Table of Content
- Header
-
Page
- Introduction
- ***IMPORTANT ANNOUNCEMENT***
- Changes This Year
- Benefits Overview
- How To Enroll and Forms
- Medical Benefits
- Health Savings Account (HSA)
- Dental & Vision Benefits
- Life & Disability Benefits
- Identity Theft Protection
- Accident, Cancer, Specified Disease, etc.
- Contact Us
- Footer
***IMPORTANT ANNOUNCEMENT***
Open Enrollment is typically your opportunity to evaluate your current benefit elections and make changes for the new plan year; however, we have some big changes coming that will take effect July 1. For that reason, we are going to extend your current benefit elections until then, with the exception of the Identity Theft Protection plan (see the Changes This Year section). All other benefits will automatically renew, and you will be given a full open enrollment for a July 1 effective date.
Changes This Year
Vision benefits: We are increasing your frame allowance to $200/year.
Identity Theft Protection: We are moving these benefits to NortonLifeLock. If you are currently enrolled with Aura Identity Guard, that policy will be cancelled as of April 1st, so you will need to complete a new application, if you wish to participate in the plan with NortonLifeLock. See your benefits packet for details.
Your Cost Per Paycheck: The only benefit that incurred an increase is vision. The Casino is absorbing the increase for you, so you will only see an increase to your payroll deductions, if you have your family members enrolled.
Benefits Overview
As a full-time Team Member of the Kiowa Casino, you are eligible for the comprehensive benefits available to you and your family.
Resources Available
Your Benefits Microsite contains all your benefit summaries and additional educational pieces. Also available are some Health Plan Compliance Notices. Please review these notices to learn about your rights pertaining to your benefits.
Please be sure to:
- Review your personal Benefits Statement, included in your open enrollment packet, and report any discrepancies to HR. Note: Your benefits statement might not reflect any recent election changes.
- 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.
- Read the Benefits Compliance notices to learn about your rights pertaining to your benefits.
How To Enroll and Forms
Be sure to attend one of the in-person presentations to get your enrollment packet.
Enrollment Instructions
For currently enrolled Team Members, your benefits packet includes your personal Benefits Statement, which reflects your current benefit elections and payroll deductions. Please review for accuracy and report any discrepancies to HR. Note: Your benefits statement might not reflect any recent election changes.
For newly benefit eligible Team Members, your packet includes a benefits application. Please complete this form and return to HR no later than your 60th day of employment.
For anyone interested in enrolling in the NortonLifeLock Identity Theft Protection plan, you must complete their application included in your benefits packet.
Your NortonLifeLock application must be submitted to HR by March 13th, if you wish to participate in the identity theft protection plan. No other paperwork is required.
Medical Benefits
Having access to high quality, affordable health care is a great concern for most people. That’s why we are pleased to offer Team Members, and their families, comprehensive medical coverage administered by Blue Cross & Blue Shield of Oklahoma (BCBS).
Keep in mind we are switching to the Native Blue plan July 1, so these plans will be cancelled as of 6/30/2023.
THE FREEDOM TO CHOOSE
You can choose between four medical plans. Note: Plan changes can only be made during open enrollment.
Summaries of Benefits & Coverage can be found, below.
Health Savings Account (HSA)
Fortunately, good health can actually cost less. Over the long-term, if our health benefits program can help you maintain or improve your health, we all win. That’s why we are excited to offer a Health Savings Account (HSA), Administered by HSA Bank. An HSA is an example of a consumer-driven health plan that is designed to empower you to take control of your health and the dollars you spend on your care.
An HSA is an account that accumulates funds to cover your health care expenses. It comes with a high-deductible health plan that protects you from large health care expenses.
If you choose to enroll in the HSA Qualified High Deductible Health Plan (HDHP) with BCBS, you can elect to participate, and specify your annual contribution, on your Application/Change form.
You can make a contribution to your HSA each year that you are eligible. For 2023 you can contribute no more than:
- Self-only coverage - $3,850
- Family coverage - $7,750
- Individuals ages 55 and older can also make additional “catch-up” contributions.
Dental & Vision Benefits
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.
Life & Disability Benefits
As your employer, we automatically provide a certain level of coverage for you and give you the opportunity to purchase additional coverage for you and your dependents.
Newly eligible Team Members may purchase up to $100,000 Voluntary Life Insurance without providing Evidence of Insurability (EOI). EOI is required for any election that exceeds $100,000 and for members that elect this benefit after their initial enrollment period.
In addition, Team Members that elect coverage for themselves, can elect coverage for their spouse and dependent children. Newly eligible Team Members may purchase up to $50,000 Spousal Voluntary Life insurance without providing EOI. EOI is required for any election that exceeds $50,000 and for late enrollees. Children can be insured for $10,000.
Identity Theft Protection
Cybercrime has become the number one threat facing our world today. With the amount of our personal information online, it’s become easier for your identity to be stolen. The need to protect yourself and your family is more important than ever. NortonLifeLock protects your financial, personal, and social identity. They will monitor online resources and alert you of any threats. They will also help recover your lost information and insure you for up to $1 Million in stolen funds!!!
Accident, Cancer, Specified Disease, etc.
Contact your Aflac Representative regarding these benefits. They will answer any questions you may have, and take care of enrolling, changing or cancelling your policies.
Your Aflac Representative is Larry Bacon. He can be reached at 405-361-1923 or larry_bacon@us.Aflac.com.
Contact Us
While we are interested and concerned about the health of our Team Members 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.
Account Team Contacts
Jon Stafford
Account Manager
jon.stafford@nfp.com
405.513.8932