Annual enrollment is your opportunity to learn about the 2023 Health Care Program, review your current coverage and choose the best options for you and your family.
You will have until November 21 to change your existing coverage or make new elections.
Please review our 2023 Enrollment Guide and attend our upcoming education sessions to learn more about our 2023 benefits offerings.
Education Sessions :
In order to help you evaluate plan options and make an informed choice about plan options, we have organized the following information
sessions:
Open Enrollment
Three Virtual "Office Hour” Sessions (these optional office hours are times when Kyle Bamford will be available to answer any questions you may have)
Whitestone/NY-VR OE "Office Hours" 11/16:
We are happy to announce our Medical, dental and vision carriers and plans will remain the same for the 2023 plan year. Our Disability and Life insurance will be moving to The Hartford for 2023. Open enrollment will take place over ADP.
Premium information can be found on page 23 of the Open Enrollment Guide.
Deductibles and out of pocket maximums will reset January 1, 2023.
Saatva is holding its annual open enrollment period for all employees November 9th to November 21st. This is the time for you to review, revise and elect your benefits including:
You will have three medical options to choose from
Your Dental plan is remaining the same. You will continue to have the option to enroll in the dental PPO plan through Cigna.
For additional plan details please see summary at the link:
Your Vision plan is remaining the same. You will continue to have the option to enroll in the dental PPO plan through Cigna.
For additional plan details please see summary at the link:
Life Insurance
All employees have access to a Voluntary Life Insurance program through The Hartford where you can purchase life insurance for you and your family.
Company-paid life insurance becomes available for employees as they advance their careers with the company.
Disability
Saatva partners with The Hartford to administer New York State Paid Leave programs, and participates in other state-specific programs as required.
Company-paid disability insurance becomes available for employees as they advance their careers with the company.
The Health Care and Dependent Care Flexible Spending Accounts (FSA) through BRI allows you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.
Contributions
The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.
You may contribute as follows:
Health Care FSA
Limited Health Care FSA used with an HSA
Dependent Care FSA
How the Plan Works
You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have 60 days after the plan year ends to file your claims. You can rollover $500. Any funds unclaimed after that will be forfeited.
InsurChoice offers you the ability to personalize your own protection – bringing you quick, convenient, holistic coverage with incredible cost-saving discounts across a variety of top-rated insurance products and carriers.
Get competitive coverage at competitive prices at the link below.
Contact Human Resources at HR@saatvamattress.com or 917-391-6447
Benefits Concierge
•How do I find an in-network Provider or Facility?
•Can you explain how this plan works? (such as the HSA, medical or dental plans).
•Resetting of passwords / log-in issues
•Coverage questions such as Rx issues
•How does COBRA work? How much will it cost me?
•When will I receive my benefit ID cards?
•Does my plan cover these services? (i.e., IVF, orthodontics, speech therapy)
•I just found out that I am pregnant. What does my plan cover for pregnancy?
Call 877-835-1361 or email
DBbenadmin@nfp.com
Business Hours:
9 am – 5 pm Eastern Time
Claims Advocacy
•Why am I being billed by my doctor?
•Why isn’t my claim being covered if my doctor said it was necessary?
•How do I submit my claim? What forms do I use?
•Was my authorization approved?
•Did my insurance process my claim(s) properly?
•There is a specific charge with this date of service that is not covered, and I would like to know why.
•I used an in-network facility. Why am I receiving a bill above my copayment?
•I am using an in-network doctor - the facility he works at is out of network. How do I get the services covered?
•My doctor has prescribed a prescription that is over the allowed dosage. How can I get this prescription covered?
•I don’t agree with the carrier’s denial. How can I dispute it?
Contact Info:
CSclaims@nfp.com
Business Hours:
9 am – 5 pm Eastern Time
