Review the detailed clinical coverage, in-person doctor copays, diagnostic benefits, virtual telemedicine, and prescription coverage available to all active Chroma staff. The plan operates on the national MultiPlan / PHCS PPO Network and includes $50,000 of group term life insurance.
All clinical services are provided through in-network providers on the national MultiPlan / PHCS PPO Network and MDLive virtual care system.
| Benefit Category | Plus Advantage Inclusions & Copays | Clinical Details & Frequency |
|---|---|---|
| ACA Preventive Care Services USPSTF Grade A & B, immunizations, well-child visits, well-woman screenings, prenatal checkups |
100% Covered ($0 Copay) | Deductible waived. No dollar limit on covered statutory preventive services in-network. |
| Primary Care Physician (PCP) Visits In-person sick visits, checkups, prescription consultations |
$20 Copay | Deductible waived. Up to 3 encounters per calendar year. |
| Specialist Physician Office Visits Direct visits to OB/GYN, dermatology, cardiology, orthopedics, etc. |
$50 Copay | Deductible waived. Up to 3 encounters per calendar year. |
| Urgent Care Facility Visits Participating walk-in urgent care centers for non-emergency acute illness |
$50 Copay | Deductible waived. Up to 3 encounters per calendar year. |
| In-Office Diagnostic Labs & Routine X-Rays Blood panels, metabolic panels, routine non-hospital X-rays |
$50 Copay | Deductible waived. Up to 5 diagnostic tests per calendar year in-office. |
| Advanced Outpatient Imaging Outpatient CT Scans and MRIs performed at contracted facilities |
$200 Copay | Deductible waived. 1 advanced imaging scan per calendar year. |
| 24/7/365 MDLive Virtual Telemedicine Phone or video consultations with board-certified physicians and pediatricians |
Free & Unlimited ($0) | Zero copay. Multilingual access for employee and all family members. |
| MDLive Behavioral Health & Counseling Confidential mental health therapy for stress, anxiety, or depression |
Free & Unlimited ($0) | Zero copay. Scheduled phone or video therapy sessions. |
| Prescription Drug Coverage (Cigna Rx) National pharmacy network: Walgreens, CVS, Kroger, Walmart, Publix |
• Generic Drugs: $0 Copay • Tier 1 Formulary: 10% Co-Insurance |
Covered preventive generic medications at $0 (30-day retail supply). |
| Group Term Life Insurance (ManhattanLife) Guaranteed issue term life benefit for family financial protection |
$50,000 Guaranteed Cash | No medical exams, physicals, or blood draws. 100% tax-free under IRC § 79. |
Transparent monthly pre-tax rate for Chroma's MEC Plus Advantage master health plan. Coverage is provided on an Employee Only basis for eligible full-time staff through pre-tax salary reductions under Chroma's Section 125 plan.
| Coverage Election | Monthly Rate (Plus Advantage) | Bi-Weekly Deduction | Cost Analysis & Inclusions |
|---|---|---|---|
| Employee Only (MEC Plus Advantage) | $118.75 / mo | ~$54.81 / pay | Base employee medical coverage ($20 PCP, $50 specialist/urgent/labs, $200 CT/MRI), 24/7 unlimited virtual telemedicine & behavioral health counseling, Cigna Rx formulary ($0 generics), and $50,000 ManhattanLife term life insurance |
Coverage is Employee Only. This master healthcare program is structured exclusively for active full-time Chroma employees. All contributions are processed through pre-tax payroll deductions, reducing your overall taxable income and lowering your payroll tax liability.
Under Internal Revenue Code Section 125, your benefit deductions are taken prior to calculating payroll and income taxes.
| Sample Calculation: $30,000 Annual Gross Salary with $118.75/mo Pre-Tax Contribution | Annual Tax Savings |
|---|---|
| Federal Income Tax Exemption (12% tax bracket) | Approximately $171 / year |
| Georgia State Income Tax Exemption (~5.2%) | Approximately $74 / year |
| FICA Tax Exemption (7.65% Social Security & Medicare) | Approximately $109 / year |
| Total Estimated Annual Tax Savings | Approximately $354 / year (~$14 more per pay period) |
Your benefit premiums are withheld from gross compensation before federal, state, and payroll (FICA) taxes are calculated. This lowers your taxable income, meaning you pay fewer total tax dollars across the year.
Generally, no. Because your withholdings are calculated on lower taxable income, your tax obligations match your deductions throughout the year. You realize the tax savings immediately in every paycheck rather than waiting for an annual refund check.
1. Slight impact on Social Security wage base: Pre-tax salary reductions are excluded from FICA wages. Enrolling in the plan will reduce your future monthly Social Security retirement baseline by a nominal amount (typically $2 to $5 per month for each year enrolled), while saving you money in payroll taxes immediately today.
2. Annual election stability: In compliance with IRS cafeteria plan rules, your benefit elections remain fixed for the duration of the plan year. Modifications are permitted only within 30 days of an IRS-recognized qualifying life event (such as marriage, birth of a child, divorce, or involuntary loss of other coverage).
3. Reported W-2 wages: Box 1 of your Form W-2 will reflect your gross income minus Section 125 deductions, which is standard across all employer cafeteria plans.
MDLive provides round-the-clock access to U.S. board-certified physicians, pediatricians, and licensed therapists via phone or mobile app. Consultations are available in English, Spanish, and multiple other languages with zero copay for you and enrolled dependents.
Open enrollment is active through November 30, 2026. Coverage takes effect December 1, 2026.