Every year, DG3 North America, Inc markets our benefit plans and compares to benchmarking data from other companies in similar market sizes, geographic area and industry to ensure that we are offering our employees the most competitive benefits package to take care of our most valuable asset, you and your families. 

Ultimately, we want to ensure that in both the short and long-term, we sustain a great benefits program while controlling our costs and mitigate any plan disruption.  We have decided to stay with CIGNA. 

Enrollment Periods

New Employees As a new employee of DG3 North America, Inc., you become eligible for benefits on your date of hire and must enroll within 7 days to have coverage for the rest of the plan year. You may also need to enroll for the next plan year’s benefits during the annual enrollment period.

Open Enrollment As a benefits-eligible employee, you can enroll in or make changes to your benefit plans during our annual open enrollment period. Open enrollment is December 6th – December 20th with your benefit choices being effective January 1, 2024. Our benefits plan year is January 1, 2024 – December 31, 2024.

Dependent Eligibility You can enroll your dependents in plans that offer dependent coverage. Eligible dependents are defined as your legal spouse, domestic partner, and eligible children who reside in your household and depend primarily on you for support. This includes: your own children, legally adopted children, stepchildren, a child for whom you have been appointed legal guardian, and/or a child for whom the court has issued a Qualified Medical Child Support Order (QMCSO) requiring you or your spouse to provide coverage.

Medical, Dental, and Vision Plan Dependent Coverage You may cover your eligible dependent children up to age 26, regardless of marital or student status (this does not include spouses of adult children). Dependent coverage will cease for your covered dependent children at the end of the month in which an eligible dependent reaches age 26.

COVERING DEPENDENTS? You will be required to provide proof of eligibility for any new dependent you want to add to your coverage. You will receive information about eligibility and documentation requirements after you enroll. The carriers may conduct a dependent eligibility audit at any time.

Making Changes During the Year

Choose your benefits carefully. Medical, dental, vision, and flexible spending account contributions are made on a pre- tax basis and IRS regulations state that you cannot change your pre-tax benefit options during the year unless you have a qualified life event.  Qualified life events include:

• Marriage or divorce;
• Death of your spouse, or dependent;
• Birth or adoption of a child;
• Your spouse terminating or obtaining new employment (that affects eligibility for coverage);
• You or your spouse switching employment status from full-time to part-time or vice versa (that affects eligibility for coverage);
• Significant cost or coverage changes; or
• Your dependent no longer qualifies as an eligible dependent.

You must notify and submit any applicable forms and/or documentation to the Benefits Administrator at [email protected] within 30 days of the event. The Benefits Administrator will review your request and determine whether the change you are requesting is allowed. Only benefit changes which are consistent with the qualified life event are permitted.

Paying for Your Benefits

Some benefits are provided to you at no cost. The cost of other benefits, such as medical, is shared by you and DG3 North America, Inc. Additional benefits, such as dental, vision, and supplemental life insurance are paid for by you at discounted group rates. Having benefit options available means you can build a benefits program that meets your needs and your lifestyle.

Medical Benefits

DG3 North America, Inc. seeks to provide the best possible medical benefits at a reasonable cost. Employees are provided with a medical plan option that includes prescription drug coverage. Please refer to the chart on the next page for medical plan benefits. ID cards with your CIGNA group will be provided electronically.  If you would like one mailed to your home please follow the steps provided in the flyer on the medical page under resources.  Each covered member within your family will receive an electronic ID card.  You will need to begin using your new CIGNA ID cards for services received on or after 1-1-2024.  If you are not making any changes to your current CIGNA medical benefits, then you will NOT receive a new ID card.  

 In-Network Advantage

Within some of the medical, dental and vision plans, you have the freedom to use any provider. However, when you use an in-network provider, the percentage you pay out-of-pocket will be based on a negotiated fee, which is usually lower than the actual charges. If you use a provider who is outside of the network, you may be responsible for paying for the difference between the Usual, Customary and Reasonable (UCR) charges and what the provider charges. You also may need to submit claim forms.