Introduction

Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year, beginning April 1st.


There are some exciting new changes to our benefits this year. Meetings will be conducted to discuss updates to your benefits package that will take effect April 1st, and to assist you with any questions you have or changes you may need to make.


Open Enrollment paperwork is due to HR by March 7th.

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. 


Changes This Year:


Medical

BCBS removed the copay for your Virtual Visits, so those services will now be covered at no charge to members enrolled in the Platinum, Gold and Silver Plans. Due to IRS regulation, our HSA qualified plan will still have a cost for those services. 


Prescription Drug Formulary

BCBS will be moving your pharmacy benefit to a more cost-effective and clinically appropriate managed drug list.


Member notices and support: Members may be impacted if using prescription medications that are no longer covered, using prescriptions that may still be covered but at a higher payment tier (non-preferred) or may be subject to new utilization management program criteria before prescription drug benefit coverage may be approved. Impacted members may receive a communication alerting them of the change. The letter will explain how the change may impact them. Members will be encouraged to talk with their health care provider(s) about their prescribed medications and if any changes in their drug therapy may be right for them.


Livongo Programs ($0 Cost to You)

Diabetes Management Program

This program is provided to you and your family members with diabetes and coverage through BCBSOK. Livongo helps 700,000+ members worry less about managing diabetes. With Livongo, you’ll get a smart blood glucose meter to guide your journey, a connected app that tracks numbers so you don’t have to, and access to expert coaches for advice on diet, lifestyle and more, all at no cost to you!! This program is available beginning April 1, 2022, but you have to enroll by visiting join.livongo.com/WELL-BCBSOK/hi or call 800-945-4355 and use registration code: WELL-BCBSOK.


High Blood Pressure Management

This program is provided to you and your family members with high blood pressure and coverage through BCBSOK. This program provides a free advanced blood pressure monitor, personalized insights, one-on-one coaching, easy-to-use app and dashboard and guidance on healthy habits, all at no cost to you!! This program is available beginning April 1, 2022, but you have to enroll by visiting ready.livongo.com/BCBSOK-HEALTH/hi or call 800-945-4355 and use registration code: BCBSOK-HEALTH. 


Wondr ($0 Cost to You)

Metabolic Syndrome Reversal Program

Wondr is a behavioral counseling program for metabolic syndrome reversal and weight management. Now you can lose weight, gain energy, sleep better, and improve your mind and body—all while eating your favorite foods.


Virtual Dental Visits

BCBS knows how important access to dental care is to you and your family. Now if an urgent dental issue occurs after hours, or when your own dentist is unavailable, you can schedule a virtual dental visit, powered by Teledentistry.com.


Your Cost Per Paycheck

The only benefit that incurred an increase, is medical. BCBS gave your medical plans a 13.6% increase, so you will see an increase to your payroll deductions, for this benefit. All other benefits did not incur an increase, so those per pay deductions will remain the same, for the new plan year; however, you may see a change in your cost per pay for Voluntary Life and STD, if you advanced to a new age band or had a change in salary. 


Resources Available

Your Benefits Open Enrollment Microsite contains all the necessary benefit summaries and forms required to enroll or make changes to your current elections. Also available are some Health Plan Compliance Notices. Please review these notices to learn about your rights pertaining to your benefits.

Open Enrollment Guide

Highlights of your comprehensive benefits

Open Enrollment Guide

Highlights of your comprehensi ...

Benefits Compliance Notice Packet

Details your rights pertaining to benefits

Benefits Compliance Notice Packet

Details your rights pertaining ...

How To Enroll and Forms

Be sure to attend one of the in-person presentations to get your enrollment packet.


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.


Your benefits packet includes two copies of your personal Benefits Statement, which reflects your current benefit elections and payroll deductions.


Action Required: The top copy of your Benefits Statement is for you to keep for your records. The second copy is for you to initial your open enrollment selection (either continuing your current benefit elections or making a change), and return to HR. If making a benefit or election change, you will also need to complete a change form, which can be found here in your "How to Enroll" section. Please mark your new elections and return to HR with their copy of your Benefits Statement by the enrollment deadline.


New Team Members will need to complete the Benefits Enrollment Form, included below.


The HR copy of your Benefits Statement, and Change Form (if applicable), are due to HR, no later than March 7th.

Benefits Enrollment Form

For new Team Members enrolling in benefits

Benefits Enrollment Form

For new Team Members enrolling ...

Benefits Change Form

Use this form if you don't have one in your Open Enrollment packet.

Benefits Change Form

Use this form if you don't hav ...

Aura Identity Guard Enrollment Form

Complete if enrolling in ID Theft Protection Plan

Aura Identity Guard Enrollment Form

Complete if enrolling in ID Th ...

Evidence of Insurability (EOI) Form

Required for Vol Life elections exceeding the GI and for late enrollees

Evidence of Insurability (EOI) Form

Required for Vol Life election ...

BCBS Common Law Affidavit

Required if adding a common law spouse to benefits

BCBS Common Law Affidavit

Required if adding a common la ...

Life Inurance Conversion Form

If you lose your life benefits, you can request to convert to a whole life policy.

Life Inurance Conversion Form

If you lose your life benefits ...

Life Insurance Portability Request Form

If you lose your life benefits, you can request to keep it with portability.

Life Insurance Portability Request Form

If you lose your life benefits ...

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 2022 you can contribute no more than:

  • Self-only coverage - $3,650
  • Family coverage - $7,300
  • Individuals ages 55 and older can also make additional “catch-up” contributions.
Health Savings Account (HSA) Overview

HSA Bank

Health Savings Account (HSA) Overview

HSA Bank

How to Use Your HSA

HSA Bank

How to Use Your HSA

HSA Bank

Designating a Beneficiary

HSA Bank

Designating a Beneficiary

HSA Bank

Investment Options

HSA Bank

Investment Options

HSA Bank

Mobile App

HSA Bank

Mobile App

HSA Bank

Fee & Interest Rate Schedule

HSA Bank

Fee & Interest Rate Schedule

HSA Bank

Dental & Vision Benefits

Our dental benefits are provided through BCBS of Oklahoma and vision benefits are provided through VSP.

Dental Benefits

Summary of Benefits & Coverage

Dental Benefits

Summary of Benefits & Coverage

Dental Teledentistry

Virtual dental visits available with your BlueCare Dental Plan

Dental Teledentistry

Virtual dental visits availabl ...

Visions Benefits

Summary of Benefits & Coverage

Visions Benefits

Summary of Benefits & Coverage

TruHearing

Hearing Aid Discount Program for VSP Members

TruHearing

Hearing Aid Discount Program f ...

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. 


Team Members who wish to supplement their basic life insurance benefit, may purchase additional coverage.


Annual Voluntary Life Benefit Increase:

Team Members that elected Voluntary Life coverage during their initial enrollment period, has the option to elect $10,000 additional coverage during open enrollment, not to exceed $100,000 or 5x your annual salary, whichever is less, without having to prove insurability. This option is not available for your spouse or dependent children. Evidence Of Insurability (EOI) is required for any election that exceeds $100,000, and for late enrollees. 


If you didn't elect this benefit, when first eligible, and decide to enroll during open enrollment, you will have to prove insurability by completing an Evidence of Insurability form (found in the "How to Enroll" section. Underwriting will notify you of approval or denial of coverage.

Life and Disability Benefits

Summary of Benefits & Coverage

Life and Disability Benefits

Summary of Benefits & Coverage

Life Conversion Process

Instructions for converting your life benefits, if coverage ends.

Life Conversion Process

Instructions for converting yo ...

Life Portability Process

Instructions for keeping your life benefits, if coverage ends.

Life Portability Process

Instructions for keeping your ...

Portability vs. Conversion Flyer

Helps you determine the best option for you.

Portability vs. Conversion Flyer

Helps you determine the best o ...

Employee Assistance Program (EAP)

Help you need so you spend less time worrying about the challenges in your life.

Employee Assistance Program (EAP)

Help you need so you spend les ...

Identity Theft Protection

Aura Identity Guard

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. Aura Identity Guard 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!!!

Premier Fact Sheet

Identity Theft Protection to keep you and your family safe.

Premier Fact Sheet

Identity Theft Protection to k ...

Ultimate Fact Sheet

Maximum Identity Theft Protection.

Ultimate Fact Sheet

Maximum Identity Theft Protect ...

Premier vs. Ultimate Comparison

Side-by-Side Comparison

Premier vs. Ultimate Comparison

Side-by-Side Comparison

Aflac

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.

Accident Option 3

Aflac protects your personal finances, in the event of an accident.

Accident Option 3

Aflac protects your personal f ...

Accident Option 4

Aflac protects your personal finances, in the event of an accident.

Accident Option 4

Aflac protects your personal f ...

Cancer Option 2

From prevention to recovery, Aflac is with you.

Cancer Option 2

From prevention to recovery, A ...

Critical Care Option 2

Aflac can help ease the financial stress of surviving a critical illness.

Critical Care Option 2

Aflac can help ease the financ ...

Critical Care Plus Rider

Boost Your Protection with the Aflac Plus Rider.

Critical Care Plus Rider

Boost Your Protection with the ...

Hospital Confinement

Hospital-related benefits to help with the expenses not covered by major medical.

Hospital Confinement

Hospital-related benefits to h ...

Rate Schedule

Biweekly Rates for all Aflac policies

Rate Schedule

Biweekly Rates for all Aflac p ...

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

ContactImage

Jon Stafford

Account Manager

jon.stafford@nfp.com

405.513.8932