Premium Only Participation Overiew

You will receive exactly the same insurance benefits, but the cafeteria plan puts the extra tax savings in your pocket each month. Participating in this category of the cafeteria plan can net you 25% savings on the dollar amount of each payroll deduction. Since you will not pay income tax on your insurance premiums, your take home pay will actually increase due to the tax savings that participation in the cafeteria plan allows. Note that you are NOT buying anything extra, you are NOT changing any of the insurance coverage you sign up for, and there is NO additional paperwork on your part to realize the savings.

Opt Out Feature

The MOCafe plan year is January 1 through December 31st. Open Enrollment is held from October 1 through December 1 each year. Cafeteria Plan requirements can be found in the Plan Summary document.

New Hires and/or Mid-Year Changes: