Benefits Open Enrollment
Welcome to your Benefits Open Enrollment!
Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year, beginning July 1. Any changes you make, during this open enrollment, will go into effect July 1, 2026.
Changes this Year
KeyBridge Technologies is committed to offering a comprehensive employee benefits program that helps our employees stay healthy, feel secure and maintain a work-life balance.
Medical benefits: BCBS mapped our Base Plan MOBAP0025 to plan MOBAP0026. This plan increases the Emergency Room copay from $300 to $500. Please refer to your benefits enrollment guide and Summaries of Benefits & Coverage for more detail.
Dental benefits: Periapical (PA) x-rays - diagnostic imaging typically used to evaluate a specific clinical concern such as problem areas, infection or trauma, rather than routine care - will be now classified under basic benefits, and subject to basic coinsurance. Please note: There will continue to be no frequency limits, and these x-rays will not be subject to deductible. The impact to members will be minimal. Typical out-of-pocket costs for PA x-rays may average S5-$9.
Your Cost Per Paycheck: The premiums for our Base and Buy-up medical plans are reducing slightly, but the premiums for the HSA plan are increasing slightly. Our dental premiums are also increasing by 14%, so you’ll see a change to your payroll deductions for these benefits. No other benefit incurred a rate increase; however, you may see a change in your cost per pay for Voluntary Life if you advanced to a new age band.
HSA Contributions: The annual maximum amount each participant may contribute to their HSA was increased to $4,400 for self-only coverage and $8,750 for family coverage for 2026.
Open Enrollment Instructions
For currently enrolled Employees: If you are an active employee and don’t enroll or make any changes to your healthcare benefit elections during the Annual Open Enrollment period, your current elections will automatically carry over to the next plan year. If you wish to change your HSA contribution, you can do so now during open enrollment, or at any time in 2026, as long as you stay within the annual IRS limits. If you do not adjust your HSA contribution during open enrollment, you are still allowed to adjust it throughout the year without needing a qualifying life event such as marriage or birth of a child. This flexibility applies to both payroll deductions and one-time contributions, giving you the ability to increase or decrease your contributions as your financial situation changes during the year. You will be given the opportunity to submit an HSA election form again at the end of the year for your 2027 HSA contribution.
For newly benefit eligible Employees: If you are a new hire or become eligible for benefits due to a qualifying event, and do not enroll when you are first eligible, you must wait until the next Annual Open Enrollment period to enroll for the coverage you want and need. Note: late enrollees may be subject to evidence of insurability and may be denied coverage for some benefits. Please complete your enrollment form and return to HR no later than your 30th day of employment.
This Microsite
Your Benefits Open Enrollment Microsite contains all the necessary benefit summaries, informational flyers, links and forms necessary to enroll or make changes to your current benefit elections.
Benefits Overview
As a full-time employee, you are eligible for the comprehensive benefits available to you and your family.
RESOURCES AVAILABLE
This Benefits Open Enrollment Microsite contains all the necessary benefit summaries and forms required to enroll or make changes to your current elections.
Please be sure to:
- Review your benefits open enrollment guide, which highlights the comprehensive coverage available to you and your family.
- Refer to your Summaries of Benefits and Coverage, for more benefit details.
How To Enroll and Forms
If you are enrolling in our benefits for the first time, or wanting to make a plan/election change, just follow these simple steps:
- Download the enrollment/change form(s) below.
- Read the guide and the instructions on your enrollment form(s).These contain important information about your benefit options.
- Complete the enrollment form(s) by making your benefit elections and sign; and submit the enrollment form(s) to Human Resources by the enrollment deadline.
Your enrollment/change form is fillable. To complete and sign it on your smart phone, you’ll need to download the Adobe app.
Open Enrollment forms are due to HR, no later than June 12th.
BCBS of Oklahoma
Having access to high quality, affordable health care is a great concern for most people. That’s why we are pleased to offer employee and their families, comprehensive medical coverage administered by Blue Cross & Blue Shield of Oklahoma (BCBS).
THE FREEDOM TO CHOOSE
You can choose between three medical plans. Note: Plan changes can only be made during open enrollment. This means that switching from one medical plan to another is only allowed during open enrollment, even if you experience a qualifying event that allows a mid-year election change.
Summaries of Benefits & Coverage can be found, below.
Guardian Insurance
Too often people forget about dental and vision care. That’s unfortunate, because having healthy teeth and eyes are an important part of your overall well-being.
Your Summaries of Benefits can be found, below. These benefits are provided through Guardian Life.
Mutual of Omaha
As your employer, we automatically provide a certain level of life insurance coverage for you and give you the opportunity to purchase additional coverage for you and your dependents.
Employees who wish to supplement their basic life insurance benefit, may purchase additional coverage.
Evidence of Insurability (EOI):
Anyone who chooses not to sign up during their initial enrollment opportunity, and later wishes to enroll, will be required to provide evidence of good health and may be denied coverage. EOI is also required if you elect an amount in excess of the GI amounts or if you increase your election more than the approved Annual Benefit Increase, during open enrollment. You can complete an online EOI at https://www3.mutualofomaha.com/eoi/#/home. This link is also provided below.
Before You Begin...
Having the following information prior to starting the Evidence of Insurability application will help ensure you may complete the application(s) in one sitting.
You may need to ask your employer for this information.
- Group ID Number: G000CC65
- Your Date of Hire
- Your Current Salary
- Current Coverage Amounts (Including Guaranteed Issue Amounts)
If an eligible spouse and/or child(ren) will also be applying for Life coverage, certain vital information (including height and weight) and health information will need to be provided. All eligible persons seeking coverage will be required to electronically sign the Evidence of Insurability form(s). Child(ren) signature(s) required if age 18 or older (age 15 or older for residents of WA).
HSA Bank
Health Plan Notices
Women’s Health and Cancer Rights Act Annual Notice
Do you know that your plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy, including lymphedema? Call your plan administrator for more information.
Newborns’ and Mothers’ Health Protection Act
Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, Federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. Please read the attached CHIP notice for more information.
Important Notice About Your Prescription Drug Coverage and Medicare
Please read the attached notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with and about your options under Medicare’s prescription drug coverage.
Contact Us
While we are interested and concerned about the health of our employees and their dependents, we have HIPAA Privacy Compliance obligations which limit the information shared with us. NFP is available to assist you with claims issues or any other issues you have concerning our benefits. If you are experiencing a claim issue, please contact Customer Service with the appropriate insurance company, first, to see if you can resolve it on your own. If not, then you need to contact our broker for further assistance.
KeyBridge Contact
Nikki Smith
nikki.smith@keybridgeti.net
580-380-5229
Aimereon Contact
Nichele Hardy
nhardy@aimereon.com
757-469-8170