Register Now
Select a slot to book One on One meeting
Meeting Date
Slots
Benefit Period: January 1, 2024 through December 31, 2024
Welcome to JMA Energy’s 2024 Open Enrollment. This site houses all our benefit summaries and forms required to enroll or make changes to your current benefit elections.
Medical Coverage remains with Blue Cross Blue Shield of Oklahoma (BCBSOK) for 2024. The Deductible on the High Deductible Health Plan (HDHP) has increased by $200 for an individual and $600 for family. The deductible on the PPO Plan has not increased. Your current coverage will automatically be rolled over with the same coverage, if no changes are made. If a medical election change is needed, please complete a medical enrollment/change form located in the Medical Section below or obtain forms from Human Resources. You may visit Find a Doctor or Hospital | Blue Cross and Blue Shield of Oklahoma (bcbsok.com) to locate providers or call Member Services at 800-942-5837 for help locating in-network providers.
In addition, all of our money accounts remain with American Benefit Group (ABG) for 2024. The IRS requires you to make new elections every year, so you’ll need to make sure to download the HSA, FSA or Limited Purpose FSA form to make your 2024 contributions to those accounts. If you currently have an HSA, your current funds will rollover to 2024. Please obtain and complete the appropriate election change form(s) from the HSA and FSA Sections below or contact Human Resources.
Dental Coverage remains with Ameritas in 2024. Your current dental coverage will automatically be rolled over with same coverage. If a dental change is needed, please obtain and complete a dental enrollment/change form located in the Dental Section below or contact Human Resources. You may visit Ameritas - Find a Provider to Locate your Dentist or call Ameritas at 800-487-5553 for help locating in-network providers.
Please be sure to review the benefit guide for pricing and plan information.
Please review the In-Person Open Enrollment Presentation below and review all benefits and pricing found in the Benefit Guide.
Deadline for required 2024 enrollment and change forms is December 19th, 2023. Please reach out to Human Resources or review the appropriate section(s) below to obtain the required enrollment form(s).
REQUIRED FORMS FOR 2024:
FSA, Dependent Care, LPFSA or HSA Election Forms
Spousal Other Coverage Form
Carrier Enrollment/Change Form(s) - Changes Only!
REMINDER: if you wish to participate in a Flexible Spending Account and/or Health Savings Account in 2024, you MUST make an active election each year. Prior elections do not carry over.
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
QUALIFYING EVENTS
A Qualifying Life Event or QLE, is a significant change in a person's life that allows them to make changes to their health insurance outside of the regular open enrollment period. Examples of qualifying life events include marriage, divorce, the birth of a child, loss of health coverage, and a change in employment status.
Ready to Enroll?
Complete your enrollment form(s) and return them to Human Resources.
When Does My Coverage Start?
If you are a New Hire, 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 or coinciding 30 days from your date of hire.
Open enrollment, your coverage is effective January 1, 2024
What is a Qualifying Event?
Who are my legal dependents?
children placed for adoption, children for whom you serve as legal guardian
JMA Energy offers Medical Plans through Blue Cross Blue Shield of Oklahoma.
PPO Plan options offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
A 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. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Blue Cross Blue Shield of Oklahoma's contract rate as the final charge and the member is not balanced billed.
Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.
TRADITIONAL DRUGS
Preferred Generic (GENERIC) | Lowest copay (Tier 1): 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.
Non-Preferred Generic | Low copay (Tier 2): This category includes non-preferred and low-cost generic drugs
Preferred Brand | Higher copay (Tier 3): 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.
Non-Preferred Brand | Highest copay (Tier 4): In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.
Preferred Specialty & Non-Preferred Specialty | Specialty Drugs (Tier 5 & 6): are the most expensive class of medications. Mail order is not available for Specialty Medications.
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.
Helpful Rx Cost Savings Tools & Tips:
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.
GOOD Rx - There are many tools online that you can use in order to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).
ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Virtual visit costs vary based on the medical plan you choose.
PPO Plan copay is $30; HDHP copay is approximately $44.
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
Virtual visits with licensed behavioral health therapists are available by appointment. Get virtual care for:
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.
Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefits.
HOW DO I GET ACCESS?
Learn more about Virtual Visits and access direct links by downloading the MDLIVE App on your phone or utilizing the options below.
My Health Plan: Access your BCBSOK information 24/7.
A secure website specifically for Blue Cross Blue Shield of OK members, BCBSOK makes it easy and convenient to manage your plan and your health online.
Blue Access for Members App or (BAM app)
With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your Member ID Card. Download the BCBSOK app on the Apple Store or Google Play.
Chronic Management Program
If you suffer from one of the conditions below, this program may be right for you:
Call (800) 942-5837 to learn more or enroll in the Chronic Management Program.
A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it 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. If you currently have an HSA your contributions and current fund will rollover to 2024.
To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).
UNDERSTANDING YOUR HSA
MAINTAINING RECORDS
To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer. HSA funds may be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.
The Health Care and Dependent Care Flexible Spending Accounts (FSA) 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. The IRS requires you to make new elections every year, so you’ll need to make sure to download the FSA or Limited Purpose FSA form to make your 2024 contributions to those accounts.
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. Plan ahead! At the end of the year or grace period, you lose any money left over in your FSA. Don’t put more money in your FSA than you think you'll spend within a year on things like copayments, coinsurance, drugs, and other allowed health care costs.
You may contribute as follows:
Health Care FSA
Dependent Care FSA
The Dependent Care FSA
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.
How the Plan Works
You must incur your eligible expenses during the plan year — January 1st to December 31st. 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 until March 31st annually to file your claims. Any unclaimed funds after March 31st, will be forfeited.
Dental Benefits through Ameritas provide 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. Please note, you have the freedom to select a dentist of your choice; When you visit an out-of-network dentist, your cost could be higher, possibly balance billed and the provider may not submit claims on your behalf.
NETWORK: Ameritas Network
How do I find an In-Network Provider? Use the helpful link below!
Did You Know?
Pre-treatment Estimate
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.
Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
Looking for more details about how items are covered? Click on the link below to view the formal plan summary.
Ameritas offers vision coverage through VSP Choice Providers. Ameritas Vision 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. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.
Did You Know?
Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
To find out if your provider is in-network, please visit the website below.
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 - Employer Paid $50,000 Benefit
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.
Voluntary - Employee Paid Life
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 full benefit summary below for additional details.
Employee: $10,000 increments up to a maximum of $500,000 ($100,000 GI)
Spouse: $5,000 increments up to $250,000 or 100% of what you elect for yourself ($25,000 GI)
Children: $10,000 Benefit, one premium covers all eligible dependent children ($10,000 GI - per covered child)
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.
*Guaranteed Issue (GI) and Evidence of Insurability (EOI)
When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI). Annually, you are able to increase elections up to $100,000, not to exceed the GI amount without proof of EOI.
Any amount elected over the GI will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
Short Term Disability
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. Your coverage pays 60% of your income up to a specific maximum in your benefit summary.
STD Benefit Features
Long Term Disability
Insurance through Unum can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover.
LTD Benefit Features
Allstate Cancer Insurance
Receiving a diagnosis of cancer or a specified disease can be difficult on anyone, both emotionally and financially. Having the right coverage to help when undergoing treatments is important. Cancer coverage can help provide added financial support when its needed most.
Cancer Insurance from Allstate Benefits pays cash benefits for Cancer care and other specified diseases to help with the costs associated with treatments and expenses as they happen. In the event a Cancer diagnosis happens, please reach out to Allstate for assistance with beginning the claims process (1-800-521-3535) or go online to Claims | Allstate Benefits. Be sure to register to access your coverage anytime either through the app, or directly on Allstate Benefits portal.
What's covered?
Wellness Benefit
When you enroll in Cancer Insurance you can earn $50 just by getting an annual physical or covered preventive test.
Arlena Hamby
arlenahamby@jmaenergy.com
(405) 418-2785
Jon Stafford
Account Manager
jon.stafford@nfp.com
405-513-8932