Summary of Benefits and Coverage
Benefits Summaries
Certificates
Education
Covered Drug Lists
Brochures
Virtual Primary & Health Care
Benefit Summaries
Certificates
Education
Benefit Summaries
Certificates
Education
Health Savings Account
Flexible Spending Accounts
Commuter Benefits
Employee Assistance Program
Basic Life and AD&D
Supplemental Life and AD&D
Short-term Disability
Long-term Disability
Plan Highlights
Summary Plan Description
Accident Insurance
Critical Illness Insurance
Hospital Indemnity Insurance
Pet Insurance
LifeTime Benefit Term Life
BlueBikes Discount
LegalEASE
Bright Horizons
Equity Compensation
Compliance Notices
Medicare Part D Notice
Other Documents
Electronic Labor Laws
You can access the up to date U.S. Federal & State Labor Law Posters for your state here.Ginkgo Bioworks
2025 Benefits Hub
Surprise Billing Notice →
The Benefits Hub is a one-stop shop for all of your year-round benefits needs. Get access to everything you need – plan documents, contact information, plan information, in-network provider search, and more – at the click of a button!
To get started, click a Plan Icon or just continue scrolling.
Medical Plans
In-network costs shown. See Summary of Benefits and Coverage under the ‘Documents’ section for out-of-network details.
Ginkgo offers three medical plans through Blue Cross Blue Shield of Massachusetts.
Blue Care Elect $1000
Preventive Care:
Covered at 100%
Primary Care Office Visit:
$25 copay
Deductible:
$1,000/$2,500 (Individual/Family)
Preferred Blue PPO Saver
Preventive Care:
Covered at 100%
Primary Care Office Visit:
$20 copay
Deductible:
$2,500/$5,000 (Individual/Family)
Advantage Blue EPO
Preventive Care:
Covered at 100%
Primary Care Office Visit:
$25 copay
Deductible:
$750/$1,500 (Individual/Family)
Virtual Primary & Health Care
Choose between two options: Firefly Health and Carbon Health
Learn moreMedical Plan Details
Blue Care Elect $1000
-
Deductible
$1,000/$2,500 (Individual/Family)
-
Out-of-Pocket Maximum
$3,000/$6,000 (Individual/Family)
-
Semi-Monthly Premium
Employee-Only: $55.28
Employee + Spouse: $208.62
Employee + Child(ren): $187.19
Family: $315.48
Preferred Blue PPO Saver
-
Deductible
$2,500/$5,000 (Individual/Family)
-
Out-of-Pocket Maximum
$6,750/$13,500 (Individual/Family)
-
Semi-Monthly Premium
Employee-Only: $14.35
Employee + Spouse: $119.57
Employee + Child(ren): $107.30
Family: $180.83
Advantage Blue EPO
-
Deductible
$750/$1,500 (Individual/Family)
-
Out-of-Pocket Maximum
$3,500/$7,000 (Individual/Family)
-
Semi-Monthly Premium
Employee-Only: $54.51
Employee + Spouse: $205.70
Employee + Child(ren): $184.57
Family: $310.97
Blue Care Elect $1000
-
Preventive Care
Covered at 100%
Preferred Blue PPO Saver
-
Preventive Care
Covered at 100%
Advantage Blue EPO
-
Preventive Care
Covered at 100%
Blue Care Elect $1000
-
Primary Care
$25 copay
-
Specialist Visit
$40 copay
Preferred Blue PPO Saver
-
Primary Care
$20 copay
-
Specialist Visit
$40 copay
Advantage Blue EPO
-
Primary Care
$25 copay
-
Specialist Visit
$40 copay
Blue Care Elect $1000
-
Urgent Care
$40 copay
-
Emergency Room
$150 copay
Preferred Blue PPO Saver
-
Urgent Care
100% covered after deductible
-
Emergency Room
$250 copay
Advantage Blue EPO
-
Urgent Care
$40 copay
-
Emergency Room
$150 copay
Blue Care Elect $1000
-
X-rays/Lab
$25 copay after deductible
Preferred Blue PPO Saver
-
X-rays/Lab
100% covered after deductible
Advantage Blue EPO
-
X-rays/Lab
$15 copay
Blue Care Elect $1000, Preferred Blue PPO Saver, and Advantage Blue EPO Plans.
-
Fitness Reimbursement
$150 reimbursement per calendar year for enrolled Bioworkers, when you participate in a qualified fitness program.
-
Weight Loss Reimbursement
$150 reimbursement per calendar year for enrolled Bioworkers, when you participate in a qualified weight-loss program.
-
Wellness Rewards Program
Enrolled Bioworkers can earn points when they complete certain health care and wellness activities. Points earned go toward wellness dollars that can be redeemed up to $400 per plan year, not to exceed $100 per plan quarter.
-
Learn to Live Mental Health Care
Enrolled Bioworkers, and their dependents, can access the ‘Learn to Live’ online mental healthcare resource through their MyBlue account. The program is available at no cost.
Prescription Drug
Plans offered through Blue Cross Blue Shield of Massachusetts.
View your covered prescription drugs here →
Dental Plans
In addition to protecting your smile, dental insurance helps pay for dental care and includes regular check ups, cleanings, and x-rays. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
High Plan
Deductible:
$50 (I) / $150 (F)
Basic Services:
90% covered
Major Services:
60% covered
Orthodontic Services:
50% covered
Low Plan
Deductible:
$50 (I) / $150 (F)
Basic Services:
60% covered
Major Services:
0% covered
Orthodontic Services:
Not covered
Vision Plan
Ginkgo offers one Vision plan through VSP and provides vision benefits and discounts.
High Plan
Network Coverage:
$210
Exam Copay:
$10
Lenses:
12 months
Low Plan
Network Coverage:
$130
Exam Copay:
$20
Lenses:
12 months
Spending Accounts
Included Plans:
✓ Health Savings Account (HSA)
✓ Flexible Spending Accounts (FSA)
✓ Commuter Flexible Spending Account (CFSA)
Voluntary Benefits
Benefits that go above and beyond in covering every base for your benefits needs.
Included Benefits:
✓ LegalEASE
✓ Chubb LifeTime Benefit Term Life
✓ Accident Insurance
✓ Critical Illness Insurance
✓ Hospital Indemnity Insurance
✓ Life and Accidental Death and Dismemberment
✓ Grief Counseling
✓ Pet Insurance
✓ BlueBikes Discount
Employee Assistance Program
Magellan’s Employee Assistance Program (EAP) is here to support your well-being, offering resources for mental health, emotional support, and work-life balance. You’ll have access to confidential counseling services available 24/7 for a variety of personal and professional challenges, including stress, anxiety, family concerns, financial issues, and substance abuse.
The program provides short-term counseling, referrals to specialists, and resources for legal and financial consultations. It’s designed to help you navigate life’s challenges while enhancing your overall well-being and productivity. You'll also find tools and educational materials to support your self-care and personal growth.
The 401(k) Plan
Traditional & RothBioworkers are eligible to participate in Ginkgo’s 401(k) Retirement Savings Plan, administered through Principal. The program offers both traditional & Roth contributions. New Bioworkers are auto-enrolled at 6% pre-tax.
Time Off
Bioworkers receive a myriad of Time Off benefits.
Equity Compensation
Equity awards are an important part of your total compensation package at Ginkgo. Having equity means being a partial owner of the company. Our equity program helps us compete for the most talented Bioworkers while reinforcing our ownership mindset.
At Ginkgo, equity awards are typically issued as restricted stock units (RSUs). RSUs offer the opportunity to own actual shares of Ginkgo stock at one or more future dates, subject to certain vesting requirements being met.
Compliance
Your hub for compliance information, forms, and contacts you may not have found elsewhere.
A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available on www.ginkgobioworksbenefits.com. A paper copy is also available, free of charge, by calling 877-422-5362.
Ginkgo Bioworks permits insurers to offer employees of Ginkgo Bioworks certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Ginkgo Bioworks does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. Ginkgo Bioworks does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Ginkgo Bioworks'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Ginkgo Bioworks may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Ginkgo Bioworks does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.
All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Ginkgo Bioworks reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.
© Piper Jordan. All Rights Reserved.
*The chart above is an example using 25,000 RSUs and is only intended for illustrative purposes.