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 30) 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 coverage becomes effective on the 1st of the month following your date of hire.
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
Benefit enrollment is managed through Rippling. Compare plans, see costs, and make your benefit selections - all from desktop or mobile. New hires and current employees will receive an email invitation from Rippling to complete enrollment.
Benefits Overview
- Medical Benefits: Cigna
- Base Plan: $5,000 Deductible
- Buy-Up Plan: $500 Deductible
- HSA Plan
- Dental Benefits: Cigna/Guardian
- Base Plan (Cigna)
- Buy-Up Plan (Guardian)
- Vision Benefits: Guardian
- Other Coverage: Guardian
- Basic Life and AD&D (Employer Paid & Voluntary Options)
- Short-Term Disability (Employer Paid)
- Long-Term Disability (Employer Paid)
- Additional Resources: Aflac
- Accident
- Critical Illness
- Identity Theft Protection
- Norton LifeLock
Understanding Your Benefits
Cigna Medical Benefits
Plan Options:
- Base Plan 5,000 Deductible
- Buy-Up Plan 500 Deductible
- HSA Plan
Features:
- Preventive services covered at 100% in-network; copays and deductibles do not apply.
- You pay less out of pocket if you receive care from an in-network provider.
- You do not need a referral to see a specialist.
Cigna Virtual Care
Cigna Healthcare has partnered with MDLIVE® to offer a comprehensive suite of convenient virtual care options - available by phone or video whenever it works for you.
- Primary Care | Preventive care, routine care and specialist referrals
- Behavioral Care | Talk therapy and psychiatry from the privacy of home
- Urgent Care | On-demand care for minor medical conditions
- Dermatology | Fast, customized care for skin, hair and nail conditions - no appointment required
Cigna Healthy Rewards
Flexible Spending Account (FSA)
Plan Options:
- Medical
- Limited Medical (if paired with the HSA)
- Ability to rollover $660 per year with either Medical option
- Dependent Care
What is an FSA?
Like an HSA, a Flexible Spending Account (FSA) is a tax-advantaged personal savings account that can be used to pay for medical, dental, vision, and other qualified expenses. Unlike an HSA, you do not need to be enrolled in a high-deductible health plan (HDHP) to qualify for an FSA. FSA funds typically expire at the end of each year, but you have the ability to rollover $660 per year with either Medical option.
Dental
Plan Options:
- Dental Base Plan (Cigna)
- Dental Buy-Up Plan (Guardian)
Vision
Full Feature - Designer B
Network: Davis
Eyes can give doctors a clear picture of overall wellness. That’s why vision care and benefits can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
- Diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Glaucoma and cataracts
Life Insurance
We believe we should offer our employees the opportunity to provide for their family's future rather than leaving it to chance. 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 and your mortgage - or other expenses that could burden your family.
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.
Additional Resources
Identity Theft Protection
Norton offers a choice of 3 Identity Protection Options with LifeLock.
Protect your Identity!
Contacts
You have dedicated Agents ready to handle any situation in a discreet and confidential manner.
Contact us for service 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
Erica Jones
Account Executive
erica.jones@nfp.com
724-940-9466
Michelle Ruff
Producer / Sales Consultant
michelle.ruff@nfp.com
412-600-2341