Register Now
Select a slot to book One on One meeting
Meeting Date
Slots
Medical Plan changes for 2023
Plan 14 PPO: $600/$1.400 in network deductible
Plan 10 PPO: $1,700/$3,400 in network deductible
Plan 13 HSA: 90% in network coinsurance
Nutrional counseling and weight management benefits have been added to your medical plan.
Virgin Pulse changes for 2023: Spouses now able to win Pulse Cash!
No changes to benefit carriers in 2023!
UMR: will continue as your medical carrier
CVS Caremark/Optum RX: will continue as your Prescription Drug carriers
Anthem: will continue as your Dental, Basic and Voluntary Life, and Short-Term Disability carrier
EyeMed: will continue as your vision carrier
Guardian: will continue as your Accident, Critical Illness, and Hospital Indemnity carrier
Teladoc through UMR: will continue as your telemedicine virtual health carrier
Virgin Pulse: will continue as your wellness program vendor
NortonLife Lock
Nationwide Pet Insurance
Regenexx
Reliance Gap Coverage
Full-Time Employees
*Employees are eligible for benefits on the date of hire.
EMPLOYEE ELIGIBILITY: If you do not enroll during the Open Enrollment period, you must wait until the next Open Enrollment period unless you experience a Qualifying Life Event. If you experience a Qualifying Life Event (i.e., birth or adoption of a child, marriage, divorce, loss of other coverage, etc.) you must enroll within 30 days of the Qualifying Event.
DEPENDENT ELIGIBILITY: You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
What is a Qualifying Life Event?
• Marriage
• Divorce
• Birth/Adoption of a child
• Death of a spouse or other enrolled dependent
• Change in spouse’s benefits or employment status
• A dependent becomes eligible for Medicare or Medicaid
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
Go to: www.benxpress.com/cityofmiddletown
Username: First initial, plus your last name (example John Doe login: joe)
Password: Last four of your social (example: 5811)
This is an active enrollment!
This means that you must log in to BenXpress to enroll yourself and your dependents for benefits. All employees will use BenXpress to confirm or change benefit elections.
UMR: will continue as your medical carrier.
When you utilize providers that are in the Choice Plus network you will receive higher benefits. Employees who seek care from a provider that is not in UMR's network, will be responsible for higher costs.
CVS Caremark will administer prescription drug coverage for PPO plans. Optum RX will administer prescription coverage for the HSA and Minimum Value plans.
**Please refer to your Summary of Benefits and Coverage (SBC) or Certificate of Coverage for more complete plan details**
Regenexx
Regenexx procedures use your body's natural healing ability to help repair damage to bone, muscles, tendons and ligaments without surgery. These procedures are performed by highly skilled doctors trained specifically in Interventional Orthopedic procedures to help reduce pain and improve function.
Commonly treated conditions include, ACL tears, hip arthritis, shoulder rotator cuff tears, back/neck pain due to herniated discs, ankle sprains or ligament tears, plantar fasciitis, golfers' elbow, carpal tunnel and more.
A Flexible Spending Account (FSA) allows you to pay for your family’s out -of pocket medical and dependent care expenses with pretax income. You can elect to deposit a part of your before-tax income to a personal reimbursement account that you use to pay for qualified expenses incurred during the plan year. Amounts you put into your FSA plan are deducted before federal, state and social security taxes are withheld. Visit www.irs.gov/213d for a listing of services that qualify for FSA.
Your FSA provider: BASIC
Maximum FSA Contribution: $3,050
Grace period: You have until 3/15/22 to use 2022 FSA funds
If you are enrolled in a Health Savings Account (HSA) you are only eligible for a Limited Purpose FSA which includes dental, vision and post deductible medical expenses.
A Health Savings Account (HSA) is a tax-free savings account that is owned by you, 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money, and how to invest the balance.
To be eligible for an HSA:
2023 HSA Contribution Limits:
Anthem will remain the carrier for your dental benefits.
You may go to any dentist. However, those who belong to Anthems Dental network will be most cost effective.
**Please refer to attached Benefit Summaries for more complete plan details**
EyeMed remains the carrier for your vision benefits. The City of Middletown offers to vision plan options.
You may go to any eye care provider. However, those who are in the EyeMed network will be most cost effective.
**Please refer to attached Benefit Summaries for more complete plan details**
Anthem remains as the carrier for your Basic and Voluntary Life benefits.
Your Basic Life Benefit
Your Voluntary Life Benefit
Anthem remains the carrier for your Short Term Disability benefits.
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.
Your Short Term Disability Benefit
**Please refer to attached Benefit Summary for more complete plan details**
Guardian remains the carrier for your Accident, Critical Illness, and Hospital Indemnity benefits.
**Please refer to attached Benefit Summaries for more complete plan details**