Table of Content
- Header
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Page
- Benefits Open Enrollment
- Changes This Year
- Benefits Overview
- How To Enroll and Forms
- BCBS of Oklahoma
- Guardian Insurance
- Mutual of Omaha
- AmeriFlex
- iSolved
- Contact Us
- Footer
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.
Open Enrollment Instructions
For currently enrolled Employees: Since we’re making some plan changes, everyone will be required to complete a new enrollment form and return to HR by June 7th, even if not making any changes.
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.
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.
Changes This Year
Medical benefits: We are cancelling our buy-down plan and implementing a new High Deductible Health Plan (HDHP) that is Health Savings Account (HSA) qualified.
HDHPs have lower monthly premiums, a higher deductible and no copays for day-to-day services. On this plan, you will need to meet your deductible before BCBS pays for covered services.
HSAs are tax-advantaged savings accounts that accompany our BCBS HDHP. HSA money can be used tax-free when paying for qualified medical expenses, helping you pay your HDHP’s larger deductible. At the end of the year, you keep any unspent money in your HSA. This rolled over money can grow with tax-deferred investment earnings, and, if it is used to pay for qualified medical expenses, then the money will continue to be tax-free.
Important Note: If you participate in our FSA, you cannot contribute to an HSA until your FSA has a zero balance.
Flexible Spending Account: With the addition of the HSA, this benefit will be cancelling the end of 2024.
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
For currently enrolled Employees: Since we’re making some plan changes, everyone will be required to complete a new enrollment form and return to HR by June 7th, even if not making any changes.
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.
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 7th.
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.
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) is required if you elect more than the guaranteed issue max and for late enrollees. This form can be found in the "How to Enroll and Forms" section. Underwriting will notify you of approval or denial of coverage.
AmeriFlex
Our FSA will be cancelling 1/1/2025
iSolved
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.
Client Contacts
Nikki Smith
nikki.smith@keybridgeti.net
580-380-5229
Account Team Contacts
Shelby Parker
Account Executive
shelby.parker@nfp.com
405-513-8902