Overview
Welcome to WinnCompanies! We care about your well-being and the well-being of your family members. That’s why we’re proud to offer a comprehensive team member benefits package.
As a new team member, your benefits are effective on your 30th day of employment. You will have 60 days from your date of hire to enroll in or waive your benefits. Carefully review the website to understand your benefit options and make your plan selections.
Please note: If you miss the opportunity to enroll when initially eligible, you will have to wait until Open Enrollment or a qualifying life event.
Need Assistance?
Call the Aptia365 Benefits Center at 1-855-559-4515 from 7 am to 9 pm ET, Monday through Friday, to speak with a benefits counselor in English or Spanish. Benefits counselors are available to enroll you in your benefits and help you understand your options so you can make the right choices for your needs and your budget. You can also chat online with a benefits counselor on the Aptia365 website.
Eligibility
To be eligible for benefits from WinnCompanies, you must be an active, regular team member working a minimum of 30 hours a week, and you must have completed 30 days of service.
In addition to enrolling yourself in benefits coverage, you may also enroll certain dependents. Your eligible dependents may include:
- Your legal spouse or domestic partner
- Your children up to age 26
- Any dependents you are a legal guardian of
Only those dependents meeting the eligibility requirements can enroll for coverage.
Are you enrolling a spouse or domestic partner?
If you plan to enroll a spouse or domestic partner in benefits coverage, please note that the WinnCompanies medical plans include a spousal/domestic partner surcharge. If you choose to cover your spouse/domestic partner under the WinnCompanies benefits, and he/she has access to other health coverage, you will pay an additional $600 per year for your medical insurance. See the rate information on Aptia365 for details.
Keep in mind that per IRS rules, the amount that WinnCompanies pays toward the cost of your domestic partner’s coverage will be considered imputable income and taxed accordingly. Team Members choosing to enroll a Domestic Partner will be required to complete an affidavit certifying the Domestic Partner relationship.
Checklist
Your new hire checklist
Follow the steps in this checklist to start your rewarding employment experience at WinnCompanies.
Review the 2025 Decision Guide
to understand your benefit options. A digital version of the Decision Guide is also available on Winntranet and Aptia365.
Consider your family’s coverage needs
for 2025 and how our benefit offerings through Aptil365 can help you save money.
Think about how saving money on taxes
with a Health Savings Account (HSA) or Flexible Spending Account (FSA) can lower your healthcare and/or dependent care expenses.
Enroll in your 2025 benefits at Aptia365
If you have questions or need help enrolling, call the Aptia365 Benefits Center at 1-855-559-4515 from 7 am to 9 pm ET, Monday through Friday, to speak with a benefits counselor in English or Spanish.
Take advantage of the decision guidance, interactive tools, and video tutorials
available on the Aptia365 website as you enroll.
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance). Review the cost estimator tool on the Aptia365 website to see how much you can expect to pay under each medical plan option.
Plan Comparisons
Medical Plan Comparisons
You have several medical plan options to choose from, including a lower-cost $3,300 HDHP with HSA. This plan includes a company contribution to your Health Saving Account (HSA) of $500 for individual coverage or $1,000 for family coverage. In addition to the Blue Cross Blue Shield of Massachusetts (BCBS) plans available to all team members, there are regional plans available to team members in certain areas. See the Health section of this site for more information on these benefits.
BCBS Plans (available to all team members)
| Benefits | $1,500 PPO Plan (In-Network) |
$1,500 PPO Plan (Out-of-Network) |
$2,000 PPO Plan (In-Network) |
$2,000 PPO Plan (Out-of-Network) |
$3,300 HDHP with HSA (In-Network) |
$3,300 HDHP with HSA (Out-of-Network) |
|---|---|---|---|---|---|---|
| HSA-eligible | No | No | No | No | Yes | Yes |
| FSA-eligible | Regular FSA | Regular FSA | Regular FSA | Regular FSA | Limited Purpose FSA | Limited Purpose FSA |
| WinnCompanies contribution to HSA (individual/ family) | None | None | None | None | $500/$1,000 | $500/$1,000 |
| Your costs: | ||||||
| Preventive care | $0* | You pay 20% after deductible | $0* | You pay 20% after deductible | $0* | You pay 20% after deductible |
| Deductible (individual/ family) | $1,500/ $3,000 | $2,500/ $5,000 | $2,000/ $4,000 | $3,700/ $7,400 | $3,300/ $6,600 | $6,000/ $12,000 |
| Out-of-pocket maximum (individual/family) | $4,000/ $8,000 | $6,000/ $12,000 | $5,000/ $10,000 | $7,000/ $13,000 | $5,500/ $11,000 | $11,000/ $22,000 |
| Primary care office visit | $30* | You pay 20% after deductible | $40* | You pay 20% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Specialist office visit | $50* | You pay 20% after deductible | $55* | You pay 20% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Emergency room visit | $200* | $200* | $200* | $200* | You pay 30% after deductible | You pay 30% after deductible |
| In-patient hospital | You pay 20% after deductible | You pay 40% after deductible | You pay 20% after deductible | You pay 40% after deductible | You pay 30% after deductible | You pay 50% after deductible |
BCBS Hospital Choice Cost Share Plans (available to team
members in MA and NH)
With the BCBS Hospital Choice Cost Share medical plan options:
- You receive the same covered benefits as you would under the national BCBS medical plan offerings and pay less in medical plan contributions.
- You can choose where you want care. At the point of service, you pay a lower percentage of the cost at a hospital in the Lower Cost Share tier, and more for covered services in the Higher Cost Share tier. Review the 2025 network hospital list to see which hospitals are in the Lower Cost Share tier.
- Applies to inpatient care, outpatient day surgery, outpatient high-tech radiology, outpatient diagnostic lab tests, outpatient diagnostic X-rays and other imaging tests, and outpatient short-term rehabilitation therapy.
| Benefits | $1,500 PPO Plan (In-Network) |
$1,500 PPO Plan (Out-of-Network) |
$2,000 PPO Plan (In-Network) |
$2,000 PPO Plan (Out-of-Network) |
$3,300 HDHP with HSA (In-Network) |
$3,300 HDHP with HSA (Out-of-Network) |
|---|---|---|---|---|---|---|
| HSA-eligible | No | No | No | No | Yes | Yes |
| FSA-eligible | Regular FSA | Regular FSA | Regular FSA | Regular FSA | Limited Purpose FSA | Limited Purpose FSA |
| WinnCompanies contribution to HSA (individual/ family) | None | None | None | None | $500/$1,000 | $500/$1,000 |
| Your costs: | ||||||
| Preventive care | $0* | You pay 20% after deductible | $0* | You pay 20% after deductible | $0* | You pay 20% after deductible |
| Deductible (individual/ family) | $1,500/ $3,000 | $2,500/ $5,000 | $2,000/ $4,000 | $3,700/ $7,400 | $3,300/ $6,600 | $6,000/ $12,000 |
| Out-of-pocket maximum (individual/ family) | $4,000/ $8,000 | $6,000/ $12,000 | $5,000/ $10,000 | $7,000/ $13,000 | $5,500/ $11,000 | $11,000/ $22,000 |
| Primary care office visit | $30* | You pay 20% after deductible | $40* | You pay 20% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Specialist office visit | $50* | You pay 20% after deductible | $55* | You pay 20% after deductible | You pay 30% after deductible | You pay 50% after deductible |
| Emergency room visit | $200* | $200* | $200* | $200* | You pay 30% after deductible | You pay 30% after deductible |
| In-patient hospital | You pay 20% after deductible Lower Cost; you pay 30% after deductible Higher Cost | You pay 40% after deductible | You pay 20% after deductible Lower Cost; you pay 30% after deductible Higher Cost | You pay 40% after deductible | You pay 30% after deductible Lower Cost; you pay 40% after deductible Higher Cost | You pay 50% after deductible |
Kaiser Plans (available to eligible CA, CO, DC, Virginia, and
Maryland team members only)*
| In-Network Benefits Only | $1,500 HMO | $3,300 HMO HDHP with HSA |
|---|---|---|
| HSA-eligible | No | Yes |
| FSA-eligible | Regular FSA | Limited Purpose FSA |
| WinnCompanies contribution to HSA (individual/family) | None | $500/$1,000 |
| Your costs: | ||
| Preventive care | $0** | $0** |
| Deductible (individual/family) | $1,500/$3,000 | $3,300/$6,600 |
| Out-of-pocket maximum (individual/family) | $4,800/$9,600 | $5,500/$11,000 |
| Primary care office visit | $40** | You pay 30% after deductible |
| Specialist office visit | $50 (CA) $80 (DC, MD, VA, CO)** |
You pay 30% after deductible |
| Emergency room visit*** | You pay 20% after deductible | You pay 30% after deductible |
| In-patient hospital | You pay 20% after deductible | You pay 30% after deductible |
*Plan designs may vary based on your location. Review your benefits guide or visit Aptia365 for more information.
**Deductible does not apply.
***Out-of-network emergency room visits covered at in-network benefit level.
Dental Plan Comparisons (MetLife)
You have two dental plan options to choose from, including a lower-cost plan with a lower annual benefit and no orthodontia coverage.
| In- and out-of-network benefits | Basic Plan | Enhanced Plan |
|---|---|---|
| Calendar year deductible (individual/family) | None/None | $50/$150 (waived for preventive services) |
| Calendar year maximum benefit | $500 | $1,500 |
Services
|
|
|
| Orthodontia coinsurance (children to age 19) |
Not covered | 50% |
| Orthodontia lifetime maximum (children to age 19) |
Not covered | $2,000 |
Vision Plan Comparisons (VSP)
| In-Network Benefits | Basic Plan | Enhanced Plan |
|---|---|---|
| Exam (once every 12 months) | $10 copay | $10 copay |
| Contact lens evaluation and fitting (once every 12 months) | $60 copay | $60 copay |
| Frames (once every 24 months) | $25 copay; up to $175 allowance; 20% off balance over $175 | $25 copay; up to $200 allowance; 20% off balance over $200 |
Lenses (once every 12 months)
|
Covered in full N/A N/A N/A N/A |
Covered in full $50 copay $50 copay $25 copay Covered in full |
| Contact lenses – instead of glasses (once every 12 months) | Up to $150 allowance; 20% off balance over $150 |
Up to $200 allowance; 20% off balance over $200 |
How to Enroll
WinnCompanies partners with Aptia365 to offer you a next-generation digital benefits enrollment platform and call center. Aptia365 is available anytime, from any device, and provides a guided enrollment experience so you can select the plans that make the most sense for you and your family.
Aptia365 Features
Aptia365 tools and resources make it easy for you to choose your benefits with confidence. The site is available in English and Spanish and features:
- Expert guidance
- Personalized medical plan cost estimating tool
- Educational articles, videos, decision guide, and more
- English- and Spanish-speaking benefits counselors available year-round at 1-855-559-4515 from 7am – 9pm ET, Monday through Friday
Log In
The first time you visit the Aptia365 website, click on "Get Started" to register your account. After you register, you’ll select a unique username and password that you'll use whenever you come back to the site. Your username must be an email address.
For your security
As part of the registration process, you'll be asked to provide your email address or phone number to set up multifactor authentication (MFA). MFA combines your username and password with an additional security factor — a temporary numeric code sent to you — to confirm your identity and keep your information secure.
Once you receive this numeric code, you will enter it on the website to confirm your identity. For your security, each time you log in, you'll be prompted to enter a new temporary code to gain access to your account.
Make Your Elections
To select your benefits, click on the “Get Started” link on the homepage. The Aptia365 website at https://aptia365.com/WinnBenefits gives you personalized help with choosing benefits. You have two ways to enroll online, based on how much guidance you want.
You can select:
- Receive Expert Guidance if you're not sure which plans are best for you and your family. With this feature, you answer a few quick questions about your healthcare needs and personal preferences, and Aptia365 generates a customized benefits package that offers the best match for you.
- Choose Your Own if you want to take a more traditional approach to enrolling in your benefits one at a time. You'll still have plenty of decision support, including a cost estimator tool to help you see how much you can expect to pay under each medical plan option based on your estimated healthcare expenses.