Morley Library

Table of Content

  1. Header
  2. Overview of Health Benefits
    1. Welcome to your Morley Library Benefits Page
    2. 2024 Benefits Overview
    3. Eligibility & Qualifying Events
    4. Eligibility & Qualifying Events
    5. How to Enroll
    6. BenXpress
    7. Medical
    8. EPO Plan
    9. Lake Blue Plan
    10. MedMutual My Health Plan/Mobile App
    11. Preventive Care
    12. Prescriptions
    13. ImpaxRX
    14. Guardian
    15. Dental
    16. Vision
    17. Basic Life and Voluntary Life
    18. Beneficiary Designation
    19. First Stop Health
    20. FSH
    21. Ease@Work
    22. EASE@Work
    23. Employee Contributions
    24. Contact Information
    25. Compliance
  3. Footer

Welcome to your Morley Library Benefits Page

To Our Employees: 


We have made a conscious decision to offer you benefits because we care about you and your families, and we want to do everything we can to make sure you are taken care of. 


Once again this year, we conducted a thorough review of options available to us and we think we’ve come up with the best possible package. But the process doesn’t stop here—we need you to take an active role in understanding and selecting your benefit options. 


To help you gain that strong understanding, please read this kit carefully and consult with your partners at Morley Library with any questions. 


Thank you for all that you do for us!


2024 Benefits Overview

Medical: Medical Mutual

  • 2024 updates!
  • Your Basic Vision Exam will now be covered under your Medical Mutual plan. You still have the ability to enroll in your Guardian vision plan as well.
  • All UH Facilities and Providers will be added to Tier 1 on the Lake Blue Plan effective January 1, 2024.
  • Hearing Aid benefits have been added to both medical plans effective January 1, 2024.


Prescription: CVS Caremark through RX Benefits

  • All members will be receiving new prescription ID cards for 2024.


Specialty Prescription Assistance: ImpaxRX


Dental: Guardian


Vision: Guardian


Basic and Voluntary Life: Guardian


Telemedicine: First Stop Health


Employee Assistance Program: Ease@work

Eligibility & Qualifying Events

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.


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 Medical
What is a Qualifying Life Event?

What is a Qualifying Life Event?

How to Enroll

OE

Action Required!

All elections must be submitted by November 20th.


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 our benefit enrollment system to confirm or change benefit elections. After this deadline you must wait until the next open enrollment period or experience a qualifying event.


During Open Enrollment, you may:

  • Elect the same coverage with the same dependents.
  • Add or remove coverage for dependents.
  • If adding a dependent, please provide a marriage certificate for spouse and birth certificate for children.
  • Decline benefits.
  • Enroll if you are not currently enrolled in 2023 plans.
  • Update Life Insurance beneficiaries.
  • Enroll in additional Voluntary Life Insurnace through Guardian (at your expense).

To enroll in benefits please use the link below to BenXpress.


Employee Username: First letter of first name, plus last name, then last two digits of your birth year (example John Doe, Login: jdoe78)

Employee Password: Last four digits of your social security number (example:1876)


**Please note your Dental, Buy Up Vision and Voluntary Life benefits are not elected on BenXpress. Please contact Peggy Norman to make or change these elections for January 1, 2024.

Medical Mutual of Ohio - Login


Morley Library offers 2 medical plan options through Medical Mutual.


  1. Medical Mutual EPO Plan: Effective 1/1/23 the EPO plan uses the Meical Mutual Medflex Network.
  2. Lake Blue Plan: This is a 3 Ties Plan that utilizes the MMO SuperMes Plus Network


2024 updates!

  • Your basic vision exam will now be covered under your Medical Mutual plan.
  • All UH Facilities and Providers will be added to Tier 1 on the Lake Blue Plan effective January 1, 2024.
  • Hearing Aid benefits have been added to both medical plans effective January 1, 2024.


Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept MMO's contract rate as the final charge and members are not balance billed. Employees who receive care from an Out of Network provider will be responsible for higher costs.


Please see attached Summary of Benefits and Coverage (SBC) for your selected medical plan for specific details and exclusions.

EPO Plan

The EPO Plan utilizes the Medflex Network. This network does not include the Cleveland Clinic. This plan offers In Network benefits only. If you utilize a non-Network provider, your services will not be covered. It is important to confirm your providers are Network providers. The below packet can be downloaded and provides instructions on how you can find a MedFlex Network provider.


**Please refer to the Summary of Benefits/Certificate of Coverage from Medical Mutual for a full description of benefits and exclusions.

EPO Plan

Lake Blue Plan

The Lake Blue Plan is a 3 tier plan. Tier 1 offers additional savings with a lower copay if you use a provider in the Lake Health or UH System in Lake County. Tier 2 is the standard MMO SuperMed Plus Network, including the Cleveland Clinic. Tier 3 is your Non-Network providers.


Please remember, deductibles do not accumulate between tiers. (i.e.. You met your deductible for Tier 1, but now use a Tier 2 provider. You will still need to meet the Tier 2 deductible)


2024 updates!

  • All UH Facilities and Providers will be added to Tier 1 on the Lake Blue Plan effective January 1, 2024.
Lake Blue Plan

MedMutual My Health Plan/Mobile App

My Health Plan is Medical Mutuals secure website specifically for Medical Mutual members. It makes it easy to manage your plan and your health online. It allows you to compare your healthcare options so you can make better decisions and minimize cost.


On My Health Plan you can:

  • Check your deductible
  • Review your Explanation of Benefits (EOB)
  • Find in network doctors
  • Access your ID Card


To create your account:

  • Visit MedMutual.com/Member
  • Click on "Register for an Account"