and teeth cleanings.
Simplified Service
Easy-to-use mobile app to submit and track claims. Most claims processed within 5 days. Knowledgeable pet advocates available to assist.
This is 100% voluntary and employee-paid. Coverage is priced per pet and quoted per pet, with premiums paid by payroll deduction. Coverage applies to enrolled pets only.
20
Years of Experience
75
Relationship NPS Score
80%
Claims Processed in 5 Days
New for 2027 · Legal Plan
MetLife Legal Plan — An Attorney in Your Corner
Starting January 1, 2027, the MetLife Legal Plan is available to you. Unlike other benefits, the more you use a legal plan, the more you benefit. Get help with life's planned and unplanned events — from wills and home purchases to identity theft and debt — with no copays, deductibles or claim forms when you use a network attorney for a covered matter.
$20
per month, employee-paid
100% voluntary. Covers you, your spouse and dependents at no additional cost
18,000+
Network attorneys nationwide
15 min
To create a will online
1,700+
Self-help legal documents
Family Life
Wills, trusts, adoption, guardianship, prenuptial agreements
Home & Assets
Buying or selling a home, refinancing, foreclosure, tenant matters
Money Matters
Debt collection defense, identity theft defense, bankruptcy, tax audit help
Protection
Traffic tickets, small claims, civil lawsuits, document review
Unlimited consultations on legal matters — covered or not
Trials covered from start to finish with a network attorney
Choose a network attorney or use your own (reimbursed per fee schedule)
4 extra hours of attorney time per year on non-covered matters
Questions? MetLife Legal Plans Client Service Center: 800-821-6400 · clientinquiry@legalplans.com. Exclusions apply, including employment-related matters; some services not available in all states.
New for 2027
Identity Protection with Aura — Plus Life360 for Your Family
Family safety for the online world and the real world. Starting January 1, 2027, MetLife + Aura Identity & Fraud Protection keeps you and your family protected online — and families can add Life360 to stay connected offline. This is a new, voluntary benefit paid by the employee.
Individual
$6.95
per month
Aura identity, credit & fraud protection
Family + Life360
$14.95
per month
Aura protection + Life360 family safety
Aura — Online Protection
Identity, credit & financial protection
Scam & cybercrime prevention
Reduce spam calls & texts
Child & family digital safety tools
Life360 — Real-World Safety
Location sharing
Crash detection & 24/7 emergency dispatch
Driver reports
Roadside assistance
4.7
Aura on the Apple App Store
4.8
Life360 on the Apple App Store
Life360 memberships through this benefit are premium memberships: no ads, and your data is not sold or used for advertising.
Aura is a product of Aura Sub, LLC. Life360 is a product of Life360, Inc., distributed by Aura. Neither is affiliated with MetLife; their services are separate and apart from any MetLife product.
Home & Auto InsuranceNew January 1, 2027
Farmers GroupSelect® Auto & Home — Save Where It Matters
Farmers GroupSelect Auto & Home is new from January 1, 2027. It is a voluntary, employee-paid program with premiums deducted through payroll. Premiums are quoted individually, and household policies are quoted individually.
30%
Savings of up to 30% on auto insurance for employees
21%
Savings of up to 21% on home insurance for employees
Easy Payroll Deduction
No down payment; premiums deducted automatically from your paycheck; extra discount up to 10% auto / 5% home
Policies for Every Need
Auto, Home, Renter's, Condo, Bundled packages, RV, Boat, Landlord's Rental Dwelling, Personal Excess Liability, Flood and more
Coverage You Can Count On
Replacement cost for total loss on a new car, home replacement cost coverage, replacement cost for special parts, and $50 per year claim-free driving reward
Extras at No Added Cost
Roadside assistance, identity theft protection services, guaranteed repair networks and 24/7 access to claim professionals
More ways to save: automatic payment and multi-policy discounts. Get a quote through a local agent, call center, online or the mobile app — year-round.
*Savings figures are based on average nationwide annual savings of new Farmers GroupSelect customers surveyed 1/1/24–8/31/25 who switched home and auto policies and realized savings. Coverage, discounts and features vary by state and policy; not available in all states. Home insurance is not part of the Farmers GroupSelect offering in FL or CA. The policy prevails in the event of a conflict.
Perks & Programs
Member Deals — Exclusive Discounts
As a Stitch PEO member, you have access to MemberDeals — exclusive discounts, special offers, and preferred seating for top attractions, theme parks, sporting events, movies, hotels, and much more.
Travel
Hotels, rental cars, flights, and vacation packages
Theme Parks
Walt Disney World, Universal Orlando, Knott's Berry Farm, Legoland, and more
Sports & Events
NBA, NHL, NFL, college football, concerts, and major events with preferred access
More Savings
Ski resorts, movie tickets, shopping deals, shows, and CityPASS bundles
Need help booking? Call (877) 579-1201
Perks & Programs
CompareMedsRx — Prescriptions at Better Prices
All Stitch PEO clients have full access to CompareMedsRx, a comprehensive online platform designed to help you easily compare prescription medication prices across different pharmacies — empowering you to make informed decisions and find the most cost-effective options for your healthcare needs.
Compare Prices Instantly
Search and compare medication costs across pharmacies in your area to find the best deal available to you.
Maximize Your Savings
Identify the most cost-effective options for your prescriptions and reduce your out-of-pocket healthcare spending.
Included for All Clients
This invaluable resource is available to all Stitch PEO clients at no additional cost as part of your benefits package.
Savings & Retirement
401(k), HSA & FSA
Stitch 401(k) (MEP)
Stitch 401(k) multiple employer plan, administered with Daybright Financial. Employee pre-tax deferrals; employer match up to 3.5% of wages (conditions apply).
Health Savings Account (HSA)
through TASC. Employee pre-tax contributions. Available to employees enrolled in the Aetna 5000 HSA or 6500 HSA plan.
Flexible Spending Account (FSA)
Health FSA through TASC. Employee pre-tax contributions; no employer contribution.
Not applicable to dependents. Plan documents govern; HSA and FSA eligible-expense lists are available from TASC.
Contributions
Medical Contributions
Medical contributions are the same for all three Aetna plans. Aetna Funding Advantage rates are level-funded composite rates; final rates depend on final enrollment. Your specific rates will be visible in the Stitch Benefits Enrollment portal.
Employer pays 50% of the employee-only premium on the plan you choose (any of the three Aetna plans). Employee pays the remaining 50%. Employee pays the full added cost of covering a spouse or children — the employer pays 0% toward dependents.
AFA IL Savings Plus CPOSII 2500 80/50
Employer pays 50% of the employee-only premium.
AFA IL Savings Plus CPOSII 5000 HSA 80/50 (NEW)
Employer pays 50% of the employee-only premium.
HSA-eligible — pair with a TASC Health Savings Account.
AFA IL Savings Plus CPOSII 6500 HSA 70/50
Employer pays 50% of the employee-only premium.
HSA-eligible — pair with a TASC Health Savings Account.

Tier key: EE = Employee Only | ES = Employee + Spouse | EC = Employee + Child(ren) | FAM = Family
Contributions
Dental, Vision & Other Benefit Contributions
EE+SP = Employee + Spouse · EE+CH = Employee + Child(ren) · FAM = Family. Amounts are per employee per month.
Your Benefits Enrollment Checklist
Complete your enrollment on time in the Stitch benefits enrollment portal — coverage is effective December 1, 2026, and new hires are covered the first of the month following date of hire. For questions, contact benefits@stitchpeo.com.
Questions? We're Here to Help.
This plan overview is a brief description of available benefits. Please refer to the full plan documents or contact your Benefits Administrator for complete descriptions and information.
Benefits Questions
benefits@stitchpeo.com
Basic Life (Guardian): contact the Benefits Team
Telehealth — Doctegrity
877.342.5152
Hello@doctegrity.com
www.Doctegrity.com
MetLife (Dental, Vision & Voluntary Benefits)
1-800-GET-MET8
(1-800-438-6388)
Member Deals Booking
(877) 579-1201
Benefits are a big part of your total compensation. Make the elections that fit your personal and family needs — and get the maximum value from your Hope & Healing Cancer Services and its affiliates benefits package, administered by Stitch PEO.
Contact Benefits Team
Access Telehealth