Insurance
Alpena Oil Company  (800) 968-1098

Full Time Employees
AOC currently offers a health insurance plan through Blue Cross/Blue Shield to full time employees (See Notes to Health Insurance for definition of full time employees.).  All full time employees who elect to participate must make co-payment in order to receive the Base Plan.  In additions, currently full time employees have the option to purchase upgrades to the insurance plan at an amount which will be determined from time to time by AOC.  All terms and conditions, including but not limited to coverage, co-pays and even the offering of insurance may be changed and/or eliminated from time to time by AOC. 

Full Time Office Staff, Drivers, Supervisors and Maintenance 
Full time Office Staff, Drivers, Supervisors and Maintenance may elect to participate in AOC's health insurance plan through Blue Cross/Blue Shield subject to the following co-payments:

Rates for Base Plan and Buying Up to a Better Plan for Calendar Year 2007

                         Single            Two            Family         FC 

Base Plan  #002 
Weekly             $1.90             $4.22           $5.00        $10.00

Mid Plan #001                        
Weekly            $13.38           $30.07        $36.00       $15.75

Top Plan #000                       
Weekly            $24.34           $54.71         $65.58      $21.22

Full Time Store Managers and Assistant Managers
Full Time Store Managers and Assistant Managers may elect to participate in AOC's health insurance plan through Blue Cross/Blue Shield subject to the following co-payments:

Rates for Base Plan and Buying Up to a Better Plan for Calendar Year 2007

                         Single            Two            Family         FC 

Base Plan  #002                       
Weekly             $12.36           $37.08         $47.38        $10.00

Mid Plan #001                        
Weekly             $23.84           $62.93        $78.38       $15.75

Top Plan #000                       

Weekly            $34.80           $87.57        $107.96       $21.22

Other Employees (part-time employees)
All other part-time hourly employees meeting the criteria set forth immediately hereafter, may participate in AOC's Base Health Insurance Plan at their own cost and expense. AOC will establish from time to time the cost of that coverage and if elected by the employee the cost will be deducted for employee's bi-weekly compensation.  For the period starting January 1, 2007 thru December 31, 2007, depending upon which coverage an employee selects, there will be deducted from an employee's bi-weekly compensation the following amounts (Note the premium amounts are subject to change at any time and will be reviewed at least annually)

                Single                  Two                   Family           FC
                $159.00              $353.00             $418.00        $80.00   

 To be eligible to participate a part-time hourly employee must meet all of the following conditions:

a.   Been employed for at least one year.

b.   An employee may only enter on January 1 or July 1 after meeting the one year requirement.

c.   An Employee must have averaged over the immediate prior year enough hours to cover the bi-weekly payments.

d.   Coverage will start the first Monday, two weeks after submitting all required paper work to AOC and after the first deduction of the premium from the employee's payroll.

e.   If an employee's take home payroll does not equal the amount of required premium and the employee has not sent the payment for the short fall to the office with in 5 days of the applicable payroll date coverage shall cease at the end of that month.

Questions Concerning Eligibility or Coverage
If you have questions concerning eligibility please call the main office (989) 356-1098.  If you have questions concerning coverage please call Blue Cross/Blue Shield  (800) 258-8000 or Brian at Alpena Agency (989) 354-2175.

Notes to Health Insurance:

1) Health insurance will be available to eligible employees on the first day of the month following the later of 60 days of employment or eligibility, thereafter only on January 1 or proof of loss of other insurance.

2) To qualify for health insurance coverage in accordance with the above terms, you must be a full time employee,  an Assistant Manager or a part-time hourly employee meeting the criteria set forth above.  "Full Time Employees" includes Managers, Assistant Managers, Supervisors, and all other full time salaried employees and all hourly employees who average 40 hours per week during the first calendar year, excluding any hourly employees working at the stations.

3) It is the responsibility of the eligible employee to notify Personnel as to whether or not they would like to enroll on the health insurance plan.

4) In the event of resignation, discharge, lay-off or reduction of hours, group health insurance coverage will terminate on the last day of the month in which the event occurs. Covered employees and their covered dependents will be offered the opportunity for a temporary extension of health coverage at group rates in certain instances where coverage under the plan would otherwise end. As required by the Combined Omnibus Reconciliation Act (COBRA), Personnel will notify the employee of their options for continuation coverage.

5) Health insurance for employees off work for more than 30 days, due to a work-related injury or illness will terminate on the last day of the month following 30 days of absence from work. The employee will be notified of their continuation benefits under COBRA. Our workers' compensation insurance carrier will adjust the employee's compensation benefit accordingly.

6) Children of the employee who are between the ages of 19 and 25 may be eligible to remain on the employee's contract at the employee's expense.