Medical/Rx Plan Details

Ajinomoto Foods offers comprehensive medical plans that will fit you and/or your family's needs. Please review the highlights below to see which option is best! Health insurance helps reduce medical costs helps protect you from unexpected medical bills and provides preventative care to lead to better health outcomes.

Personify PPO

Deductible

$1,000 (I) / $3,000 (F)
Out-of-Pocket Maximum

$3,000 (I) / $9,000 (F)
Company HSA Contribution

Not applicable
Weekly Premium

Employee-Only: $36.92

Employee + Spouse: $86.54

Employee + Child(ren): $70.38

Family: $116.54

Personify HDHP

Deductible

$3,300 (I) / $6,600 (F)
Out-of-Pocket Maximum

$4,500 (I) / $8,000 (F)
Company HSA Contribution

$500 for employee-only coverage
$1,000 for all other tiers
New Hires will receive a pro-rated amount based on the hire date.
Weekly Premium

Employee-Only: $30.00

Employee + Spouse: $69.23

Employee + Child(ren): $57.69

Family: $93.46

Kaiser HMO (CA-Only)

Deductible

$1,000 (I) / $2,000 (F)
Out-of-Pocket Maximum

$3,000 (I) / $6,000 (F)
Company HSA Contribution

N/A
Weekly Premium

Employee-Only: $42.69

Employee + Spouse: $88.85 (EE+1)

Employee + Child(ren): -

Family: $124.62

SIMNSA HMO (San Diego Plant Only)

Deductible

None
Out-of-Pocket Maximum

$6,350 (I) / $12,700 (F)
Company HSA Contribution

N/A
Weekly Premium

Employee-Only: $11.31

Employee + Spouse: $36.54 (EE+1)

Employee + Child(ren): -

Family: $32.08

Personify PPO

Preventive Care

Plan pays 100%

Personify HDHP

Preventive Care

Plan pays 100%

Kaiser HMO (CA-Only)

Preventive Care

Plan pays 100%

SIMNSA HMO (San Diego Plant Only)

Preventive Care

Plan pays 100%

Personify PPO

Primary Care

$25 copay
Specialist Visit

$50 copay

Personify HDHP

Primary Care

You pay 0% after deductible
Specialist Visit

You pay 0% after deductible

Kaiser HMO (CA-Only)

Primary Care

$30 copay
Specialist Visit

$30 copay

SIMNSA HMO (San Diego Plant Only)

Primary Care

$10 copay
Specialist Visit

$10 copay

Personify PPO

Emergency Room

$200 copay + 20% after deductible
Urgent Care

$50 copay

Personify HDHP

Emergency Room

You pay 0% after deductible
Urgent Care

You pay 0% after deductible

Kaiser HMO (CA-Only)

Emergency Room

30% after medical deductible
Urgent Care

$30 copay

SIMNSA HMO (San Diego Plant Only)

Emergency Room

$250 copay
Urgent Care

$25 copay (Mexico)
$50 (outside of Mexico)

Aetna PPO W/HSA

Summary of Benefits and Coverage →
Benefits Booklet →
Transition of Care Form →
Aetna Navigator Information →
Aetna's Premier Care Network →
Finding a Doctor →

Aetna HMO Low

Summary of Benefits and Coverage
Benefits Booklet →
How to Find a Doctor →

Express Scripts

Personify PPO

Generic

$10 copay (retail)
$20 copay (mail order)
Preferred Brand

$35 copay (retail)
$70 copay (mail order)
Non-Preferred Brand

$65 copay (retail)
$130 copay (mail order)
Specialty

20% coinsurance up to $100 maximum

Personify HDHP

Generic

$20 copay after deductible (retail)
$40 copay after deductible (mail order)
Preferred Brand

$40 copay after deductible (retail)
$80 copay after deductible (mail order)
Non-Preferred Brand

$60 copay after deductible (retail)
$120 copay after deductible (mail order)
Specialty

30% coinsurance after deductible

Kaiser HMO (CA-Only)

Generic

$10 copay (retail)
$10 copay (mail order)
Preferred Brand

$30 copay after deductible (retail)
$30 copay after deductible (mail order)
Non-Preferred Brand

$30 copay after deductible (retail)
$30 copay after deductible (mail order)
Specialty

20% coinsurance up to $150 maximum

SIMNSA HMO (San Diego Plant Only)

Generic

$15 copay
Preferred Brand

$15 copay
Non-Preferred Brand

$15 copay
Specialty

$15 copay

Costco

877-908-6024

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Cigna Dental

866-494-2111

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SIMNSA Dental

619-407-4082

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Dental Plan Details

DPPO

Deductible

$50 (I) / $150 (F)
Calendar Year Maximum Enhanced!

$2,000/person
Weekly Premium

Employee-only: $2.48

Employee + Spouse: $5.55 (EE+1)

Employee + Child(ren): -

Family: $8.95

DHMO

Deductible

None
Calendar Year Maximum

None
Weekly Premium

Employee-only: $1.78

Employee + Spouse: $4.22 (EE+1)

Employee + Child(ren): -

Family: $5.21

DPPO

Diagnostic & Preventive

Covered at 100%
Basic Services

You pay 20% after deductible
Major Services

You pay 50% after deductible
Orthodontia Enhanced!

Plan pays 50%, no deductible, up to $2,000/person max

DHMO

Diagnostic & Preventive

Covered at 100%
Basic Services

Subject to copay schedule
Major Services

Subject to copay schedule
Orthodontia

Subject to copay schedule

Vision Plan Details

EyeMed Base Plan

Exam (once every 12 months)

$10 copay
Contact lenses

Discounts available
Lenses

Discounts available
Frames

Discounts available
Weekly Premium

Employee-only: FREE

Employee + Spouse: FREE (EE+1)

Employee + Child(ren): -

Family: FREE

EyeMed Buy-up Plan

Exam (once every 12 months)

$10 copay
Contact lenses

$150 allowance + 15% off balance
Lenses

$10 copay for standard lenses
Frames Enhanced!

$200 allowance + 20% off balance
Weekly Premium

Employee-only: $1.10

Employee + Spouse: $1.76 (EE+1)

Employee + Child(ren): -

Family: $2.79

EyeMed

866-939-3633

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Life/AD&D

800-992-3522

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Disability

888-301-5615

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HSA/FSA Plan Details

Health Savings Account

A health savings account (HSA) is a medical savings account that allows you to use pre-tax contributions from your paycheck to cover eligible health care expenses, tax-free.

You’ll earn the Ajinomoto HSA match on a per pay period basis, up to the maximum match of $500 individual/$1,000 family.

Annual IRS Contribution Limit

Individual: $4,150 | Family: $8,300
Maximum Ajinomoto Foods Match
(within annual contribution limits)

Individual: $500 | Family: $1,000

New Hires will receive a pro-rated amount based on the hire date

Flexible Spending Accounts

A flexible spending account (FSA) is a reimbursement account, funded by pre-tax contributions from your paycheck, that allows you to pay for eligible expenses on a pre-tax basis.

FSA funds not spent by the end of the calendar year do not roll over – choose the annual amount of your FSA contributions carefully!

Traditional Health Care/Limited-Purpose FSA Contribution Limit

$3,200
Dependent Care FSA Contribution Limit

$5,000

HSA/FSA - WEX

866-451-3399

Login now →

Life & Disability Plan Details

Basic Life and AD&D

Provided by Ajinomoto Foods automatically at no cost to you!

Active Employees

Ajinomoto Foods pays for your Basic Life and AD&D coverage.
Benefit

Benefit is equal to 1x your base salary up to $500,000.

Voluntary Life and AD&D

Employee Age reduction schedule being removed in 2025!

$5,000 increments up to the Guarantee Issue amount. If currently enrolled, you may increase to the next $5,000 of coverage without providing evidence of insurability (EOI).

If enrolling for the first time or increasing benefits by more than $5,000, EOI will be required. Guarantee Issue is only during the New Hire period.
Spouse

$5,000 increments up to the lesser of 100% of employee’s election or $150,000 (GI = $100,000). Guarantee Issue is only during the New Hire period.
Child

$5,000, $10,000, or $15,000 (up to age 26) (GI = $15,000). Guarantee Issue is only during the New Hire period.

Short-term Disabilty

Benefit

60% of your base weekly pay up to the plan maximum
Timing

After seven days and up to 26 weeks
Cost

Employer-paid, automatically provided

Long-Term Disability

Benefit

60% of your base monthly pay
Timing

After 180 days
Cost

Automatically provided

Financial Wellness

Ajinomoto Foods Retirement Plan

The Ajinomoto Foods Retirement Plan through Fidelity Investments helps you save for a secure and well-funded future through pre-tax or after-tax (Roth) contributions and a company match.

New for 2025!
Social Security Number (SSN) no longer needed when designating your beneficiaries.

IRS Pre-Tax/Roth Contribution Limit

$23,000
IRS Catch-Up Contribution Limit

$7,500
Ajinomoto Foods Match

Ajinomoto Foods matches 100% of your first 3% and then 50% of your next 3%. The max employer match is 4.5%

PerkSpot Discount Program

Access discounts from your favorite brands, including 30,000 national and local offers!

Start saving today!

Flexible Spending Account

An FSA saves you money by reducing your income taxes. You must choose how much to contribute each year, up to the stated limit. Your FSA contributions are automatically deducted from your pay BEFORE any taxes are calculated, and are not reported as income to the IRS. The FSA plan is effective January 1 to December 31 (calendar year).

Existing Employees may enroll during Open Enrollment. New Hires must fulfill their eligibility requirements prior to enrolling.

Product Highlights

✓ Contributions are pre-tax and are automatically deducted

✓ $500 of funds rollover from year-to-year

PayFlex

Life and Accidental Death & Personal Loss

With this coverage, you can deliver peace of mind to your family in the event of your unexpected death.

Product Highlights

✓ Receive up to 2x your annual salary up to a maximum of $250,000

✓ Living Benefit allows you to collect 80% of your policy while living in the event you are diagnosed with a terminal illness

✓ You may be able to keep coverage if you leave the company, retire or change the amount of hours you work

Short-Term Disability

If you’re suddenly unable to earn a paycheck due to illness or an accident, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.

Product Highlights

✓ Receive a portion of your salary for 25 weeks

✓ Off-the-job coverage

Long-Term Disability

Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.

Product Highlights

✓ Offers additional coverage beyond your initial Short-Term disability coverage

Work/Life Benefits Details

LegalEASE Brand new benefit!

LegalEASE provides easy-to-use legal services for no matter what state in life you are.

What you'll get with a LegalEASE Plan:
• Attorneys with expertise specific to your legal matter
• Access to a national network of attorneys
• In-and-out-of-network coverage
• Concierge help navigating common legal issues

Accident

Accident insurance helps you protect against the financial burden that accident-related costs can create. Accident Insurance complements other benefits, including traditional healthcare insurance.

Coverage provides benefits for more than 80 accidental injuries, related expenses, and treatments spanning multiple medical categories.

Critical Illness

Life can be tough sometimes, and nobody knows what lies ahead. Critical Illness coverage helps bring peace of mind through financial protection in the event that you are diagnosed with a critical illness such as cancer or suffer a heart attack, stroke, or other life-threatening condition or illness.

Includes $50 employee + spouse wellness benefits and $200 mammography benefit!

Product Highlights

✓ Protects you and your family

✓ No waiting period

✓ Benefits paid directly to you

Hospital Indemnity

Even a small trip to the hospital can have a major impact on your finances.

Here’s a way to help make your hospital visit a little more affordable!

Includes $100 wellness benefit and $100 mammography benefit!

Product Highlights

✓ Hospital Confinement Benefit

✓ Hospital Admission Benefit

✓ Hospital Intensive Care Benefit and more

Pet Insurance

MetLife pet insurance provides coverage for veterinary expenses and other pet-related costs to help ensure the well-being of your furry companion.

MetLife will bill you directly. Premiums will not be deducted from your paycheck, and setup of a primary payment must be completed during enrollment.

Product Highlights

✓ Flexibility to choose from various levels of coverage with no breed exclusions or upper age limits

✓ Competitive rates with discounts

✓ The only provider to offer family plans, covering multiple pets on one policy

Enroll now!

Progyny

888-597-5065

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Fidelity

800-835-5097

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PerkSpot

866-606-6057

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Accident/Critical Illness/Hospital Indemnity

800-992-3522

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Family-Friendly Benefits Details

Enhanced Fertility

Your benefit provides coverage for fertility preservation (egg or sperm freezing), which allows you to build a family when you’re ready.

Other options include IVF Fresh Cycle, IVF Freeze-All, Frozen Embryo Transfer, Intrauterine Insemination, Timed Intercourse, and more!

Login now →
or call 844-470-1752 to sign up.

Adoption Assistance

Sometimes starting a family through natural birth just isn't in the cards. However, we've teamed up with Progyny to offer an Adoption Assistance benefit to help make starting your family a little bit easier.

A $10,000 benefit available to Employees with 1 year of service or more.

Login now →
or call 844-470-1752 to sign up.

Pet Discount Plans

PETplus Rx Plan

PETplus Prescription Savings Plan will save you money on the products your pets are already using. You will receive wholesale prices on brand name prescriptions, preventives and more.

Pet Assure Plan

Pet Assure members save 25% on all medical services provided by any one of Pet Assure’s thousands of participating providers. Pet Assure is not insurance and all pets are eligible, regardless of type, age, breed, or health condition.

Tuition Assistance

This program is offered as a benefit to Ajinomoto Foods Employees and any reimbursement made pursuant to it shall be made at Ajinomoto Foods’s discretion.

If you are interested in applying for this program and you have completed 12 months of service with Ajinomoto Foods, click here to view the Tuition Assistance Policy and Tuition Assistance Application.

Scholarship Program

The Andrew D. Peykoff, Sr. Scholarship Program offers tuition assistance to dependents of Ajinomoto Foods Employees who are continuing their education in college or vocational school programs.

The application window is from December 1, 2020 to March 1, 2021. Recipients are selected based on academic performance, school and community involvement, statement of academic and career goals, and more. The Program is administered by Scholarship America, the nation’s largest designer and manager of scholarship, tuition assistance, and other education support programs for corporations, foundations, associations, and individuals.

**You will need to access the link either at a Ajinomoto Foods location or via VPN.

Learn more →

Wellness Program Details

Hydrate your Health

Employees and participating Spouse/Domestic Partners covered by a Ajinomoto Foods medical plan as of 1/1/2021 may voluntarily participate in the Hydrate Your Health Program. For Employees, your participation helps you avoid paying the Wellness Surcharge, an additional medical premium beginning in May 2021. The surcharge is $40 per paycheck for team members. There will not be a surcharge for spouses in 2021, but spouses are encouraged to participate.

A wellness surcharge of $40/pay period will apply to Employees if the following actions are not taken by the deadlines:

Complete a Personal Health Questionnaire (PHQ) an online, confidential questionnaire through Virgin Pulse (between 12/15/20-2/28/21).
Participate in a Biometric Health Screening at a participating Quest Diagnostics Lab or an At Home Self Collection test kit (between 12/15/20-2/28/21).
During the Biometric Screening, participate in a Nicotine Test and test negative for nicotine use.

OR you may choose NOT to participate in the Biometric Screening and instead choose to complete 4 Wellness Coaching sessions through Virgin Pulse.

Get started →

Wellness Update Video →
Biometric Screening Announcement →
FAQs →

	Activity #1: PHQ	Activity #2: Biometric Screening OR Coaching
Activity	PHQ Online Questionnaire	Option 1: Quest Patient Service Center Lab	Option 2: At Home Self-Collection Test Kit	Option 3: Complete 4 Wellness Coaching Sessions
Deadline	Complete between 12/15/2020 - 2/28/2021	Complete between 12/15/20 - 2/28/2021		Complete between 12/15/2020 - 5/4/2021 to avoid surcharges; complete by 9/30 to earn a refund

Rewards for participating in a wellness program are available to all eligible Team Members/spouses. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by a different means. Contact the Benefits Department. We will work with you (and, if you wish, with your doctor) to develop another way to qualify for the reward.

LifeWorks Employee Assistance Program

Get immediate access to specialized professionals in counseling, social work, human services and psychology. You have access to the LifeWorks network of thousands of master’s level counselors and affiliates.

Benefit Features

✓ Get support with financial and legal issues

✓ Receive 5 free appointments included in your Ajinomoto Foods benefits

✓ Enjoy hassle-free scheduling with LifeWork's easy-to-use app

Get started

New Hire Wellness Steps

The Hydrate Your Health Wellness Program is designed to maintain a high level of well-being through nutrition, activity, stress management, and illness prevention & management.

For your first year at Ajinomoto Foods, you may voluntarily choose to participate in our wellness challenges and other wellness programs through Virgin Pulse, a global leader in health and wellness. After your benefit effective date, you will have access to this web and app-based program, where you can track your healthy habit development!

For Team members enrolled in a Ajinomoto Foods medical plan, your voluntary participation can earn you Pulse Cash! You and your spouse can earn up to $100 each by completing various activities, such as: Ajinomoto Foods sponsored wellness challenges, healthy habit trackers, goal setting, daily wellbeing tips, sleep guide, nutrition guide, & digital coaching.

If you choose not to enroll in a Ajinomoto Foods medical plan, that’s okay. You can still join your team and colleagues on our wellness adventures and take advantage of all of the same tools and resources. But no Pulse Cash for you.

Do you ever wish you had accountability for fitness or healthy eating?
Partner with a FREE coach to work on areas you wish to improve. Topics include: Get Active, Eat Healthy, Reduce Stress, Manage Weight, Navigate Health Situations, Tobacco Cessation, and Sleep Well.

What about Biometric Screenings?
You may have heard that Ajinomoto Foods offers Biometric Screenings to team members and covered partners. That is true! The biometric screening program is offered to those covered team members and partners enrolled as of January 1st. If you continue to enroll in a Ajinomoto Foods medical plan next year, you will be included in our 2022 program. For this year, focus on improving or maintaining your good health and joining your colleagues on some fun wellness adventures!

Get started →

EAP

800-964-3577

Login now (WebID: MY5848i) →

Medical Documents

Summary of Benefits and Coverage

Plan Booklets

Benefits Summaries

Prescription Drug Forms

Pharmacy Benefits Overviews

Pharmacy Drug Formulary

Preventive Drugs

HSA/FSA Documents

Health Savings Account

Flexible Spending Accounts

Dental Documents

DPPO

DHMO

SIMNSA

Perks, Programs, and Information

Vision Documents

EyeMed Base Plan

EyeMed Buy-up Plan

Perks and Information

Life & Disability Documents

Life and AD&D

Short-term and Long-term Disability Benefits Summaries

Short-term and Long-term Disability Plan Booklets

Additional Information

Work/Life Documents

Accident

Critical Illness

Hospital Indemnity

Pet Insurance

LegalEASE

EAP

Employee Assistance Program

Financial Wellness

401(k)

Perkspot

Wellness

Monthly Wellness Newsletters

COBRA, Compliance & Medicare

Compliance Notices

Medicare Part D Notices

401(k) Documents

COBRA

Health and Welfare Benefit Plan Summary Plan Description

Holiday Calendar

Holiday Calendar

Your Benefits

Click an icon below to view that benefit.

Welcome to Open Enrollment

Enroll between 11/4 - 11/15

Medical

Personify PPO

Personify HDHP

Kaiser HMO (CA-Only)

SIMNSA HMO (San Diego Plant Only)

Prescription Drug

HSA/FSA

Dental Plans

DPPO

DHMO

SIMNSA

Vision Plans

EyeMed Base Plan

EyeMed Buy-up Plan

Life & Disability

Financial Wellness

Included Benefits:

Work/Life Benefits

Included Benefits:

Employee Assistance Program

Wellness

Compliance

Medical/Rx Plan Details

In-Network Plan Details

Personify PPO

Deductible

Out-of-Pocket Maximum

Company HSA Contribution

Weekly Premium

Personify HDHP