Met Express
Employee Benefits Website
SMBO Benefits Call Center
877-282-0808
Monday - Friday
7:00am - 5:00pm CST
Welcome to the Met Express, Inc. Employee Benefits Website
Hello and welcome to Met Express, Inc. We are excited to have you as part of our team, and thank you for choosing Met Express, Inc.
We are always working throughout the year with our benefit partners to ensure that we have the best overall benefit options in place for our employees and their families.
Thanks again for choosing Met Express, Inc. as your partner.
Important Notices
Medical Plan
The Medical Plan uses a Preferred Provider Organization (PPO) through Blue Cross Blue Shield.
Virtual Health - Healthcare from anywhere
Blueprint Portal - Accessing Your Benefits
Choice 1 - (PPO Plan)
Deductible
$1,000/per individual
$2,000/per family (2 members)
MDLIVE - $10 copay
2024 - Plan Choice 1 (PPO)
Choice 2 - (High Deductible Plan)
Deductible
$3,200/per individual
$6,000/per family (2 members)
MDLIVE - $10 copay
2024 - Plan Choice 2 (High Deductible)
www.blueadvantagearkansas.com/
*See plan summary for details.
Dental
Plan coverages and fees based off Usual and Customary Rates, or UCR.
Deductible
$50/per individual
$100/per family (2 members)
Services
Preventive Care - Covered at 100% UCR
All other Services - Covered at 80% UCR
Ortho - Covered at 80% up to limits
Maximums
Annual - $1,500/per person
Ortho - $1,000/lifetime maximum
Vision
VSP Choice Network
Benefit Highlights
$10 - Exam Copay
up to $60 - Prescription Glasses Copay
$150 - Frame Allowance - For a wide selection of frames. (One set 12 mos.)
$150 - Frame Allowance (One set 12 mos.)
$25 - Contact Lens Copay (must be medically necessary and in lieu of glasses.)
Other benefits are available. Refer to your plan summary for details.
• TruHearing Hearing Aid Discount Offer
Member Services
(800) 877-7195
Disability
The disability coverages made available
provide you an income when you are
totally disabled and under the care of a physician, due to a sickness or off the job injury, after meeting the plan’s waiting
period. Use these benefits to help pay for everyday bills, out of pocket medical
expenses, or anything else you may need.
Short-term Disability
• Drivers
• Office & Shop (Effective 01/01/2021)
Long-term Disability
• Evidence of Insurability (EOI)
MyLincolnPortal (MLP):
The Registration/Access code that
employees will use to register for
an account will be:
PAMT
Voluntary Life Insurance
Paid for by the employee through payroll deduction. (Premium based off employee's
age, and benefits reduce 50% at age 70.)
Employee Benefit
• 5x Annual salary ($300,000 maximum in
increments of $10,000.)
Spouse Benefit
• 50% of the employee coverage amount
($150,000 maximum in increments of
$5,000)
Child(ren)
• $500 - 14 days to 6 mos
• $10,000 - to age 19 (to age 25 if
unmarried, & a full-time student)
• Voluntary Life Insurance Plan Summary
• Evidence of Insurability (EOI)
MyLincolnPortal (MLP):
The Registration/Access code that
employees will use to register for
an account will be:
PAMT
Accident Income | Allstate
An accident can wreak havoc on your savings if you are not prepared. That’s why there’s accident insurance. It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly.
Accident insurance can pay you a lump sum benefit for on- or off-the-job accidental injuries, plus some medical benefits. Because accident insurance is supplemental, it works in addition to other insurance you may have. You can use the policy on its own or to fill a gap left by your other coverage.
Cancer Coverage | Allstate
No one likes to think about getting cancer. But it will still affect 1 in 2 men and 1 in 3 women. Cancer may not be preventable, but you can protect yourself from some of the costs. Cancer insurance can help you: Manage the high expenses of treatment; Preserve savings; Protect your family from financial hardship; Concentrate on getting well.
Our cancer insurance pays you benefits that can be used for non-medical cancer-related expenses that health insurance might not cover.
Universal Life | Allstate
Life insurance coverage is for the living; those left behind who must deal with final expenses, bills, mortgage, and expenses associated with day-to-day life. It can also help provide financial security during life-changing events that occur as you age and your needs change. Plus, fund value accumulation allows for loans and withdrawals when needed.
Our coverage is flexible; as the day-to-day needs of your family change, adjust your coverage to meet them.
IDShield | Identity Protection
360 Degree Protection
IDShield monitors your identity, credit, financial accounts, social media
accounts, and provides online privacy reputation management services.
Real-Time Alerts
If a threat is detected to your identity or credit you will receive an alert. You can view your alerts on the IDShield mobile app, member portal and receive them by email.
CDL Defender
CDL Legal is a national leader in traffic defense and has performed very well for our drivers by getting citations dismissed or reduced in court. We have also had several of our non-driver employees use the service with great success. CDL Legal utilizes a nationwide network of traffic defense attorneys and covers 100% of your attorney fees and has an industry-leading 95% success rate of keeping points off members’ drivers licenses.
In addition to legal coverage, you will gain access to the CDL Legal Member Perks discount program and to the 24/7 Roadside Assistance Network, discounts and much more!
401(k)
Met Express, Inc. offers a retirement plan as part of your benefits package. Here are the highlights:
Eligibility Requirements
Participation in the plan is open to employees who:
· Attained the age of 18.
· Completed 2 month(s) of service, as defined by the plan.
Other requirements may also have to be met, as described in the Summary Plan Description.
Upon meeting the participation requirements, you may join the plan monthly, as described in the Summary Plan Description.
If you have questions on this topic or other questions regarding the Aon PEP, log in to your account at AonPep.Voya.com, access the Voya Retire mobile app, or call the Aon PEP Retirement Service Center at 1-833-AON-9PEP (1-833-266-9737).
Aon PEP - Contribution Options
Pooled Employee Plan
• Understanding Your Contribution Options
• Financial Wellness and Education
Met Express | gotosmbo.com © | All rights reserved.
This information, including any summaries or videos, is for the use of our employees. These documents and videos contain only a partial description of the benefits, limitations, exclusions and other provisions of these plans mentioned. It is not a policy. It is a general overview only. It does not provide all the details of this coverage, including benefits, exclusions and policy limitations. In the event there are discrepancies between these documents and videos, the terms and conditions of the policy will govern.