2026 Tobie Benefits Guide
At Tobie, we believe your benefits should support your well-being, your ambitions, your relationships and your routines, at every stage of life.
Your Benefits, Your Way
At Tobie, we invest in a comprehensive benefits package because we know that when you and your family feel secure and supported, you can bring your best self to work every day. This guide is your resource for understanding and making the most of what’s available to you.
Benefits Support
General benefits questions, enrollment assistance, life event changes, and plan information.
IT Service Desk
Technical support for the Infor enrollment portal, password resets, and benefits system access issues.
Quick Links
Access your most-used benefits tools and portals in one place.
Your Benefits at a Glance
Explore each benefit category to understand your coverage options, key details, and how to get started.
Medical
BCBSNCChoose from four medical plan options — Tobie Premier, Blue Standard, Blue Premium, or Blue HDHP with HSA. All include preventive care at no cost and prescription drug coverage through Capital Rx.
- Four plans: Tobie Premier, Blue Standard, Blue Premium, Blue HDHP with HSA
- Preventive care covered at 100% in-network
- Multi-tier provider networks for flexibility
- HRA available with Premier, Standard, and Premium plans
- Prescription drug coverage through Capital Rx
Pharmacy Benefits
Capital RxPrescription drug benefits are provided through Capital Rx and are included automatically when you enroll in a Tobie medical plan. Prescriptions filled at Tobie or Walgreens retail pharmacies have more favorable copays. Specialty drugs (Tiers 4-6) are filled by the Tobie Specialty Pharmacy.
- Administered by Capital Rx
- Generic drugs are mandatory unless a dispense-as-written (DAW) waiver is prescribed
- Tobie/Walgreens pharmacies offer lowest copays
- Non-Walgreens pharmacies: $150 brand drug deductible (Premier/Standard/Premium)
- Specialty drugs (Tiers 4-6) filled by Tobie Specialty Pharmacy (855-307-6868)
- Rx OOP max (non-HDHP plans): $1,600 individual / $3,200 family
- HDHP Rx OOP max combined with medical: $6,000 individual / $12,000 family
- HDHP: Preventive drugs at no cost; all other drugs subject to deductible then 10% coinsurance (Tobie/Walgreens)
- Premier Plan generics: $5 (30-day) / $12 (90-day) at Tobie/Walgreens
- Standard/Premium Plan generics: $10 (30-day) / $25 (90-day) at Tobie/Walgreens
Generic drugs are mandatory unless a DAW waiver is prescribed by your doctor
The cost difference between brand and generic is not covered under copay or OOP limits
Non-Walgreens retail pharmacies have higher costs and a $150 brand drug deductible
Dental Benefits
CignaChoose between two levels of dental coverage: Base Plan and Enhanced Plan. Both are administered by Cigna and cover preventive care at 100%. The Enhanced Plan also covers orthodontia with a $2,000 lifetime maximum.
- Two plan options: Base Plan and Enhanced Plan
- Both plans cover preventive care at 100%
- Base Plan: lower cost, no orthodontia, annual max starts at $1,000 (increases $100/year with preventive use)
- Enhanced Plan: annual max $1,700 in-network, $2,000 orthodontia lifetime max
- Individual deductible: $50 | Family deductible: $150 (both plans)
- Basic services: you pay 20% (bridges 50%)
- Major services: you pay 50%
- Endodontics, periodontics, oral surgery: you pay 20%
- Non-network annual maximum for Base Plan starts at $900 (Year 1)
Vision Benefits
VSPThe vision plan is administered by VSP and covers annual eye exams, lenses and frames or contact lenses in lieu of eyeglasses. Many in-network services are covered in full or require a copay, and a plan allowance is associated with many out-of-network services. Discounts are available on laser vision correction, additional glasses, sunglasses and lens enhancements.
- Administered by VSP (Vision Service Plan)
- Annual eye exam covered
- Lenses and frames or contact lenses covered (in lieu of eyeglasses)
- In-network services covered in full or with copay
- Out-of-network plan allowance available
- Discounts on laser vision correction
- Discounts on additional glasses, sunglasses and lens enhancements
- Bi-weekly premiums: Employee Only $5.17 | Employee/Child(ren) $8.29 | Employee/Spouse $8.11 | Employee/Family $13.35
FSA / HSA
WEXSave pre-tax dollars for healthcare and dependent care expenses. FSAs are administered by WEX. HSA accounts are available with the Blue HDHP and roll over year to year.
- Healthcare FSA: up to $3,300/year (2025 limit; 2026 TBD)
- Dependent Care FSA: up to $7,500/year
- HSA (HDHP only): $4,400 individual / $8,750 family (2026)
- Tobie contributes $750/individual or $1,500/family to HSA
- HSA funds roll over and are portable
FSA balances do NOT carry over. Unused money is forfeited after the claim deadline.
Life & AD&D
The HartfordTobie provides company-paid basic life insurance at 1.5x base pay. Supplemental life and AD&D coverage available for you and your dependents.
- Company-paid basic life: 1.5x base pay (up to $1,000,000)
- Supplemental life: up to 5x salary (max $1,000,000)
- Guaranteed issue up to $500,000
- AD&D: $25,000 to $500,000
- Spouse and child supplemental options available
Employer-Paid: Basic Life Insurance
Disability
The HartfordShort-term disability is voluntary (team member-paid). Long-term disability is company-paid. Both protect a portion of your income.
- STD: 60% of base pay, up to $2,500/week (team member-paid)
- LTD: 60% of base pay, up to $15,000/month (company-paid)
- STD default: 30-day elimination period
- LTD: 90-day waiting period
- STD paid after-tax so benefit is tax-free
Employer-Paid: Long-Term Disability
Voluntary Benefits
VariousAdditional voluntary benefits at group rates including accident, critical illness, hospital care, legal services, auto/home insurance, and pet insurance.
- Accident insurance (The Hartford)
- Critical illness insurance (The Hartford)
- Hospital care plan (The Hartford)
- MetLife Legal Plan
- Auto & home insurance (YouDecide)
- Pet insurance (Nationwide)
Retirement
FidelityBuild your retirement savings with the Tobie Retirement Plus Plan. Tobie matches dollar-for-dollar on the first 6% you contribute.
- Dollar-for-dollar match on first 6%
- Pre-tax and Roth contribution options
- Auto-enrolled at 4% for new hires
- Match vests after 3 years of service
- Auto Increase Program available
Well-being Programs
All team members are encouraged to participate in well-being activities. Benefits-eligible team members can earn incentives including HRA contributions. The Healthy Lifestyles Program provides tools for managing diabetes and hypertension.
- All benefits-eligible team members can earn well-being incentives
- Premier/Standard/Premium plan members: up to $900 HRA (team member) + $275 HRA (spouse)
- HDHP members: up to $250 in rewards/points
- Non-enrolled benefits-eligible: up to $100 in rewards/points
- Blue Premium Plan: automatic HRA fixed funds (Employee/Child $375, Employee/Spouse $450, Family $750)
- HRA funds must be used by year-end (no rollover for new 2026 fixed funds)
- Healthy Lifestyles Program for diabetes and hypertension management
- Requires Tobie medical plan enrollment and active Tobie MyChart account
- Tobacco cessation program available to avoid $45/pay period surcharge
- Employee Assistance Program (EAP) through AllOne Health: 800-822-4847
HRA funds awarded in 2026 that are not used by year-end will not roll over
If you switch to HDHP, existing HRA balances are forfeited
Employer-Paid: Employer-funded incentive program
Work-Life Benefits
Tobie supports work-life balance with PTO, parental leave, caregiver support, tuition reimbursement, adoption assistance, and consumer discounts.
- PTO accrual based on years of service
- Seven recognized holidays
- Paid parental leave: 4 weeks at 100% pay
- Paid caregiver leave: 1 week at 100% pay
- Tuition reimbursement: up to $5,250/year
- Adoption assistance: up to $3,500/child
Medical Plans Built Around You
Tobie offers four medical plan options so you can pick the coverage that fits your life, your family, and your budget. Compare deductibles, copays, premiums, and network tiers side-by-side on our Medical Resources page.
4 Plan Options
Choose from Tobie Premier, Blue Standard, Blue Premium, or HDHP with HSA.
Preventive Care at $0
Annual physicals, screenings, and immunizations covered at no cost to you.
Prescription Coverage
All plans include pharmacy benefits through Capital Rx.
Understanding Your Benefits
Key terms explained in plain language to help you make informed benefit decisions.
Premium
The amount you pay each pay period for your health coverage. This cost is typically deducted pre-tax from your paycheck. Your premium depends on the plan you choose and whether you cover just yourself or include dependents.
Deductible
The amount you must pay out of pocket for covered services before your insurance begins to pay. For example, if your deductible is $1,500, you pay the first $1,500 of covered services. Preventive care is usually covered before you meet your deductible.
Coinsurance
The percentage of costs you share with your insurance plan after meeting your deductible. For example, if your plan has 80/20 coinsurance, the plan pays 80% and you pay 20% of covered services until you reach your out-of-pocket maximum.
Copay
A fixed dollar amount you pay at the time of a covered service, like a doctor visit or prescription. Copays vary by service type. For example, $25 for a primary care visit or $50 for a specialist. Copays count toward your out-of-pocket maximum.
Out-of-Pocket Maximum
The most you will pay for covered services in a plan year. Once you reach this limit, your plan pays 100% of covered services for the rest of the year. This includes deductibles, coinsurance, and copays (but not premiums).
HRA (Health Reimbursement Arrangement)
An employer-funded account that reimburses you for eligible medical expenses. HRA funds help offset your deductible costs. The HRA is owned by the employer and typically does not carry over or transfer if you leave.
HSA (Health Savings Account)
A tax-advantaged savings account available only with a High Deductible Health Plan (HDHP). You contribute pre-tax dollars, and the funds can be used for qualified medical expenses. HSA funds roll over year to year and are fully yours, even if you change jobs.
Networks & Tiers
Insurance plans organize providers into networks or tiers. Tier 1 (in-network) providers have the lowest costs for you. Tier 2 and Tier 3 providers are still covered but at higher costs. Going out-of-network means the highest out-of-pocket expenses. Always check your plan's provider directory.
Find Care Near You
Use the BCBS provider search to find in-network doctors, specialists, hospitals, and facilities. Staying in-network means lower out-of-pocket costs and better coverage. You can also search for dental providers through Delta Dental and vision providers through VSP.
Find a Vision Provider
Ready to Enroll?
Access the Infor enrollment portal to review your current elections, make changes, or enroll for the first time. Have your dependent information and any qualifying life event documentation ready before you begin.
Coverage effective January 1, 2026 · Changes cannot be made after the enrollment window closes
Full Benefits Guide
Download the complete 2026 Tobie Benefits Guide for detailed plan information, rate tables, provider networks, and enrollment instructions. Keep it handy as a reference throughout the year.
Download Benefits Guide (PDF)PDF format · Updated for the 2026 plan year
Frequently Asked Questions
Find answers to common benefits questions below.
Open Enrollment is held in November each year. Benefits elected during Open Enrollment become effective January 1 of the upcoming plan year. You have 31 days to enroll in Infor and submit required documentation if enrolling dependents in medical coverage.
Benefits-eligible team members include full-time employees classified as working 30 hours or more per week (minimum 0.75 FTE) and part-time employees working 24 to 29 hours per week (0.6 to 0.725 FTE). Part-time employees pay higher premium contributions. PRN team members are not eligible for well-being incentives. New hire flexible benefits begin on the date of hire.
If you do not actively enroll, you will be assigned a default package that includes only: basic life insurance (company-paid), long-term disability insurance (company-paid), and short-term disability insurance with a 30-day elimination period (voluntary, team member-paid). All other benefit elections, including medical coverage, will default to "waive." You must take action to elect a medical plan.
A qualifying life event (QLE) includes changes in marital status, change in the number of eligible dependents (birth, adoption), or other IRS-qualifying events. If you experience a QLE, you must make benefit changes in Infor within 31 days of the event date and upload verification documentation. Changes must be consistent with the qualifying life event. Changes are effective on the date of the event.
Enroll through Infor HR. On a work computer: from I-Connect, select Tools and Services > Team Member Services > Infor HR & Workforce Management. On a personal computer: go to Tobie.org/Team-Members and select the Infor link. If accessing outside the Tobie network, you will need Microsoft Authenticator. Call the IT Service Desk at 866-966-8268 for help with Microsoft Authenticator.
Once you enroll, you may not cancel or change your elections until the next Open Enrollment period unless you experience a qualifying life event (QLE). Examples include marriage, divorce, birth/adoption of a child, or loss of other coverage. You have 31 days from the event to submit changes in Infor with supporting documentation. Changes must be consistent with the qualifying life event.
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Need Help? We’re Here for You
Whether you have questions about your coverage, need help navigating enrollment, or want to understand a claim, our support team is ready to assist. You can also use the AI Benefits Assistant for quick answers anytime.
HR Solutions Center
800-890-5420ServiceNow Portal
Submit a support ticketAI Benefits Assistant
Available 24/7 in the chat panel
Provider & Contact Directory
Find contact information for all benefit carriers and support resources.
Blue Cross Blue Shield of North Carolina (BCBSNC)
MedicalAdministers all four Tobie medical plans (Premier, Standard, Premium, HDHP) and the Health Reimbursement Account (HRA).
Capital Rx
PharmacyPharmacy benefits manager for all Tobie medical plans. Manages prescription drug formulary and claims.
Tobie Specialty Pharmacy
PharmacyFills specialty drugs (Tiers 4 through 6) for all medical plans.
Cigna
DentalAdministers the Base and Enhanced dental plans through the Total Cigna DPPO Network.
VSP (Vision Service Plan)
VisionAdministers the vision plan covering annual eye exams, lenses, frames, and contact lenses.
WEX Health
FinancialAdministers the Health Savings Account (HSA) and Flexible Spending Accounts (Healthcare FSA and Dependent Care FSA).
The Hartford
InsuranceProvides accident insurance, critical illness insurance, hospital care plan, disability (STD/LTD), life insurance and AD&D.
MetLife
LegalProvides the MetLife Legal Plan with access to a network of attorneys for planned and unplanned legal events.
Fidelity Investments
RetirementProvides recordkeeping and investment services for the Tobie Retirement Plus Plan. Offers online tools, consultations and retirement planning.
AllOne Health
WellbeingProvides the Employee Assistance Program (EAP) for counseling, mental health support and life resources.
Family First
Work-LifeCaregiver support program connecting team members with accredited care experts and the Family First Digital Care Hub.
YouDecide / Tobie Team Member Advantages
VoluntaryProvides auto/home insurance comparison, Nationwide pet insurance, and consumer discounts. Client ID: NOV668.
Nationwide
VoluntaryPet insurance provider available through the Tobie Team Member Advantages program.
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