Here, you belong.
Welcome to a place that
grows with you.
We treat people like family—because your whole life matters. Your health, your finances, your growth, and more. We’re here for all of it. Since you are new to Rich’s, you may be eligible for benefits in both 2025 and during Open Enrollment for 2026 benefits. This means, you’ll need to enroll twice—once for each plan year. Please go to Alight for complete details and enrollment options.
paycheck
Weigh your options based on your expected needs. You can pay more each paycheck to spend less when you get care or pay less each paycheck and more at the time of treatment.
expenses
Utilize available options to help with out-of-pocket costs you may not have planned for, including voluntary benefits like Hospital Indemnity, Critical Illness, and pre-tax savings accounts (HSA/FSA).
Collective Health will be available 24/7 to help you find providers, check coverage, and understand your prescription costs.
Choosing coverage for
real-world situations.
Everyone’s health needs are different. Here’s how to think through your options based on what life might look like for you—or your family.
Whether you’re planning for fertility treatments, pregnancy, adoption, or postpartum care, choosing the right health plan now can make every step easier and more affordable.
Do you prefer higher paycheck costs with lower out-of-pocket care—or lower paycheck costs with higher care expenses?
Compare plans and download our tool to review what plan and coverage makes the most sense for you and your budget.
Does the plan cover the hospital or birth center you want, and what are the costs for delivery, C‑section, or newborn care?
Collective Health can assist you with searching the physician network or you can search the Highmark BCBS network by following these steps:
Visit: myproviderconnect.com/find-a-doctor
Select “Choose a location and plan” and enter your address, city or zip code. Then, confirm “Yes, this is correct.”
On the "Find your plan by prefix" tab enter “JRT” into the provided boxes and continue.
Are fertility medications, prenatal vitamins, and other prescriptions on the preferred drug list—and what will they cost?
Explore prescription coverage with the assistance of Collective Health.
Budgeting for copays, delivery costs, breast pumps, and baby supplies?
Consider a plan with a Flexible Spending Account or Health Savings Account (HSA) to help.
In addition, supplemental health benefits, like hospital indemnity coverage, offer extra financial protection by paying a lump sum hospitalization stays.
If you’re adding a new baby to your benefits, should you consider setting aside money in a Dependent Care FSA (DCFSA) to help cover daycare or other childcare expenses with pre-tax dollars?
Here are a few advantages to using an FSA:
- Tax savings – The money you put in is pre-tax, so it lowers your taxable income.
- Covers child & adult care – You can use it for daycare, preschool, after-school programs, summer day camps, or care for elderly or disabled dependents.
- Helps offset big monthly costs – Since childcare and dependent care can be expensive, this account helps reduce the financial burden.
Is it time to update or create a will?
Explore estate planning via the MetLife Legal Plan.
Fertility struggles, pregnancy, and postpartum can be emotional. Would therapy or counseling be helpful for you or your family?
Learn more about our Confidential Assistance Program through Spring Health, with resources that support your mental health as you navigate your care journey.
Does the plan include fertility support, IVF coverage, pregnancy programs, or lactation consultations?
Rich’s medical plans provide coverage to support the family forming needs of our associates. You can explore available coverage with the assistance of Collective Health.
If you’re managing heart disease, recovering from a cardiac event, or focusing on prevention, the right health plan can help you access the care and support you need—without added stress.
Do you prefer higher paycheck costs with lower out-of-pocket care—or lower paycheck costs with higher care expenses?
Compare plans and download our tool to review what plan and coverage makes the most sense for you and your budget
Are your cardiologists, surgeons, or other key providers in‑network?
Collective Health can assist you with searching the physician network or you can search the Highmark BCBS network by following these steps:
Visit: myproviderconnect.com/find-a-doctor
Select “Choose a location and plan” and enter your address, city or zip code. Then, confirm “Yes, this is correct.”
On the "Find your plan by prefix" tab enter “JRT” into the provided boxes and continue.
Does the plan cover the hospitals you’d turn to for urgent or intensive cardiac care?
The charts on the 2026 Benefits page show how the plans cover each of these options. Collective Health can also help you determine what's covered.
Are your heart medications on the preferred drug list, and what will they cost?
Explore prescription coverage with the assistance of Collective Health.
Will the plan support you with coverage for advanced treatments and specialized care, including cardiac care and transplants?
Explore the Blue Distinction Centers of Excellence program through Highmark with the help of Collective Health.
Would a Health Savings Account (HSA) or Flexible Spending Account (FSA) offset recurring costs for prescriptions, copays, and treatments?
Both an HSA and an FSA have advantages to helping offset recurring medical costs. Here are a few things to consider:
- HSA must be paired with a high-deductible health plan
- FSA does not require a certain medical plan
Key difference: If you need flexibility right away for frequent expenses, an FSA is helpful. If you want to build a long-term cushion for ongoing or future healthcare costs, an HSA is a useful option.
Would critical illness or hospital indemnity coverage provide extra financial protection if you face unexpected heart‑related events?
Explore supplemental insurance options with MetLife. Supplemental health benefits like critical illness or hospital indemnity coverage aren’t replacements for medical insurance, but they can provide extra financial protection, which is especially helpful for someone managing a chronic condition.
Heart health challenges can be stressful. Would therapy or counseling be helpful for you or your family?
Learn more about our Confidential Assistance Program through Spring Health, with resources that support your mental health as you navigate your care journey.
Looking for support to stay on track with healthy eating and exercise?
Personify Health makes it easy to track steps and nutrition while earning rewards for healthy habits. Connect your phone or favorite device, sync with apps like MyFitnessPal, or explore guided programs and recipes to build lasting wellness routines.
If you’re dealing with chronic pain, mobility issues, or recovering from an injury, the right health plan can make it easier to get the treatments, therapy, and support you need.
Do you prefer higher paycheck costs with lower out-of-pocket care—or lower paycheck costs with higher care expenses?
Compare plans and download our tool to review what plan and coverage makes the most sense for you and your budget.
Are your orthopedists, rheumatologists, or other key providers in‑network?
Collective Health can assist you with searching the physician network or you can search the Highmark BCBS network by following these steps:
Visit: myproviderconnect.com/find-a-doctor
Select “Choose a location and plan” and enter your address, city or zip code. Then, confirm “Yes, this is correct.”
On the "Find your plan by prefix" tab enter “JRT” into the provided boxes and continue.
Does the medical plan provide coverage for hospital stays, urgent, or intensive care?
The charts on our 2026 Benefits page show how the plans cover each of these options.
Are your pain relievers, anti‑ inflammatories, or osteoporosis medications on the preferred drug list, and what will they cost?
Explore prescription coverage with the assistance of Collective Health.
Do you need help to pay for copays, braces, supports, and ongoing treatments?
Both an HSA and an FSA have advantages to helping offset recurring medical costs. Here are a few things to consider:
- HSA must be paired with a high-deductible health plan
- FSA does not require a certain medical plan
Key difference: If you need flexibility right away for frequent expenses, an FSA is helpful. If you want to build a long-term cushion for ongoing or future healthcare costs, an HSA is a useful option.
Does the plan include coverage for physical therapy, occupational therapy, or post‑surgical rehab?
Collective Health can assist you in determining which plans cover these therapies.
Living with chronic pain or mobility challenges can affect your mood. Would therapy or counseling be helpful for you or your family?
Learn more about our Confidential Assistance Program through Spring Health, with resources that support your mental health as you navigate your care journey.
Do you want extra financial protection if you face a fall, fracture, or surgery?
Explore supplemental accident or hospital indemnity insurance with MetLife. Supplemental health benefits like accident or hospital indemnity coverage aren’t replacements for medical insurance, but they can provide extra financial protection, which is especially helpful for someone managing a chronic condition.
If you’re facing cancer treatment or recovery, the right health plan can ensure you have access to the specialists, therapies, and support you need at every step.
Do you prefer higher paycheck costs with lower out-of-pocket care—or lower paycheck costs with higher care expenses?
Compare plans using the chart on our 2026 Benefits page and download our tool to review what plan and coverage makes the most sense for you and your budget.
Are your oncologists, surgeons, and key specialists in‑network and accepting new patients?
Collective Health can assist you with searching the physician network or you can search the Highmark BCBS network by following these steps:
Visit: myproviderconnect.com/find-a-doctor
Select “Choose a location and plan” and enter your address, city or zip code. Then, confirm “Yes, this is correct.”
On the "Find your plan by prefix" tab enter “JRT” into the provided boxes and continue.
Does the plan include major cancer centers or the hospitals you’d rely on for surgery, infusions, or complications?
Collective Health can assist you with learning more about Highmark BCBS’s Blue Distinction Network for cancer treatment options.
Are your chemotherapy drugs, targeted therapies, or anti‑nausea meds on the preferred drug list—and what will they cost?
Explore prescription coverage with the assistance of Collective Health.
Can you consult with providers for second opinions?
For second opinions contact, 2nd.MD or call 1.866.887.0712.
Consider a Health Savings Account (HSA) or Flexible Spending Account (FSA) to offset costs for medications, copays, and supportive care.
Both an HSA and an FSA have advantages to helping offset recurring medical costs. Here are a few things to consider:
- HSA must be paired with a high-deductible health plan
- FSA does not require a certain medical plan
Key difference: If you need flexibility right away for frequent expenses, an FSA is helpful. If you want to build a long-term cushion for ongoing or future healthcare costs, an HSA is a useful option.
Does the plan cover clinical trials, home infusion, palliative care, rehabilitation services, or wigs?
Explore options with the assistance of Collective Health.
A cancer diagnosis can be overwhelming. Would therapy or counseling be helpful for you or your family?
Learn more about our Confidential Assistance Program through Spring Health, with resources that support you as you navigate your care journey.
Do you want extra financial protection during treatment and recovery?
Explore supplemental accident, disability, or hospital indemnity insurance with MetLife. Supplemental health benefits like critical illness, accident, or hospital indemnity coverage aren’t replacements for medical insurance, but they can provide extra financial protection, which is especially helpful for someone managing a chronic condition.
If you’re managing a chronic condition, the right health plan can provide access to the care, guidance, and resources you need to stay on track and protect your long-term health.
Do you prefer higher paycheck costs with lower out-of-pocket care—or lower paycheck costs with higher care expenses?
Compare plans using the chart on our 2026 Benefits page and download our tool to review what plan and coverage makes the most sense for you.
Are your endocrinologist, dietitian, or other key providers (like cardiologists or weight‑management specialists) in‑network?
Collective Health can assist you with searching the physician network or you can search the Highmark BCBS network by following these steps:
Visit: myproviderconnect.com/find-a-doctor
Select “Choose a location and plan” and enter your address, city or zip code. Then, confirm “Yes, this is correct.”
On the "Find your plan by prefix" tab enter “JRT” into the provided boxes and continue.
Does the plan include coverage for the hospitals you’d rely on for complications or emergencies?
Explore coverage options with the assistance of Collective Health.
Are your daily medications (insulin, GLP‑1s, statins, etc.) on the preferred drug list—and what will they cost?
Explore prescription coverage with the assistance of Collective Health.
Can you connect with providers, nutritionists, or coaches virtually for check‑ins and follow‑ups?
Learn more about Teladoc from Collective Health.
Personify Health makes it easy to track steps and nutrition while earning rewards for healthy habits. Connect your phone or favorite device, sync with apps like MyFitnessPal, or explore guided programs and recipes to build lasting wellness routines.
Do you need help to pay for supplies (test strips, glucose monitors), copays, and treatments?
Consider a plan with a Flexible Spending Account (FSA) to help set aside funds to cover out-of-pocket costs. FSAs have advantages to helping offset recurring medical costs:
- Immediate access to funds – Your entire annual election is available at the start of the plan year, even if you haven’t contributed it all yet.
- Tax savings– Contributions lower your taxable income, helping stretch your paycheck.
- Covers many chronic care needs – Doctor visits, copays, prescriptions, and certain medical supplies are eligible.
- Predictable budgeting – Helps set aside money specifically for recurring medical costs throughout the year.
You can reach out to Collective Health for more details on what is covered by your medical plan along with prescription drug coverage.
Does the plan include weight‑management support, diabetes education, nutrition counseling, or fitness programs?
You can explore care options with the assistance of Collective Health. Personify Health can also support you in making lasting lifestyle changes.
Managing a chronic condition can be stressful. Would therapy or counseling be helpful for you or your family?
Learn more about our Confidential Assistance Program through Spring Health, with resources that support you as you navigate your care journey.
Do you want extra financial protection if complications lead to hospital stays or time off work?
Supplemental health benefits like critical illness, accident, or hospital indemnity coverage aren’t replacements for medical insurance, but they can provide extra financial protection, which is especially helpful for someone managing a chronic condition.
Understand your eligibility.
Benefits vary—here’s why.
Because Rich’s has locations across the country, benefits can vary depending on a few things. What you’re eligible for depends on whether you’re a Core or Custom associate, where you work, how many hours you work, and if you're part of a collective bargaining agreement. If you're a temporary or seasonal associate, you may not be eligible—unless the law says otherwise.
Core Associates are eligible for benefits if regularly scheduled to work at least 16 hours per week.
Custom Associates are either covered by a collective bargaining agreement or not otherwise classified as Core Associates. In most cases, if you’re regularly scheduled to work 30 or more hours per week, you’re eligible for benefits—though this can vary by location. Custom Associates should check their collective bargaining agreement for details about benefits and eligibility.
Yes.
If you’re a Core Associate, your benefits kick in on the first of the month after your hire date. So, whether you start January 3 or January 30, your coverage begins February 1.
Custom Associates are eligible on the first of the month after 60 days. For example, if you’re hired on January 3, your benefits start April 1.
Note: Upon your hire date, you have 30 days to enroll in Rich’s benefits regardless of your waiting period.
It's your responsibility to know who you're allowed to cover under your medical, dental, vision, and other benefits. You can enroll dependents who meet the following criteria:
- Your spouse (unless you’re legally separated)
- Your domestic partner who lives with you and shares a committed household, even if you're not legally married*
- Your children under age 26, regardless of their student, marital, or employment status
- Your domestic partner’s children
- Your unmarried children age 26 or older who are unable to support themselves due to a physical or mental disability
*Note: The IRS considers health coverage (medical, dental, or vision) for the domestic partnership a taxable fringe benefit that must be included in the associate’s gross income. Please contact 1-800-445-2587, option #1, for more information.
Still have questions?
Reach out—our team is here for you.
My health
Your 2026 benefits at a glance: medical, dental, vision, and more.
My wellbeing
More than just benefits—it’s a support system.
My money
From daily savings to long-term security—we’ve got you covered.
We’re here to help.
