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Middle Child Employee Benefits Assistance

Welcome to your Middle Child benefits explained! With Domenick Financial, you’ll get the most out of your employee benefits without the headache.
Group Health Insurance

Group Health Insurance (And Dental) Plans

Vitable Health

Empl Acc Plan

Employee Accident Plan

Student Loan

Student Loan Consulting

Health Assist

Healthcare Assistance Program (Part-Time Employees Only)

Group Health Insurance Plans

View the different health insurance plans available to full-time employees below. Middle Child and Domenick Financial have crafted three separate plans that offer a variety of coverage.

Gold Health Plan

Gold Health Plan Info

View information about the Gold HMO Proactive Health Plan.

Silver Health Plan

Silver Health Plan Info

View information about the Silver PPO Classic health plan.

Bronze Health Plan

Bronze Health Plan Info

View information about the Bronze HMO Essential health plan.

Want to Add a Dental Plan?

We’ve got you covered. Middle Child offers an optional comprehensive dental plan through Principal Financial. If you opt into this benefit, the premiums will be deducted from your weekly pay.
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Vitable Essential Care

From the common cold to your mental health, Vitable has got you covered.

Connect with a board-certified nurse for non-emergency conditions directly through the app. Get immediate care for things like colds & flu, general physicals, sore throats, and more.

Vitable also helps with all of your mental health needs. Talk to a licensed therapist 7 days a week from wherever you are!

With Vitable, your mental and physical health care is more accessible than ever.

Healthcare Assistance Program for Part-Time Employees

Middle Child has partnered with Domenick Financial Services to assist in placing coverage through www.pennie.com.

Get Assistance With Your Healthcare Coverage

Pennie is the state-based health insurance marketplace that’s exclusively for Pennsylvania residents.

Middle Child and Domenick Financial recommend part-time employees use this marketplace.

If for some reason you do not qualify for a subsidy, Middle Child will subsidize a portion of the premiums for your health insurance. Domenick Financial Services is a certified broker on the exchange and will assist in placing your coverage. Give us a call if you would like help placing your coverage!

Schedule a ChatVisit Pennie

Employee Accident Plan

Middle child provides an optional catastrophic accident plan through Colonial Life. All employees qualify for this optional plan through a weekly deduction.

This plan will help with medical costs incurred in the event you need to go to the hospital as a result of an accident inside or outside of work. The Individual Accident Plan will pay in addition to workers’ compensation for accidents at work.

Benefits include but are not limited to:

Ambulance & Emergency Room Visit

Including hospital rooms, urgent care, and physician visits, and more.

Diagnostic Procedures

Things like X-rays, CT scans, and more.

Overnight Hospital Stays & Surgeries

Including multiple days (up to 365 days depending on the level and type of care).

Accident Follow-up Treatment

Including physical therapy, transportation, and telemedicine.
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Download the Group Accident
PDF Breakdown or Schedule a
Call with Domenick Financial.

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Student Loan Consulting

Through Domenick Financial Services, all Middle Child employees have access to GradFin for student loan consulting and refinancing.

GradFin provides guidance as to the most efficient ways to address your student loans moving forward. If need be they can help you refinance your student loans to save you money over time.

Frequently Asked Questions

Get your questions answered about health insurance, workers’ comp, and more. For any further questions about any of these topics, or if there’s anything else you’d like to discuss, please feel free to schedule a meeting with us at Domenick Financial. We’re here to assist you at every step!

Can I ask a stupid question?

There are no stupid questions; every query you have is important to us. We’re here to help you with any concerns or information you need, no matter how simple or complex it might seem.

Where do I go to find out which dentist, doctor, emergency room, etc. are in the network? Where is this information listed?

Sign up or log in through the company-specific mobile app or website to access the link to find provider information.

When do I use Vitable and when do I use my health insurance provided by MC?

All preventative care, as per Pennsylvania state law, is covered by your health insurance. Facility fees may apply. Anytime you have to see a doctor for a non-preventative medical issue, it will generally include out-of-pocket expenses. For a list of covered preventative services through your insurance go to: https://www.healthcare.gov/coverage/preventive-care-benefits/

For non-preventative care that does not require treatments, Vitable includes as part of your subscription fee.

How do I file a claim for the accident coverage?

The accident claim form can be accessed on the Middle Child benefits page on their website here. Once filled out, submit it to Domenick Financial, and they will connect you with Colonial to start your claim process.

Can we add dependents on the benefits?

Per the Middle Child benefits plan, dependents can only be added to managers’ plans. If you need to add a dependent, please schedule a meeting with Domenick Financial.

Where can I access mental health benefits?

Depending on what health insurance plan you have, you may have a copay to see a therapist. However, to access short-term therapy solutions, Vitable offers a 10-week program with bi-weekly sessions.

How do I know if my prescription medication is covered?

Your prescriptions could be covered by either your health insurance and/or Vitable. To check to see if your prescriptions are covered and the cost of the coverage, refer to the health insurance app or reach out to Domenick Financial to check your coverage with Vitable.

How are emergency services covered under our plan?

They are covered under health insurance, but depending on what plan you have and which hospital you go to, you may have out-of-pocket costs or copays associated with your visit. If you opted into the accident plan, and if the emergency is due to an accident, you can file a claim on the accident plan to be reimbursed for out-of-pocket costs for utilizing emergency services.

Is telehealth included in my health insurance plan? What are the benefits of a Telehealth visit?

Yes! Telehealth can be accessed through your health insurance or Vitable. The purpose of telehealth is to meet with a doctor for more immediate issues that do not require an in-person visit. This is generally a cheaper alternative to in-office appointments and can usually be scheduled faster.

Can I change my coverage plan mid-year?

You cannot change health insurance mid-year unless you have a qualifying life event. If you have questions about specific qualifying life events, contact Domenick Financial.

Where can I access information about Workers' Comp?

Right here! The information you would need to submit a workers’ compensation claim is listed below:

If injured at work, and needing to seek medical attention from a hospital, urgent care, or doctor, here are the steps you should take:
 
1) Make sure a manager is notified so that Middle Child can make an “incident report” for future reference.
2) When at the healthcare facility, you should provide them with the Workers Comp Insurance information provided to you during onboarding and via the Domenick Financial website. You likely won’t have a “claim number” yet, but you can often reference our policy number instead. You should not need a claim number to receive treatment.
3) Take any bills and reports home with you, and send a copy of them to your Team Manager, General Manager, and Ownership.
4) Middle Child will report the claim to insurance right here using the Worker’s Compensation Worksheet.
5) When you’re feeling up to it, go online and register for “MyTravelers for Injured Employees.” This is an online tool to help our insurance providers get in touch with you, if need be.
6) If you have to miss work as a result of your injury, you’ll work with the Team Manager, General Manager, and Ownership, to come up with a plan for coming back.
7) If you receive any more bills from the healthcare facility, continue sending them to your Team Manager, General Manager, and Ownership. It’s best to follow up to your original email so they’re all in one place!
8) Middle Child will upload additional files right here.
 
Workers Comp Insurance Provider Information, for 2024
 

INSURANCE PROVIDER: TRAVELERS
INSURANCE CONTACT NAME: TC Irons Co., Dan Rosato
INSURANCE CONTACT EMAIL: drosato2@tcirons.com
INSURANCE PHONE NUMBER: (609) 953-2282
POLICY NUMBER: UB-0X672897-23-42-G
ADDRESS: 1112 SPRUCE ST, APT 3, PHILADELPHIA, PA 19107

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Schedule a Call with Domenick Financial

Use the Calendly form below to schedule a call with Domenick Financial to discuss any of the Middle Child benefits mentioned above.

All conversations are kept strictly confidential.

New Employee Form

New employees of Middle Child can submit the form below to chat with a benefits specialist from Domenick Financial.