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OE closes Jul 7, 2026 · 19 days

Lumina Robotics · Benefits Guide

Your 2026 benefits, made simple.

Lumina Robotics invests in benefits that keep you and your family healthy, protected, and financially secure — from medical, dental, and vision to income protection and everyday perks. Explore your options below, estimate your costs, and ask our assistant anything. When you're ready, enroll through Employee Navigator before the deadline.

Effective date

June 9, 2026

Plans available

13

Prepared for

Lumina Robotics

Open Enrollment

Jun 9, 2026 —
Jul 7, 2026

Enroll or make changes to your elections for this plan year. Missing the deadline means waiting until the next open enrollment.

Eligibility & Coverage

Who Is Eligible For Benefits?

All full-time employees working 30+ hours per week are eligible for benefits on the first of the month following 30 days of employment.

When Does My Coverage Start?

Coverage begins the first of the month following 30 days of continuous employment.

Who Are My Legal Dependents?

  • Legal spouse or domestic partner
  • Dependent children up to age 26
  • Disabled dependents beyond age 26 with documentation

Qualifying Life Events (QLE)

Certain life changes allow you to update your benefit elections outside of open enrollment:

  • Marriage, divorce, or legal separation
  • Birth or adoption of a child
  • Loss of other coverage
  • A dependent gaining or losing eligibility

This is not an exhaustive list. You generally have 30 days from the event to make changes. Contact HR if you believe you've experienced a qualifying life event.

Savings & Spending Accounts

Select an account to learn how it works and what it covers.

How to Enroll

Log in to Employee Navigator to review your options, compare costs, and submit your elections before the enrollment deadline.

Enroll in Employee Navigator
01 / 10

Medical Plans

Choose coverage for routine care, prescriptions, and unexpected events.

MedicalChoosing the right medical plan

Compare your three options below. The PPO offers the broadest network with predictable copays, the HDHP pairs the lowest premiums with a generous HSA contribution for long-term savings, and the HMO delivers the lowest out-of-pocket costs at Kaiser facilities.

Lumina team reviewing benefit options together

Coverage Tier

At a Glance3 plans · Employee Only
Lumina PPO ChoiceBlue Cross Blue ShieldLumina HDHP with HSABlue Cross Blue ShieldLumina HMO SelectKaiser Permanente
Monthly Premium (Employee Only)$185/mo$85/mo$145/mo
Individual Deductible$500$1,600$0
Individual OOP Max$4,000$5,000$3,000
Primary Care Copay$25 copay10% after deductible$20 copay
Specialist Copay$50 copay20% after deductible$40 copay

Lumina PPO Choice

Blue Cross Blue Shield logo
PPOBlue Choice PPO Network
Provider

$185/mo

Employee Only

Monthly premium

Cost Summary
$500

Copays do not count toward your deductible.

$4,000
Primary Care / Specialist
$25 copay / $50 copay
Urgent Care
$75 copay
Emergency Room
$250 copay (waived if admitted)
Preventive Care
No Charge (in-network)

*Subject to deductible

Our most popular plan. Best for employees who see specialists regularly and want predictable copays.

Lumina HDHP with HSA

Blue Cross Blue Shield logo
HDHPBlue Choice PPO Network
Provider

$85/mo

Employee Only

Monthly premium

Cost Summary
$1,600

Copays do not count toward your deductible.

$5,000
Primary Care / Specialist
10%* / 20%*
Urgent Care
20%*
Emergency Room
20%*
Preventive Care
No Charge (in-network)

*Subject to deductible

Best value for healthy employees who want to build long-term savings. The employer HSA contribution often offsets the higher deductible.

HSA Eligible

Employer contributes $1,000/year

Lumina HMO Select

Kaiser Permanente logo
HMOKaiser Permanente Network
Provider

$145/mo

Employee Only

Monthly premium

Cost Summary
$0

Copays do not count toward your deductible.

$3,000
Primary Care / Specialist
$20 copay / $40 copay
Urgent Care
$50 copay
Emergency Room
$200 copay (waived if admitted)
Preventive Care
No Charge (in-network)

*Subject to deductible

Best for employees near Kaiser facilities who value simplicity and low out-of-pocket costs.

Swipe to see all 3 plans

Not sure which plan fits your situation? Use the Cost Calculator below to compare your estimated annual spend across plans.

Find Your Best Plan

Adjust your coverage and expected healthcare usage — we'll rank plans by estimated annual cost.

Coverage tier

Expected healthcare usage this year

Estimated annual cost — Average year

PremiumEst. out-of-pocket

Estimates are for comparison purposes only. Actual costs depend on providers, network status, and specific services.

Have procedures or ongoing conditions planned for this year?

02 / 10

Dental Plans

Preventive care covered 100% in-network — no waiting periods.

Coverage Tier

Delta Dental PPO Plus

Delta Dental logo
PPODelta Dental PPO Network
Provider
Cost Summary
Premium — Employee Only
$28/mo$336 / yr

Lumina covers 50% of the employee-only dental premium.

Coverage

$50

$2,000

$1,500

ServiceCoverage (In/Out)Waiting Period
Preventive (cleanings, exams, x-rays)-None
Basic (fillings, extractions)-None
Major (crowns, root canals, dentures)-None

Cigna Dental Care DHMO

Cigna logo
DHMOCigna Dental Care Access
Cost Summary
Premium — Employee Only
$14/mo
Premium — Employee + Spouse
$26/mo
Premium — Employee + Child(ren)
$30/mo
Premium — Family
$44/mo

Lumina covers 50% of the employee-only dental premium.

Coverage

Deductible

None

Annual Maximum

None

Ortho Lifetime Max

$1,800

ServiceYour CopayWaiting Period
Preventive (exams, cleanings, x-rays)$0None
Basic (fillings, extractions)$12 – $310None
Major (crowns, root canals, dentures)$330None

Copays shown are per visit / procedure. See your plan summary for the complete schedule.

Swipe to see all 2 plans

03 / 10

Vision Plans

Annual exams, frames every two years, contacts every year.

Coverage Tier

VSP Choice Plan

VSP Vision logo
VSP Choice Network
Provider
Cost Summary
Premium — Employee Only
$8.5$102 / yr
Benefits
Eye Exam
$10 copayOut-of-network: Up to $50 reimbursement
Frequency
Every 12 months
Eyeglass Lenses
$25 copay
Frequency
Every 12 months
Frames (or contacts, not both)
$200 allowance; you pay 20% beyond thatOut-of-network: Up to $70 reimbursement
Frequency
Every 24 months
Contact Lenses (or frames, not both)
$200 allowanceOut-of-network: Up to $105 reimbursement
Frequency
Every 12 months (in lieu of lenses)

You can use the allowance for frames OR contacts — not both in the same benefit period.

Benefits shown are for in-network providers. Out-of-network reimbursement amounts shown where available.

One of the most affordable vision plans available. Great coverage for glasses and contacts.

Good to KnowGlasses or contacts — your choice

Your $200 allowance applies to frames or contacts (not both in the same year). Ask about the 20% second-pair discount if you need both.

Basic Life & AD&D

ProtectionProtecting your family

Every employee gets $50,000 in basic life insurance at no cost. During open enrollment, you can add voluntary coverage up to $200,000 with no medical questions — guaranteed issue.

Basic Life & AD&D

Lincoln Financial logo
Employer PaidAD&D

Basic Life & AD&D

$50,000

AD&D: $50,000

Coverage reduces with age

65: 65% of original70: 50% of original

Employer contribution: 100% employer-paid

Voluntary Life & AD&D

Employer-paid Basic Life plus optional Voluntary coverage.

ProtectionProtecting your family

Every employee gets $50,000 in basic life insurance at no cost. During open enrollment, you can add voluntary coverage up to $200,000 with no medical questions — guaranteed issue.

Voluntary Life & AD&D

Lincoln Financial logo
Employee PaidAD&D

Voluntary Life & AD&D

Employee
Increments$10,000 increments
Maximum$500,000 or 5x annual salaryx salary, whichever is less

Guaranteed Issue

$200,000

No medical exam required up to this amount

Spouse
Increments$5,000 increments
Maximum$250,000

Guaranteed Issue

$50,000

No medical exam required up to this amount

Children
Increments$2,000 or $5,000 or $10,000
Maximum$10,000

Guaranteed Issue

$10,000

No medical exam required up to this amount

Rates based on age. Enroll up to $200,000 with no health questions during open enrollment.

06 / 10

Hospital Indemnity Plans

Fixed cash payments for hospital stays.

Coverage Tier

Hospital Indemnity Plan

AflacFixed IndemnityPortable
Monthly Rates
Employee Only
$24.50/mo

Voluntary — supplements your medical plan for hospital stays.

Key Benefits
Hospital confinement — admission (lump sum)
Up to $1,500
Hospital confinement — per day
Up to $200
Hospital confinement — max days
30 days
Hospital Stay Scenario

$1,900

2-night hospital stay indemnity cash

* Illustration only. Actual benefits depend on plan terms.

Why It MattersCash when you need it most

Hospital indemnity pays you directly — use the cash for medical bills, your mortgage, childcare, or anything else while you recover.

07 / 10

Accident Plans

Coverage Tier

Accident Insurance

AflacAccidentPortable
Monthly Rates
Employee Only
$9.50/mo

Voluntary — affordable protection against the out-of-pocket costs of accidents.

Key Benefits
Maximum
Up to $4,000
Open
Up to $3,000
Physician follow-up visit
Up to $50
Diagnostic imaging
Up to $150
Broken Arm Scenario

$4,300

in accident cash (non-surgical path)

* Illustration only. Actual benefits depend on plan terms.

Active FamiliesFor weekend warriors and busy kids

Accident insurance pays fixed cash benefits for ER visits, fractures, dislocations, and more — on or off the job. Great for active families and youth sports.

08 / 10

Critical Illness Plans

Critical Illness Plan

AflacCritical IllnessPortable
Coverage Summary
Employee Benefit Amount
$20,000
Spouse Benefit
50% of employee benefit
Child Benefit
25% of employee benefit
Covered Conditions
6 across 3 categories
Guarantee Issue
$20,000
Wellness Benefit
$75/yr

Voluntary — consider it if you have a family history of cancer or heart disease.

Peace of MindFinancial protection for serious diagnoses

Critical illness insurance pays a lump sum directly to you upon diagnosis — use it for treatment, travel, living expenses, or anything your family needs. Plus a $75 annual wellness benefit just for getting a screening.

09 / 10

Short-Term Disability Plans

Income replacement during a brief illness or injury.

Group Short-Term Disability

Lincoln Financial logo
Short-TermEmployer Paid
How the Benefit Works
Benefit Amount
60% of weekly salary
Weekly Maximum
$1,500
Elimination Period (Accident)
0 days
Elimination Period (Sickness)
7 days
Benefit Duration
13 weeks
Employer Contribution
100% employer-paid

Employer-paid. Protects your income during a short-term illness or injury.

Estimate Your Weekly Benefit
10 / 10

Long-Term Disability Plans

Continued income protection for extended disabilities.

Group Long-Term Disability

Lincoln Financial logo
Long-TermEmployer Paid
How the Benefit Works
Benefit Amount
60% of monthly salary
Monthly Maximum
$10,000
Elimination Period
90 days
Benefit Duration
To age 65
Employer Contribution
100% employer-paid

Employer-paid. Long-term income protection if a serious disability prevents you from working.

Estimate Your Monthly Benefit
Coordination

LTD benefits begin after the 90 days elimination period. Short-term disability or accrued leave typically covers this waiting period.

Additional Resources

WellnessLumina Wellness Program

Every employee has access to our wellness platform: fitness class reimbursements up to $600/year, mental health support through Spring Health, and a $200 annual wellness stipend for whatever keeps you well.

Healthy eating and an active lifestyle
SupportEmployee Assistance Program (EAP)

Confidential counseling and support — available 24/7 at no cost through ComPsych. Short-term counseling, legal consultation, financial planning, and work-life referrals for you and everyone in your household.

Lumina team collaborating in the office
401(k)401(k) Retirement Plan

Lumina matches 100% of the first 5% of salary you contribute to the 401(k) through Fidelity — immediately vested. Traditional and Roth contributions are both available.

Benefits 101New to all this terminology?

Deductible, coinsurance, out-of-pocket max — we keep the jargon to a minimum, but this glossary explains every term in plain English.

A plain-English glossary of common health-insurance terms.Open the benefits glossary

HR Contact

Maya Okafor

maya.okafor@luminarobotics.example(415) 555-0173