WELCOME
Helping you and your family reach and maintain good health is very important. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
ENROLLMENT
Annual Open Enrollment: November 10, 2025 - November 18, 2025
Remember: The benefit choices you make during the 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. Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Please download the Benefit Guide and review all benefits and pricing.
To enroll or adjust your benefits for the 2026 plan year, visit your ADP portal using the link below.
MEDICAL/RX
BCBSTX will continue to be the medical and prescription carrier this year. Two medical plans will be offered: a High-Deductible Health Plan (HDHP) and a PPO Plan.
The PPO option offers the freedom to see any provider, when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
The HDHP plan is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventative care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
If you are already enrolled in one of the Choice Health BCBS medical plans today and have not already done so, please be sure to register through the BCBS member portal where you can access important information pertaining to your medical plans with BCBS including participating providers, cost estimates for services, explanation of benefit/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the BCBS portal as of your effective date of coverage.
You may view participating providers at the link below or consult with your existing providers.
Helpful Rx Cost Saving Tools & Tips!
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, mail order drugs are subject to two-times the standard 30-day copays, resulting in lower expenses for you.
GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One being www.goodrx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside your plan (insurance will not be applied and costs with the coupon will not count towards your deductible and/or out-of-pocket maximums.)
ASK YOUR DOCTOR - Make sure to ask if there are cost savings alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
DENTAL
Our dental plan is administered by Mutual of Omaha and provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Mutual of Omaha 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.
Please be sure to register through the Mutual of Omaha member portal where you can access important information pertaining to your dental plan with Mutual of Omaha, including participating providers, coverage information, and explanation of benefits/claims.
Register for your Mutual of Omaha Dental Benefits Portal here:
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
Our vision coverage is administered by Mutual of Omaha using the EyeMed Network. We offer vision coverage to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider an In-Network provider.
HSA (HEALTH SAVINGS ACCOUNT)
A Health Savings Account (HSA) is a tax-free savings account owned by you, is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.
LIFE & DISABILITY
Our Life & Disability Insurance will continue with Mutual of Omaha.
Basic Life/AD&D
Life insurance is an important part of your financial security. It helps protect your family from financial risk and sudden loss of income in the event of your death. This is a company-paid benefit provided to you at no cost.
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.
Short Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
Long Term Disability
Serious illnesses or accidents can interrupt your life, and your ability to work for months - even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
VOLUNTARY BENEFITS
Voluntary Benefits with Mutual of Omaha
We're excited to offer two new Voluntary Benefits this year with Mutual of Omaha.
Accident Insurance NEW!
Although accidents are unexpected and usually come without warning, you don't have to let an injury catch you off guard. You can be prepared to handle the accompanying medical expenses with the help of an accident insurance policy.
Accident insurance pays a lump-sum cash benefit for injuries you or an insured family member sustain as a result of an accident. Because accident insurance is supplemental, it works in addition to other insurance you may have. With accident insurance, you won't have to worry about how you will pay for care, and your savings can be protected.
Hospital Indemnity Insurance NEW!
Being admitted to the hospital can be stressful. It also means expenses could add up quickly and catch you off guard with a large, and perhaps unexpected, medical bill. With a hospital indemnity insurance policy, you can be better prepared to manage both medical costs and the everyday expenses that come with a hospital stay.
Hospital Indemnity insurance pays a fixed dollar benefit amount when you or an insured dependent are admitted or confined to a hospital. Because hospital indemnity insurance is supplemental and not major medical insurance, it works in addition to other insurance you may have.
WELLBEING
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At Choice Health, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
BENEFIT EDUCATION VIDEOS
Contact Us
As you consider your benefit options, please be sure to review all available information. If you don't understand your benefits or need any assistance, please contact the Human Resources Department.
Your NFP team is also available and happy to help with any questions regarding benefit enrollment, claims clarification, etc.
Shelby Parker, Senior Account Executive shelby.parker@nfp.com
Jill Zamudio, Senior Account Manager jill.zamudio@nfp.com