OVERVIEW
BR Heavy Construction remains committed to providing a competitive, cost-effective benefit program. Please review your 2023 Open Enrollment Employee Benefits Guide for information on all of your benefits.
ENROLLMENT
The benefits you elect during open enrollment will be effective from May 1, 2023, through April 30, 2024.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifyting events.
MEDICAL/RX
BCBS of Oklahoma will administer your medical and prescription drug benefits this year. To find out if your provider is in network, please visit the BCBS website below.
DENTAL
Principal dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Principal Dental network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please click on the blue “find a provider” button.
VISION
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
BR Heavy Constructions offers vision coverage through VSP to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the VSP Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the VSP website below.
BASIC AND VOLUNTARY LIFE
Basic Life/AD&D
As your employer, we provide $10,000 in Life and AD&D 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.
Voluntary Life/AD&D
A sudden accident or death can leave you or your loved ones in a
vulnerable position. Employees have the opportunity to enroll in Term Life and
Accidental Death & Dismemberment insurance which will supplement lost
income in the event of an accident or death. If you choose to enroll in
employee coverage, this will be in addition to your employer provided Basic
Life coverage.
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.
Please consult your Employee Benefits Guide and review the
benefit summaries for additional details.
UNDERSTANDING YOUR BENEFITS
Additional Resources
Contact Us
Client Contacts
Todd Fugman
toddf@brheavy.com
(918) 392-7885
Account Team Contacts
Chad Coulter
Producer / Sales Consultant
chad.coulter@nfp.com
405-235-0036
Felicia Adcox
Account Manager
felicia.adcox@nfp.com
405-235-0036