2025 BENEFITS
We are committed to providing you with a comprehensive benefits program that provides the care you and your family need to lead healthy lives.
Before you get started, here are a few things to note:
- All full-time HORNE team members (working 30+ hours) are eligible to enroll in the benefits outlined in this guide.
- This site provides information for Puerto Rico team members. For U.S. Mainland team members, click the button at the top of the page.
HEALTH
Medical
The following is a high-level overview of the coverage available. For complete coverage details, please refer to the Benefits Guide.
See Rates and Details
| In-Network | Out-of-Network | ||
| Deductible | Team Member Only | N/A | N/A |
| Family | N/A | N/A | |
| Out of Pocket Maximum | Team Member Only | $6,350 | $19,050 |
| Family | $12,700 | $38,100 | |
| Premium | Team Member Only | $13.82/pay period | |
| Team Member + Spouse | $164.23/pay period | ||
| Team Member + 1 Child | $115.77/pay period | ||
| Family | $238.12/pay period | ||
Dental
Dental coverage is offered through Delta Dental. Regular dental cleanings and check-ups are extremely important to your overall health, and you are encouraged to take advantage of your preventive dental benefits.
You may seek care from any dentist, but by choosing in-network providers, you will lower your out-of-pocket costs. You can find an in-network provider by visiting www.deltadentalpr.com click on “Find a Provider.”
For complete details, please refer to the Benefits Enrollment Guide.
See Rates and Details
| Deductible | $0 per person | |
| Preventive | Covered at 100% | |
| Basic | Covered at 70% | |
| Major | Covered at 50% | |
| Premium | Team Member Only | $9.92/pay period |
| Team Member + Spouse | $19.85/pay period | |
| Team Member + Child(ren) | $23.85/pay period | |
| Family | $23.85/pay period | |
Vision
HORNE offers you the opportunity to elect vision coverage. The voluntary vision plan is offered by Unum Always Care network and the following is a summary. You can find an in-network provider by visiting www.unumvisioncare.com and click on “Find a Vision Provider.”
For complete details, please refer to the Benefits Enrollment Guide.
See Rates and Details
| Vision Services | In-Network | Out-of-Network | Frequency |
| Exams | $10 Copay | Up to $35 | Once every 12 months |
| Lenses | $15 Copay | Up to: $25/$40/$50 |
Once every 12 months |
| Frames | $120 allowance | Up to $50 | Once every 24 months |
| Contact Lenses (in lieu of glasses) |
Elective: Up to $120 allowance Medically Necessary: Up to $210 allowance |
Elective: Up to $100 Medically Necessary: Up to $210 |
Once every 12 months |
| Premium |
Team Member Only | $3.53/pay period | |
| Team Member + Spouse | $7.05/pay period | ||
| Team Member + Child(ren) | $7.49/pay period | ||
| Family | $11.73/pay period | ||
WEALTH
Life Insurance
Basic Life and AD&D Insurance: Lincoln Financial Group
This benefit is paid by HORNE to help team members maintain financial security.
Important: Please make sure your beneficiary information is up to date.
Voluntary Life and AD&D Insurance
Team members must elect coverage for themselves to elect coverage for a spouse and/or dependent child(ren).
You have the option to purchase additional life and AD&D insurance at group rates. The premium is age-banded and offered voluntarily. Therefore, you will be responsible for paying 100% of the cost, which is payroll deducted on a post-tax basis.
Disability Insurance
HORNE provides eligible team members long-term disability coverage. This benefit is paid for by the firm.
Short-Term Disability
If you choose to elect Short-Term Disability coverage, you pay 100% of the cost through payroll deductions.
Extra Insurance Options
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Accident Insurance: Voya
To protect yourself and your dependents from the financial fallout as a result of an accident, injury, or even death, you have the option to purchase voluntary accident insurance at discounted group rates. This benefit is paid for entirely by you.
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Critical Illness Insurance: Voya
To help cover out-of-pocket health care expenses related to certain critical illnesses, you have the option to purchase critical illness insurance at discounted group rates. You and your covered spouse and dependents will receive a lump-sum payment to help cover out-of-pocket expenses related to cancer, heart attacks, strokes, benign brain tumors, major organ failure and certain childhood conditions. The lump-sum payment will vary depending on your condition. For more details, refer to the Summary Plan Description (SPD). This benefit is paid for entirely by you.
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Hospital Indemnity Insurance: Voya
You have the option of enrolling in the hospital confinement indemnity plan to help cover the cost of out-of-pocket expenses associated with a hospital stay (such as transportation, meals and childcare) that are not covered under our core medical coverage. This benefit provides a cash amount and is provided at an additional cost to you. This benefit is paid for entirely by you.