Eligibility & Coverage
Who Is Eligible For Benefits?
All full-time employees working 30 or more hours per week are eligible for benefits on the first of the month following 30 days of employment.
When Does My Coverage Start?
Coverage begins the first of the month following 30 days of continuous employment.
Who Are My Legal Dependents?
- Legal spouse or domestic partner
- Natural, adopted, step-children, and children under legal guardianship up to age 26
- Disabled dependents with no age limit
- Dependent children up to age 26
- Disabled dependents beyond age 26 with documentation
Qualifying Life Events (QLE)
A qualifying life event allows you to make changes to your benefits outside of open enrollment. Common examples include:
- Marriage, divorce, or legal separation
- Birth or adoption of a child
- Loss of other coverage
- A dependent gaining or losing eligibility
Have a qualifying event? Reach out to HR — you typically have 30 days from the event to make changes.
Medical Plans
Two plans, one honest tradeoff
The Aetna PPO costs more each paycheck and less when you use care, with predictable copays and no referrals. The Aetna HDHP flips that, pairing the lowest premiums with an employer-funded savings account. Use the cost calculator below with a typical year of care for your household. Most people are surprised which plan wins.
Coverage Tier
Aetna PPO Choice
Log into Ben Admin Portal to see your rates
Prescriptions
Aetna HDHP
Log into Ben Admin Portal to see your rates
Prescriptions
Plan Cost Calculator
Find Your Best Plan
Coverage tier
Expected healthcare usage this year
Estimated annual cost — Average year
Assumes pCP visit, specialty visit, standard ER visit, and 12 months preferred brand drug for the year. Preventive care is free.
Monthly premiums aren't included — these totals compare your estimated medical spending only.
Estimates are for comparison purposes only. Actual costs depend on providers, network status, and specific services.
Build My Custom Estimate
Step 1 of 4
Who needs coverage?
Your tier affects your premium and how deductibles are shared.
Savings & Spending Accounts
Pre-tax accounts your employer helps fund. Select one to learn how it works.
Dental Plans
Preventive visits are covered at 100 percent on the PPO, so schedule two cleanings a year at no cost. Your $2,000 annual maximum resets every January.
Coverage Tier
Delta Dental PPO Plus
Alto Robotics covers 50% of the employee-only dental premium.
| Service | In-Network | Out-of-Network | Waiting Period |
|---|---|---|---|
| Preventive (cleanings, exams, x-rays) | 100% | 80% | None |
| Basic (fillings, extractions) | 80% | 60% | None |
| Major (crowns, root canals, dentures) | 50% | 40% | None |
| Orthodontics | 50% | 40% | 12 months |
Cigna Dental Care DHMO
Alto Robotics covers 50% of the employee-only dental premium.
Deductible
None
Annual Maximum
None
Ortho Lifetime Max
$1,800
| Service | Your Copay | Waiting Period |
|---|---|---|
| Preventive (exams, cleanings, x-rays) | $0 | None |
| Basic (fillings, extractions) | $12 – $310 | None |
| Major (crowns, root canals, dentures) | $330 | None |
Copays shown are per visit / procedure. See your plan summary for the complete schedule.
Vision Plan
Coverage Tier
VSP Choice Plan
Alto Robotics covers 100% of vision premiums for employees and their dependents.
You can use the allowance for frames OR contacts — not both in the same benefit period.
Benefits shown are for in-network providers. Out-of-network reimbursement amounts shown where available.
The $200 frame allowance plus exam coverage typically returns three to four times the annual premium if anyone in your family wears glasses.
Basic Life & AD&D
Basic Life & AD&D
Basic Life & AD&D
$50,000Coverage reduces with age
Employer contribution: 100% employer-paid
Plan Features
Portability: Available upon termination
Conversion: May convert to an individual policy within 31 days of termination
Accelerated death benefit: Up to 75% of benefit for terminal illness
Protecting the paycheck itself
Health coverage protects you from medical bills. These plans protect your income when illness or injury keeps you out of work, and your family if the worst happens. Basic life and disability are 100 percent company paid.
Voluntary Life & AD&D
Voluntary Life & AD&D
Voluntary Life & AD&D
Increments
$10,000 incrementsMaximum
$500,000 or 5.00x salary, whichever is lessGuaranteed Issue
$200,000No medical exam required up to this amount
Increments
$5,000 incrementsMaximum
$250,000Guaranteed Issue
$50,000No medical exam required up to this amount
Increments
$2,000 or $5,000 or $10,000Maximum
$10,000Guaranteed Issue
$10,000No medical exam required up to this amount
Rates based on age. Enroll up to $200,000 with no health questions during Open Enrollment.
Plan Features
Portability: Portable up to $500,000
Conversion: Available within 31 days of a qualifying event
Accelerated death benefit: Up to 75% for terminal illness
Add coverage for your family
Beyond the company-paid basic life benefit, you can elect additional voluntary life insurance during Open Enrollment, up to the guaranteed-issue amount with no medical questions. Premiums are age-banded and payroll-deducted.
Hospital Indemnity
Hospital Indemnity Plan
Hospital indemnity insurance pays fixed cash benefits directly to you when you are admitted or confined to a hospital, whether from an illness, an accident, or having a baby. The money comes to you, not the hospital, so you can put it toward deductibles, everyday bills, or anything else while you recover. Benefits pay on top of your medical plan, and there are no network restrictions or health questions to enroll. It pairs especially well with the HDHP, where a hospital stay can mean paying the full deductible before coverage kicks in.
Hospital indemnity pays you directly. Use the cash for medical bills, your mortgage, childcare, or anything else while you recover.
Accident Insurance
Accident Insurance
Accident insurance pays fixed cash benefits directly to you when a covered injury happens, on or off the job. Use the money however you need, from medical bills to everyday expenses while you recover. Coverage extends to your whole family, so a kid’s broken arm at soccer practice or a weekend bike crash pays the same scheduled benefit. There are no health questions to enroll, benefits pay on top of your medical plan, and premiums come straight out of your paycheck.
Extra cash when an accident happens
Accidents rarely wait for a convenient time. Voluntary accident insurance pays fixed cash benefits directly to you, not the doctor, for things like ER visits, fractures, dislocations, and ambulance rides, whether they happen on or off the job.
Because the money lands in your account, you decide how to use it. It pairs especially well with the HDHP, where a single injury can put you on the hook for the full deductible before coverage kicks in.
Critical Illness
Critical Illness Plan
Critical illness insurance pays a lump sum of cash directly to you when you are diagnosed with a covered serious condition, such as cancer, a heart attack, or a stroke. Because the benefit is paid to you, not a provider, you can use it however you need, from medical bills and travel for treatment to rent, groceries, and keeping the lights on while you focus on recovery. Coverage extends to your spouse and children, there are no health questions to enroll, and you even earn a $75 benefit each year just for completing a health screening.
Critical illness insurance pays a lump sum directly to you upon diagnosis. Use it for treatment, travel, or living expenses, plus a $75 annual benefit just for getting a screening.
Short-Term Disability
Group Short-Term Disability
Employer-paid. Protects your income during a short-term illness or injury.
Short-term disability replaces 60 percent of your income if a covered illness or injury keeps you out of work. Accident coverage starts on day one, and the benefit is 100 percent company paid.
Long-Term Disability
Group Long-Term Disability
Employer-paid. Long-term income protection if a serious disability prevents you from working.
LTD benefits begin after the 90 days elimination period. Short-term disability or accrued leave typically covers this waiting period.
A serious illness or injury can keep you out of work for months or years, long after short-term disability runs out. Long-term disability replaces a portion of your income so a lengthy recovery does not put your home, savings, or family at risk. It is 100 percent company paid, so the protection is already yours.
Additional Perks & Resources
Every employee has access to our wellness platform: fitness reimbursements up to $600 a year, mental health support through Spring Health, and a $200 annual wellness stipend for whatever keeps you well.
Confidential counseling and support, available 24/7 at no cost through ComPsych. Short-term counseling, legal consultation, financial planning, and work-life referrals for you and everyone in your household.
Alto Robotics matches 100 percent of the first 5 percent of salary you contribute to the 401(k) through Fidelity, immediately vested. Traditional and Roth contributions are both available.
Deductible, coinsurance, out-of-pocket max. We keep the jargon to a minimum, but this glossary explains every term in plain English.
