City of Gahanna
Table of Content
- Header
- Announcements
- 2026 Benefits Overview
- Your NFP Team
- Eligibility
- How to Enroll
- NEW! Employee Assistance Program through CuraLinc
- NEW! Telemedicine through First Stop Health
-
NEW! Prescription Advocacy through ImpaxRx
- NEW! SaveOnSP
- NEW! Wellness through PeopleEQ
- NEW! Pharmacy Discounts through ImpaxRX
- NEW! Dependent Care FSA through UMR
-
Medical
- Summary of Benefits and Coverage
- Health Savings Account (HSA)
- HSA Required Documents
- HSA Contribution Amounts
- HSA Contribution Amounts Cont.
- Prescription
- MetLife
- Dental
- Vision
- Hearing
-
Life Insurance
- Basic Life Insurance
- Voluntary Life Insurance
- Beneficiary Designation
- Travel Assistance
-
Short Term Disability
- STD Summary
- Critical Illness
- Accident Protection
- Employee Contributions
-
Required Documents
- Waiver of Coverage Forms
- Contact Information
- Compliance
- Footer
City of Gahanna Employee Benefits
Announcements
Hello Team,
We have some important updates to share about your health and wellness benefits—please take a few minutes to review, as some changes require action from you.
What’s Changing
Over the past year, we have been reviewing our employee health benefit program to ensure you are receiving the best and most affordable health benefit program. Here’s what you need to know:
🌿 Wellness Programming
- New Partner: We’re thrilled to welcome PeopleEQ, a nationwide wellness provider with a user-friendly app and website. Stay tuned for rollout details later this year! - This launches November 3.
- EAP: We have partnered with CuraLinc to offer a new Employee Assistance Program, offering extra benefits to make your lives easier, effective 1/1/2026.
- Virtual Urgent Care: Starting on 1/1/2026, we are proud to offer a new telehealth urgent care service via First Stop Health. Experience medical diagnoses and more at your fingertips!
- New Pharmacy Discounts: We now offer discounts on high-cost pharmacy scripts via a new partnership with ImpaxRX, effective 1/1/2026.
- Expanded Rx Offerings: RxBenefits will be adding the SaveOnSP program which lowers the financial burden of specialty medications for plan participants.
More updates to come later in the year!
2026 Benefits Overview
Medical: UMR
Prescription: Express Scripts / RxBenefits
Dependent Care FSA: UMR
Dental: MetLife
Vision: MetLife
Basic/Voluntary Life: MetLife
Accident Protection: MetLife
Critical Illness: MetLife
Short Term Disability: MetLife (Available to Unclassified, FOP, and OLC employees)
Hearing Wellness Program: TunedCare
New Benefits Effective 1/1/26
Pharmacy Assistance: ImpaxRX and SaveOnSP
Employee Assistance Program: CuraLinc
Telemedicine: First Stop Health
Wellness Platform: PeopleEQ
Eligibility
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time employee working at least 30 hours per week.
New Hires: Your coverage will be effective first of the month following date of hire.
DEPENDENT ELIGIBILITY
You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
OPT OUT INCENTIVE
The City of Gahanna offers an 'opt out' incentive each year to union members who waive medical coverage offered by Gahanna and can demonstrate they have other coverage. You must complete the waiver form and submit to HR.
QUALIFYING EVENTS
You can modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, or loss of eligibility under another plan. If you experience a qualifying event, you must make changes to any and all benefits within 30 days of the event.
What is a Qualifying Life Event?
- Marriage
- Divorce
- Birth/Adoption of a child
- Death of a spouse or other enrolled dependent
- Change in spouse’s benefits or employment status
- A dependent becomes eligible for Medicare or Medical
Video Preview
What is a Qualifying Life Event?
What is a Qualifying Life Event?
How to Enroll
Enrollment will be submitted through our Employee Self-Service Site.
- Employees will be able to complete most of the enrollment tasks online. Paper forms will not be accepted unless indicated.
- Only specific paper forms will still need to be completed, depending on the benefit type (see OPTIONAL ITEMS below).
MANDATORY FORMS:
- Wellness Program Participation Agreement
- Wellness Rewards Payment Form (for participants only)
MANDATORY TASKS:
- Review the Resources provided on the ESS site
- Use the link below to review resources and enroll
- 2026 Other Insurance Notice via www.umr.com or phone (instructions at bottom of Table of Contents page)
- If new to HDHP/HSA plan, open a Health Savings Account with a bank of your choice, complete HSA enrollment form
OPTIONAL ITEMS (paper enrollment):
- Life Insurance beneficiary change form
- Critical Illness enrollment form
NEW! Employee Assistance Program through CuraLinc
The City of Gahanna now offers EAP benefits through CuraLinc, effective 1/1/2026!
CuraLinc offers numerous benefits that help balance your emotional wellbeing and work-life balance. This benefit provides employees with a fast, coordinated, and authentic connection to quality care through a full integrated system of in-person, virtual, and digital modalities. As a result, CuraLinc has built a contemporary and engaging mental health program that creates meaningful change and help for employees.
The CuraLinc program offers a wide range of benefits to address the needs of a diverse workforce. Beginning on 1/1/2026, CuraLinc will offer the SupportLinc program, which specializes in facilitating meaningful changes in employees' mental wellbeing. These benefits include:
- The ability to reach a licensed clinician by phone 24/7/365 for assistance with emotional concerns like stress, anxiety, depression, burnout, or substance abuse.
- Referrals for up to 8 no-cost in-person or video counseling sessions.
- Coaching to boost your emotional fitness, learn health habits, establish new routines, build your resilience, and more.
- Access expert consultation for legal and financial issues.
- Receive referrals for everyday needs such as child or elder care, pet care, home improvement, or auto repair.
SupportLinc also features strict confidentiality standards. No one will know that you have accessed the program without your written permission for peace of mind!
Use the below link to register your CuraLinc member account.
SupportLinc Code: gahanna
SupportLinc First Responders Code: gahannapolice
NEW! Telemedicine through First Stop Health
All benefit enrolled employees, and their covered spouses have access to First Stop Health Telemedicine.
No crowded waiting rooms. No driving. See a doctor when you need a doctor. Talk to a doctor 24/7 at no cost to you.
When can I use First Stop Health?
- your doctor is not available.
- you will become ill when traveling.
- when you are considering a hospital visit for a non-emergency health condition
What is a non-emergency condition?
- Bladder infection
- Bronchitis
- Diarrhea
- Fever
- Rash
- Seasonal flu
- Allergies
- Sore throat
How does it work?
- Call (888) 691-7867 or log in to fshealth.com or download the mobile app to request your doctor visit.
- Set up your account now so its ready when you need it!
- Complete patient registration for medical history, pharmacy preference, primary care physician contact information and insurance information.
- Each time you visit you will be asked brief medical questions. If appropriate you will be connected to a doctor using secure live audio and video. You and your doctor will discuss your medical issue and if appropriate your doctor may write a prescription.
NEW! Prescription Advocacy through ImpaxRx
ImpaxRX is a prescription advocacy program that assists employees and their family members with the high cost of certain eligible medications. If the medications you or a family member are taking is identified as eligible under the Medication Under Management (MUM) program, an ImpaxRX advocate will reach out to you to confirm your enrollment in the program and obtain additional information needed to secure the medication at no cost.
Timely participation with ImpaxRX is required to receive these programs for your high-cost medications. Please respond if ImpaxRX contacts you! This will allow them to work on your behalf to obtain you medication at no cost.
There is no cost to you to participate in this program, and there will be no copayments for eligible medications approved by the program. Additionally, by using the program, the cost of these medications is lowered under the Gahanna Health Plan which allows for savings to keep employee premium contributions to a minimum for all.
Please call ImpaxRX at 844-467-2979, option 1 with questions.
NEW! SaveOnSP
Take control of rising specialty drug costs with SaveOnSP, the program that helps plan sponsors and members save more—without sacrificing access to vital medications. Through a unique partnership with Express Scripts, SaveOnSP leverages manufacturer copay assistance to deliver $0 member costs on nearly 400 specialty drugs across 20+ therapy classes.
SaveOnSP redefines how specialty benefits work by reducing limitations, easing member responsibility, and ensuring lasting savings for employers and health plans alike.
Empower your plan. Lower your costs. Support your members.
Talk with your Express Scripts account team today to discover how SaveOnSP can make specialty spending smarter.
NEW! Wellness through PeopleEQ
The City of Gahanna now offers the PeopleEQ wellness platform.
Whether you’re just starting to consider making healthy changes or trying to add new challenges to your wellness routines, you’ll have access to the same great tools and support you need to reach your goals.
You can check out daily wellbeing tips, track Healthy Habits, take small steps with digital coaching, join your friends and coworkers in fun challenges, and so much more. And it’s all available in the easy-to-use app so you always have what you need on the go. Connect devices, apps and activity trackers you already use to sync and automatically track health data like steps, sleep and mindful minutes.
NEW! Dependent Care FSA through UMR
Allows you to pay for eligible dependent care expenses with tax-free dollars so that you and your spouse can work or attend school Full-time.
Funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.
- You may set aside up to $7,500 annually in pre-tax dollars, or $2,500 if you are married and file taxes separately from your spouse.
- If you participate in a Dependent Care FSA, you cannot apply the same expenses for a dependent care tax credit when you file your income taxes.
Dependent Care FSA funds can be used to pay for things such as:
- Child care
- Before-school/after-school care
- Day camp
- Dependent care center
- Nursery school
- Preschool/Pre-Kindergarten
Medical
The City of Gahanna offers 1 medical plan option through UMR.
- HDHP Plan: $3,400 Single Deductible / $6,800 Family Deductible
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept UMRs contract rate as the final charge and members are not balance billed. Employees who receive care from an Out of Network provider will be responsible for higher costs and can be balance billed.
*Embedded Deductible: Each person on the plan has their own deductible, however the family has its own total deductible. No single individual on the family plan will need to pay a deductible higher than the individual amount.
Your hearing benefits have expanded to include expanded access to hearing aids for all ages! See the chart below for more information.
Medical Summary
Hearing Summary
Health Savings Account (HSA)
A Health Savings Account (HSA) is a tax-free savings account that is owned by you, is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance.
To have an HSA and make contributions to the account you must meet several basic qualifications.
- You must have coverage under a qualified High Deductible Health Plan (HDHP)
- Participants cannot be covered by any other health insurance plan (this exclusion does not apply to dental, vision, disability or long-term care coverage)
- Participants cannot participate in a Healthcare FSA or spouse/domestic partner's Healthcare FSA or Health Reimbursement Account (HRA)
- Participant cannot be enrolled in Medicare or Medicaid
- You cannot be eligible to be claimed as a dependent on someone else's tax return
- You have not received Department of Veterans Affairs Medical benefits in the past 90 days.
An HSA account will need to be established with the banking institution of your choice. The account details will need to be provided to City of Gahanna in order to have the employer contribution deposited into your account.
Maximum contributions are as follows: (new 2026 IRS limits)
- $4,400 for Employee Only
- $8,750 for a Two-Person or Family
Please notify HR annually if you'd like your annual service credits to be added to your HSA.
Video Preview
Understanding an HSA
Understanding an HSA
HSA Contribution Amounts
Prescription
Your prescription drug coverage through Express Scripts / RxBenefits is illustrated in the table shown below.
RxBenefits: Your Dedicated Support for Prescription Medication Assistance
Effective 1/1/2026, RxBenefits has taken on the role of customer support provider for City of Gahanna pharmacy benefits.
Employees and their family members should contact RxBenefits directly for any questions, concerns, appeals, or issue resolution related to their pharmacy benefits.
Medical providers should contact RxBenefits with any questions and should submit prior authorizations (PA) directly to RxBenefits.
Why Contact RxBenefits?
✔ Direct Human Support: Speak with a live representative—no complex automated systems.
✔ Expert Assistance: Our team is equipped to handle all pharmacy-related inquiries efficiently.
✔ Extended Availability: Member Services is available Monday – Friday, 7 AM – 8 PM CST to support your needs.
Prior Authorization (PA) Requests
Submit PA Requests: RxBenefits PA Portal: https://rxb.promptpa.com
Fax: 888-610-1180
PA Support: 888-608-8851
WHERE CAN I FIND A DRUG LIST?
Typically, a full listing of covered drugs is found on your provider’s website. A drug list, also called a formulary, is a list of generic and brand-name drugs covered by a health plan. Although a drug may be on the drug list, it might not be covered under every plan. Review the plan materials for details on specific benefits.
You can use drug lists to see if a medication is covered by your health insurance plan. You can also find out if the medication is available as a generic, needs prior authorization, has quantity limits and more.
TRADITIONAL DRUGS
TIER 1 (GENERIC) Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.
TIER 2 Higher copay: This category includes preferred, brand name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.
TIER 3 Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand. These drugs have the highest copay.
Make sure to check for mail order discounts that may be available.
RxBenefits is now offering SaveOnSP
Prescription Summary
Dental
City of Gahanna dental benefits are offered through MetLife.
Network: PDP Plus (Preferred Dental Program)
Dental benefits through MetLife provides comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating In-Network dentist. You will have lower out of pocket costs, no balance billing*, and claims will be submitted by your dentist on your behalf.
Employees who receive care from an Out of Network provider may be responsible for higher costs and may be balance billed.
*Balance Billing: Some Out of Network providers bill a patient the difference between the total cost of the services and the amount insurance paid.
Dental Summary
Vision
City of Gahanna vision benefits are offered through MetLife.
Network: VSP Choice
Vision coverage through MetLife helps pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations.
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.
HOW OFTEN CAN I OBTAIN SERVICES?
- Exams: Once every 12 months
- Lenses: Once every 12 months
- Frames: Once every 12 months
- Elective Contacts: Once every 12 months
Vision Summary
Hearing
👂 Hear Better. Live Better — For Free!
The City of Gahanna offers hearing benefits through Tuned. It’s completely free, simple to use, and part of your employee benefits!
With Tuned, you can:
- Take a quick online hearing test anytime, anywhere
- Get expert tips to protect your hearing
- Prevent hearing loss before it starts
Just like regular dental checkups, a yearly hearing test helps you stay ahead of potential issues. Even if your hearing seems fine today, small changes can add up over time — so why not check your hearing now?
Life Insurance
Life Insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.
Basic Life Insurance
Basic - Employer Paid through MetLife- Amount based on job class
A sudden accident or death can leave you or your loved ones in a vulnerable position. The City of Gahanna provides Basic Life and AD&D benefit to all full-time employees.
Class 1: All Active Full-Time Non-Union Employees, Managers, and Ohio Labor Council Members
Class 2: Fraternal Order of Police Employees
Class 3: Part-time employees (if eligible)
Class 4: All Active Full-Time United Steel Workers Employees
**Please see applicable benefit summary for coverage amount and information.
Voluntary Life Insurance
Voluntary - Employee Paid Benefit through MetLife
Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. 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. Review the attached full benefit summary below for details on reductions, portability and conversion options.
Employee: $10,000 increments up to a maximum of $500,000
Spouse: $5,000 increments up to a maximum of $250,000
Children: Flat amount: $1,000, $2,000, $4,000, $5,000 or $10,000
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.
Primary Beneficiary: Your primary beneficiary receives your benefits in the event of your death.
Contingent Beneficiary: Your contingent beneficiary receives your benefit, in the event that your primary beneficiary cannot.
*Please make sure your beneficiary information is up to date with your HR office by completing the form below**
Travel Assistance
To compliment your MetLife Life insurance coverage, you have access to Travel Assistance services, a unique program where you and covered family members can contact representatives to administer emergency medical, travel and personal assistance services on your behalf wherever you are in the world.
See attached brochures for additional details.
Short Term Disability
Short Term Disability (STD) insurance helps you replace a portion of your income during the initial weeks of a disability. STD insurance is now offered to all full-time employees, working at least 20 hours per week.
Short Term Disability coverage is offered to Unclassified, FOP, and OLC employees.
Video Preview
Understanding Short Term Disability
Understanding Short Term Disability
Benefit Amount
The Benefit amount is 60% of your weekly earnings up to a maximum of $1,500 per week.
When Does My Coverage Start?
Benefits begin on the 1st day of an injury and the 8th day of a sickness (including pregnancy).
How Long Do I Receive Benefits?
Benefits continue for as long as you are disabled up to a maximum duration of 13 weeks.
Critical Illness
Critical Illness Insurance pays money directly to you when you are diagnosed with certain serious illnesses.
This is a voluntary benefit, 100% employee paid, through MetLife. To enroll in Critical Illness coverage please complete the election form below and return to HR.
What's covered?
- Critical Illnesses such as heart attack, stroke, and end-stage kidney failure
- Cancer conditions, such as breast cancer and skin cancer
- Progressive diseases such as Alzheimer's Multiple Sclerosis and Parkinson's disease
Health Screening Benefit
When you enroll in Critical Illness Insurance you can earn $50 just by getting an eligible screening/preventive test. Please review your Disclosure Statement or Outline of Coverage/Disclosure Document for specific state variations and exclusions around this benefit.
*Please review your Summary of Benefits for a full list of covered illnesses and exclusions**
Accident Protection
A serious injury can cost you a lot of money – not only in medical bills but also in income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs. Accident Insurance pays a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
This is a voluntary benefit, 100% employee paid, through MetLife.
Who Gets Paid?
- You get paid! When you experience an accident, your health insurance company pays your doctor or hospital, your MetLife accident insurance pays you directly.
- You can use the money however you want.
What's Covered?
- Accidental Death coverage for Employee, Spouse, and Child
- Ambulance
- Concussions
- Hospital Admission
Health Screening Benefit
When you enroll in Accident Protection you can earn $50 just by getting an eligible screening/preventive test. Please review your Disclosure Statement or Outline of Coverage/Disclosure Document for specific state variations and exclusions around this benefit.
Organized Sports Activity Benefit
This coverage includes an Organized Sports Activity Benefit Rider. The rider increases the amount payable for certain benefits by 25% for injuries resulting from an accident that occurred while participating as a player in an organized sports activity. The rider sets forth terms, conditions and limitations, including the covered persons to whom the rider applies
*Please review your Summary of Benefits for a full list of covered accidents and exclusions**
Employee Contributions
Contact Information
City of Gahanna Contacts
Ben Nolan
HR Manager
614-342-4454
ben.nolan@gahanna.gov
Katie Overholt
HR Representative
614-342-4457
katie.overholt@gahanna.gov
Carrier Contacts
UMR
Customer Service: Call the number on you ID card OR 1-800-826-9781
Website: www.umr.com
RxBenefits
Customer Service: 800-334-8134
Email: cutomercare@rxbenefits.com
Submit PA Requests: RxBenefits PA Portal: https://rxb.promptpa.com
Fax: 888-610-1180
PA Support: 888-608-8851
MetLife
Customer Service: 1-800-275-4638
Website: www.metlife.com
ImpaxRX
Customer Service: 844-467-2979, option 1
First Stop Health
Customer Service: 888-691-7867
Website: www.fshealth.com
CuraLinc
Customer Service: 800-490-1585
Website: www.curalinc.com
PeopleEQ
Customer Service: customerservice@wellnessiq.net