INTRODUCTION
Beginnings, Inc. sincerely believes our employees are our greatest asset. Offering a competitive and affordable employee benefits package is a top priority.
NFP is a leading insurance broker and consultant that provides employee benefits, property and casualty, retirement, and individual private client solutions through licensed subsidiaries and affiliates. Beginnings, Inc. employee benefits is managed by the team at NFP's local office in Somerset, PA. By partnering with NFP, we are committing to continuing to improve the employee benefits experience for all Beginnings, Inc. employees. For more information about NFP, visit www.NFP.com
Annual enrollment is your opportunity to learn about your health care benefits, review your current coverage and choose the best options for you and your family.
ALL lines of coverage run from January 1, 2026 through December 31, 2026.
Please review all 2026 Benefits Overview Information.
If NO changes are needed, then your current benefits will just roll over into the new plan year.
BENEFITS OVERVIEW
UPMC Medical - Gold EPO $1,500 $40/$50
UPMC Dental - Premium 100/80/50/$0/$1,500/Ortho $1,000
UPMC Vision - Prime Plus with Copay
Reliance Standard Life/AD&D - Certificate
Reliance Standard Life/AD&D - Policy
Reliance Standard Long Term Disability
ACTION REQUIRED
Please review the Mandatory Documents:
- Employee Benefit Notices
- Section 125 Pretax Form
- Summary of Benefits and Coverage Document
HOW TO ENROLL
Current Employees:
- If you'd like to change your existing coverage or make new elections, you must do so by January 16.
- Your current medical, dental, vision, Life AD&D, and LTD elections will carry forward to 2026 if you don't make a new election.
New Hires:
- You will need to complete all applicable enrollment forms.
NEW HIRES
If you are a NEW HIRE and need to enroll for the FIRST time, please see above section How to Enroll.
All enrollment forms are attached in the How To Enroll for download.
CONSIDERING MEDICARE COVERAGE?
Medicare Services from NFP
NFP is proud to support you when it comes to Medicare and understanding your coverage options.
Our team has served as a trusted advisor in the individual markets for over 20 years and is comprised of experienced and knowledgeable licensed agents who specialize in Medicare coverage. We offer independent and individualized consultations to help you to:
• Understand your coverage options
• Determine if you are eligible for subsidies to lower your healthcare costs
• Establish a timeline for applying for coverage
• Choose a plan that fits both your lifestyle and your budget
• Find coverage that allows you to access the doctors and hospitals you want most
• Enroll in the plan that works best for you
And the best part is, there is never a fee for our services!
ADDITIONAL RESOURCES
Below are additional UPMC Brochures and Flyers for more information on other resources.
CONTACT US
For service questions and needs such as:
- Understanding what your medical, dental or vision benefits cover
- Help finding in network providers
- Assistance with prescription or pharmacy issues
- Questions regarding bills you receive from your doctor, hospital, dentist, optometrist or lab
- Claims you believe haven’t been paid properly