Allegiance Credit Union

Table of Content

  1. Header
  2. Allegiance Credit Union 2025 Open Enrollment
    1. WELCOME
    2. HOW TO ENROLL
    3. MEDICAL
    4. PHARMACY
    5. HSA
    6. FSA
    7. DENTAL
    8. VISION
    9. LIFE / AD&D
    10. DISABILTY
    11. PET INSURANCE
    12. ADDITIONAL RESOURCES
    13. VIDEOS
    14. CONTACTS
  3. Footer

Open Enrollment Window: November 18th - 29th

WELCOME

Open Enrollment is your annual opportunity to update and learn about the benefits provided through your employer. This is a good opportunity to review your current coverage and choose the best options for you and your family. All benefit changes during open enrollment will become effective January 1, 2025.

Recorded Presenation

Recorded Presenation

HOW TO ENROLL

Please review the benefit offerings and per pay period rates. This year everyone is required to login and complete your online benefits enrollment through the ESS portal. Open Enrollment must be completed by November 29th

Who is Eligible? You are eligible to participate if you are full-time and work a minimum of 30 hours per week. You may also enroll your spouse or domestic partner and any eligible dependent children under the age of 26.

Benefit changes outside of Open Enrollment require a Qualifying Life Event and/or Loss of Eligibility.

You may not change your benefits throughout the year unless you experience a Qualifying Life Event. Qualifying Events may include marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you must notify HR within 30 days of the event. Please remember you only have 30 days from the event to make changes to your benefit elections.

2025

Printable Benefit Guide

2025

Printable Benefit Guide

MEDICAL

Blue Cross and Blue Shield of Oklahoma will continue to administer our medical and prescription drug benefits.

To find out if your provider is in-network, please visit the "BCBS Provider Finder" link below.

FIRST STOP HEALTH (FSH) - Virtual Care

  • FREE Benefit to all Employees (full and part-time).
  • No cost Virtual urgent care for all family members of all ages.
  • Employees and family over 18 years old can use FSH for Primary Care Services for free!
  • Up to 7 family members can access virtual visits.
  • Spanish speaking nurses/doctors are available.
  • Please to visit www.fshealth.com to learn more.

MOBAP1045 - $3,500 Deductible

HDHP Summary of Benefits

MOBAP1045 - $3,500 Deductible

HDHP Summary of Benefits

MOBAP0013 - $1,250 Deductible

Summary of Benefits

MOBAP0013 - $1,250 Deductible

Summary of Benefits

MOBPF0083 - $2,000 Deductible

Summary of Benefits

MOBPF0083 - $2,000 Deductible

Summary of Benefits

MOBPF0033 - $1,000 Deductible

Summary of Benefits

MOBPF0033 - $1,000 Deductible

Summary of Benefits

First Stop Heatlh

Flyer

First Stop Heatlh

Flyer

PHARMACY

Pharmacy benefits are through your BCBS medical plan.

To find out if your pharmacy is Preferred, Participating or Out-of-Network please visit the "Find a Pharmacy" link below.

HSA

Health Savings Account

  • Only available when enrolled in a High Deductible Health Plan (HDHP).
  • Ineligible if:
    • you are enrolled in Medicare, Indian Heatlh Services or Military (Tricare) Coverage.
    • your spouse is enrolled in a Flexible Spending Account (FSA).
    • you can be claimed as a dependent on someone's tax return.
  • A true bank account in your name.
  • Contributions are pre-tax dollars automatically put in your account (employee contributions).
  • Funds are available as they are contributed per pay period.
  • Funds are used to pay for qualified medical, dental, vision and some over the counter expenses tax free.
  • Unused funds rollover from year to year and accumulate tax free.
  • At age 65 you are no longer eligible to contribute to your HSA.



FSA

Healthcare - Flexible Spending Account

  • Annual contribution limit: $3,300
  • Paired with non-HDHP.
  • Full elected amount is available the first day of the plan year.
  • Funds are used to pay for out of pocket medical, dental, vision and some over the counter items tax free.
  • At the end of the year funds over $640 will be forfeited.
  • Funds $640 and under will rollover to next plan year after 90 days.
  • In 2025 $660 will rollover at the end of the year.

Dependent Care - Flexible Spending Account

  • Annual contribution limit: $5,000 or $2,500 if you are married and file taxes separately from your spouse.
  • Anyone is eligible with dependents who need care while guardians are working.
  • Funds pay for dependent care (children under 13 years or disabled dependents) tax free.
  • Funds are available as they are contributed per pay period.
  • Unused funds will be forfeited (runout period to file claims: 90 days after plan year ends).

How to file a claim in your online account

How to file a claim in your online account

Understanding Claim Denials

Medical FSA

Understanding Claim Denials

Medical FSA

DENTAL

Your dental coverage is through Delta Dental.

To find a Dentist, please visit the "Find a Dentist" link below.



Option 1 - PPO

Benefit Summary

Option 1 - PPO

Benefit Summary

Option 2 - PPO Plus Premier

Benefit Summary

Option 2 - PPO Plus Premier

Benefit Summary

Option 3 - Elite

Benefit Summary

Option 3 - Elite

Benefit Summary

VISION

Ameritas will continue to administer our vision insurance.

Vision Plan

Benefit Summary

Vision Plan

Benefit Summary

LIFE / AD&D

Basic Life and AD&D

Allegiance Credit Union provides all full-time employees with 2x your Annual Salary up to $250,000 in life and AD&D insurance.

Voluntary Life and AD&D

  • If you are not a new hire and adding this coverage for the first time, or making an annual increase over $10,000, then you will need to complete the EOI from.

Who's Your Beneficiary? Everyone needs to make sure your beneficiary is up to date.

Don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.

Evidence of Insurability Link below - use Group ID Number G000-AGEX

Basic Life and AD&D

Benefit Summary

Basic Life and AD&D

Benefit Summary

Supplemental Life and AD&D

Benefit Summary

Supplemental Life and AD&D

Benefit Summary

DISABILTY

Allegiance Credit Union provides all full-time employees with Long-Term Disability coverage.


Long-Term Disability

Benefit Summary

Long-Term Disability

Benefit Summary

PET INSURANCE

Pet Health Insurance

  • All cats and dogs above the age of 8 weeks are eligible.
  • Very customizable coverage options.
  • Pricing is based on the species (dog or cat), breed, age zip code and plan selection.
  • This program is direct-bill and will not be payroll deducted.
  • 10% group discount, which can be combined with multiple pet discount for a maximum premium saving so 20%.
  • Online and mobile access to file claims.
  • This benefit will be eligible for enrollment anytime throughout the year.

Enrollment URL is www.aspcapetinsurance.com/?prioritycode=EB23AllegianceCU and the discount code is EB23AllegianceCU

ASPCA Info

ASPCA Info

ADDITIONAL RESOURCES

Provides free short term confidential help 24 hours a day, seven days a week for employees and their family members. Get help with:

  • Urgent Help
  • Financial counseling
  • Legal consultation
SupportLinc Flyer

SupportLinc Flyer

Notice Of Exchange

Notice Of Exchange

Required Notices

Required Notices

CONTACTS

As you consider your benefit options, please be sure to review all available information: Employee Benefit Summaries, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:


Account Team Contacts

ContactImage

Lauren Nettleton

Account Executive

lauren.nettleton@nfp.com

405-513-8988

ContactImage

Stephani Wildman

Account Manager

stephani.wildman@nfp.com

405-513-8948

Additional Contacts

HR

Human Resources

HR@acuok.org

(405) 717-9043