Medical

Our medical benefits through UnitedHealthcare help you maintain your well-being through preventive care, affordable prescriptions, and access to an extensive network of providers.

View your Medical and Prescription Drug Plan Highlights


        

Which plan is right for you?        

You have a choice of three medical plans with a range of coverage levels and costs. This gives you the flexibility to choose what’s best for you and your family’s needs and budget.

• PPO Plan ($1,000 Plan) - a preferred provider organization plan that reduces your out-of-pocket responsibility when you need care by offering a lower deductible and higher contributions from your paycheck. 
  
  HRI PPO Plan Summary of Benefits and Coverage
  HRI PPO Plan Certificate of Coverage
  HRI Group Medical Policy
  
  
  
• HDHP ($2,000 Plan) - a consumer-directed health plan that puts you in charge of your spending through lower paycheck contributions, higher deductibles, and a tax-free Health Savings Account (HSA). Review the chart to see how the plans compare to each other. 
  
  HRI HDHP Plan Summary of Benefits and Coverage
  HRI HDHP Plan Certificate of Coverage
  HRI Group Medical Policy

**If you are enrolled in the HDHP Medical plan, you will automatically be enrolled in the same tier for Accident at no cost to you.
If you are enrolled in the PPO Medical Plan or waive medical coverage, you will need to elect Accident**

• Surest Plan - designed to help simplify care by providing upfront cost and coverage information. There is no deductible, no coinsurance, and no cost-shifting. Using the Surest app or website, members can consider the cost of their care options in advance and select from quality. high-value providers and facilities.
  
  HRI Surest Plan Summary of Benefits and Coverage
  HRI Surest Plan Certificate of Coverage
  
  

UHC and Surest Mobile Apps

Convenient apps that are easier to use and puts your plan at your fingertips. You can do everything from managing your plan to getting convenient care.

Just download the app to:

• Find nearby providers in your network
• Estimate costs
• View and share your health plan ID card
• See your claim details and view progress toward your deductible
  
  

Wellness Programs

UnitedHealthcare offers a diverse set of solutions to support your overall well-being, not just physical health. For more information, click on a link below: 

UnitedHealthcare Wellness
Surest Wellness

Take Advantage of Preventive Care Benefits

Good preventive care can help you stay healthy and detect any “silent” problems early, when they’re most likely to be treatable. Most in-network preventive services are covered in full, so there’s no excuse to skip it.

• Have a routine physical exam each year. You’ll build a relationship with your doctor and can reduce your risk for many serious conditions.
• Get regular dental cleanings. Numerous studies show a link between regular dental cleanings and disease prevention — including lower risks of heart disease, diabetes, and stroke. Dental coverage is available through Delta Dental.
• See your eye doctor at least once every two years. If you have certain health risks, such as diabetes or high blood pressure, your doctor may recommend more frequent eye exams. Vision coverage is available through Sunlife.

Visit www.myUHC.com or www.surest.com to set up your personalized member account. After you're signed in, you'll have 24/7 access to easy-to-use tools and resources — find network doctors, view your ID card, see claims, manage pharmacy benefits, and more.

Flexible Spending Accounts

Tax-advantaged FSAs are a great way to save money. The money you contribute to these accounts comes out of your paycheck without being taxed, and you withdraw it tax-free when you pay for eligible health care and dependent care expenses.

HRI offers the following FSAs:

Health Care FSA

• Pay for eligible health care expenses such as plan deductibles, copays, and coinsurance, as well as eligible dental and vision expenses.
• Contribute up to $3,300 in 2025.

Dependent Care FSA

• Pay for eligible dependent care expenses such as day care for a child so you and/or your spouse can work, look for work, or attend school full time.
• Contribute up to $5,000 in 2025, or $2,500 if you are married and filing separately.

Please note, you are only eligible to elect the healthcare FSA if you are enrolled in the PPO medical plan and do not participate in a HDHP.

Use It or Lose It

Keep in mind, FSAs are “use-it-or-lose-it” accounts. For healthcare FSA’s, you will forfeit any amount above $660 left in the account at the end of the 2025 plan year. For dependent care FSAs you will forfeit any money left in the account at the end of the plan year.

When you enroll in a healthcare or dependent care FSA, UnitedHealthcare will send you a debit card, which you can use to pay for eligible expenses. Depending on the transaction, you may need to submit receipts or other documentation to UnitedHealthcare.

Please note, you are only eligible to elect the healthcare FSA is you are enrolled in the PPO medical plan and do not participate in a HDHP.

What's an Eligible Expense?

• Health Care FSA – Plan deductibles, copays, coinsurance, and other health care expenses. To learn more, see IRS Publication 502 at irs.gov.
• Dependent Care FSA – Child daycare, babysitters, home care for dependent elders, and related expenses. To learn more, see IRS Publication 503 at irs.gov.

Commuter Benefits

Another great way to save money through tax-free spending is HRI’s commuter benefits program. You can use before-tax dollars to pay for monthly parking or transit costs related to your work commute. It’s easy and flexible. Before-tax deductions are allowed up to the IRS limit of $280 per month for parking or transit expenses.

To enroll in the program, choose the FSA benefit online in ADP. Once your account is set up, you can elect your monthly benefits and set it up to automatically renew if you choose. Please note you must make your benefit election by the 10th of the month prior to the benefit month.

Questions? Call 833-225-5939 available 24/7 (TTY users can dial 711). The toll-free number goes directly to customer service – just reference CERA/Commuter Expense!

Using your Commuter Benefits is Easy!

Upon enrollment, you will receive registration information for the LEAP portal from WEX for more information on how to submit parking reimbursements.

Health Savings Account

Build tax-free savings for health care. You can make before-tax deductions from your paycheck into your HSA, allowing you to save money by using tax-free dollars to pay for eligible medical, prescription, dental, and vision expenses.

The total amount that can be contributed to your HSA each year is limited by the IRS. The following limits for 2025 include any company contributions you receive from HRI:

• Up to $4,300 for associate-only coverage
• Up to $8,550 if you cover dependents
• Add $1,000 to these limits if you’re age 55 or older

Receive Company Contributions:
For 2025, HRI will make the following contributions to your account:

• $250 for associate-only coverage or
• $500 if you cover dependents

You must elect to contribute at least $1 per paycheck in order to receive HRI’s HSA contribution to your account.

Keep Your Money

Unlike an FSA, the money in your HSA is always yours to keep and can be rolled over from year to year. You can take your unused balance with you when you retire or leave HRI.

Use it like a bank account. Pay for eligible medical, prescription, dental, and vision expenses for yourself and your family by swiping your HSA debit card, or reimburse yourself for payments you’ve made (up to the available balance in your account). Keep in mind that you may only access money that is actually in your HSA when making a purchase or withdrawal. There’s no need to turn in receipts (but keep them for your records).

Earn interest and invest for the future. Your HSA account can be upgraded to an interest bearing account. You can learn more at optumbank.com or call 800-791-9361 and reference group #904042.

Never pay taxes. Contributions are made on a before-tax basis, and your withdrawals will never be taxed when used for eligible expenses. Any interest or earnings on your HSA balance build tax-free, too.

HSA Eligibility

In order to establish and contribute to an HSA, you:

• Must be enrolled in HRI’s high deductible health plan to be eligible for the HSA with Optum
• Cannot be covered by any other medical plan that is not a HDHP. This includes a legal spouse’s medical coverage unless it’s a HDHP
• Cannot be enrolled in a traditional health care FSA in 2025
• Cannot be enrolled in Medicare, including Part A
• Cannot be claimed as a dependent on another person’s tax return
• Cannot be a veteran who has received treatment through the Department of Veterans Affairs other than preventive care within the past three months

Telehealth

Virtual Visits provide access to care through your health benefits anywhere, anytime. Providers are available 24/7 on demand or by appointment for preventive, chronic, urgent and behavioral health care.

Doctors can diagnose, treat, and even prescribe medicine if needed. It is an affordable alternative to costly urgent care and ER visits when you need care now.

PPO Plan:  NO COPAY   |   HDHP Plan:  20% AFTER DEDUCTIBLE

Virtual Visits can help you with:

• • COVID-19
  • Bronchitis/Allergies
  • Cold & Flu
  • Ear Infection
  • Respiratory Conditions
  • Sinus Infections
  • Urinary Tract Infection
  • Poison Ivy
  • Pink Eye and more

Set Up Your Account

It’s easy to start talking to a doctor.

1.  Sign in at myuhc.com/virtualvisits
2.  Download the UnitedHealthcare app and register
3.  Call 855-615-8335 – you must register to use Virtual Visits

Schedule an appointment through the UHC or Surest mobile app.

Employee Assistance Program

Mental health is integral to living a healthy, balanced life. One in five Americans experience mental health issues. Our mental health encompasses our psychological, emotional and social well-being which means it impacts how we feel, think and behave every day. Our mental health also contributes to our decision making process, how we cope with stress and how we relate to others in our lives.

HRI has two Employee Assistance Programs (EAPs) available throughout the year to assist with your everyday needs, at no cost to you. All full time associates have access to the Sun Life EAP Complete, and all associates enrolled in the medical plan have access to the Care24 EAP offered through United Healthcare.

Services offered through Sun Life EAP Complete

• EAP: Five face-to-face visits with experienced clinicians (per occurrence), without any per- session charge to the employee.
  
• Legal resources: Unlimited phone access to ComPsych legal professionals and an initial consultation at no charge with a local attorney, and discounts on additional services.
  
• Financial resources: One face-to-face visit, up to 1 hour, with a financial planner. Unlimited phone access to financial professionals for information regarding personal finance and related issues.
• Work/Life resources: Information and referrals on child care, elder care, adoption, relocation, and other personal convenience matters.
• Health risk assessments: Online access to a health risk assessment survey and a variety of health management tools and information.
• Online will preparation: Access to EstateGuidance® which offers the ease and simplicity of online will preparation. Employees can complete a will and download it to their computer. The online wills are available at no fee. Also available for additional fees are living wills and final arrangements.
• GuidanceResources® Online: Access to extensive content to help with personal or family concerns, and access to helpful planning tools, discount programs, and more.

Need Help?
Contact Sun Life EAP Complete

• Phone
  Call:  877-595-5284
  TDD: 800-697-0353
  
  
• Web
  www.guidanceresources.com
  Web ID: EAPBusiness
  
  
• Mobile App
  GuidanceResources® Now

Contact UHC Care24 EAP

• Phone
  Call:  888-887-4114
  
  
• Web
  www.liveandworkwell.com

Dental

The PPO dental plans are designed to help you maintain a healthy smile through regular preventive dental care and to fix any problems as soon as they occur. Because preventive care is so important, the plans cover these services in full with no deductible or copay. The plans allow you to see any provider, but you will receive the highest level of benefits when you utilize in-network providers through Sun Life (PPO Network).

View your Dental Benefits (English)
View your Dental Benefits (Spanish)

Register at www.sunlife.com/account to view plan information, access your ID card, locate in-network dentists, and view claims and activity.

Vision

Vision insurance helps pay the cost of periodic vision examinations and necessary lenses and frames. The vision plan covers an annual eye exam, eyeglass lenses or contacts every 12 months, and frames are covered every 24 months. The plan allows you to see any provider, but you will receive the highest level of benefit when you utilize in-network providers through Sun Life (VSP Network).

View your Vision Benefits (English)

View your Vision Benefits (Spanish)

Visit www.vsp.com to locate in- and out-of-network providers.

To view your ID card, check claim status, and find out more information about your coverage, visit www.sunlife.com/account to create a Sun Life account.

Life and Accidental Death & Dismemberment Insurance

HRI offers programs to help ensure financial security for you and your family. We also provide access to voluntary benefits designed to help you save money on valuable supplemental insurance coverage.

View your Basic Life and AD&D Benefits

View your Supplemental Life and AD&D Benefits

Basic Life & AD&D Insurance

HRI provides all active full time associates with Basic Life and Accidental Death and Dismemberment (AD&D) at no cost, which guarantees that loved ones, such as a legal spouse or other designated survivors, will be financially secure after your death.

If you are under age 65 on your effective date of insurance, the amounts of your Basic Life and Basic AD&D Insurance on and after age 65 will be determined by applying the appropriate percentage from the following table to the amount of your insurance in effect on the day before your 65th birthday.

Voluntary Life & AD&D Insurance

You may also purchase Supplemental Life and AD&D on top of what the Company provides. You must purchase Supplemental Life on yourself in order to purchase Life and AD&D on your legal spouse and/or child(ren).

If you are a late entrant, you will have to provide a statement of good health called evidence of insurability. There is no age restriction. New hires can apply to the maximum without having to complete an EOI. Associates must enroll in life coverage to be eligible to elect any dependent coverage.

Voluntary Whole Life Insurance                   

Permanent or Whole Life insurance policies are designed to cover you for your entire lifetime, unlike other life policies that are only written for a certain amount of time. Permanent Life policies also build cash value which can be used for loans, upon surrender of the policy, or as reduced paid up insurance in case of non-payment of premium.

You can also purchase policies on your spouse or child, but you must be covered in order to insure them. Once you have coverage, no additional coverage will be allowed.

UNUM Whole Life Benefit Highlights (English)

UNUM Whole Life Benefit Highlights (Spanish)

Critical Illness Insurance

Critical Illness insurance can provide financial support when a serious illness strikes. The Sun Life Critical Illness program pays up to $40,000 in the event you are diagnosed with one of these illnesses. It protects against the financial impact of certain illnesses, such as a heart attack, stroke, or cancer.

You receive a lump-sum benefit to cover out-of-pocket expenses for treatments that are not covered by your medical plan. You can also use the money to take care of your everyday living expenses, such as housekeeping services, special transportation services, and day care. Benefits are paid directly to you, unless assigned to someone else.

As long as you or your dependents meet the policy and certificate requirements, the following medical conditions are covered:

• Skin Cancer
• Heart Attack
• Stroke
• Coronary Artery Bypass Surgery
• Major Organ Failure
• End-Stage Kidney Disease
• Alzheimer’s Disease

Health Screening Benefit

Earn a $50 annual cash benefit, payable to any covered person on your plan one time each year, once you provide proof of an eligible health screening.

Discover your Health Screening Benefits

Health screenings are an important part of managing your health. That’s why your Critical Illness insurance coverage from MetLife provides an additional Health Screening Benefit for covered screenings and tests. Now, everyone who’s enrolled – you, your legal spouse, and dependent children – can earn an extra benefit just for taking care of their health.

Examples of covered screening and prevention tests include a blood test to determine total cholesterol, a blood test to determine triglycerides, endoscopy, or colonoscopy. For a complete list of what’s covered, please see a copy of your certificate.

View your Critical Illness Benefits (English)

View your Critical Illness Benefits (Spanish)

Accident Insurance

You can’t always avoid accidents — but you can help protect yourself from accident-related costs that can strain your budget. Accident insurance supplements your primary medical plan and disability programs by providing cash benefits in cases of accidental injuries.

You can use this money to help pay for uncovered medical expenses, such as your deductible or coinsurance, or for ongoing living expenses, such as your mortgage or rent. Benefits are paid directly to you — unless assigned to someone else — and are also paid in addition to other coverages you may have, such as medical or an AD&D plan.

*If you are enrolled in the HDHP Medical plan, you will be automatically enrolled in the same tier for Accident at no cost to you*

Accident Insurance pays a benefit for a wide array of events, medical services and treatments. The plan provides a lump-sum payment for many covered events such as:

• Fractures
• Dislocations
• Cuts or lacerations
• Coma and more

You’ll receive a lump-sum payment when you have these covered medical services/treatments:

• Ambulance
• Emergency care
• Inpatient surgery
• Outpatient surgery
• Physician follow-up visits
• Transportation
• Home modifications
• Medical Testing Benefits (includes x-rays, MRIs and CT Scans)
• Therapy services (including physical and occupational therapy)

This plan provides protection for covered events experienced while off the job only.

View your Accident Insurance Benefits (English)

View your Accident Insurance Benefits (Spanish)

Hospital Indemnity Insurance

Even with a major medical plan, you may still be responsible for copays, deductibles, and other out-of-pocket costs. A hospital indemnity plan provides supplemental payments directly to you that you can use to cover expenses that your medical plan doesn’t cover for hospital stays.

Sun Life offers low and high Hospital Indemnity plan options.

View your Hospital Indemnity Benefits (English)
View your Hospital Indemnity Benefits (Spanish)

Disability Insurance

The loss of income due to illness or disability can cause serious financial hardship for your family. HRI’s disability insurance programs work together to replace a portion of your income when you’re unable to work. The disability benefits you receive allow you to continue paying your bills and meeting your financial obligations during this difficult time.

You are eligible for disability benefits after a one year waiting period.

View your Short-Term Disability Benefits

View your Long-Term Disability Benefits

Legal

There are many times in life when you may need services of a qualified attorney: purchasing a home, estate planning documents and will preparation, financial matters, family law or adoption issues. Yet, many people who need legal help do not seek it, in part because they fear the cost and don’t know how to find the right attorney.

Need Legal help?

MetLife Legal Plans has redesigned its website, legalplans.com, to make it easier for you to find attorneys and get the legal help you need. Our new, modern website design provides you with easy access to coverage information and our network of attorneys, as well as provides new tools to handle legal matters quickly online.

Some of the new features of the enhanced website experience include:

• Simplified login – Access legal plan benefits using an email address and password, eliminating the need to remember a membership number or provide social security information.
• Online self-service – From purchasing your first home to disputing a traffic ticket, get access to the legal help you need from our network of over 18,000 attorneys with just a few clicks.
• Digital estate planning – Get step-by-step guidance to create wills, advance healthcare directives, powers of attorney, trusts, and deeds online in as little as 15 minutes.
• Mobile-optimized design – Full access to the entire online experience from any web-enabled mobile device without the need to download a mobile application.

Note about log in: You will need to create an account to access your benefits and use digital estate planning online. You can create the account using the email address of your choice.

Contact MetLife Legal Plans

• (800) 821-6400
• legalplans.com

401(K) Savings Plans

No matter where you are in planning for your financial future, Fidelity NetBenefits is a great place to start. It’s your one-stop online resource, designed so you can quickly and easily set up, monitor, and manage your retirement account.

Eligibility

You will be automatically enrolled at 3% after 6 months of employment.

Contributions

HRI has taken advantage of the Pension Protection Act by automatically enrolling you in the 401(k) plan when you are eligible. You have the right to decline automatic enrollment or to change your election amount, including the right to stop participation. You may change your percentage amount or opt out at any time. The plan also includes an automatic annual increase of 1% up to 6% unless you opt-out.

Contributing to the Plan

Once you become eligible, you’ll be able to save for retirement in this plan. You decide how much of your salary you want to contribute directly from your paycheck, up to $20,500 in 2024, with before-tax contributions.

If you’re age 50 or older in this calendar year and contribute the maximum allowed to your account, you can contribute up to an additional $6,500 to the Plan in 2023.

Changing or Stopping Your Contributions

You may change the amount of your contributions at any time by going to Fidelity’s website NetBenefits at 401k.com. All changes will become effective as soon as administratively feasible and will remain in effect until modified or terminated by you. You may discontinue your contributions anytime.

Once you stop contributions, you may start again anytime.

Rollovers

If you have an account balance from a previous employer’s retirement plan or an IRA, you can roll over the vested portion of that account into this plan. Associates may rollover funds upon being hired, not just becoming eligible for the Plan. Contact your previous employer and your plan’s financial professional to get the process started.

Questions about your 401(k)? Contact Fidelity at 800-835-5097.

Set Up, Monitor & Manage Your Retirement Account

• Go to netbenefits.com
• Click on the Register as a new user link
• Follow the instructions to set up your username and password
  • HRI Properties Group #: 33297

Already established your login information with Fidelity?

• Have you used NetBenefits at a previous employer?
• Do you have a brokerage account with Fidelity (or an IRA, mutual funds, or a college savings plan)?

If so, you can use the same login information (username and password) from those accounts to access NetBenefits. If you have forgotten your login information, click the Forgot login? link.

A financial boost for your future

What if something happens to me?

Pet Insurance

When a beloved pet becomes ill or has an accident and needs the expertise of a veterinarian, the last thing you want to think about is “how much is this going to cost?” HRI removes that worry by offering you a flexible and affordable insurance program to help provide your pet with the best coverage possible.

For more information, visit petinsurance.com/hriproperties or call
1-877-PETS-VPI and mention that you are an associate of HRI.

Auto & Home Insurance

Farmers Auto & Home is a voluntary group benefit program that provides associates access to insurance coverage for a variety of personal insurance needs at special group rates. Through the program, you can apply to insure your auto, home, other property, and yourself against personal liability.

The program offers a number of advantages:

• Convenient paycheck deductions to pay your premiums
• Group discounts for being an HRI associate
• A tenure discount for years of service

You may apply for insurance at any time by calling Farmers Auto & Home. You do not need to wait for your current policy to expire to call for free quotes.

Call 800-438-6381 for a free, no-obligation quote and to get more information about the program.

Gallagher Marketplace

With Gallagher Marketplace, you will have year-round access to additional benefit choices to help you and your family -- from savings programs that support better financial wellbeing, to home and auto insurance that offers peace of mind and better emotional wellbeing. Because your employer partners with Gallagher, you have access to the best benefits available.

How It Works