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Medical, dental and vision coverage
Comprehensive medical, dental and vision coverage to support you and your family, with options to fit your needs and help you manage care with confidence.
Medical and Prescriptions
We offer two medical plans through Blue Cross Blue Shield, along with prescription drug coverage through Express Scripts to help manage healthcare costs.
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Dental
Our dental plans cover 100% of preventative care visit costs.
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Vision
Maintain eye health with vision plans that provide coverage for exams, lenses and frames.
Fertility care
Because every path to parenthood should be accessible. Our medical plans include coverage for a range of advanced fertility treatment options.
Gender-affirming care
We’re committed to inclusive health coverage. Our medical plans include coverage for medically necessary gender-affirming care, supporting your health, well-being and identity
Additional coverage add-ons
Be prepared for life’s unexpected moments with coverage that goes beyond your medical plan.
Benefits spotlight
- Teledoc
- Medical Ally
- Health Pro
Select continent
Benefits spotlight: Teledoc
24/7 access to care with Teladoc Health. Connect with medical providers for non-emergency medical needs, mental health support and more without leaving home.
Medical Ally
Medical Ally provides expert guidance to help you understand your diagnosis, explore treatment options and feel confident in your medical decisions.
Health Pro
Health Pro connects you with a dedicated expert who helps you review medical bills, find cost-saving options and understand your coverage.
Details of health coverage
Coverage built to support your health today and your goals for tomorrow.
Our medical benefits are designed to give you comprehensive coverage, protect you from unexpected costs, and provide access to specialized care when you need it most.
Komatsu offers two medical plan options to choose from. Each plan is paired with a health account that includes wellness-based contributions from the company to help you pay for eligible medical and prescription expenses. Since these accounts work differently, it’s important to understand how each one functions.
PPO Plan: A traditional PPO plan paired with a Health Reimbursement Account (HRA).
HSA Plan: A health plan paired with a Health Savings Account (HSA).
Both plan options are administered by Blue Cross Blue Shield of IL and use the same network of providers. You can search for network providers at bcbsil.com.
Comparing Your Options: PPO vs. HSA
| PPO(Prefered Provider Plan) | HSA (Health Savings Account Plan) |
| 1. More upfront Coverage | 1. Lower payroll contrubition |
| 2. Lower deductible — The amount of money you have to pay before the plan pays is less than the HSA Plan. | 2. Higher deductible — The amount of money you have to pay before the plan pays is more than the PPO Plan. |
| 3. Prescriptions — No deductible applies for prescriptions. | 3. Prescriptions — You have a combined medical and prescription deductible to meet before the plan begins paying. |
| 4. Costs more per paycheck — Because of the higher level of coverage, the plan costs more per paycheck. | 4. Costs less per paycheck — More control over your health means it costs less per paycheck. |
| 5. Includes a Health Reimbursement Account (HRA) | 5. Includes a Health Savings Account (HSA) |
| HRA (Health Reimbursement Account) | HSA (Health Savings Account) |
How the account works — As you use medical services and fill prescriptions, the plan automatically applies your company-provided HRA dollars toward expenses until the account is depleted. If you use all of the money in your account, you will pay any additional expenses (deductible, coinsurance or copays) out of your pocket. Contributions* — If you qualify for the wellness reward, Komatsu contributes to your HRA each year based on your coverage level ($200 for single, $400 for family). See page 8 for wellness reward details. You cannot make contributions to the account. However, unused HRA dollars roll to the next year, as long as you remain in the PPO Plan. There is no limit on how high your HRA balance can grow. If you change medical plans or leave the company, unused money in your account will be forfeited. | How the account works — You decide if you want to use your HSA dollars toward eligible health care expenses or save the money for future needs. Money goes into the HSA tax-free, grows tax-free with interest or earnings, and remains tax-free when used on eligible expenses. You can easily access your account dollars with the HSA debit card. Contributions** — Komatsu contributes to your HSA each year based on your coverage level ($300 for single, $600 for family). Complete the wellness activities to receive an additional $200 for single or $400 for family. You may also make pretax contributions to your account each pay period. The money in this account remains yours, even if you leave the company. |
Save more on prescription medications with Express Scripts
Express Scripts provides online tools to help you find the best price for your prescription medications. Start saving at express scripts.com/frontend/open-enrollment/Komatsu.
For additional information on how to take control of your prescription plan or any other questions about your account or coverage, visit express-scripts.com, download the Express Scripts mobile app or call the Member Services number on your digital ID card
Flexible Spending Accounts (FSA): Tax savings for health care and daycare expenses
An FSA is an easy way to set aside pretax money to pay for health care or dependent care expenses. You choose how much you want to contribute each pay period (before taxes). Plan your contributions carefully — unused funds that exceed the carryover limit are forfeited, although you do have until March 31 of the next year to submit expenses for reimbursement.
Health care FSA is available to any employee enrolled in the PPO.
The health care FSA reimburses you for eligible medical, prescription, dental and vision care expenses, including deductibles and copays.
Expenses for all covered family members are considered eligible.
You must re-enroll every year to participate.
You can use the health care debit card to pay for eligible expenses at point of purchase or submit claims for reimbursement.
Annual contribution limits may change year to year.
Only a certain amount of unused funds can be carried over into the next year.
FSA for dependent care and elder care
The dependent care FSA covers expenses, such as day camp and daycare, for children up to age 13. You may also use your dependent care FSA to pay for elder care expenses. This FSA does not cover health care related expenses.
With the dependent care FSA, you have access to your elected amount only after the money has been deposited into your account. You can contribute up to $7,500 per year pretax, but some or all of that amount may be taxable to you when you file your taxes.
If you’re married and file taxes separately, amounts over $3,750 are taxable.
If your spouse’s income is less than your contribution, amounts in excess of their income are taxable.
There is no carryover limit for a dependent care FSA, unused funds are forfeited at the end of the year.
Komatsu dental plans cover 100% of preventative care visit costs
Our Core Plan is best for individuals or families who like to stay on top of regular cleanings, expect minimal dental work and want to keep monthly costs down.
Primarily need routine preventive care
Don’t anticipate significant dental work
Want lower paycheck deductions
You are comfortable paying a larger share if major services are needed.
Our Buy-Up Plan is best for families or individuals who anticipate moderate to significant dental care and want more predictable out-of-pocket costs.
Expect fillings, crowns, oral surgery, or orthodontic treatment
Have children who may need braces
Prefer to pay less at the time of service
Want more cost protection if major care becomes necessary
Access plan details, check coverage, and manage your dental benefit at deltadentalwi.com. If you are new to registering your account, you will need your member ID to complete setup. This can be found on your dental insurance card.
Komatsu partners with EyeMed to provide employees with trusted vision care
We provide two in-network vision plan options:
Vision Core is best for individuals who want essential vision coverage and occasional eyewear support.
Low-cost co-payment required for exams
Prefer lower payroll deductions
Are comfortable paying a portion of eyewear costs
Vision Buy-Up is best for individuals or families who use their vision benefits consistently and want stronger coverage.
No copayment required for exams
Higher $ allowance towards frames or contacts
Prefer more coverage when purchasing eyewear
Manage vision benefits at EyeMed.com
Access coverage information anytime through the member portal: EyeMed Vision Benefits
Download the EyeMed Members App on your mobile device for on-the-go access to ID cards, prescription, exam reminders, and more.
Current employees may visit komatsu.benefitnow.com to learn more and access these resources.