Your Benefits

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Medical

HSA

FSA

BENEFITS HUB

We have developed this Benefits Hub for you as a one-stop-shop for all of your year-round benefits needs.

Get access to things like plan documents, contact information, plan information, helpful compliance notices & more!

To get started, click a Plan Icon or just continue scrolling.

Lyra EAP

Brand new!

Find confidential care for your emotional and mental health, how, when, and where you need it. Whether you re feeling stressed, anxious, or depressed, support from Lyra can get you back on your feet.

Medical Plans

Base Plan

APCN+

Preventive Care:

Free!

Office Visit:

You pay 20%

Deductible: Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. Services covered before you meet your deductible include In-network preventive care.

$3,000 (I) / $6,000 (F)

Buy-Up Plan

Open Access Select

Preventive Care:

Free!

Office Visit:

You pay 20%

Deductible:

$1,500 (I) / $3,000 (F)

Performance Plan

APCN+

Preventive Care:

Free!

Office Visit:

$25 copay

Deductible:

$750 (I) / $1,500 (F)

Find a Provider

Prescription Drug

Brand new

Costco is now our pharmacy provider. As your pharmacy benefit provider, Costco is committed to lowering drug costs, improving health and delivering superior service.

Health Savings Account

Manna contributes up to $500 on your behalf each year if you participate in our Wellness program.

You can contribute up to $3,850 annually as an individual or $7,750 for a family. Your annual HSA maximum contribution is reduced by the amount Manna contributes to your HSA.

Funds roll over from year-to-year!

IRS Limits

Catch-up Contributions:

$1,000

Employee-Only coverage:

$3,850

Family coverage:

$7,750

Plan Eligibility

Base and Buy-Up Plans

Flexible Spending Account

You can elect to have a portion of your paycheck contributed pre-tax to a flexible spending account (FSA) to pay for qualified dependent care expenses.

Dependent Care FSA

Helps you pay for expenses such as day care, preschool, and elderly care.

Annual Contribution Limit:

$5,000

Rollover:

None

Dental Plans

Your dental plans are now through MetLife.

With the Buy-Up DPPO plan, you can get cleanings up to 3 times per year and have access to orthodontia coverage for both yourself and your dependents!

If you live in California, we offer a DHMO with MetLife. A DHMO is an in-network only plan where you must choose a primary dentist. Your primary dentist will be your single source of care unless you need specialty services such as orthodontia.

Base Plan (Group: #235576)

Deductible:

$25 (I) / $75 (F)

Basic:

Plan pays 90% after deductible

Major:

Plan pays 60% after deductible

Orthodontic:

Plan pays 50% after deductible

Buy-Up Plan (Group: #235576)

Deductible:

$25 (I) / $75 (F)

Basic:

Plan pays 100%, after deductible

Major:

Plan pays 70%, after deductible

Orthodontic:

Plan pays 50%, after deductible

Find a Provider

Vision Plan

Vision care is also important to your overall health & wellbeing! Vision coverage is through EyeMed.

Coverage includes exams, prescription glasses, contacts, and more. You receive the greatest savings using a provider within the EyeMed network.

EyeMed Vision

Exam Copay:

$20

Prescription Glasses:

$20 copay

Frame Allowance:

$0 copay, up to $150 retail allowance

Contacts:

$0 copay, up to $120 allowance

Find a Provider

Company-Sponsored Benefits

We provide life and long-term disability coverage for all our benefits-eligible employees to the positions of AGM and above at no cost to you! You do not need to re-enroll in Basic Life or Disability each year in order to receive these benefits – no action required.

The optional Supplemental Life Plan is 100% employee-paid and may cover you, your spouse, and/or your child(ren) depending on the level of coverage you choose.

Included Benefits:

✓ Basic Employee Life

✓ Long-Term Disability

✓ Employee-Paid Supplemental Life/AD&D

Work/Life Benefits

Benefits that go beyond basic and voluntary coverages. These are programs that offer you and your family even more flexibility and added perks on top of what you enroll in above.

Included Benefits:

✓ Legal Plan

✓ Pet Insurance Plan

✓ Voluntary Term Life with Long Term Care

✓ Supplemental Life Offering

✓ Hello Heart for Hypertension & Diabetes

✓ Family Planning from Progyny

✓ Aetna Concierge

✓ Voluntary Short-Term Disability

✓ Voluntary Critical Illness

✓ Voluntary Group Accident

✓ Voluntary Identity Theft

✓ Voluntary Hospital Indemnity

✓ Home & Auto

✓ Employee Assistance Program

Wellness

Being healthy is easy with TRIP. With our online tools, you can:

✓ Earn up to $500 in your HSA plan for participating

✓ Learn about your current health status through a health evaluation and health assessment

✓ Receive a detailed report which includes your screening results, rewards, and more

✓ Complete a health evaluation (biometric screening & health assessment)

Learn more →

Get Started

401(k)

Make the most of your future. There are many great benefits to being a participant in the Manna Development Group, LLC 401(k) Plan. Among those benefits is exceptional customer service— online or by phone. In fact, you can count on your company and Fidelity to help support you every step of the way.

Best practices to consider:

✓ The impact of an early start. Your decision to start today could give you quite a bit more at retirement than starting five years from now.

✓ Contribute as much as you can. That amount can take you a long way toward reaching your financial goals.

✓Do what you can afford. Start at a number that feels comfortable to you. You can always change it later. The important thing is to invest what you can afford and start right away.

✓ Invest more in your plan, pay less in taxes. Your pretax contributions come out of your pay before income taxes are taken out. You can actually lower your current taxes by investing in the plan today.

Compliance

Your hub for compliance information, forms and contacts you may not have found elsewhere.

Teladoc

Virtual visits with a real doctor.

Talk to a doctor 24/7/365 by web, phone or mobile app. There is no time limit for how long you can speak to a doctor and they can, if medically necessary, write a prescription to the pharmacy of your choice.

Use Teladoc for cold & flu symptoms, bronchitis, allergies, pink eye and more!

If a member lives in	Call to schedule a session	Type of services
Any state	California, Delaware, Missouri, New Jersey, New York, Pennsylvania, Virginia	States not listed above
MDLive: 1-855-824-2170	Inpathy: 1-800-442-8938	Arcadian/ Telemynd: 1-866-991-2103
Behavioral health Members ages 10 and older	Behavioral health Members ages 5 and older	EAP and behavioral health Members ages 18 and older

Talk to a doctor now →

In-Network Benefits	Base Plan	Buy-Up Plan	Performance Plan
Preventive Care	Plan pays 100%	Plan pays 100%	Plan pays 100%
Annual Deductible	$3,000 (I) / $6,000 (F)	$1,500 (I) / $3,000 (F)	$750 (I) / $1,500 (F)
Out-of-Pocket Max	$4,500 (I) / $9,000 (F)	$2,700 (I) / $5,400 (F)	$3,000 (I) / $6,000 (F)
Company HSA Contribution	Up to $500	Up to $500	This plan is not HSA-Eligible
Primary Care / Specialist Visit	You Pay 20%	You Pay 20%	$25 copay / $50 copay
Urgent Care / Emergency Room	You pay 20%	You pay 20%	$50 copay / $200 copay
Lab Work & Diagnostic Tests	You pay 20%	You pay 20%	You pay 20%
Bi-Weekly Premium Non-Tobacco / Tobacco Employee-Only Employee + Spouse Employee + Child(ren) Family	$54.46 / $159.23 $260.77 / $360.92 $168.46 / $268.62 $348.00 / $448.15	$152.31 / $252.46 $404.77 / $504.92 $309.69 / $409.85 $578.77 / $678.92	$173.54 / $273.69 $470.31 / $570.46 $358.62 / $458.77 $684.46 / $784.62
Pharmacy Generic Brand Non-Preferred Brand Specialty	$10 copay after deductible $40 copay after deductible $65 copay after deductible You pay 30%	$10 copay after deductible $40 copay after deductible $65 copay after deductible You pay 30%	$10 copay after deductible $40 copay after deductible $65 copay after deductible You pay 30% after deductible

Summary of Benefits and Coverage

Affordable Care Act

The ACA requires all businesses with 100 or more full-time equivalent employees (FTEs) to offer health insurance to their full-time workers (working 130 hours of service in a calendar month) or pay a penalty. In addition, the Company must continue to provide access to quality health insurance at an affordable cost.

After Taxes

Included in your W-2 income or subject to income taxes.

Before Taxes

Not included in your W-2 income or subject to income taxes.

Beneficiary

A person or persons you name – using a form accepted by the plan administrator or insurance carrier – to receive benefits in the event of your death.

Brand-Name Drug

A drug that is patented by the FDA and subject to an exclusivity agreement that allows the company to be the sole manufacturer of the drug for a certain number of years.

Coinsurance

The percentage that you pay of a covered service.

Copay

A fixed dollar amount that you pay for a covered service at the time the service is provided.

Covered Service

The health care services that a plan will cover in part or in full based on plan documents.

Deductible

The amount you pay for covered services in a plan year before the plan begins to pay benefits.

Eligibility Date

The day on which you’re eligible to participate in a Your Benefits plan.

Eligible Expense

Expenses incurred for a covered service.

Evidence of Insurability

A statement of proof of a person’s physical condition, occupation, or other factor affecting his or her acceptance for insurance coverage.

Formulary Drug

A drug that’s considered a “preferred choice” based on its effectiveness and cost.

Generic Drug

A prescription drug that has the same active ingredients as a brand-name drug and is subject to the same FDA standards for quality, strength, and purity as its brand-name counterpart, but typically costs less. Not all brandname drugs have generic equivalents.

Late Enrollee

A Jack in the Box or Qdoba employee or eligible dependent who didn’t enroll in the benefit plan when first eligible to join.

Network Provider

Any licensed doctor, hospital, lab, or other health care provider that has contracted to provide members with comprehensive services at discounted rates.

Non-Formulary Drug

A brand-name drug that isn’t on a plan’s formulary list.

Non-Preferred Drug

A brand-name drug that isn’t on a plan’s preferred list.

Out-of-Pocket Maximum

The maximum amount you pay each plan year for covered services. Once you reach your out-of-pocket maximum, the plan pays 100% for additional covered services.

Out-of-network Provider

Any licensed doctor, hospital, lab, or other health care provider that is not part of a provider network.

Plan Year

October 1 through September 30.

Preferred Drug

A drug that’s considered a “preferred choice” based on its effectiveness and cost.

Primary Care Physician

A doctor within an HMO network whom you’ve selected to coordinate your medical care.

Qualifying Life Event

A life event that may allow you to make certain changes to your health plan coverage. This includes marriage, registration of a domestic partnership, legal separation, or divorce; birth, adoption, legal guardianship, or change in custody for a dependent child (or children); the ineligibility or death of a dependent; a move to an area where your current plan isn’t offered; a change in your or your spouse’s employment; or a significant change in health coverage.

Reasonable & Customary Charges

The maximum amount the plan will pay for a service, based on what providers in that geographic area charge for similar services or supplies.

In-Network Benefits	HDHP $1750	HDHP $3500	EPO $800 This plan is now In-Network Only
Retail Prescription (30-day supply) Deductible Generic Preferred Brand Non-preferred Brand Specialty	Pharmacy Deductible is combined with Medical $15 copay after deductible $45 copay after deductible $75 copay after deductible $150 copay after deductible	Pharmacy Deductible is combined with Medical $10 copay after deductible $40 copay after deductible $70 copay after deductible $150 copay after deductible	Pharmacy Deductible is combined with Medical $10 copay $40 copay $70 copay $150 copay
Mail Order Prescription (90-day supply) Deductible Generic Formulary/Brand Brand Non-preferred	Pharmacy Deductible is combined with Medical $30 copay after deductible $90 copay after deductible $150 copay after deductible $150 copay after deductible	Pharmacy Deductible is combined with Medical $20 copay after deductible $80 copay after deductible $140 copay after deductible $150 copay after deductible	Pharmacy Deductible is combined with Medical $20 copay $80 copay $140 copay $150 copay

In-Network Benefits	Base Plan	Buy-Up Plan	Dental HMO (CA residents only)
Preventive Services	Plan pays 100%	Plan pays 100%	Plan pays 100%
Cleanings	2 per year	3 per year	2 per year
Deductible	$25 (I) / $75 (F)	$25 (I) / $75 (F) (PCN)	None
Calendar Year Maximum	$1,000	$1,500	None
Basic Services	Plan pays 90% after deductible	Plan pays 100%, after deductible	Copay schedule
Major Services	Plan pays 60% after deductible	Plan pays 70%, after deductible	Copay schedule
Orthodontic Services	Plan pays 50% after deductible	Plan pays 50%, after deductible	Copay schedule
Orthodontia Lifetime Max	$2,000, children only	$2,000 adults & children	Copay schedule
Bi-Weekly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$10.63 $22.85 $24.52 $36.21	$16.43 $35.49 $33.97 $53.16	$5.25 $9.98 $10.50 $14.98

In-Network Benefits	Base Plan
Eye Exam	$20 copay
Plastic Lenses	$20 copay
Single Vision	$20 copay
Bifocals	$20 copay
Trifocals	$20 copay
Lenticular	$20 copay
Frames	$0 copay, up to $150 retail allowance
Contact Lenses	$0 copay, up to $120 allowance
Bi-Weekly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$2.63 $4.98 $5.24 $7.71

Health Savings Account

HSAs are savings accounts funded by pre-tax contributions from your paycheck. These accounts earn interest tax free and can be used to help pay for a wide range of medical, prescription, dental and vision expenses.

The money in this account is yours and rolls over from year to year. You can save it or use it for qualified expenses now or anytime in the future. It’s also portable, so if you retire or leave Manna Development, you can take it with you.

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ Funds rollover from year-to-year and are yours to keep

✓ Catch-up contributions are for those aged 55 and older

Health Savings Account

Flexible Spending Account

An FSA saves you money by reducing your income taxes. You must choose how much to contribute each year, up to the stated limit. Your FSA contributions are automatically deducted from your pay BEFORE any taxes are calculated, and are not reported as income to the IRS. The FSA plan is effective January 1 to December 31 (calendar year).

Existing employees may enroll during Open Enrollment. New Hires must fulfill their eligibility requirements prior to enrolling.

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ Funds do not rollover from year-to-year

Flexible Spending Account

Basic Life and AD&D

If you are actively at work at least 32 hours per week, you can receive a benefit amount of $50,000.

Highlights & Reminders

✓ You are automatically enrolled

✓ Be sure to have an updated beneficiary form on file

✓ Benefit reduces to 65% at age 65 and 50% at age 70

✓ A “Living” Benefit: If you are diagnosed with a terminal illness with less than 12 months to live, you can request 75% of your life insurance benefit while you are still living

Long-Term Disability

Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.

Product Highlights

✓ You are automatically enrolled

✓ 60% of monthly earnings up to a maximum of $6,000

✓ Coverage begins after 180 days of disability

Long-term Disability

Voluntary Term Life with Long Term Care

Short-term Disability

Employee Assistance Program

401(k) Enrollment & Beneficiary Info

Be Sure to Designate a Beneficiary: You can set up your beneficiary information by going to www.401k.com or by calling a Principal Representative at 800-547-7754. Simply request a Designation of Beneficiary Form to fill out and return to Principal.

Enroll now

Employee Stock Purchase Plan (ESPP)

We offer the chance to build your investment portfolio by purchasing Manna Development stock at a discounted rate.

Eligibility:

You are eligible to purchase company stock during the first offering period after six months of employment. Offerings happen twice a year in January and July.

Enrollment:

You may enroll at any point after becoming eligible.

Shopping & Travel Discount from PerkSpot

As a Manna Development employee you receive perks and discounts on more than 900 local and national merchants like Apple, Samsung, Sprint, Six Flags, and Disney.

Whether it’s greater discount percentages or benefits like free shipping, this exlusive benefit can help you get more for your money! Plus, PerkSpot includes a newly released

Travel Feature with exclusive discounts up to 60% on hotels in hundreds of destinations worldwide.

Paid Parental Leave

We proudly introduce paid parental leave. From our family to yours, time to bond with your bundle!

For Primary Caregivers:

Up to 12 weeks of paid leave at 100% of your base pay

For partners:

Two weeks of paid leave at 100% of your base pay

Cigna's Healthy Pregancy, Healthy Babies Program

Enrolling in this program is an important first step toward a healthy future for you and your baby. All Cigna Healthy Pregnancies, Healthy Babies services are confidential, and your private information will not be shared with Manna Development.

Plan for a Healthy Pregnancy:

When you enroll before becoming pregnant, we can help you be as healthy as possible. You’ll have access to preconception planning tools and resources, including information from the March of Dimes on eating right, maintaining a healthy weight, taking prenatal vitamins, stopping alcohol and tobacco use, and controlling any medical conditions you may have.

Support During Your Pregnancy:

Tell Cigna about your pregnancy so they can meet your needs. You can ask them anything – your coach, who has a nursing background, is there to support you during your whole pregnancy. You’ll even get a pregnancy journal with information, charts, and tools to help you have a happy nine months.

Start Now:

Cigna can help you stay healthy before and during your pregnancy and in the days and weeks following your baby’s birth. Call 800-615-2906 to enroll today. Download the new app by searching for “Cigna Healthy Pregnancies” in the App Store to get support through your entire pregnancy with tips and tools.

Ovia

Manage your parenthood journey with Ovia Health! From preconception to returning to work and navigating life as a new parent, Ovia offers three apps to guide you on your journey.

Fertility:

Track your period, symptoms, moods and more! Receive accurate predictions for period and ovulation, connect with an anonymous community of women and read personalized summaries of your health and fertility.

Pregnancy:

Follow your baby's growth by tracking pregnancy, symptoms moods and more. Connect with other moms-to-be for support, check food and medication with safety lookups, and more.

Parenting:

Celebrate memories and milestones by inviting friends and family to follow along, upload photos and videos of precious moments, and track your child's growth and development.

Download apps now

Mental Health Support

Many physical conditions can worsen with stress, substance use, and other behavioral health issues. Cigna’s whole-person approach provides help with life events, dedicated support, lifestyle coaching, and online tools.

Virtual Behavioral Care:

Use your smartphone, tablet, or computer for online video conferencing. And your out-of-pocket cost is the same as a behavioral health outpatient office visit. Visit myCigna.com > Find Care & Costs > Doctor by Type > Behavioral Health Counselor > Virtual Counselor to find a provider.

iPrevail:

On-demand coaching and personalized learning with iPrevail is offered at no cost to you. Learn how to boost your mood and improve mental health with on-demand coaching 24/7. You can work with a peer coach and get access to support communities focused on stress, anxiety, depression, and more. Visit iprevail.com/cigna to sign up and download the free app.

Happify:

Science-based activities and games for stress and worries offered in partnership with Cigna. Happify’s activities and games are designed to help you overcome life’s challenges and can be accessed at any time. Visit happify.com/cigna to sign up and download the free app.

Employee Assistance Program

Find confidential care for your emotional and mental health, how, when, and where you need it. Whether you’re feeling stressed, anxious, or depressed, support from Lyra can get you back on your feet.

✓ Guided self-care with a coach

✓ In-person and video therapy

✓ Medication management

✓ Mental health coaching

LifeWorks Employee Assistance Program

Get immediate access to specialized professionals in counseling, social work, human services and psychology. You have access to the LifeWorks network of thousands of master’s level counselors and affiliates.

Benefit Features

✓ Get support with financial and legal issues

✓ Receive 5 free appointments included in your Niagara benefits

✓ Enjoy hassle-free scheduling with LifeWork's easy-to-use app

Get started

Your Benefits

Click an icon below to view that benefit.

BENEFITS HUB

Lyra EAP

Brand new!

Medical Plans

Base Plan

Buy-Up Plan

Performance Plan

Find a Provider

Prescription Drug

Health Savings Account

IRS Limits

Plan Eligibility

Flexible Spending Account

Dependent Care FSA

Dental Plans

Base Plan (Group: #235576)

Buy-Up Plan (Group: #235576)

Find a Provider

Vision Plan

EyeMed Vision

Find a Provider

Company-Sponsored Benefits

Included Benefits:

Work/Life Benefits

Included Benefits:

Wellness

401(k)

Compliance

Medical Plan Details:

Teladoc

Virtual visits with a real doctor.

Summary of Benefits and Coverage

Plan Booklets

Finding a Provider

Teladoc

Aetna Concierge

401(k)

Covered Drug Lists

Program Information

DHMO

DPPO

Benefits Summary

Program Information

Health Savings Account

Product Highlights

Health Savings Account

Flexible Spending Account

Product Highlights

Flexible Spending Account

Basic Life and AD&D

Highlights & Reminders

Long-Term Disability

Product Highlights

Basic Life and AD&D

Long-term Disability

Voluntary Benefits.

Legal Plan

Pet Insurance Plan

Voluntary Term Life with Long Term Care

Supplemental Life Offering

Hello Heart

Smart Diabetes Management.

Progyny

Aetna Concierge

Your Personal Benefits Assistant.

Short-Term Disability

Critical Illness

Group Accident

Identity Theft

Hospital Indemnity

Home & Auto

Employee Assistance Program

Travel Assistance

Legal Plan

Pet Insurance

Voluntary Term Life with Long Term Care

Supplemental Life

Hello Heart