Hawaii Field - Bayada Benefits

Eligibility

Full-Time/Part-Time Caregivers & Clinicians:

You are eligible for BAYADA’s group medical/prescription drug/dental, and vision benefits on the first of the following month after working for 4 consecutive weeks with 20 or more hours each week. To maintain eligibility you must work 80 hours each month.

Dependent Eligibility

You may enroll your eligible dependents, including your legal spouse and your children up to age 26. Dependents must be enrolled in the same plans you choose for yourself, but tiers can vary between benefit offerings. For example, you may add your spouse to vision and not medical.

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The choices you make upon eligibility or during Open Enrollment remain in effect through the end of the plan year: December 31, 2025. Once you are enrolled, you must wait until the next open enrollment period to change your benefits or add/remove coverage for yourself or your dependents, unless you have a qualified life event as defined by the IRS.

A qualified life event is a change in circumstances that may allow you to enroll in benefits outside of open enrollment. Examples of a qualified life event include, but are not limited to, the following:

Marriage, divorce, legal separation, or annulment
Birth or adoption of a child
Gain/loss of other health insurance coverage
Dependent gaining/losing other health insurance coverage

The IRS mandates that changes to your coverage, due to a qualifying life event, must be made within 31 days of that life event. Proof of the qualifying life event is required (eg, marriage certificate, divorce decree, birth certificate, or loss of coverage letter). Note: Any change you make to your coverage must be consistent with the qualified life event.

You love what you do, but to take care of what’s important—at work and at home—you need to take care of you. We’re not a one-size-fits-all type of company. Neither are our benefits. That’s why we offer a range of benefits options designed to fit different budgets, lifestyles, and health needs. The importance of having health insurance should not be underestimated. A decline in your health status can mean a loss of earnings if you are not able to work, and it can also mean medical bills are piling up. Medical and prescription drug insurance may help you avoid or limit your medical costs, and contribute to a healthier lifestyle. BAYADA provides medical insurance through Horizon HMSA and Kaiser.

Who is Eligible?

You are eligible if you are a full-time field employee or if you are a part-time field employee who works more than 80 hours per month.

Plan Choices

BAYADA offers two Medical Plan choices: Kaiser (HMO) or HMSA (PPO). See below for some helpful tips when you’re choosing the Medical Plan for you:

Kaiser HMO

The Kaiser plan offers low copays for both a primary care physician office visit as well as a specialist office visit.

HMSA PPO

The HMSA PPO network offers discounted rates with groups of “in-network” medical providers.

Medical Plan Design – What You Pay

Hawaii Plan Summary Comparison 2025

This document is intended to merely highlight or summarize certain aspects of the employer’s benefit program(s). It is not a Summary Plan Description (SPD) or an official plan document. Your rights and obligations under the program(s) are set forth in the official plan documents. All statements in this summary are subject to the terms of the official plan documents, as interpreted by the appropriate plan fiduciary. In the case of an ambiguity or outright conflict between a provision in this summary and a provision in the plan documents, the terms of the plan documents control. The employer reserves the right to review, change, or terminate the plan, or any benefits under it, for any reason, at any time, and without advance notice to any person.

The Kaiser and HMSA medical plans both include prescription drug coverage.

Prescription Drug Plan Design – What You Pay

	HMSA PPO PLAN	KAISER PERMANENTE HMO PLAN
	In-Network / Out-of-Network	In-Network Only
Generic	$7	Generic Maintenance = $3
Brand non-formulary	$30	Other Generics = $10
Brand formulary	$30 + $45 (Other Brand Name Cost Share)	Brand = $45
Mail Order (90 day supply)	$11/$65/$200 for 90 day supply	2 times retail for a 90 day supply

Hawaii Prescription Drug Comparison Chart

Access to good oral health care can help keep your overall health costs down. Regular oral health exams can help detect significant medical conditions before they become serious.

BAYADA’s dental coverage is offered through HMSA or Kaiser HDS.

Who is Eligible?

You are eligible for BAYADA’s dental benefits if you are a full-time field employee or if you are a part-time field employee who works more than 80 hours per month.

Dental Plan Design – What You Pay

	HMSA	KAISER PERMANENTE (HDS)
Preventative & Diagnostic
Examinations	100% twice per calendar year	100% once per calendar year
Cleanings	100% twice per calendar year	100% twice per calendar year
Bitewing x-rays	100% once per calendar year	100% twice per calendar year
Fluoride (age 18 & younger)	100% twice per calendar year	70%
Space Maintainers	70% Age 13 and under	70% Through age 17
Other x-rays	70%	70%
Other Services
Endodontics	70%	70%
Periodontics	70%	70%
Prosthodontics	50%	50%
Calendar Year Maximum	$1,500	$1,200

This document is intended to merely highlight or summarize certain aspects of the employer’s bene t program(s). It is not a Summary Plan Description (SPD) or an official plan document. Your rights and obligations under the program(s) are set forth in the official plan documents. All statements in this summary are subject to the terms of the official plan documents, as interpreted by the appropriate plan fiduciary. In the case of an ambiguity or outright conflict between a provision in this summary and a provision in the plan documents, the terms of the plan documents control. The employer reserves the right to review, change, or terminate the plan, or any benefits under it, for any reason, at any time, and without notice to any person.

Hawaii Dental Plan Comparison Chart

Because symptoms of health conditions often don’t appear until damage has already occurred, eye exams are a great way to keep tabs on what is happening in your body. Whether you need consistent access to comprehensive vision insurance or are exploring this benefit for the first time, our vision insurance coverage is designed to meet a variety of needs.

BAYADA’s vision coverage is offered through EyeMed (INSIGHT Network).

Who is Eligible?

You are eligible for BAYADA’s Vision benefits if you are a full-time field employee or if you are a part-time field employee who works more than 80 hours per month.

Plan Features

The frames allowance remains at $150.
Hawaii Vision Comparison Chart

Retirement Plan Information

Life and Accidental Death and Dismemberment (AD&D)

Insurance Who is Eligible?

All BAYADA employees who have worked a total of 1,000 hours in their prior calendar year are eligible for Life and AD&D coverage.

Plan Information

BAYADA provides Basic Life Insurance benefit and an Accidental Death and Dismemberment benefit through MetLife, at no cost to you. See the below chart for eligibility and benefit coverage.

Basic Life and AD&D
Eligibility (Class)	90 days of service or 1 year of employment + 1000 hours worked*. Will vary by role.
Guaranteed Issue	*$15,000
Maximum Benefit	*$15,000
Age-based Reduction	70 or older, reduced to 60% of Life Benefit
Term Illness Benefit	50% of maximum

*See Workday for your specific benefit coverage

Supplemental Life Insurance (Voluntary Life Insurance)

Who is Eligible?

Voluntary Life Insurance is available to all BAYADA employees including licensed and non-licensed caregivers who work an average of 30 hours per week.

*Not applicable to Part-Time Office Employees.

Plan Information
Voluntary life insurance can be purchased through MetLife in increments of $10,000 up to *$300,000. See Workday for your specific benefit coverage.

Evidence of Insurability (EOI) or proof of good health is required under the following circumstances:

If you previously waived coverage or were enrolled in coverage from $0 – $90,000, you will be subject to Evidence of Insurability if you elect an amount greater than $100,000.

If you were previously enrolled in coverage for $100,000, then you will not be subject to Evidence of Insurability if you elect an amount greater than $100,000.

Hawaii TDI

You are eligible for the Hawaii state disability if you have at least 14 weeks of Hawaii employment in which you were paid for 20 hours or more, earned no less than $400 in the 52 weeks preceding the first day of disability, and are currently employed. The state disability plan covers 58% of average weekly wages up to the maximum of $798 per week.

To enroll or make changes to your current benefit elections online, use Workday. Any additional questions may be directed to [email protected], or by calling 833-993-2958.

Following is a comprehensive list of BAYADA’s carriers and their contact information.

Carrier Contact List – Hawaii

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Learn about online enrollment.

Enrolling online? Learn how to navigate the Workday portal to select which health insurance plans are right for you.

Learn more >

Ready to sign up for benefits?

If you are new to BAYADA or need a coverage change due to a qualified life event, click ENROLL NOW to be taken to BAYADA single sign on and then navigate to Workday, the online enrollment tool.

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If you want to
enroll over the phone,
call now.

CALL 877-318-1764 >