Cambridge Benefits Overview

Medical, Dental, and Vision Insurance

United Healthcare Choice (similar to an HMO)
With the HMO your primary care physician provides preventative care and provides specialty care using a large network of specialists within the referral system. Services received outside of the Choice network are not covered unless deemed an unforeseen medical emergency.

United Healthcare Choice Plus (similar to PPO)
This is a managed health plan that encourages the use of a network of health care providers who have agreed to charge discounted rates to plan members. Individuals select doctors of their choice within the network. Choice Plus also allow participants to receive health care services from non-network providers at a higher out-of-pocket cost.

United Healthcare Choice Plus w/HSA (similar to PPO w/HSA)
This plan is defined as a High Deductible Health Plan and is compatible with a tax-advantaged savings account that allows you to put aside pre-tax income, invest your savings, and use your tax-free savings for eligible medical expenses. Unlike other medical savings accounts, any money you do not use stays in your account and is entirely portable. If you use the account to pay for eligible medical expenses Cambridge will contribute $25 or $50 to your HSA each pay period depending on the coverage you elect. Employees may contribute additional funds up to the IRS maximum.

CIGNA Global Health 
This is an international medical and dental benefits program which is offered to best serve and protect our employees working abroad. We offer this plan to our OCONUS employees who are assigned work duties of up to 12 months, and no less than 182 days per year (intermittently). Our Expatriate employees and their dependents are also covered by the CIGNA medical and dental plans.

United Concordia Dental 
United Concordia (PPO) Preferred Provider Organization 
Dental plan participants can receive benefits for dental services from either a participating PDP dentist or an out-of-network dentist.

Davis Vision with United Concordia
This is a discount program offered by United Concordia group plan. Employees who elected dental coverage are automatically enrolled in this vision discount program that offers discounts on eye exams, lenses, frames, and additional

Disability and Life Insurance

Lincoln Financial Group Disability and Life Insurance
Lincoln Financial Short Term Disability Insurance includes 60% income replacement up to maximum weekly benefit of $1,200 and the premium is 100% company paid. Lincoln Financial Long Term Disability Insurance includes 60% income replacement up a maximum monthly benefit of $8,000 and the premium is 100% company paid. Group Life Insurance includes a Life and Accidental Death & Disability benefit of $50,000 and the premium is 100% company paid. Employees may also purchase additional life insurance coverage for themselves, their spouse and dependent children.  

Retirement Plan

Cambridge offers a 401(K) retirement plan with a "safe harbor" matching contribution that is always 100% vested. 

Education and Training Assistance

Cambridge offers and education and training benefit of $3,000 per employement year which can be used toward qualifying continuing education or training classes, courses, or programs.

Paid Time Off and Additional Benefits

Cambridge full-time employees are provided flexible paid time off and we as a company observe ten paid holidays per year. We also offer Training and Education Assistance and Employee Assistance Programs (EPA) which provide services designed to help with relationship, financial, and legal issues as well as mental health and substance abuse.