Northwest Companies

Table of Content

  1. Header
  2. Page
    1. WELCOME
    2. OVERVIEW
    3. ENROLLMENT
    4. MEDICAL/RX
    5. DENTAL
    6. VISION
    7. LIFE & DISABILITY
    8. HSA
    9. UNDERSTANDING YOUR BENEFITS
    10. Additional Resources
    11. Contact Us
  3. Footer

WELCOME

Helping you and your family reach and maintain good health is very important to Northwest Companies. Northwest Companies is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.


ELIGIBILITY

Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Northwest Companies. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.



OVERVIEW

Northwest Companies remains committed to providing a competitive, cost-effective benefit program, which we hope will be positively received by you and your families.

Below are highlights of changes that will become effective on April 1.


Please review your Northwest Companies Open Enrollment Employee Benefits Guide for information on all of your benefits.

ENROLLMENT

Action Required:


All elections must be submitted by March 27. The benefits you elect during open enrollment will be effective from April 1 - March 31.


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.


Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.

2023 OE Guide

2023 OE Guide

MEDICAL/RX

Blue Cross Blue Shield of Oklahoma

BCBSOK will administer your medical and prescription drug benefits this year. We will offer two medical plan designs - a PPO option and an HSA option. These plans allow you the freedom to choose either an in-network or out-of-network provider for your health care needs. When you receive care from an in-network provider, you will experience significant savings. This is because in-network providers have agreed to negotiated discounts for our employees. Should you choose to receive care from an out-of-network provider, you may have to file the claim to receive reimbursement for covered expenses and your out-of-pocket costs will be much higher.


To find out if your provider is in-network, please visit the BCBSOK website below.

Medical Summary - PPO

Medical Summary - PPO

Medical Summary - HSA

Medical Summary - HSA

Preferred Provider Organization (PPO) Overview

Preferred Provider Organization (PPO) Overview

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

High Deductible Health Plan (HDHP) Overview

High Deductible Health Plan (HDHP) Overview

DENTAL

Blue Cross Blue Shield of Oklahoma Dental Plan

Northwest Companies' dental plan provides comprehensive coverage to help you and your family maintain good dental health. Dental coverage will be offered by Blue Cross Blue Shield of Oklahoma this year. This plan is a Preferred Provider Organization (PPO) plan that includes a network of participating providers who have agreed to accept discounted payment rates through our plan. You can go to any dental provider you want, but you will pay less if you choose one that belongs to the plan's network.


To find out if your provider is in-network, please visit the BCBSOK website below.

Dental Insurance Overview Video

Dental Insurance Overview Video

Dental Summary

Dental Summary

VISION

Dearborn Vision Plan

DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterollesterol.
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes


Northwest Companies offers vision coverage through BCBS of OK to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in-network. Review your coverage details in your Benefit Guide.


To find out if your provider is in-network, please visit the website below.


Vision Summary

Vision Summary

Vision Insurance Overview

Vision Insurance Overview

LIFE & DISABILITY

Northwest Companies provides you with Basic & Voluntary Life/AD&D coverage as well as Voluntary Short-Term Disability through BCBS of OK.


Basic Life/AD&D

Employees working [30 or more] hours per week are eligible for $15,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.


Who''s Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


Voluntary 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. 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 coverage through Dearborn pays 60% of your income to a maximum of $1,500 per week.


Please consult your Employee Benefits Guide and review the benefit summaries for additional details.

Life/AD&D Insurance Overview

Life/AD&D Insurance Overview

Basic Life & AD&D Summary

Basic Life & AD&D Summary

Voluntary Life & AD&D Summary

Voluntary Life & AD&D Summary

Disability Insurance Overview

Disability Insurance Overview

Voluntary Short-Term Disability Summary

Voluntary Short-Term Disability Summary

HSA

Health Savings Account

The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an HSA, you reduce your taxable income, so you pay less in taxes — which saves you money.


To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).


You may contribute as follows:

$3,850 for a single contract

$7,750 for a two person or family

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:


Client Contacts

JT

Juana Tackett

jtackett@northwestcraneservice.com

(580) 254-8070

Account Team Contacts

ContactImage

Shelby Parker

Account Executive

shelby.parker@nfp.com

405-513-8902