Action Required
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.
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.
STEP 1
All employees should complete an election form even if you are waiving coverage.
STEP 2
If you are enrolling in Sedera:
New Members:
Click the following link and enter the Employer code below.
https://sederamcs.org/?trackingEntity=1e944028-3f90-4cc0-8aca-ff23d33b6748
Employer Verification Code: 8513
New Sedera Members - In addition to completing the election form, new Sedera members must complete their enrollment through the Sedera portal before the 19th of the month to ensure a first of the month effective date. If you do not do this your enrollment may not be processed properly and may be pushed to the following month.
Minimum Essential Coverage (MEC Plan)
Your have two options for your MEC plan. Please watch the short Video Presentation by clicking on the link below.
BOTH plans will cover your preventative care at 100%.
Option 1: This plan will cover your preventative care at 100% and also provides the framework for an HSA banking account.
Option 2: This plan will cover your preventative care at 100% and also has copays for office visits and copays for a long list of medications.
You do need to stay in network for both of these plans. Services billed by a hospital are not covered on these plans.
All preventative care mandated by ACA is covered. You can see a complete by clicking here.
PHCS network search instructions:
●Go to www.multiplan.com
●Click on Find a Provider in the upper right corner
●Click on the green Select Network button & choose PHCS
●Click the green Select Network box
●Choose PHCS in the pop-up box
●Select Preventive Services Only
Telemedicine - You will also access telemedicine through Freshbenies through Options Plus.
Cost Sharing Plan
Sedera is a cost sharing community that will share the cost of the large events in life.* The Sedera plan doesn't have a network. Please reference the Sedera materials and view the video presentations below for details.
There is no ID for this plan and no network. You will present yourself as a cash payer and start a "Need" on the member portal if the total goes over your chosen IUA (Initial Unshareable Amount). See "Sedera Select + Presentation" link below.
*Pre-existing limitations apply.
See how to enroll above. New Sedera Members - In addition to completing the election form, new Sedera members must complete their enrollment through the Sedera portal before the 19th of the month to ensure an effective date of the 1st of the following month. If you do not do this your enrollment may be pushed to the following month.
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.
Choose options your way:
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.
Sedera Select +, Options Plus MEC HDHP (the basic plan), and Colonial
This is how and when to use what:
I feel miserable.
I feel miserable.
I asked my son to get the leaves from last Fall out of the gutters 7 times and he still hasn’t done it, so I am going to get a chair and go do it myself, but when I step down from the chair, I lost my balance and broke my leg.
Your 5-year old is getting ready to start kindergarten and somehow is missing 2 required immunization shots. These are 100% covered by your preventative care medical coverage that you will have a medical card for and can present to your doctor. The happy meal that you promised them for being really brave, is all on you though.
Colonial Accident is for accidents.
So, what is an accident?
Options Plus MEC is for your preventative care services and you will receive a medical card.
So, what are preventative care services?
Sedera Cost Sharing
So what falls under cost sharing?