Honey Benefits
🗓️ Schedule 1:1 with Justin
2027 Plan Year • Open Enrollment

GreatScapes of Virginia

Welcome to your comprehensive employee benefits guide. Explore your medical renewals, weekly payroll deductions, and supplemental coverage options below.

📅
Open Enrollment Window
November 4th – 18th
🚀
Effective Date
December 1st, 2026
⏱️
Waiting Period
1st of Month after 60 Days
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Payroll Frequency
Weekly (52 Pays / Year)
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Aetna Medical Plan Options

The company provides a monthly subsidy of $476.00/employee (75% of the 3500 HSA plan rate).

Baseline HSA Plan
Aetna Funding Advantage (AFA)

AFA OAAS 3500 50% HSA

$44.94
Employee Only (per week)
Total Premium: $670.74/mo
Employer Pays: -$476.00/mo (75%)
Net Employee Cost: $194.74/mo
  • Deductible: $3,500 Individual / $7,000 Family
  • Coinsurance: 50% after deductible
  • Out of Pocket Max: $7,500 / $15,000
  • Preventive Care: Covered at 100% ($0 copay)
  • HSA-Eligible: Triple tax-advantaged savings
Copay Buy-Up Plan
Aetna Funding Advantage (AFA)

AFA OAAS 1000 80%

$104.66
Employee Only (per week)
Total Premium: $929.54/mo
Employer Pays: -$476.00/mo (Fixed credit)
Net Employee Cost: $453.54/mo
  • Deductible: $1,000 Individual / $2,000 Family
  • Primary Care Visits: $25 Copay
  • Specialist Visits: $75 Copay
  • Emergency Room: $300 Copay + 20%
  • Out of Pocket Max: $5,000 / $10,000

In-Network Benefit Comparison

Benefit Feature AFA OAAS 3500 50% HSA AFA OAAS 1000 80%
Network & General Provisions
Network Type National Open Access National Open Access
Referrals Required No No
Preventive Care (Routine Wellness) $0 (Covered 100%) $0 (Covered 100%)
Doctor & Specialist Visits
Primary Care Office Visit $35 after deductible $25 Copay
Specialist Office Visit $75 after deductible $75 Copay
Urgent Care Center 50% after deductible $75 Copay
Hospitalization & Emergency Care
Annual Deductible (Ind / Fam) $3,500 / $7,000 $1,000 / $2,000
Embedded Deductible Yes Yes
Inpatient Hospital Stay 50% after deductible 20% after deductible
Outpatient Surgery / Hospital 50% after deductible 20% after deductible
Emergency Room (ER) 50% after deductible $300 Copay + 20% after deductible
Annual Out-of-Pocket Maximum $7,500 / $15,000 $5,000 / $10,000
Prescription Drugs (Rx)
Pharmacy Deductible Subject to Medical Deductible None
Tier 1 (Generic) $3 or $10 after deductible $3 or $10 Copay
Tier 2 (Preferred Brand) $50 after deductible $45 Copay
Tier 3 (Non-Preferred Brand) $100 after deductible $75 Copay
Tier 4 / Specialty 50% max $250/$500 after ded. 20% max $250 / 40% max $500
Medical Alternative Option

Sedera Health Share + Direct Primary Care

Looking for lower out-of-pocket payroll costs? Sedera offers a non-insurance medical cost sharing community combined with Direct Primary Care (DPC).

  • 85% Company Contribution: GreatScapes covers 85% for employees + 50% for dependents!
  • Typical Employee Cost: Around ~$50 / month (~$11.50 / week).
  • $1,000 IUA: Initial Unshareable Amount per medical incident (not an annual deductible).
  • Direct Primary Care (DPC): Enjoy $0 co-pays for routine doctor visits, telehealth, and chronic care.
▶ Watch the Sedera Video on Loom
▶
Loom Explainer Video
Hosted by Justin Thomas

Watch this 5-minute video walkthrough to see how Health Share & IUA work.

🦷

Ancillary & Voluntary Benefits

Target Non-Medical Effective Date: December 1st, 2026

Dental Coverage

Renaissance Dental: Employer pays 50% of Low PPO employee rate ($11.24/mo credit applied to any plan/tier elected).

Vision Coverage

Renaissance Vision: Employer pays 50% of employee-only rate. Full exams and eyewear allowances.

Basic Life & AD&D

OneAmerica: $10,000 term policy — 100% Employer-Paid for all eligible full-time team members.

Voluntary Supplemental Coverages (100% Employee-Paid)

Protect yourself and your family with pre-negotiated multi-year rate guarantees:

OneAmerica Voluntary Life, Short-Term Disability (STD) & Long-Term Disability (LTD)
Income protection that pays cash benefits if you cannot work due to illness, injury, or childbirth.
🔒 3-Year Rate Guarantee
Colonial Supplemental Protection
Employee-paid Accident, Hospital Indemnity, and Critical Illness with Cancer coverage.
🔒 5-Year Rate Guarantee
Voluntary UPC Pet Benefits & Norton LifeLock Protection
Comprehensive veterinary savings and premium identity theft / cyber security monitoring.
🔒 2-Year Rate Guarantee

Need Help Choosing? Meet with Justin

Open Enrollment assistance is provided by Honey Benefits. We are here to answer all your questions and help you pick the best coverage for your budget.

📱 SMS Text Assistance: You will receive notifications and can text real specialists back.
💻 Employee Navigator: Complete your enrollment online easily from your phone or computer.
🎥 Personal 1:1 Video Support: Book a private consultation directly on Justin's calendar.
Justin Thomas
Honey Benefits • Dedicated Broker
Book 1:1 Appointment