Honey Benefits
🗓️ Schedule 1:1 with Justin
2027 Plan Year • Open Enrollment

Interior Plantscapes

Welcome to your 2027 Employee Benefits Guide. Explore your new ICHRA program via Glove Benefits, review your employer contribution, and discover supplemental coverage options below.

📅
Open Enrollment Window
December 1st – 11th
🚀
Effective Date
January 1st, 2027
⏱️
Waiting Period
1st of Month after 60 Days
💻
Medical Portal
Glove Benefits (Replacing Thatch)
🩺

ICHRA Medical Program (Glove Benefits)

Individual Coverage Health Reimbursement Arrangement • Choice, Flexibility & Personalization

💡
Same great concept, upgraded platform: This year we are transitioning from Thatch to Glove Benefits. You retain the exact same power to pick the best individual health plan for you and your family in your local zip code, funded with tax-free dollars from Interior Plantscapes!
Step 1 • Employer Allowance

Targeting ~75% Coverage

Interior Plantscapes provides a monthly tax-free healthcare allowance targeted at ~75% of the Lowest Cost Silver Plan (LCSP) in your rating area, scaled by age to meet full affordability guidelines.

Step 2 • Shop on Glove Benefits

Pick Any Local Plan

Log in through Employee Navigator into Glove Benefits to browse all major carriers in your zip code. Search specifically for your doctors, specialists, local hospitals, and prescription medications.

Step 3 • Direct Reimbursement

Seamless Payroll Difference

Your monthly allowance applies straight to your monthly premium. If you choose a plan that costs less or more than your allowance, any difference is reconciled smoothly through pre-tax payroll deductions.

Personalized Age & Area Rating: Because individual ACA health insurance premiums and baseline Silver plans vary depending on your specific age, county, and zip code, exact allowance amounts and out-of-pocket payroll contributions will be calculated individually for you. The Glove Benefits enrollment portal will display your precise dollars and choices during open enrollment!
Medical Alternative Option

Sedera Health Share + Direct Primary Care

Looking for an affordable, non-insurance alternative? Sedera offers a community-based medical cost sharing model paired with Direct Primary Care (DPC).

  • 85% Company Contribution: Interior Plantscapes covers 85% of employee-only rates + 50% for dependents!
  • Typical Employee Cost: Around ~$50 / month.
  • $1,000 IUA: Initial Unshareable Amount per event (not an annual deductible).
  • Direct Primary Care (DPC): Enjoy $0 co-pays for routine doctor visits, physicals, and ongoing wellness care (virtual TRU or local in-person).
▶ Watch the Sedera Video on Loom
▶
Loom Explainer Video
Hosted by Justin Thomas

Watch this 5-minute video walkthrough to see how Health Share & IUA work.

🦷

Ancillary & Voluntary Benefits

Target Non-Medical Effective Date: January 1st, 2027

Dental Coverage

Renaissance Dental: Employer pays 50% of Low PPO employee rate ($11.24/mo credit applied to any plan/tier elected).

Vision Coverage

Renaissance Vision: Employer pays 50% of employee-only rate. Full exams and hardware allowances.

Basic Life & AD&D

OneAmerica: $10,000 term policy — 100% Employer-Paid for all eligible full-time team members.

Voluntary Supplemental Coverages (100% Employee-Paid)

Customize your protection with payroll-deducted voluntary benefits featuring multi-year rate guarantees:

OneAmerica Voluntary Life, Short-Term Disability (STD) & Long-Term Disability (LTD)
Income protection that pays cash benefits if you cannot work due to illness, injury, or childbirth.
🔒 3-Year Rate Guarantee
Colonial Supplemental Protection
Employee-paid Accident, Hospital Indemnity, and Critical Illness with Cancer coverage.
🔒 5-Year Rate Guarantee
Voluntary UPC Pet Benefits & Norton LifeLock Protection
Comprehensive veterinary savings and premium identity theft / cyber security monitoring.
🔒 2-Year Rate Guarantee

Need Help Choosing a Plan? Meet with Justin

Open Enrollment assistance is provided by Honey Benefits. We are here to guide you through Glove Benefits, verify your doctors, and review options with you 1-on-1.

📱 SMS Text Assistance: You will receive notifications and can text real specialists back.
💻 Employee Navigator & Glove: Seamless shopping and elections directly online.
🎥 Personal 1:1 Video Support: Book a private consultation directly on Justin's calendar.
Justin Thomas
Honey Benefits • Dedicated Broker
Book 1:1 Appointment