Welcome to your Virtual Benefits Center.
This site was designed to be a centralized resource for you to learn about your benefit offerings during open enrollment and throughout the year. Here, you can find plan information, enrollment details, and tools to help you choose the right coverage for you and your family.
Plan Year
November 1, 2026 - October 31, 2027
What is Open Enrollment?
Open Enrollment is the one time of year that you are able to enroll in or modify your employee benefits for the upcoming plan year. Elections you make at this time will remain in effect until the next Open Enrollment period, unless you have a Qualifying Life Event that allows for a plan change.
What is a Qualifying Life Event?
A Qualifying Life Event (such as marriage, divorce, birth/adoption of a child, or loss of eligibility under another plan) allows you to make plan changes outside of Open Enrollment. If you experience this type of event during the year, you may modify your benefits within 30 days by notifying HR as soon as possible. Learn more.
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 coverage becomes effective on the 1st of the month following your date of hire.
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.
Your Benefit Options
Medical | Cigna
Dental | Cigna/Guardian
Vision | Guardian
HSA/FSA
Life and AD&D | Guardian
Short-Term Disability | Guardian
Long-Term Disability | Guardian
Cyber Security | Norton LifeLock
Supplemental Coverage | Aflac
Understanding Your Benefits
Covered Health Service: A service could be an office visit, test, prescription, or another medical treatment your health insurance covers. Before seeking care, check to make sure the service is covered.
Claim: The request for payment that's sent to your health insurance company after you receive covered care.
Copay: A fixed fee that you must pay for a covered service as outlined in your plan design, usually at the time you receive the service.
Plan Allowance: The set amount your plan will pay for a health service, even if your provider bills for more.
Deductible: The set amount you pay for a covered health service before your plan will begin to pay. Will be outlined within your plan design.
Coinsurance: The percentage of the cost of your covered health care services, that you must pay after you've met your deductible.
Out-of-Pocket Maximum: The most you'd pay for covered care within the plan period. If you hit this amount, your plan pays 100% after it is reached.
Premium: The monthly amount paid (by your employer, a combination of employer and employee or the employee only if voluntary)
In-Network Provider: A doctor, hospital, or other provider in the plan's network. Network providers accept the plan's payment in full. You pay less when you use an in-network provider. With the exception of care for emergent and urgent conditions, if the plan does not offer out of network coverage, you must seek an in–network provider for all covered services.
Out-of-Network Provider: Provider who does not have a contract with your health insurer to provide services to you at a discount. You will generally pay more to see an out-of-network provider. If you have an EPO or HMO plan, you are not covered for out-of-network services (except for emergency and urgent care services).
Formulary: A list of medications covered by your plan sorted by tier. Lower tiers usually mean lower copays.
Medical + Rx
Plan Details
- Base Plan: $5,000 Deductible
- Buy-Up Plan: $500 Deductible
- HSA Plan: Qualified Health Savings Account
Did you know?
- Preventive services are covered at 100% in-network, and 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.
Download the myCigna app
Find care, check benefits and coverage, access member ID cards, view claims, and more.
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
Rx Information
Cost-Saving Tips
- Ask About Generics: Generic medications are often just as effective as brand-name drugs and typically cost much less. Ask your doctor if a generic alternative is available.
- Use Home Delivery or Mail Order: Many pharmacy plans offer lower costs for a 90-day supply through mail order or home delivery services.
- Check for Discounts and Coupons: Manufacturer coupons, pharmacy savings programs, and prescription discount services may help reduce your out-of-pocket costs.
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
Best of all, there is never a fee for our services.
