ENROLLMENT
QUALIFYING LIFE EVENTS
MEDICAL
UnitedHealthcare Level Funded
You have three plan options:
1. Base Plan (HSA Compatible) HP50002575
2. Buy Up Option 1 (PPO) P3000i80
3. Buy Up Option 2 (PPO) P1000i100
Please see links below and information in Employee Navigator for more details.
NETWORK: Choice Plus
How do I find an In-Network Provider? Use the helpful link below!
In-Network providers can also be found on your provider’s website at www.myuhc.com under “Find a Provider” and then you can search by line of coverage, location, provider/facility name, or search by specialty.
Did You Know?
- Preventive Services are covered at 100% In-Network and copays & deductibles do not apply.
- You pay less out of pocket if you receive care from an In-Network provider.
- You do not need a referral to see a Specialist.
TELEMEDICINE
HealthiestYou for PPO members: $0 copay for you and your dependents
HealthiestYou for HSA/HDHP members: $45 copay for you and your dependents
MEMBERS
- Members will receive a new id card reflecting NEW Member ID and NEW group number
- Personalized getting started guide included in the ID card mailing
- Sticker will be included on the new ID card
- Member ID will contain a suffix
- Each Member receives their own, individual ID card (no family cards)
- Member will need to register on myuhc.com
- UnitedHealthcare app also available
- Members can access historical claims for prior plan year policy on myallsaversconnect.com for 18 months (view only: member will show as termed)
Download the UHC App Today!
DENTAL
How do I find an In-Network Provider? Use the helpful link below!
With Unum Dental insurance, you can get the attention your teeth need — at a cost you can afford. Unum Dental allows you to see any dentist you choose. To get the most from your benefits and reduce out-of-pocket costs, choose an in-network provider by utilizing our large national network. These providers have agreed to file your claims and uphold the highest quality standards.
- You can find in-network providers at unumdentalcare.com.
Pre-treatment Estimate
- If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
Virtual Dental Visits
- 24/7 dental care for dental emergencies when an in-person visit isn’t an option. Available for active dental members*.
- Visit unumdentalcare.com and click Virtual Dental Visits to get started.
Why is this coverage so valuable?
- Routine dental care keeps your mouth and whole body healthy.
- Your plan is backed by UNUM’s commitment to excellence in customer service.
- Personalized websites and mobile app to manage your benefits including claims information, ID cards and more.
- There’s no waiting period for preventive and basic services.
Review the Dental plan summary below for specific plan coverage.
VISION
NETWORK: EyeMed
How do I find an In-Network Provider?
- Use the helpful link below! In-Network providers can also be found at www.unumvisioncare.com.
Under the UNUM Vision plan, you may use the eye care professional of your choice. However, when you visit a participating EyeMed provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.
Members have the freedom to choose any provider from EyeMed’s Insight Network. Our network offers the right mix of independent, national retail and regional retail providers like Lens Crafters, Pearle Vision, Target Optical and many more. Members can also purchase glasses and contact lenses online at Glasses.com and ContactsDirect.com.
DID YOU KNOW?
Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
- Diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Glaucoma and cataracts
Looking for more details about how items are covered? Click on the link below to view the formal Benefit Summary.
LIFE AND AD&D
DMCA provides you with Basic Life/AD&D coverage at no cost to you!.
Basic Life/AD&D
Employees working 30 or more hours per week are eligible for $30,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, 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.
Voluntary Life
Employees have the option to purchase additional life insurance through Unum. See Employee Navigator for more information.
DISABILITY
Long Term Disability (LTD)
Disability benefits are designed to replace a portion of your income if you are unable to work due to an accident or sickness. Benefits begin after a 90-day elimination period are are equal to 60% of covered monthly earnings up to $6,000 for full-time employees. The benefit that is paid to you taxable.
WORKSITE
Life is full of challenges... Protecting your way of life shouldn’t be one.
If something happened to you, would your family have the income they need? Help protect their way of life with voluntary benefits from Colonial Life.
- Accident insurance helps offset the unexpected medical expenses that can result from a covered accidental injury.
- Cancer insurance helps offset cancer diagnosis and treatment expenses that medical insurance doesn’t cover.
- Critical illness insurance supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.
- Hospital indemnity insurance provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery.
Choose options your way:
Coverage is available for your spouse and eligible dependents with most products.
Benefits are paid directly to you, unless you specify otherwise.
With most plans, you can continue coverage when you retire or change jobs, with no increase in premiums.
With most plans, you receive benefits regardless of any insurance you may have with other companies.
If you are interested in learning more or enrolling in the Colonial products, please contact Melissa Madtes, the Colonial representative directly at 210-827-5648 or you can email colonialtx.cs@icloud.com.