HOW TO ENROLL
QUALIFYING LIFE EVENTS
ELIGIBILITY
MEDICAL
NETWORK: NPOS
How do I find an In-Network Provider? Use the helpful link below!
In-Network providers can also be found on your provider’s website at finder.humana.com under “Find healthcare providers in our network" then you can search by provider/facility name or search by specialty.
With the Humana plans, you and your dependents can visit any provider, in network or out, without a referral. However, when you stay in network, Humana will handle the claims and offers lower, contracted rates. Both medical plans utilize the Humana National POS – OpenAccess Network of providers.
Watch this video to learn more about your plans!
Did You Know?
- Preventive Services are covered at 100% In-Network and copays & deductibles do not apply.
- You pay less out of pocket if you receive care from an In-Network provider.
- You do not need a referral to see a Specialist.
Summary of Benefits and Coverage (SBC)
Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below. There is one for each plan!
DENTAL
Dental Coverage is provided to ALL Eligible Employees and their qualified dependents at NO COST
How do I find an In-Network Provider? Use the helpful link below!
- With Humana Dental insurance, you can get the attention your teeth need — at a cost you can afford. Humana Dental allows you to see any dentist you choose. To get the most from your benefits and reduce out-of-pocket costs, choose an in-network provider by utilizing our large national network. These providers have agreed to file your claims and uphold the highest quality standards. You can find in-network providers at finder.humana.com
Did You Know?
- You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
Pre-treatment Estimate
- If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
See the full Dental Summary below to learn more!
VISION
Vision Coverage is provided to ALL Eligible Employees and their qualified dependents at NO COST
NETWORK: EyeMed
How do I find an In-Network Provider?
- Use the helpful link below! In-Network providers can also be found at finder.humana.com
Under the Humana Vision plan, you may use the eye care professional of your choice. However, when you visit a participating EyeMed provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement.
Members have the freedom to choose any provider from EyeMed’s Insight Network. Our network offers the right mix of independent, national retail and regional retail providers like Lens Crafters, Pearle Vision, Target Optical and many more. Members can also purchase glasses and contact lenses online at Glasses.com and ContactsDirect.com.
DID YOU KNOW?
Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
- Diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Glaucoma and cataracts
Looking for more details about how items are covered? Click on the link below to view the formal Benefit Summary.
LIFE AND AD&D
DISABILITY
Short-Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs.
This employer paid Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
This is an employer paid benefit provided to you at no cost!
Elimination Period - Your benefits would begin after you become disabled for 14 days.
Benefit Duration - Payments may last up to 11 weeks (You must be sick or disabled for the duration of the waiting period before you can receive a benefit payment).
Coverage Amount - Covers 60% of your weekly income, up to a maximum benefit of $1,500 per week.
Long-Term Disability
This employer paid coverage pays a monthly benefit if you have a covered illness or injury and you can't work for a few months - or even longer! You're generally considered disabled if you're unable to do important parts of your job - and your income suffers as a result.
This is an employer paid benefit provided to you at no cost!
Elimination Period - Your benefits begin on the later of 90 calendar days after the onset of your disabling injury or illness or the date your short-term disability ends.
Benefit Duration - This is the maximum length of time you can receive benefits while you’re disabled. You can receive benefits up to the Social Security (SS) normal retirement age.
Coverage Amount - Your monthly benefit is equivalent to 60% of your before-tax income up to $6,000. The premium for your long-term disability coverage is waived while you are receiving benefits.
WELLNESS - GO365
REQUIRED NOTICES
Federal regulations require employers to provide certain notifications and disclosures to all eligible employees. The booklet linked below is dedicated to those disclosures for 1/1/2023 – 12/31/2023. If you have any questions or concerns please contact your HR Department.
If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage. Please see page 4 of the Required Notices packet for more information about your options.
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