2021 Benefits & Perks

When it comes to creating opportunity and wealth for our team, Spreetail works hard to enhance your employee experience through benefit programs and perks that provide meaningful support and allow you to be successful in your work.

Aside from cash, Spreetail offers some pretty great benefits to thank you for your contributions to the company’s success. Some are traditional, and some are extra special.

Your Health

Your Health

Our insurance options ensure that you and your family members have access to the best medical, dental, and vision care available.

Your Wealth

Your Wealth

We’ll help protect your home, family, and funds so you can have peace of mind and the ability to focus on doing what you love most.

Your Wellness

Your Wellness

We provide options for fun and development to keep your mind clear, your body healthy, and your growth constant.

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When you’re ready, log in and complete the online enrollment forms. Click here to sign in to Dayforce and get started!

Your Health

Spreetail will now offer two medical plans – PPO and HDHP (HSA) – provided by Aetna; both have the same great network of providers.

In addition to offering an HDHP for the first time, Spreetail will contribute $500/year to an employee’s Health Savings Account (HSA) when they enroll in Employee Only coverage and $1,000/year when enrolling with one or more dependents.  An HSA will automatically be opened with Navia once you enroll in the HDHP.  Please notify HR if you are also enrolled in another medical plan (parents, spouse, Medicare, etc.) as it may limit your eligibility to receive HSA contributions.

Employees are eligible to enroll on the first day of the month after their hire date, with company wide open enrollment typically held in November or December.  Please take the time to register at Aetna.com and create your personal account.  When searching for in-network providers the system will know your plan and show you accurate results.

Spreetail covers the full premium for the employee and half the premium for their spouse and/or dependents.

Medical Plan Comparison Aetna PPO Aetna HDHP
Benefits In Network Out of Network In Network Out of Network
Lifetime Maximum Benefit Unlimited Unlimited
Deductible embedded embedded
    Individual $1,500 $3,000 $2,800 $3,000
    Family $3,000 $6,000 $5,600 $6,000
Out of Pocket Maximum 
    Individual $3,000 $6,000 $4,000 $6,000
    Family $6,000 $12,000 $8,000 $12,000
Co-Insurance 20% 40% 20% 50%
Office Visit $15/$40 Ded + 40% Ded + 20% Ded + 50%
Urgent Care $60 Ded + 40% Ded + 20% Ded + 50%
Preventive Services/ Well Baby Care No Charge Ded + 40% No Charge Ded + 50%
Lab and X-ray No Charge Ded + 40% Ded + 20% Ded + 50%
MRI/CT/PET Ded + 20% Ded + 40% Ded + 20% Ded + 50%
Hospitalization Ded + 20% Ded + 40% Ded + 20% Ded + 50%
Outpatient Surgery Ded + 20% Ded + 40% Ded + 20% Ded + 50%
Emergency Room $125 (Waived if admitted) then Ded + 20% Ded + 20%
Acupuncture Not Covered Not Covered Not Covered Not Covered
Chiropractic Services $20 Ded + 40% Ded + 20% Ded + 50%
- Rx Deductible*
- Generic $10 Copay + 20% Ded + 20% Ded + 50%
- Brand $30 Ded + 20%
Non-formulary $50 Ded + 20%
RATES PER PAY PERIOD Monthly Bi-Weekly Monthly Bi-Weekly
Employee Only $0.00 $0.00 $0.00 $0.00
Employee & Spouse $209.49 $96.69 $180.99 $83.53
Employee & Child(ren)  $142.84 $65.93 $123.41 $56.96
Family  $342.82 $158.22 $296.19 $136.70

Spreetail offers dental insurance through Principal, which has one of the nation’s largest provider networks. You will save the most money by selecting a dentist that is “in-network.”

Spreetail covers half of the premium for the employee, spouse, and/or dependents.

Dental Principal DPPO
Benefits In Network Out of Network
Annual Max $1,500
Orthodontia Lifetime Max Not Covered
- Preventive $0
- Basic (Individual/Family) $50/$100 $50/$100
- Major (Individual/Family) $50/$100 $50/$100
- Preventive 100%
- Basic  80% 80%
- Major 50% 50%
- Orthodontia Not Covered
Important Provisions
- Endodontic Services Basic
- Periodontal Maintenance Basic
- Periodontal Surgery Basic
- Oral Surgery (Simple Extractions) Basic
- Oral Surgery (Complex Extractions) Basic
Usual & Customary Negotiated Fee 90th Percentile
RATES PER MONTH Monthly Bi-Weekly
Employee Only $13.29 $6.13
Employee & Spouse $26.02 $12.01
Employee & Child(ren)  $21.97 $10.14
Family  $34.12 $15.75

Like dental coverage, Spreetail offers vision insurance through Principal, which operates under the VSP network, the largest network of vision care providers in the U.S. You will save the most money by finding a provider that is “in-network.”

Spreetail’s vision insurance is employee-contribution only.

Vision Principal Voluntary Vision
Benefits In Network Out of Network
Office Visit Copay $10 $10
Materials Copay $25 $25
Eye Exam Reimbursement 100% up to $45
Lenses up to
- Single Vision Covered after 
- Bifocal $50
- Trifocal $65
Contact Lenses $150 $105
Frames Allowance $150 + 20% $70
Eye Exam Every 12 Months
Lenses Every 12 Months
Contact Lenses Every 12 Months
Frames Every 24 Months
Employee Only $5.82 $2.69
Employee & Spouse $12.23 $5.65
Employee & Child(ren)  $12.02 $5.55
Family  $19.66 $9.07

Employees enrolling in the Aetna HDHP plan will receive an HSA contribution from Spreetail ($500/year if enrolling by yourself and $1,000/year if enrolling with any dependents) to help offset your annual deductible, cover qualified medical/dental/vision expenses or save for the future.  The annualized contributions will be deposited based on your payroll frequency.  Contributions to your HSA are pre-tax contributions, which lower your taxable wages.

To receive these funds, you must enroll in the Aetna HDHP plan and cannot be enrolled in any other non-HDHP (i.e., spouse, parents, Medicare).  HSA members can also not have an active Health Care FSA (read more in the Flexible Spending Account section below).  Your HSA will automatically open with UMB Bank (through Navia) when you enroll in the Aetna HDHP.  Unused funds roll over every year and are owned 100% by you; unused HSA funds do not return to Spreetail, and they can be invested in several mutual funds offered by Navia/UMB (investment fees apply for balances under $3,000).

You can contribute pre-tax funds to your HSA in addition to Spreetail’s contribution up to the IRS annual limit. The IRS maximum HSA contribution for 2021 is $3,600 for individual, $7,200 for family.  If you are a new hire and enroll in the HDHP with an effective date before 12/1, you can make a full year contribution for that year.  However, you must then stayed enrolled in an eligible HDHP for the entirety of the following calendar year or risk a tax penalty.  Please reference UMB’s website for more information.  

If you currently have an HSA with another bank and would like to transfer the funds, please review the attached HSA Transfer-Rollover to the right.

When Spreetail opens an HSA for an employee, UMB Bank must verify the employees information per the USA Patriot Act. UMB Bank may reach out to you via email/mail asking you to confirm your identity. Please do NOT ignore these communications as your account will be closed unless you verify your information.

See IRS Publication 502, “Medical & Dental Expenses” for a complete list of expenses covered by your HSA

A Flexible Spending Account (FSA) allows you to make pre-tax deductions from payroll and then use those pre-tax funds to pay for eligible expenses.
Navia Benefit Solutions administers three separate FSA plans for Convoy employees:

• Health Care
• Limited-Purpose
• Dependent Care FSA

The plan year runs from 1/1/21 to 12/31/21. FSA plans follow the basic rule of “use it or lose it”. However, the Medical FSA plan has a $550 rollover provision from one plan year to the next. All out-of-pocket claims incurred during the plan year must be submitted within 90-days from the end of the plan year. All other eligible charges can be paid for with the provided debit card.

Once your annual election is made, it will be divided by the remaining pay periods of 2021 and be deducted from payroll. The IRS maximum FSA elections for 2021 is $2,750 for Medical FSA and $5,000 for Dependent Care FSA.

A Limited-Purpose health flexible spending account (referred to as a Limited-Purpose FSA) is for employees who are contributing to an HSA at any point during the plan year. Under a limited-purpose FSA, eligible expenses are limited to ONLY qualifying dental and vision expenses for you, your spouse, and your eligible dependents.


You will need Spreetail’s company code “RTA” when registering on Navia’s website to manage your account.

Additional information can be found by clicking on the “Navia Enrollment Kit” to the right, or under “More Info” in the banner above; just click on FAQ.

You can also see a full list of eligible expenses by clicking on the links below:

FSA Health Care: list of eligible and ineligible expenses 

Dependent Care: list of eligible and ineligible expenses  

Clever RX is 100% free to use. You can save up to 80% off prescription drugs and and potentially beat your insurance plan’s copay prices. 

All you need to do is follow the steps below to unlock exclusive savings: 

  • Download the free Clever RX app. Be sure to enter in your Group ID (3004) and Member ID (10822) to complete the process.
  • Enter your zip code and drug name/dose, and Clever RX checks for pharmacies near you that offer the lowest prices.  
  • Choose your preferred pharmacy and show your voucher on your screen to the pharmacist when you pick up your prescription.  

You can also share the Clever RX app with your family by clicking “share” at the bottom of the App.

Accepted at most pharmacies nationwide:

Please note, Clever RX cannot be used in conjunction with your Aetna health insurance plan. You would only use Clever RX if the price of the prescription under Clever Rx is less than your Aertna co-payment. Payments for prescriptions under the Clever RX program will not accumulate toward your deductibles or out of pocket maximum under your Aetna health insurance plan. Please contact ProCo should you have further questions regarding Clever RX. 

Your Wealth

Life insurance coverage is designed to help provide financial support and stability to your family should you pass away. Accidental Death & Dismemberment (AD&D) insurance provides an extra layer of protection if you die or become dismembered in an accident. You can also cover your eligible spouse and child(ren).

Spreetail offers Voluntary Life and AD&D insurance for all full-time employees and this benefit is 100% employee-paid. If this is the first time you are enrolling in Spreetail's benefits, the Standard will provide up to $150,000 of coverage without proof of health! 

At Open Enrollment, you can add 1-2 additional increments of coverage without needing to complete 'evidence of insurability', as long as your total election is below the guarantee issue amount ($150,000 for any employee and $25,000 for your spouse).

For You: You can purchase additional Life and AD&D coverage for yourself in increments of $10,000 up to a max of $500,000. 

For Your Spouse: You can purchase additional Life and AD&D coverage for yourself in increments of $5,000 up to a max of $250,000. Spouse rates are based on your age.

For Your Child(ren): You can purchase additional Life and AD&D coverage for yourself in increments of $2,000 up to a max of $10,000. 

For late enrollees or coverage amounts over Guarantee Issue, a covered member will need to complete an Evidence of Insurability (EOI) form and it must be approved by Standard. EOI allows the insurance carrier to determine the risk in offering you additional coverage. In some cases, a physical exam or blood work may be required. You can submit your EOI online here or download a paper copy here (you will need your election amounts, physician names and addresses, SSN, DOB, and Spreetail’s policy #164975)

Short Term Disability coverage replaces a portion of your income when you can't work because of a qualifying disability. Even if you're healthy now, it's important to protect yourself and the people who count on your income. This insurance can help you pay the bills when you're unable to work.

Spreetail offers voluntary short term disability insurance for all full-time employees. This benefit is 100% employee-paid.

Benefit: 60% of your eligible earnings, up to a maximum benefit of $1,731 per week

Benefit Duration: 90 days (the benefit period INCLUDES a 7 day waiting period)

IMPORTANT INFORMATION: If you do not enroll during your initial enrollment period (i.e., new hire), a newly covered member will be subject to a 60-day waiting period (versus seven days) during the first 12-months of the policy for non-accident related disabilities (i.e., Physical Disease, Pregnancy or Mental Disorder).  Your benefit period will still be 90-days, unless you also enroll in Vol LTD, in which case you would transfer to the LTD plan 90-days after your date of disability.

MATERNITY INFORMATION: The Standard will consider you disabled if you decide to stop working up to two weeks prior to your delivery date without a doctor's note. If you work until your delivery date and have a normal non-caesarean delivery, you are considered disabled for 6 weeks. This means in some instances when childbirth occurs during the benefit waiting period, benefits will be paid for less than six weeks. Please reference the Maternity FAQ if you have additional questions.

Long Term Disability coverage is designed to replace a portion of your income when you're disabled for an extended period of time due to a qualifying disability and help you get back to work when you're ready.  This insurance can help you pay the bills when you're unable to work. Whether you're out for a few months or several years, this benefit can help you protect your income.

Spreetail offers voluntary long term disability insurance for all full-time employees. This benefit is 100% employee-paid.

Benefit: 60% of your eligible earnings, up to a maximum benefit of $7,500 per month

IMPORTANT INFORMATION: If you do not enroll during your initial enrollment period (i.e., new hire), a covered member will need to complete an Evidence of Insurability (EOI) form and it must be approved by Standard. EOI allows the insurance carrier to determine the risk in offering you coverage. In some cases, a physical exam or blood work may be required. You can submit your EOI online here or download a paper copy here (you will need your election amounts, physician names and addresses, SSN, DOB, and Spreetail’s policy #164975)

At Spreetail, our team’s future financial position is important to us. Spreetail has chosen to invest in your future through UARS.

To reward you for the hard work you put into the company, we GIVE every employee units each year. You have the potential to earn up to 5% of your salary in these awards, and the best part is you don’t have to contribute a single penny to get them. As Spreetail grows (which we are pretty good at), so does your pocketbook.

Spreetail is excited to provide you the opportunity to invest in your future. Spreetail will continue to invest in your future through UARS, thus there is no employer match.

Spreetail partners will ForUsAll for our employee 401k program. Upon reaching eligibility, you will receive an email from ForUsAll to create an account and complete the process. You are not required to opt-in or out of this program - it is completely up to you!

  • Eligibility
    • Must be employed for 3 months
    • Must be 21 years of age
    • Open to all Spreetail Employees (including intern and seasonal)
  • Plan Types
    • 401k (Pre-tax)
    • Rothe IRA (Post-tax)

We want to celebrate your investment in buying a home. Once you have reached 2 years of employment at Spreetail, you are eligible to receive a one-time contribution of $5,000 toward your home purchase. This amount will be taxed at a bonus tax percentage and paid out 30 days after your closing date, on your next paycheck.

We want you to contribute to causes that you feel revolutionize your community. Starting your first day, Spreetail will match up to $250 each calendar year toward any nonprofit cause you choose. After working here for 3 and 5 years, you will be eligible for $500 and $1,000 in match funds, respectively.

ProCo Perks, powered by Beneplace, gives you access to several exclusive savings at theme parks such as Disneyland and Walt Disney World, with hotels, rental cars, retail, meal programs such as Blue Apron, education, movie tickets, sporting events, concert tickets, select dealerships such as BMW and that is just the beginning! There are over 400 different brands that offer exclusive discounts. Be sure to visit the site often as new discount deals are constantly being added.

How to sign up:

And begin saving!

Your Wellness

We work hard and play hard together. Spreetail has a standing monthly happy hour the third Friday of every month, as well as regular company outings for the team and our families.

As an hourly employee, you will be paid to take 20 days off every year. Each year on your anniversary date, you will earn an additional day, up to 30 days per year.

As a salaried employee, you are granted an untracked number of days off each year.

In addition to a generous vacation policy, Spreetail offers a few time-off benefits that go above and beyond:

  • Community Time Off: Spreetail will offer an additional 3 days of paid time off to be a volunteer with a 501c3 charitable organization of your choice.
  • Wedding Week: Spreetail will offer an additional 5 days of paid time off taken consecutively right before or right after your wedding date.
  • Parental Leave: Spreetail offers 12 weeks of paid Maternity leave and 3 weeks of paid Parental leave. This policy is run in conjunction with the Family and Medical Leave Act (FMLA).

At Spreetail we recognize that we have an open freeway of opportunity ahead of us. What has the largest potential to hold us back is how we navigate our journey, so we strive to provide all employees with the knowledge of our next destination and the tools to help us drive there. The more leaders we have at Spreetail, the easier this journey becomes.

Because of this, we continually add to our development opportunities to help our team members grow and make a bigger dent. We do this through several programs, including:

  • Leadership Development Program: Spreetail’s longest-running development program exposes participants to leadership principles and concepts through internal workshops, outside speakers, and the occasional field trip.
  • Career Mapping: This series of workshops leverages self-awareness tools to paint a picture of success, then equips participants with the tools and competencies necessary to build a game plan for their future.
  • Manager Development: These sessions are specifically focused on helping managers break down barriers for their team members and support their development.


Please contact your ProCo Account Manager, Lindsey Castelhano by phone at 650-289-3832 or email at lindsey.castelhano@proco.global.