Health
Healthy For Life
Our well-established relationship with Wellmark/BlueCross BlueShield provides a competitive nationwide PPO, along with a dedicated Point of Service plan for Iowa, enabling coverage for all of your employees, no matter where they live. We are committed to providing inclusive, comprehensive benefit offerings for your cooperative team.
Healthcare Coverage Options
- Medical
- Dental
- Vision
- Life and Disability Services
- Employee Assistance Programs
- Flexible Spending Accounts
Cooperative Health Plan
ABC sponsors the Cooperative Health plan, bundling more than 20 cooperatives and over 4,000 employees under a multiple-employer welfare agreement. This arrangement provides size and scale to help offset large claims costs for participating employers, along with reducing fixed costs.
As an independent health consultant for the plan, Lockton manages the plan mechanics, offering strategies that have resulted in long-term renewal averages below market average.
Medical Insurance
ABC partners with Wellmark/BlueCross BlueShield of Iowa to provide comprehensive medical coverage for cooperative employees, including a dedicated Iowa Point of Service plan for local cooperatives.
Dental Insurance
ABC partners with Delta Dental to offer an extensive network of oral care providers. From routine cleaning and maintenance to covering complex dental treatments, dental insurance is a valuable benefit for employees, administered at low cost to you through ABC.
Vision Insurance
ABC offers trusted vision insurance through VSP Vision Care. Along with cooperatives receiving competitive rates through ABC, employees can access VSP’s range of additional member benefits and savings.
Life & Disability Insurance
ABC helps cooperative employees prepare for life’s unexpected challenges with life and disability insurance offered through The Standard. Customize a plan that fits your employees’ needs with ABC.
Employee Assistance Programs
Employee assistance programs are designed to support employees through a wide range of personal and professional challenges. ABC offers confidential EAPs through Connections. Depending on the program, services may include mental health support, short-term counseling, crisis assistance, substance use resources, financial guidance, legal assistance, caregiving support and help navigating everyday life challenges.
Flexible Spending Accounts
ABC also offers flexible spending accounts through our Section 125 Cafeteria Plan. This option allows employees to utilize tax-free contributions to pay for their out-of-pocket medical, dental, vision and dependent care expenses.
Employee contributions directed to a Section 125 Cafeteria Plan are exempt from federal, state and FICA taxes. This is not only a savings to the employee, but in addition, the employer will save their portion of the FICA taxes.
Each employee may establish contribution levels to meet their own specific needs. As the employee incurs eligible expenses throughout the year, they submit proof of those expenses to UMB. The redirected dollars are then reimbursed directly to the participants.
Employees may direct contributions to three separate accounts:
- Required employee insurance premiums
- Out-of-pocket employee insurance premiums
- Dependent child care expenses
Get Started
ABC’s dedicated Health & Welfare Benefits Team is available for any questions. Our experienced on-site customer service staff has more than 40 years of combined service, and they are committed to answering your calls quickly and professionally.
Supporting Partners
