OAP-IN
In-network only
- Deductible (individual / family)
- None
- Out-of-pocket max (individual / family)
- $3,000 / $6,000
Medical plans (Cigna)
Health and insurance plans
Alloy offers medical coverage through Cigna and dental, vision, life, disability and voluntary coverage through Guardian.
Choosing a medical plan
Medical plans (Cigna)
In-network costs for 2027.
OAP High
In- and out-of-network
- Deductible (individual / family)
- $500 / $1,500
- Out-of-pocket max (individual / family)
- $3,500 / $7,000
OAP Low
In- and out-of-network
- Deductible (individual / family)
- $1,000 / $3,000
- Out-of-pocket max (individual / family)
- $5,000 / $10,000
HDHP
In- and out-of-network
- Deductible (individual / family)
- $3,500 / $7,000
- Out-of-pocket max (individual / family)
- $5,000 / $10,000
| In-network | OAP-IN | OAP High | OAP Low | HDHP |
|---|---|---|---|---|
| Deductible (individual / family) | None | $500 / $1,500 | $1,000 / $3,000 | $3,500 / $7,000 |
| Out-of-pocket max (individual / family) | $3,000 / $6,000 | $3,500 / $7,000 | $5,000 / $10,000 | $5,000 / $10,000 |
| Coinsurance you pay after the deductible | 0% | 20% | 20% | 0% |
| Preventive care | $0 | $0 | $0 | $0 |
| Primary care visit | $30 | $20 | $20 | $0 after deductible |
| Specialist visit | $40 | $20 | $40 | $0 after deductible |
| Urgent care | $30 | $25 | $35 | $0 after deductible |
| Emergency room (waived if admitted) | $150 | $150, then 20% after deductible | $250 | $0 after deductible |
| Prescriptions, 30-day retail (generic / preferred / non-preferred) | $10 / $40 / $50 | $10 / $40 / $50 | $10 / $40 / $50 | $10 / $40 / $50 after deductible |
| Out-of-network care | Emergencies only | Plan pays 60% after $500 / $1,500 deductible | Plan pays 60% after $3,000 / $9,000 deductible | Plan pays 70% after deductible |
| HSA eligible | No | No | No | Yes |
Compare plans with the plan comparison tool in Sequoia PX.
Log in through Okta, or use the Sequoia PX app for digital ID cards.
Health and insurance
What you pay per paycheck
Premiums are deducted pre-tax from each paycheck. Alloy pays twice a month, on the 15th and the last day of the month.
Health and insurance
Dental, vision, life and voluntary coverage
Dental (Guardian)
Find a dentist and view claims in the Guardian portal.
Vision (Guardian, VSP network)
Find a provider through VSP.
Life and disability insurance (Guardian)
Basic life and AD&D: You can add supplemental coverage for yourself and your family. Short- and long-term disability replaces part of your income if you can't work because of an illness or injury. Update your beneficiaries anytime in Rippling.
Voluntary coverage (Guardian)
These optional plans pay cash directly to you, which you can use for any expense, including deductibles, travel or lost income. Hospital indemnity pays a set amount if you're admitted to the hospital. Critical illness pays a lump sum if you're diagnosed with a covered condition, such as cancer, heart attack or stroke. Accident pays a set amount for covered injuries and related treatment.
Medical plans (Cigna)
Getting the most from your Cigna plan
- myCigna app and website: find in-network doctors, check claims, compare prescription prices and set up home delivery. Available once your coverage starts.
- 24/7 Health Information Line: talk to a nurse advocate anytime about symptoms, medications or where to get care. Call the number on the back of your Cigna ID card, or chat in myCigna (weekdays, 9am to 8pm ET).
- Insurance ID cards: download from the Sequoia PX app or myCigna.
Financial
Financial benefits
Save for retirement, pay for health care with pre-tax dollars, and get free financial guidance.
401(k) through Fidelity
Eligibility: 90 days after your start date. Fidelity sends a welcome invite before you become eligible, and you can set up your account at 401k.com up to 60 days early. Alloy matches 100% of what you contribute, up to 4% of your pay. Vesting is immediate. Contribution types: pre-tax, Roth and after-tax. The IRS limit applies across all employers. Rippling can't see contributions you made at a previous employer, so track your combined total.
Mega backdoor Roth
Available starting November 2, 2026. Choose an after-tax contribution percentage in Fidelity NetBenefits, then call Fidelity to convert that money to Roth. Conversions aren't automatic. Call Fidelity each time you want to convert; there's no fee. Any growth before conversion is taxed when you convert. Taxes aren't withheld; you'll receive a Form 1099-R. Alloy doesn't cap or match after-tax contributions. The IRS caps total annual contributions from all sources. Book a free session with Addition Wealth to talk it through.
Health Savings Account (HSA)
An HSA lets you set aside pre-tax money for eligible health care costs. It's available if you enroll in the Cigna HDHP, and it's administered by Rippling. Alloy contributes $1,200 a year for yourself or $2,400 a year for yourself plus dependents. Pre-tax going in, tax-free growth, and tax-free withdrawals for eligible expenses. The money rolls over every year and stays with you if you change plans or leave Alloy. Change your contribution anytime in Rippling. Alloy's contribution counts toward the IRS annual limit.
Flexible Spending Accounts (FSA)
FSA elections cover one plan year and don't carry over: you need to re-enroll each year. You choose your amount as a new hire, at Open Enrollment, or after a qualifying life event.
Commuter benefits
Pay for eligible transit and parking costs with pre-tax money through Rippling. Enroll or change anytime. Monthly limits are set by the IRS.
Addition Wealth: free financial guidance
Get free, unlimited 1:1 sessions with certified financial professionals, plus tools, articles and monthly webinars. Topics include budgeting, taxes, investing, buying a home, 401(k)s and IRAs, HSAs and FSAs, equity, 529 plans and estate planning. Sign up at app.additionwealth.com/sign-up with your work email.
Equity (Carta)
All full-time team members are eligible for equity, so you share in Alloy's success. Within 90 days of your start date, you'll get an email from Carta to review and accept your grant. Track your vesting anytime in your Carta dashboard.
Healthcare FSA
Employees on OAP-IN, OAP High or OAP Low Cigna plans
Eligible medical, dental and vision costs for you and your dependents
Limited Purpose FSA
Employees on the HDHP
Eligible dental and vision costs only
Dependent Care FSA
All employees
Eligible care costs for children under 13 and qualifying adult dependents, such as daycare. The limit is per household.
Wellness and perks
Wellness and perks
Support for your physical and mental health, your growth and your time away from work.
Healia Total Care Option
Available starting November 2, 2026. If your spouse or partner has health insurance through their employer, Healia's Total Care Option lets your family move to their plan and get up to 100% of your health insurance costs covered. Who's eligible: employees eligible for Alloy's medical plans whose spouse or partner has employer-sponsored health insurance. If you move your medical coverage to your spouse's or partner's plan, you can still enroll in Alloy's other benefits, such as dental and vision.
Superpower
Available starting November 2, 2026. Lab testing for 150+ biomarkers, beyond what insurance typically covers, plus a concierge team and AI platform to support proactive health and wellbeing. Who's eligible: Alloy employees (dependents aren't included).
One Medical
Alloy covers your membership for in-person and virtual primary care. Sign up through Sequoia PX.
Spring Health
5 covered therapy sessions and 5 covered coaching sessions for you and your dependents age 12 and up. Care can include therapy, coaching, digital programs or medication management.
$250 work-from-home stipend
For desks, chairs, ergonomic equipment, headphones and other home office items. Use your Ramp card (through Okta) within your first year at Alloy, and follow the Expense Policy.
$1,000 learning and development stipend
Available each calendar year after your first 60 days. Use it for books, subscriptions, coaching, conferences, courses, certifications, degree programs and more.
Unlimited PTO
Take time to recharge. Plan ahead with your manager, especially for longer time away, and request time off in Rippling.
Parental leave
16 weeks of fully paid leave for birthing, non-birthing, adoptive and foster parents.
Other leave
Sick leave, bereavement and other leave types are covered in the US Employee Handbook. Reach out to the People Team through Assist for help planning a leave.