Midwestyles Management · 2026 Benefit Center
Midwestyles Management
Supercuts & Cost Cutters · Indiana & Kentucky
Benefits Center
2026 Plan Year
Midwestyles Management · 2026 Benefit Center

Your benefits,
all in one place.

Access your plan documents, understand your coverage, and connect with your benefits team — everything you need for 2026.

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HR Support

For payroll deductions, enrollment changes, or general HR questions, contact Tami Dullam.

Plan Documents

Download your official benefit plan documents and coverage summaries below.

Talk to an Advisor

Your MACC Benefits Solutions advisor is available to help with enrollment and coverage questions.

Plan Documents

Your 2026 Coverage

Download your official plan documents to review coverage details, eligibility requirements, and benefit limits.

Apex-MEC · Tres Health

MEC Plus Advantage

Minimum Essential Coverage providing preventive health services, physician visits, 24/7 telemedicine, behavioral health support, and prescription drug benefits through the PHCS PPO network.

Preventive — 100% Telemedicine — Free & Unlimited Behavioral Health — Free & Unlimited $0 Generic Rx PHCS PPO Network
Primary Care Visit$20 copay · 3 visits/yr
Specialist Visit$50 copay · 3 visits/yr
Urgent Care$50 copay · 3 visits/yr
Diagnostic X-ray & Lab$50 copay · 5 services/yr
CT Scan / MRI (outpatient)$200 copay · 1/yr each
Generic Medications$0 copay
Tier 1 Medications10% co-insurance
Monthly Premiums — Employee Paid
Employee Only$118.75
Employee & Spouse$240.00
Employee & Children$240.00
Family$355.00
Download Plan Document
Equitable

Accident

Provides a cash benefit if you're injured in a covered accident — helping offset out-of-pocket costs like ER visits, follow-up care, and recovery expenses.

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Equitable

Critical Illness

Pays a lump-sum cash benefit upon diagnosis of a covered critical illness — such as cancer, heart attack, or stroke — so you can focus on recovery, not bills.

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Equitable

Disability

Replaces a portion of your income if a covered illness or injury prevents you from working, helping you meet everyday financial obligations during recovery.

Download Plan Document
Equitable

Hospital

Provides a cash benefit for covered inpatient hospital stays, helping bridge the gap between what your health plan pays and the real cost of hospitalization.

Download Plan Document
Equitable

Life

Provides a tax-free death benefit to your named beneficiaries, giving your family financial stability and peace of mind in the event of your passing.

Download Plan Document
Delta Dental

Dental

Covers preventive, basic, and major dental services through Delta Dental — helping you maintain your oral health and manage the cost of dental care.

Download Plan Document
Delta / VSP

Vision

Covers routine eye exams, prescription lenses, and frames through your Delta/VSP vision plan — keeping your vision sharp and your costs manageable.

Download Plan Document
Carrier Portals

Manage Your Coverage

Access carrier portals to submit claims, check claim status, download ID cards, and manage your coverage directly.

Equitable

Manage Accident, Critical Illness, Disability, Hospital, and Life insurance claims and coverage details.

Visit Equitable Portal

Delta Dental

Find in-network dentists, check your dental benefits, review claims, and download your dental ID card.

Visit Delta Dental

VSP Vision

Find in-network optometrists and ophthalmologists, review your vision benefits, and manage your eye care coverage.

Visit VSP

Tres Health (MEC)

Access your MEC Plus Advantage member portal, telemedicine services, and prescription benefits through Tres Health.

Visit Member Portal
Reference

Common Benefits Terms

Plain-language explanations for the terms you'll encounter most in your benefits documents.

A deductible is the amount you pay out-of-pocket for covered health services before your insurance begins to pay. For example, with a $1,500 deductible, you cover the first $1,500 of eligible costs each year. After that, your plan starts sharing the expense. Preventive care is typically covered before you meet your deductible.
A copay is a fixed dollar amount you pay at the time of a covered visit — for example, $20 for a primary care appointment or $50 for a specialist. Copays are usually separate from your deductible and stay the same each visit regardless of the total cost of the service.
Coinsurance is the percentage of costs you share with your insurer after you've met your deductible. With 80/20 coinsurance, your plan pays 80% of covered costs and you pay the remaining 20%. You continue sharing costs at this rate until you reach your annual out-of-pocket maximum.
The out-of-pocket maximum is the most you'll ever pay for covered services in a plan year — including your deductible, copays, and coinsurance combined. Once you hit that ceiling, your plan covers 100% of covered costs for the rest of the year. It's your financial safety net for high-cost medical situations.
A premium is the monthly amount you pay to keep your insurance active, whether or not you use any services that month. If your employer contributes to the cost, you'll typically see your share deducted from your paycheck. Keeping your premium current ensures your coverage stays in force.
In-network providers have negotiated contracted rates with your carrier, so your plan covers a larger share of the cost and your out-of-pocket is lower. Out-of-network providers haven't agreed to those rates, which means higher costs or potentially no coverage at all. Always confirm a provider is in-network before your appointment to avoid surprise bills.
An EOB is a summary your insurer sends after you receive covered care. It details what was billed, what your plan paid, and what you may owe — but it is not a bill. Review your EOB carefully to confirm the services match what you received and to understand exactly how your benefits were applied.
Your Team

Talk to an Advisor

Your MACC Benefits Solutions advisor is here to help — whether it's a plan question, enrollment support, or claims guidance.

Benefits Advisor · MACC Benefit Solutions

David Brown

[email protected]
812-261-8707

For payroll deductions or general HR questions, contact Tami Dullam.