Medical Plans.

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 →

Aetna Fixed Indemnity Plan

This plan provides you with benefits such as Physician's visits, Emergency Room coverage, Inpatient/Outpatient surgery, and more!

Notice to Consumers About Fixed Indemnity Insurance IMPORTANT: This is fixed indemnity insurance. This isn’t comprehensive health insurance and doesn’t have to include most Federal consumer protections for health insurance.

Visit www.healthcare.gov online or call 800-318-2596 (TTY: 855-889-4235) to review your options for comprehensive health insurance. If you’re eligible for coverage through your coverage through a family member’s employer, contact the employer for more information. Contact your State department of insurance if you have questions or complaints about this policy.

Minimum Essential Coverage (MEC) Plan

The Minimum Essential Coverage (MEC) plan provides you with 100% coverage for ACA required preventive screenings. There are no copays, deductibles or lifetime maximums for this plan.

	Aetna Fixed Indemnity Plan
Physician's Office Visit	$70 benefit / 7 visits per enrolled member per year/td>
Telemedicine/Walk-in Clinic	$25 benefit / 7 visits per enrolled member per year
Inpatient Hospital	$1,000 lump sum / 2 per enrolled member per year & $550 daily inpatient benefit / 365 days per enrolled member per year
Outpatient Surgery	$500 benefit / 2 per year (Outpatient Hosp. / Ambulatory Surg. Ctr.) $100 benefit / 2 per year (Phys. Office/Urgent Care/ER)
Emergency Room (Sickness/Accident)	$275 benefit / 2 per enrolled member per year / $300 benefit / 3 per enrolled member per year
X-ray and Labs	$50 benefit / 3 per enrolled member per year $250 benefit (MRI/CT/PET)
ACA-Required Preventive Screenings	100% covered
Pharmacy (Generic-only)	$20 copay / 12 per enrolled member per year
Bi-Weekly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$52.79 $110.67 $87.19 $140.16

	Minimum Essential Coverage Plan
Plan Coinsurance	None
Individual Deductible	None
Lifetime Maximum	None
Important note	The Minimum Essential Coverage (MEC) plan provides you with 100% coverage for ACA required preventive screenings. There are no copays, deductibles or lifetime maximums for this plan.
Bi-Weekly Premium Employee-Only Employee + Spouse Employee + Child(ren) Family	$29.38 $57.15 $52.00 $80.43

Medical

401(k)

Aetna

Kaiser

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 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

Covered Drug Lists

Preferred Drug List →
MedImpact Standard MedPerform High Formulary →
Preventive Drug List →
ACA Essential Health Benefits Zero Dollar List →

Program Information

MedImpact Guide →
COVID-19 Testing Program →

MedImpact

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

DHMO

DPPO

Aetna

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	$3.09 $5.87 $6.18 $9.08

Benefits Summary

Program Information

Aetna

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

HSA Handout →
HSA Mobile App Info →
HSA Open Enrollment Video →

PayFlex

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

Medical

Employee Handout →

PayFlex

Basic Life

The company provides a benefit of 2x base salary up to $500,000, $50,000, or $10,000 - depending on your eligibility class - of Basic Employee Life insurance for all eligible employees.

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

Short-Term Disability

If you’re suddenly unable to earn a paycheck due to illness or an accident, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.

Product Highlights

✓ You are automatically enrolled

✓ The Disability plans pay 60% of the first $5,000 of Predisability Earnings, reduced by Deductible Income, up to a $3,000 weekly maximum before reduction by Deductible Income

✓ Up to 26 weeks of coverage

✓ Coverage begins on the first day of disability caused by an accidental injury or after 7 days of disability caused by physical disease, pregnancy or mental disorder

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

✓ $16,667/month or $10,000/month maximum benefit, depending on eligibility class

✓ 60% of your weekly earnings paid

✓ Coverage begins after 180 days of disability

Supplemental Life Insurance

If you want additional protection for you and your family, you have the option to buy Supplemental Life Insurance as shown below. Note that you must elect Supplemental Life Insurance for yourself in order to purchase coverage for your dependents.

Product Highlights

✓ Employee Life:Increments of $10,000 from $10,000 up to $500,000

✓ Spouse Life: Increments of $5,000 from $5,000 up to $100,000

✓ Child(ren) Life: $1,000, $2,000, $4,000, $5,000 or $10,000 coverage amounts available

✓ Guarantee Issue $150,000, Spouse - $25,000, Child – N/A (EOI not required)

Company-Paid Benefits

MetLife

Voluntary Benefits.

Click here to view important documents.

Legal Plan

MetLife Legal Plans gives you access to expert legal help so you can navigate life’s big moments confidently.

NEW Pet Insurance Plan

Pet insurance saves you money on unexpected vet bills. It reimburses you for covered costs after you pay for services from your veterinarian. You can also purchase a wellness plan add-on to reimburse some of the costs of routine care.

Voluntary Term Life Benefit

We have added Chubb’s Lifetime Benefit Term Life plan, which provides coverage through your lifetime at a fraction of the cost of permanent life insurance. Flexibility allows you to customize benefits for long term care.

Voluntary Short-Term Disability

Provides you with an additional cash benefit to be paid alongside your company-sponsored short-term disability benefit.

Voluntary Long-Term Disability

Provides you with a cash benefit after your short-term disability coverage expires.

Critical Illness

Choose between Basic Benefit Amounts of up to $10,000, $15,000, or $30,000 payable at time of diagnosis of included Critical Illnesses.

Group Accident

On-or-off-the-job protection. The High Plan includes $1,500 for Hospital Confinement, $75 for Outpatient Physician, & up to $500 for Medical Expenses.

Identity Theft

Two levels of coverage to help protect you and your family. LifeLock detects suspicious activity within their network, alerting you and helping you with resolution.

Hospital Indemnity

Hospital Indemnity coverage picks up where other insurance leaves off and provides cash to help cover hospital expenses.

Home & Auto

You're eligible for customized home and auto insurance that fits your budget and protection needs.

Manna Development Group, LLC (Manna) permits Insurers to offer employees of Manna certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Manna does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. Manna does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Manna’s involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Manna may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Manna does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

Legal Plan

Pet Insurance

Voluntary Term Life with Long Term Care

Voluntary Short-term Disability

Voluntary Long-term Disability

Accident

Critical Illness

Hospital Indemnity

Identity Theft

Home & Auto

Transamerica

MetLife

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 exclusive 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

Our FREE and confidential Employee Assistance Program (EAP) helps you find balance between work and home life. Your EAP benefits cover five sessions of counseling at no cost to you. If you are interested in counseling, you have three choices available: face-to-face counseling, secure video counseling, or scheduled telephone counseling sessions which are available early morning, late in the evening, and on weekends. If you choose to continue to see the counselor beyond the initial sessions, you may be able to use your health insurance benefits for more long-term coverage.

Manna Development offers this program to you and your immediate family (spouse or domestic partner, dependent children up to age 26) at no cost to you.

Get Help With:

✓ Marriage and family problems

✓ Job-related issues

✓ Stress, anxiety and depression

✓ And more!

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

Employee Assistance Program

Flyer

LifeWorks

Your Benefits

Click an icon below to view that benefit.

BENEFITS HUB

Lyra EAP

Brand new!

Medical Plans

Dental Plans

Base Plan

Buy-Up Plan

Find a Provider

Vision Plan

EyeMed Vision

Find a Provider

Work/Life Benefits

Included Benefits:

401(k)

Compliance

Your Benefits

Click an icon below to view that benefit.

BENEFITS HUB

Lyra EAP

Brand new!

Medical Plans

Dental Plans

Base Plan

Buy-Up Plan

Find a Provider

Vision Plan

EyeMed Vision

Find a Provider

Work/Life Benefits

Included Benefits:

401(k)

Compliance

Medical Plans.

Teladoc

Virtual visits with a real doctor.

Aetna Fixed Indemnity Plan

Minimum Essential Coverage (MEC) Plan

Medical

401(k)

DHMO

DPPO

Benefits Summary

Program Information

Health Savings Account

Product Highlights

Flexible Spending Account

Product Highlights

Medical

Basic Life

Highlights & Reminders

Short-Term Disability

Product Highlights

Long-Term Disability

Product Highlights

Supplemental Life Insurance

Product Highlights

Voluntary Benefits.

Legal Plan

NEW Pet Insurance Plan

Voluntary Term Life Benefit

Voluntary Short-Term Disability

Voluntary Long-Term Disability

Critical Illness

Group Accident

Identity Theft

Hospital Indemnity

Home & Auto

Legal Plan

Pet Insurance

Voluntary Term Life with Long Term Care

Voluntary Short-term Disability

Voluntary Long-term Disability

Accident

Critical Illness

Hospital Indemnity

Identity Theft

Home & Auto

401(k) Enrollment & Beneficiary Info

Employee Stock Purchase Plan (ESPP)

Shopping & Travel Discount from PerkSpot

Paid Parental Leave

Cigna's Healthy Pregancy, Healthy Babies Program

Ovia

Mental Health Support

Employee Assistance Program

Get Help With:

LifeWorks Employee Assistance Program

Benefit Features

Compliance Notices

Medicare Part D

Summary Annual Report

Section 125 Cafeteria Plan

Wrap Summary Plan Description