Dear 4R Family,
There are so many benefits to being part of the 4R Family, whether it's celebrating our teams' successes and special moments, smokehouse outings, participating in a fun run, or breaking bread together at Family Meal time; the bonds we build when we pull together to create memorable experiences for our guests are ties that will endure.
Our most treasured moments are those we spend giving back to the community – to those most in need, at the time they need us the most. Serving with a joyous heart is what makes us who we are!
But just like when you're on a plane they tell you to put on your oxygen mask first, you need to make sure you are taking care of yourself before you can be of service to others. We are pleased to be able to offer a variety of benefits to help you do just that, and hope that you take advantage of this opportunity to elect health benefits that best fit your needs.
3
Medical Plan Options
$0
In-Network Preventive Care
24/7
Teladoc Telemedicine
Jan 1 – Dec 31
2026 Plan Year
Plan Administrator
Preferred Benefit Administrators
Plan Administrator
Preferred Benefit Administrators
Your eligibility verification, claims processing, and plan support are handled directly by Preferred — separate from the Cigna PPO network. Get contact details, provider resources, and the member ID card guide.
Let's Personalize Your Experience
Tell us where you are in your journey and we'll point you to the right starting place.
I'm a New Team Member
New to the 4R Family? Start here to learn how eligibility works, set up your account, and enroll on Employee Navigator.
I'm a Returning Team Member
Already part of the family? Review what's available for 2026, compare plans, and estimate your per-paycheck cost.
Enrollment Information
2026 Open Enrollment has concluded
New hires are eligible the first of the month following 60 days and can enroll on Employee Navigator
View Enrollment DetailsNeed Help?
Download Your ID Card
Get your personalized medical ID card instantly
Get My ID CardYour Benefits at a Glance
Comprehensive coverage options designed to support you and your family
Tips to Maximize Your Benefits
Small moves that add up to big savings. Make the most of everything the 4R Family plan offers.
Preventive care is 100% covered
Annual check-ups, screenings, and immunizations cost you $0 in-network. Schedule yours every year.
Cover dependents to age 26
Your children can stay on your medical, dental, and vision plans until they turn 26.
Save on prescriptions
Use the RxManage International Pharmacy Program to get select brand-name medications at $0 cost.
Telemedicine is often $0
Connect with a Teladoc doctor 24/7 for common conditions — no waiting rooms, no travel.
PriceMD saves up to 50%
Get help shopping for procedures, imaging, and specialists at transparent, lower prices.
Stack voluntary coverage
Accident and Hospital Indemnity plans pay cash directly to you to cover out-of-pocket costs.
Your Health, Our Priority
At 4 Rivers, we believe that taking care of our team members is the foundation of everything we do. Just like we carefully craft each meal with the finest ingredients, we've carefully selected benefits that support your health, wellbeing, and financial security.
From comprehensive medical coverage to wellness programs, life insurance, and retirement planning – we're here to help you and your family thrive both inside and outside of work.
Interactive Decision Tools
Use our tools to make the best benefits choices for your situation
Prescription Savings
$40 for Tier 3 and $50 for Specialty Drugs copay through RxManage International Pharmacy
Frequently Asked Questions
Quick answers to common questions about your 4R Family benefits.
Still have questions?
Contact FBP Advocacy