Welcome
Annual enrollment is your opportunity to learn about the 2026 Health Care Program, review your current coverage and choose the best options for you and your family.
You will have until November 14 to change your existing coverage or make new elections.
Please review our 2026 Enrollment Guide and attend our upcoming education sessions to learn more about our 2026 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
- Presentation by NFP - Monday 11/3 at 3 PM & Tuesday 11/11 at 11AM
Benefits Overview
We are happy to announce our Medical, dental and vision carriers and plans will remain the same for the 2026 plan year. Our Disability and Life insurance will also be remaining with The Hartford for 2026. Open enrollment will take place over ADP.
Premium information can be found on page 29 of the Open Enrollment Guide.
Deductibles and out of pocket maximums will reset January 1, 2026.
Saatva is holding its annual open enrollment period for all employees November 3rd to November 14th. This is the time for you to review, revise and elect your benefits including:
- Medical
- Dental
- Vision
- Voluntary Life Insurance
- FSA
- HSA
- InsureChoice
How To Enroll
- Visit ADP to review and make changes to your benefit plans
- If you'd like to change your existing coverage or make new elections, you must do so by November 14th. Your current medical, dental and vision elections will map to the closest matching plan for 2026 if you don't make a new election.
- If you want to enroll in Voluntary Life insurance, you must make an active election.
- To participate in a Health Savings Account or Flexible Spending Account in 2026, you must make an active election.
Medical
You will have three medical options to choose from
- PPO Choice Plus Plan- This plan includes out-of-network benefits, subject to plan limitations.
- EPO Choice Plus Plan- Mid-tier plan. The EPO plan is structured similarly to a traditional PPO plan, covering eligible medical care within Aetna's network only.
- HDHP Choice Plus HSA Plan- High Deductible Health Plan (HDHP) with a Health Savings Account (HSA). This plan has a high deductible that applies to all benefits until it is met. Only under this plan, you have the opportunity to open an HSA and contribute funds on a pretax basis. These funds can be used to pay the deductible, used on eligible expenses, or saved for the future. HSA funds are yours to keep, even if you leave the company someday, and the funds roll over from year to year. Saatva is contributing $1000 to eligible employees' HSA accounts in 2026!
Dental
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:
Vision
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:
Ancillary Benefits
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.
FSA
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
- Up to $3,400 annually
- All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Limited Health Care FSA used with an HSA
- Up to $3,400 annually
- Only participants who contribute to an HSA are eligible
- Reimbursements are limited to unreimbursed dental and vision expenses only
Dependent Care FSA
- Up to $7,500 annually
- Limited to $3,750 if you are married and file separate tax returns
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 $680. Any funds unclaimed after that will be forfeited.
InsurChoice
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.
Additional Resources
Contact Us
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