Jade Sterling Steel

Table of Content

  1. Header
  2. Overview of Health Benefits
    1. Open Enrollment
    2. Eligibility & Qualifying Events
    3. Medical & Prescription
    4. Medical Summary
    5. Summary of Benefits and Coverage (SBC)
    6. Prescriptions
    7. Prescription Summary
    8. Virtual Visits
    9. MMO Resources
    10. HSA
    11. Dental
    12. Dental Summary
    13. Vision
    14. Vision Summary
    15. Basic Life and Voluntary Life
    16. Disability - Short Term & Long Term
    17. Accident Insurance
    18. Critical Illness Insurance
    19. Hospital Indemnity Insurance
    20. MetLife Pet Insurance
    21. Employee Contributions
    22. How to Enroll
    23. Eligibility & Qualifying Events
    24. Understanding your Benefits
    25. Carrier Contacts
    26. Contact Us
  3. Footer

Open Enrollment

Open enrollment image

Annual enrollment is your opportunity to learn about the 2025 Benefits, review your current coverage, and choose the best options for you and your family. Please review this virtual benefit guide and attend our upcoming education session to learn more about our 2025 benefits offerings.

This annual enrollment will be a passive open enrollment, which means if you don't make or change your Ancillary elections for the upcoming 2025 Benefits, you will automatically be enrolled in the same or similar plan to what you currently have.

Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place until the next open enrollment period unless you notify HR within 30 days of your QLE to be eligible to make new elections.

Eligibility & Qualifying Events

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

QUALIFYING EVENTS

You can, however, modify your elections under certain circumstances, called "Qualifying Events".

Ready to Enroll?

Complete your enrollment form and hand it in 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 your date of hire.

Open enrollment:

Your coverage for benefits is effective 1/1/2025

What is a Qualifying 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

Who are my legal dependents?

  • Your legal spouse or domestic partner
  • Your children (up to age 26) including natural children, stepchildren, legally adopted children,

children placed for adoption, children for whom you serve as legal guardian

  • Disabled dependent child(ren) of any age

Prescription Summary

Below is a high-level overview of your plan options and in-network benefit information:

You can view more details of these plans by accessing the medical benefit summaries provided under the Medical & Prescription section above.

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.

RX Summary

Dental Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided above.

Dental Summary