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What’s New in 2023?

Here’s a look at some changes to next year’s coverage!

We haven’t added many big changes to the 2023 mix, but our recipe for benefits is still something to celebrate!

Tasty Tidbits for 2023

  • Great news! Premiums are not increasing for the Mini plan or for dental, vision, critical illness, group accident, hospital indemnity or pet insurance in 2023.
  • If you’re a full-time Krispy Kremer, you can increase the amount you contribute to:
    • The Health Care Flexible Spending Account. The maximum amount you may contribute to a general or limited purpose FSA is $3,050 for 2023.
    • The Health Savings Account. The maximum contribution limit for 2023 is $3,850 for individual coverage and $7,750 for family coverage. If you’re 55 or older, you can contribute $4,850 for individual coverage and $8,750 for family coverage.
  • All Krispy Kremers can increase the amount they contribute to their 401(k) plan. The max will be $22,500 in 2023, with an additional $7,500 allowed if you’re over 50.
  • If you have any questions, call the Benefit Center at 855-730-8654.
  • Benefits go into effect on January 1, 2023.

Bonus Cigna Plans and Programs

If you’re enrolled in the Original HSA, the Sprinkles HSA, or the Kreme Filled PPO Plan, you can take advantage of some of these great FREE programs from Cigna:

  • The Lifestyle Management Program can help you meet your goal, whether it’s to lose weight, quit tobacco or lower your stress levels. Each program is easy to use and available where and when you need it. Find out more or call 800.Cigna24 (800.244.6224) to start meeting your goal!
  • The Health Matters Care Management program provides support and care coordination if you or a family member is dealing with a serious health condition. Look to your care manager for help to understand your benefits, and work with you to navigate the health care system on your road to recovery. Find out more.
  • The Cigna One Guide Service is on call to help you select your medical plan. Can’t decide if you should elect the Original, Sprinkles or Kreme Filled Plans? Let Cigna One Guide walk you through the pros and cons for your personal situation to make the right decision. Call 800-244-6224 to get started during this enrollment period! Learn more.

Your Medical Plan Options

As a Krispy Kremer, you have a hearty selection of medical plans for 2023.

Mini Plan Benefits

Available for Full-Time and Part-Time Krispy Kremers

Good news! Rates for the Mini Plan are not increasing in 2023.

The Mini Plan will reimburse you up to a maximum for certain services, as detailed in the table below. For example, a doctor’s office visit is paid in full up to $125. If your doctor’s office visit is less than $125, you’ll pay nothing out of pocket. If your visit is more, you’ll be responsible for the amount over $125.

Service The Plan Pays
Outpatient doctor visit $125 per visit
$625 per person per calendar-year maximum
Outpatient diagnostic X-rays and labs $75 per day
$300 per person per calendar-year maximum
Prescription drugs Brand-name: $15 per prescription
Generic: $5 per prescription
ER visit $500 per day
$500 per person per calendar-year maximum
Hospital stay $200 per day
Up to 10 days per person per calendar year
ICU $200 per day
Up to 10 days per person per calendar year
ICU $200 per day
Up to 10 days per person per calendar year
Surgical doctor visit $65 per day
Surgical facility $500 per day
Inpatient hospital $1,000 combined per person per calendar-year maximum
Telehealth Up to three free visits per month

2023 Weekly Paycheck Contributions

Mini Plan
Employee only $18.41
Employee + spouse $37.71
Employee + children $29.32
Employee + family $51.97

The Original HSA plan

Available for Full-Time Krispy Kremers

Costs for the Original HSA medical plan (premiums, deductibles and coinsurance) are the same for employee-only coverage, but will increase slightly for other tiers of coverage in 2023.

Aside from the Mini Plan, the Original HSA plan offers the lowest paycheck contributions, but it has a higher deductible and out-of-pocket maximum than our other plans. It also offers a Health Savings Account, a great way for you to save on medical expenses by using pretax dollars.

2023 Weekly Paycheck Contributions

Original HSA
Employee only $25.38
Employee + spouse $93.45
Employee + children $64.32
Employee + family $109.23

The Sprinkles HSA Plan

Available for Full-Time Krispy Kremers

There are paycheck contribution increases to the Sprinkles HSA plan in 2023, but benefits and coverage will remain the same. Like the Original HSA Plan, you may contribute to a Health Savings Account for additional savings. The Sprinkles HSA’s contributions are higher than the Original HSA’s, but you generally pay less out of pocket for services than you would with the Original.

2023 Weekly Paycheck Contributions

Sprinkles HSA
Employee only $44.10
Employee + spouse $136.73
Employee + children $88.33
Employee + family $163.35

The Kreme Filled PPO Plan

Available for Full-Time Krispy Kremers

The richest plan we offer is the Kreme Filled PPO plan. Weekly paycheck contributions will increase for 2023. This plan may be best for you if you have a lot of medical expenses, because although you pay higher paycheck contributions, you generally pay less out of pocket at the time of service.

Want to learn more about a Health Savings Account (HSA)?

A Health Savings Account is a tax-advantaged account that you can contribute to on a pretax basis. You pay less in taxes, and the dollars you contribute to your account can be used to pay for eligible medical expenses, like your deductible and coinsurance. For more information, visit the HSA page.

2023 Weekly Paycheck Contributions

Kreme Filled PPO
Employee only $56.04
Employee + spouse $155.52
Employee + children $118.55
Employee + family $208.95

Let’s Compare

Here’s a quick comparison of your medical plan options:

Mini Plan* Kreme Filled PPO Original HSA Sprinkles HSA
Network Symetra Cigna Cigna Cigna
Deductible N/A $1,000 employee
$3,000 family
$6,500 employee
$13,000 family
$2,500 employee
$5,000 family
OOP max N/A $5,000 employee
$10,000 family
$6,500 employee
$13,000 family
$6,000 employee
$12,000 family
Coinsurance N/A You pay 20% You pay 0% You pay 25%
PCP / specialist visit Plan pays up to $125 per visit You pay $30 PCP / $50 specialist You pay 0% after deductible You pay 25% after deductible
ER Plan pays up to $500 per day (once per person per calendar year) You pay $300 You pay 0% after deductible You pay 25% after deductible
Urgent care You pay $75 You pay 0% after deductible You pay 25% after deductible
Inpatient hospital Plan pays up to $1,000 combined expenses per family member You pay $250 copay, then 20% after deductible You pay 0% after deductible You pay 25% after deductible
Outpatient surgery You pay 20% after deductible You pay 0% after deductible You pay 25% after deductible
Prescriptions
Generic Plan pays up to $5 per prescription You pay $15 copay You pay 0% after deductible You pay 25% after deductible
Formulary Plan pays up to $15 per prescription You pay $35 copay You pay 0% after deductible You pay 25% after deductible
Non-formulary Plan pays up to $15 per prescription You pay $70 copay You pay 0% after deductible You pay 25% after deductible

* This limited plan has calendar-year maximum amounts that the plan will pay.

2023 Weekly Paycheck Contributions

Mini Plan Kreme Filled PPO Original HSA Sprinkles HSA
Employee only $18.41 $56.04 $25.38 $44.10
Employee + spouse $37.71 $155.52 $93.45 $136.73
Employee + children $29.32 $118.55 $64.32 $88.33
Employee + family $51.97 $208.95 $109.23 $163.35