Table of Content
- Header
-
Employee Benefits
- Eligibility
- Qualifying Life Events
- How to Enroll
- Understanding Your Benefits
-
Medical
- Medical Coverage
- Medical Benefit Summaries
- Virtual Care
- Teladoc Resources
- Medicare Services from NFP
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Dental
- Dental Benefit Summary
-
Other
- Life and AD&D
- Short-Term Disability
- Long-Term Disability
- Contacts
- Footer
Who is eligible for benefits?
Regular full-time employees and employees working 30 hours per week or more are eligible to participate in the benefit plans.
Who are my legal dependents?
- Your legal spouse
- Your children (up to age 26) including natural, step, legally adopted/placed for adoption, and children for whom you serve as legal guardian
- Disabled dependent children (any age)
When does my coverage start?
Your Medical, Dental, and Vision coverage becomes effective on your date of hire.
The employer-paid Life Insurance and Disability coverage becomes effective after you have worked for 90 days.
Qualifying Life Events
You can modify your elections under certain circumstances, called qualifying life 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 life event during the year, you may make changes to your benefits within 30 days. Contact your HR Department as soon as possible to make changes to your benefits. If you miss this special enrollment window, you will have to wait until the next annual open enrollment.
How to Enroll
To enroll in new coverage or make changes to your existing coverage, complete the enrollment forms below.
Independence Blue Cross
- Medical Benefits
- Vision Benefits
- Pediatric Dental Benefits
United Concordia
- Dental Benefits
Mutual of Omaha
- Basic Life and AD&D
- Short-Term Disability
- Long-Term Disability
Understanding Your Benefits
Medical Coverage
Plan Options:
- Personal Choice PPO Platinum Preferred
- Personal Choice PPO Gold HSA
- Keystone HMO Gold Proactive Value
Features:
- All plans include Pediatric Dental and Vision coverage
- All plans cover a set of preventive services, like shots and screenings, at no cost to you
- You pay less out of pocket if you receive care from an in-network provider
Virtual Care
Members have several options to receive care quickly and conveniently from a doctor, specialist, or behavioral health professional.
When it’s not an emergency, virtual care is a fast, convenient, and affordable option. Whether you’re connecting with your own doctor or need to talk with someone after hours or when you’re away from home, Independence Blue Cross provides you with options in every situation.
Teladoc Health includes services such as:
- Telemedicine
- Telebehavioral health
- Teledermatology
See the flyers below for more information.
Medicare Services from NFP
Considering Medicare coverage? NFP is proud to support you when it comes to Medicare and understanding your coverage options.
As trusted advisors in the individual markets for over 20 years, our team is comprised of experienced and knowledgeable agents specializing 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
The best part? There is never a fee for our services.
Dental
Concordia Flex Plan
Network: Advantage
Features:
- Some of the nation’s largest networks of dentists and specialists
- Both in- and out-of-network coinsurance percentages are the same
- Affordable costs, no claim forms to fill out, no balance billing (for covered services) when using a network dentist
Life and AD&D
Life and AD&D Benefits
Life insurance can provide your dependents with a lifetime of financial security, and upon your death, can be used to pay off your debts (such as credit cards, mortgages, or other expenses) for your family.
Voluntary Life and AD&D Benefits
If you need additional protection beyond the company-paid Basic Life Insurance, you may purchase Voluntary Term Life and AD&D Insurance for yourself and your eligible dependents.
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.
This 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
This coverage pays a monthly benefit if you have a covered illness or injury and cannot work for a few months or longer.
You are generally considered disabled if you are unable to do important parts of your job - and your income suffers as a result.
Contacts
You have dedicated agents ready to handle any situation in a discreet and confidential manner. Contact us for questions and needs such as:
- Understanding your medical, dental, or vision coverage
- 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
Michelle Ruff
Vice President, Corporate Benefits
michelle.ruff@nfp.com
724-940-9404
Tracy Tirko
Account Manager II, Corporate Benefits
tracy.tirko@nfp.com
814-289-4229