Benefits Guides
You can access and review our 2026-2027 Benefits Guides below.
Benefits Overview
ALLIED IS THE ADMINISTRATOR FOR THE MEDICAL PROGRAM - AETNA SIGNATURE ADMINISTRATORS / NORTHWELL DIRECT NETWORKS
- Effective 7/1/2026, there will be enhancements to the Northwell Direct benefits on both medical plans offered through Allied. Northwell Direct benefits are only available in-network in metro NY and NJ.
- EPO and PPO Plans Plan Design Changes - Tier 1 / Northwell Direct (NWD) only
- The NWD Primary Care Provider copay will decrease from $15 to NO CHARGE
- The NWD Specialist copay will decrease from $25 to $20
- The NWD Inpatient Hospital copay will decrease from $250 to $200
- The NWD Outpatient Hospital copay will decrease from $125 to $100
- EPO and PPO Plans Plan Design Changes - Tier 1 / Northwell Direct (NWD) only
- There will be no changes to either of the medical plans when you visit a provider or facility in the Aetna Signature Administrators network.
- Virtual Physical Therapy through Allied’s partnership with Hinge Health is now available to members at NO CHARGE.
- Hinge is available to adult members 18+ and supports a wide range of musculoskeletal (MSK) needs, including acute injuries and chronic pain, neck, back, shoulder, hip, knee, and foot conditions, women’s pelvic health (pelvic pain, bladder control, postpartum recovery, menopause-related MSK issues), surgical candidates (prehab and rehab), and fall prevention and general mobility strengthening.
- Get started by engaging with your Care Navigator with an MSK concern through the Allied app or by completing a clinical assessment on the My Allied portal.
- As a reminder, only the PPO plan includes out-of-network coverage.
Aetna Dental Plan
- Employee contributions for the DMO Dental plan will remain the same and there will be no plan changes.
- Employee contributions for the PPO 1 and PPO 2 Dental plans will decrease slightly and there will be no plan changes.
Davis Vision
- There will be no plan or rate changes to the plan this year.
How To Enroll
Visit ADP WorkforceNow to review your current coverage. If you are a new hire or experiencing a qualifying life event (QLE), visit ADP WorkforceNow to enroll or change your elections.
Voluntary Accident & Hospital Indemnity Coverages
- Accident insurance pays a cash benefit to an employee or a covered dependent who is injured in a covered accident.
- Hospital Indemnity insurance provides a cash benefit when an employee or covered dependent is admitted to the hospital due to a covered sickness or injury (including for maternity/pregnancy).
Please note, all plans are offered with the following provisions:
- Guaranteed Issue – no health questions required for enrollment.
- No pre-existing condition limitations or waiting periods – benefit payable event must occur after the plan effective date.
InsurChoice - NFP's Digital Marketplace
InsurChoice offers you the ability to personalize your protection program — bringing you quick, convenient, holistic coverage with incredible cost-saving discounts across a variety of top-rated insurance products and carriers. Our program is simple, fast, and always online. Find coverage in the blink of an eye!
Key benefits include:
- Competitive pricing: One size doesn’t fit all, so you can match yourself with the best rates and coverages from multiple insurance companies.
- Custom-tailored coverage: Select the products that meet YOUR needs.
- Stability: We have relationships with key national carriers who have a proven track record of rate and coverage stability.
- Innovation: With our innovative product delivery platform, we are constantly striving to add more benefits and improve your experience.
Four Leaf
401(K) Retirement Plan
Additional Resources
NFP Benefits Concierge and Claims Advocacy team
As a reminder, all employees and enrolled dependents participating in our Medical plan have access to a Benefits Concierge and Claims Advocacy team. This is a valuable resource provided to us by our benefits consulting firm, NFP. They provide a one-stop contact center for answering your medical plan questions and resolving medical claim issues.
The Benefits Concierge can help with Medical:
- Benefits questions
- ID card issues
- Prescription issues
- Provider network questions
- And much more!
The Claims Advocacy team can help with Medical:
- Claims questions
- Review of Explanation of Benefits
- Questions Regarding Bills/Claims Resolution
- Prescription Issues
- Appeals
- And much more!
Contact Us
Contact Human Resources
Contact your Human Resource Department Monday through Friday from 8 am to 5 pm (EST)
Contact your Claims Advocate (medical claims related inquiries)
Email: CSclaims@nfp.com
Contact your Benefits Concierge (medical benefits related inquiries) Monday through Friday from 9 am to 6 pm (EST)
Phone: 877-835-1361
Email: DBbenadmin@nfp.com
Are you or a loved one approaching Medicare eligibility? Contact the Medicare Team at NFP to speak with an adviser you can trust.
Phone: 888-805-7701
Email: TeamMedicare@nfp.com
The information in this document is intended as a general outline of the benefits offered under your employer's benefits program and should not be considered legal, investment, or other benefits advice. Specific details and plan limitations are provided in the Summary Plan Descriptions (SPD), which is based on the official written Plan Documents that may include carrier policies, contracts, and plan procedures. The SPD and Plan Documents contain all the specific provisions of the plans. In the event that the information in this document differs from the Plan Documents, the Plan Documents will prevail. Benefit plans are subject to change, amendment, or termination without notice to or the agreement of any employee/participant. If you have any questions regarding this information, contact Human Resources.