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How the Plan Works

Your DGC Benefits Plan provides you and your family with valuable, affordable mental and physical health coverage and financial protection if you experience an illness, injury or disability. In this section, we explain how the plan works and what’s covered under each level.

Your HSA and Dollar Bank Work Together

Think of your dollar bank as a wallet, where you store money.

Your HSA is an added benefit that you can choose to spend your dollar bank money on.

Here’s a simplified overview.

PRODUCER CONTRIBUTIONS
AUTOMATIC COVERAGE LEVEL (BASIC COVERAGE, LEVELS I, II, III)

Your producer contributions determine which automatic coverage level you have each year.

EXCESS PRODUCER CONTRIBUTIONS

Excess producer contributions are pooled and then allocated to members’ dollar banks at the discretion of the Trustees.


No funds will be allocated to your dollar bank for the 2025 plan year.

DOLLAR BANK

If you have money in your dollar bank, you can choose how you want to spend it.

 

Money in your dollar bank does not expire; however, if you cease to be a member of DGC, then any unused money in your dollar bank is forfeited back to the plan.

SAVE IT FOR
FUTURE YEARS

ALLOCATE TO
YOUR HSA

Your HSA can be used to help pay for many health expenses that may not be covered by your coverage level.

UPGRADE YOUR COVERAGE LEVEL

Use your dollar bank $$ to upgrade for the year.

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