Table of Content

  1. Header
  2. Page
    1. Welcome
    2. Overview
    3. Enrollment
    6. DENTAL
    7. VISION
    9. Plan Details
    10. Contact Us
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Helping you and your family reach and maintain good health is very important to Junkluggers. Junkluggers is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.


Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Junkluggers. When you enroll in the benefits program, you may also cover your eligible dependents.


How To Enroll In Benefits

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


You can, however, modify your elections under certain circumstances, called "Qualifying Events". These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.



You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.



Enroll through Employee Navigator (see link below)



If you are enrolling in Sedera:

Existing Members: This year there are no changes! It will be a very simple process. You do not need to reenroll on the Sedera portal if you want to continue your memberships as it is today. All memberships will be renewed based on Members’ current selections if they do not take any action. If you need to make a change to your current membership, you will follow the link you will receive from Sedera.

New Sedera Members - In addition to completing the election form or Employee Navigator enrollment, new Sedera members must complete their enrollment through the Sedera portal before the 19th of the month to ensure a 1st of the month effective date. If you do not do this your enrollment may not be processed properly.

New Members:

Click the following link and enter the Employer code below.



Employer Verification Code: 1546



Option 1 - Sedera (cost sharing) with MEC (Minimum Essential Coverage)

The Sedera combo plan has two parts: Sedera Cost Sharing and a Minimum Essential Coverage (MEC) plan which will cover your preventative care.

Cost Sharing Plan with Sedera

Sedera is a cost sharing community that will share the cost of the large events in life.* The Sedera plan doesn't have a network. Please reference the Sedera materials and view the video presentations below for details.

There is no ID for this plan and no network. You will present yourself as a cash payer and start a "Need" on the member portal if the total goes over your chosen IUA (Initial Unshareable Amount). See "Sedera Select + Presentation" link below.

Telemedicine is included with your Sedera membership.


Teladoc gives you access 24 hours, 7 days a week to a U.S. board-certified doctor through the convenience of phone, video or mobile app visits.



Teladoc doctors can treat many medical conditions, including:

• Cold & flu symptoms

• Allergies

• Pink Eye

• Respiratory infection

• Sinus problems

• Skin problems

• And more!


1-800-Teladoc (835-2362)

Please see the link below for Teladoc registration instructions

MEC (Minimum Essential Coverage) - Preventative Care through ASI

When you enroll in Sedera you are automatically enrolled in this plan.


This plan will cover your preventative care at 100% and also provides the framework for an HSA banking account. You do need to stay in network for your preventative care. All preventative care mandated by ACA is covered. You can see a complete list here.


PHCS network search instructions:


●Go to www.multiplan.com

●Click on Find a Provider in the upper right corner

●Click on the green Select Network button & choose PHCS

●Click the green Select Network box

●Choose PHCS in the pop-up box

●Select Preventive Services Only


NOTE: If you enroll in the Oxford plans for Open Enrollment, the effective date is 3/1/2022 and your benefits and premium will begin March 1st.

Sedera Teladoc Registration Instructions

Sedera Teladoc Registration Instructions




Option 2 - Oxford UHC (fully insured)

The Oxford UHC plans are fully insured medical plans. You have two options:

1. UHC Oxford HMO CT S Freedom Plan 

This plan is "not gated" and does not require a designated primary care physician or referral for a specialist. This plan is not HSA compatible.

2. UHC Oxford HMO HSA CT B Liberty Plan

This plan requires a designated primary care physician (PCP) and requires a referral for specialists. This plan is HSA compatible.

Both options are HMO plans so there is only in-network coverage. The Oxford UHC network search can be accessed through the link below.

UHC Oxford HMO CT S Freedom Plan - SBC

UHC Oxford HMO CT S Freedom Plan - SBC

UHC Oxford HMO HSA CT B Liberty Plan - SBC

UHC Oxford HMO HSA CT B Liberty Plan - SBC


Principal Dental Plan

Principal's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of Principal's PPO 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.


Use the link below to find an in-network provider.

Select "Search for a dentist" then your zip code.

Choose a specialty from the dropdown or enter a Dentist's last name

NOTE: If you enroll in the Dental plan for Open Enrollment, the effective date is 3/1/20202 and your benefits and premium will begin March 1st.

Principal Dental - SBC

Principal Dental - SBC


Voluntary Vision through Principal


  • 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

Junkluggers offers vision coverage through Principal to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in Principal's VSP Choice Network.

To find out if your provider is in-network, please visit the VSP Choice Network below.

NOTE: If you enroll in the Vision plan for Open Enrollment, the effective date is 3/1/2022 and your benefits and premium will begin March 1.  

Principal Vision - SBC

Principal Vision - SBC


What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How To Read An EOB (Explanation of Benefits)

How To Read An EOB (Explanation of Benefits)

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