Introduction
Welcome to Flywheel Energy Management Benefits. We are pleased to present this site, which highlights the comprehensive coverage available to you. Our benefits program is designed to offer employees substantial coverage to meet both individual and family needs. This microsite includes only highlights. The specific terms of coverage, exclusions and limitations are contained in the plan documents and insurance certificates. All coverage and coverage costs are subject to change at any time in the future. If you have any questions about a specific service or treatment, please contact the appropriate insurance carrier.
How To Enroll
All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.
- Accessible 24/7.
- View all benefit plan options and your elections.
- View important carrier forms and links.
- Report a qualifying life event; and
- Make any changes to beneficiary designations and more.
Enrollment Instructions:
- Go to www.Paycom.com.
- Follow instructions and enroll in your benefits.
- Make sure to save your elections and print your confirmation statement.
If you have a qualifying event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Common life events include Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.
Medical / Rx
Medical Benefits
Having access to high quality, affordable health care is a great concern for most people. That’s why we are pleased to offer employees, and their families, comprehensive medical coverage administered by Lucent. The new partnership with Lucent brings with it many additional member perks. Check out the attachments below to become familiar with everything Lucent has to offer.
Lucent Health - Plan Administrator & Member Support
You have four health plan options. The PPO option is designed with most expenses as a copay, such as office visits, emergency room and prescription drugs. Other expenses are subject to a deductible and coinsurance. The HDHP is similar to the PPO plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA).
Use the link below to find a provider in your network.
Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care FSA
Fortunately, good health can actually cost less. Over the long-term, if our health benefits program can help you maintain or improve your health, we all win. That’s why we are excited to offer a Health Savings Account (HSA), Administered by Optum. An HSA is an example of a consumer-driven health plan that is designed to empower you to take control of your health and the dollars you spend on your care.
An HSA is an account that accumulates funds to cover your health care expenses. It comes with a high-deductible health plan that protects you from large health care expenses.
If you choose to enroll in the HSA Qualified High-Deductible Health Plan (HDHP) with Optum, you can elect to participate, and specify your annual contribution, on your Application/Change form.
You can make a contribution to your HSA each year that you are eligible. For 2025 you can contribute no more than:
- Self-only coverage - $4,300
- Family coverage - $8,550
- Individuals ages 55 and older can also make additional “catch-up” contributions of $1,000.
For the 2025-2026 Plan Year, Flywheel will contribute to your HSA based on the plans/elections below.
$3,300 HDHP Plan
- Employee - $500
- Employee + Dependent - $1,000
$5,000 HDHP Plan
- Employee - $750
- Employee + Dependent - $1,500
The Health Care and Dependent Care Flexible Spending Accounts (FSA), administered by Lucent, allow 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 $3,300 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
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
How the Plan Works
You must incur your eligible expenses during the plan year — July 1, 2025, to June 30, 2026. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service.
Ameritas Dental
The Ameritas dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Ameritas Dental Network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please visit the Ameritas website below.
Ameritas Vision
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol.
- Babies should receive their first professional eye exam at 6 months.
- 80% of learning in the first 12 years comes through the eyes.
Flywheel Energy Management offers vision coverage through Ameritas to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the VSP Choice Network. Review your coverage details in your Benefit Guide.
Prudential Basic Life, Voluntary Life & AD&D
Basic Life & AD&D
Flywheel Energy Management provides you with Basic & Voluntary Life/AD&D coverage through Prudential.
Employees working 30 or more hours per week are eligible for 1x your annual earnings, up to a maximum benefit of $500,000, coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.
Voluntary Life & AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child. Please consult your Employee Benefits Guide and review the benefit summaries for additional details.
Prudential Short-Term and Long-Term Disability
Short-Term Disability (STD)
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. 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 (LTD)
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months–even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.
Voya Accident, Critical Illness and Hospitalization
Flywheel Energy Management offers a competitive benefits package for all employees. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:
- Critical Illness - Benefits are paid directly to you as the employee upon the diagnosis of a critical illness. Illnesses include Cancer, Heart Attack and Stroke. Also pays for preventative check-ins and early diagnosis of these serious conditions.
- Accident Insurance - Benefits are paid directly to you as the employee upon accidents requiring medical treatment. Also pays you a Wellness Benefit for doing your preventative screens.
- Hospitalization Insurance - With Hospital Indemnity insurance, you’ll receive a fixed daily benefit if you have a covered stay in a hospital, intensive care unit, or rehabilitation facility that occurs on or after your coverage effective date.
Refer to your Summaries of Benefits and Coverage, for more benefit details.
Norton LifeLock
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Identity theft can affect anyone—from infants to seniors. Each generation has habits that savvy criminals know how to exploit—resulting in over $43 billion lost to identity fraud in the U.S. in 2022. Take action with award-winning Norton LifeLock identity theft protection.
Greater Peace of Mind
With Norton LifeLock as an employee benefit, you have a more convenient and affordable way to help better protect and monitor your identity. You’ll be alerted to potentially suspicious activity and enjoy greater peace of mind knowing you don't have to face identity theft alone.
Wellbeing Resources
Vitality
We're excited to partner with Vitality for our Wellness plan! Vitality is a comprehensive, interactive, and personalized wellness program that makes it easy for you to make healthy choices. Vitality provides a range of tools and resources to navigate your way to a healthier you! As you earn more points, you will increase your status level and earn greater rewards.
Employee Assistance Program (EAP)
ComPsych through Guidance Resources
When life gets challenging, don't hesitate to reach out. The EAP is here for you and your dependents, offering counseling and consultation services. You can contact 800.311.4327 or access resources on the website guidanceresources.com. The company Web Id is GRS311.
Wise & Well Training Center
The Wise & Well Training Center serves as a resource for employees to enhance their well-being and support their mental and physical health. If you're in need of a little uplift, visit the Wise & Well Training Center for additional information.
Contact Us
Client Contacts
Kelsee Roberson
kelsee.roberson@flywheelenergy.com
(405) 702-6865
Account Team Contacts
Jill Zamudio
Account Manager
jill.zamudio@nfp.com
405-513-8965