Table of Content
- Header
-
Page
- Introduction
- Open Enrollment
- 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.
- Flexible Spending Account
- Contact Us
- Footer
Open Enrollment
Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year. You are given an Open Enrollment opportunity each year for a July 1 renewal.
Changes This Year
Medical Benefits: We are excited to introduce the new BCBS NativeBlue medical plan. This plan will replace our current medical plan options. We will have a new group number, so new cards will be issued. Be sure to destroy your old card, but not until July 1.
Members will receive 100% benefit (except for name brand and specialty prescriptions) when using a Native Blue provider. You will have some out-of-pocket costs if you go to an out-of-network provider.
Your Cost Per Paycheck: Depending on your current medical plan, you may see an increase to your per pay cost, but some will see a decrease. Your dental plan incurred an increase, so you will also see a change to your payroll deductions, for this benefit. No other benefit incurred an increase; 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.
Benefits Overview
As a full-time employee of the Kiowa Tribe, 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.
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 employees, 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: Recent election changes may not be reflected on your statement.
If you are an active employee and don’t enroll or make any changes to your benefit elections during this Annual Open Enrollment period, your current benefit elections will automatically carry over to the next plan year. This feature is designed to make the enrollment process as easy as possible for employees who want to keep current coverage for another year.
For newly benefit eligible employees, 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. If you enrolled in April, that election will automatically renew.
Open Enrollment elections/changes must be submitted to HR by May 30th.
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).
We are still waiting on the NativeBlue Summary of Benefits and Coverage. That will be uploaded as soon as it's available.
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 employees 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, employees that elect coverage for themselves, can elect coverage for their spouse and dependent children. Newly eligible employees 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.
Employees that elected this coverage during their initial enrollment period, has the option to elect $10,000 additional coverage during open enrollment, not exceed $100,000 or 5x your annual salary, whichever is less. EOI is required for any election that exceeds $100,000.
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.
Flexible Spending Account
Our FSA renews January 1, so you will be notified of your open enrollment opportunity, for this benefit, at that time.
A Flexible Spending Account allows participants to set aside money, before taxes, to use on eligible healthcare expenses. Since the monies are withheld from your paycheck on a pre-tax basis, you save tax dollars and lower your taxable income.
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
TABITHA RAMOS
tramos@kiowatribe.org
580-654-2300
Tiffany Horn
thorn@kiowatribe.org
(580) 299-3526
Account Team Contacts
Jon Stafford
Account Manager
jon.stafford@nfp.com
405-513-8932