Plan Year

January 1, 2026 - December 31, 2027

What is Open Enrollment?

Open Enrollment is the one time of year that you are able to enroll in or modify your employee benefits for the upcoming plan year. Elections you make at this time will remain in effect until the next Open Enrollment period, unless you have a Mid-Year Election Change Event that allows for a plan change.

What is a Mid-Year Election Change Event?

A Mid-Year Election Change Event (such as marriage, divorce, birth/adoption of a child, or loss of eligibility under another plan) allows you to make plan changes outside of Open Enrollment. If you experience this type of event during the year, you may modify your benefits within 30 days by notifying HR as soon as possible. Learn more.

Who is eligible for benefits?

Full-time employees working 30 or more hours per week, your spouse, and your legal dependents are eligible to participate in the benefit plans.

Who are my legal dependents?

  • Your legal spouse
  • Your children (up to age 26) including natural, step, legally adopted/placed for adoption, and children for whom you serve as legal guardian
  • Disabled dependent children (any age)

When does my coverage start?

Your coverage becomes effective on the first day of the month following 30 days from your date of hire.

How to Enroll with Employee Navigator

Returning Employees: Sign into your Employee Navigator account to review your benefit options.

New Employees: You should receive an email from Employee Navigator to register. Use the registration link in the email to create your account.

  • To begin your enrollment, select Start Benefits.
  • Verify/edit your personal and dependent information.
  • Select which plans you wish to enroll in. Click Details to view plan information or Compare to compare plans.
  • Review the summary page and Click to Sign to complete your enrollment for the year.

Your Benefit Options

Medical

Highmark

Dental

Highmark

Vision

Vision Benefits of America (VBA)

Health Reimbursement Arrangement

iSolved

Pet Insurance

PetPartners

Identity Theft Protection

Norton LifeLock

Cancer Insurance

Long-Term Disability

Aflac

Understanding Your Benefits

Covered Health Service: A service could be an office visit, test, prescription, or another medical treatment your health insurance covers. Before seeking care, check to make sure the service is covered.

Claim: The request for payment that's sent to your health insurance company after you receive covered care.

Copay: A fixed fee that you must pay for a covered service as outlined in your plan design, usually at the time you receive the service.

Plan Allowance: The set amount your plan will pay for a health service, even if your provider bills for more.

Deductible: The set amount you pay for a covered health service before your plan will begin to pay. Will be outlined within your plan design.

Coinsurance: The percentage of the cost of your covered health care services, that you must pay after you've met your deductible.

Out-of-Pocket Maximum: The most you'd pay for covered care within the plan period. If you hit this amount, your plan pays 100% after it is reached.

Premium: The monthly amount paid (by your employer, a combination of employer and employee or the employee only if voluntary)


In-Network Provider: A doctor, hospital, or other provider in the plan's network. Network providers accept the plan's payment in full. You pay less when you use an in-network provider. With the exception of care for emergent and urgent conditions, if the plan does not offer out of network coverage, you must seek an in–network provider for all covered services.


Out-of-Network Provider: Provider who does not have a contract with your health insurer to provide services to you at a discount. You will generally pay more to see an out-of-network provider. If you have an EPO or HMO plan, you are not covered for out-of-network services (except for emergency and urgent care services).


Formulary: A list of medications covered by your plan sorted by tier. Lower tiers usually mean lower copays.

Plan Options

  • EPO Blue 7,000
  • EPO Performance Blue 7,000

Did you know?

  • Preventive services are covered at 100% in-network, and copays and 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.

Download the My Highmark app

Find care, check benefits and coverage, access member ID cards, view claims, and more.

EPO Blue 7,000

Benefit Summary

EPO Blue 7,000

Benefit Summary

EPO Blue 7,000

SBC

EPO Blue 7,000

SBC

EPO Performance Blue 7,000

Benefit Summary

EPO Performance Blue 7,000

Benefit Summary

EPO Blue 7,000

SBC

EPO Blue 7,000

SBC

Virtual Visits

24/7 Access


With virtual medicine, you and your family have access - day or night, seven days a week - to U.S. licensed, board-certified doctors. These doctors diagnose and treat most non-emergency illnesses. They can even prescribe medications when appropriate.



When to Use Virtual Visits


Virtual doctors can treat sinus infection, upper respiratory infection, bronchitis, flu, conjunctivitis, cough and sore throat. Of the top 20 reasons people visit urgent care centers, 18 can be treated through a virtual medicine visit.



Get Started


Visit Amwell or Doctor on Demand and follow the instructions to register and download their mobile apps. You can use either or both of these services, depending on the availability of virtual doctors in your area.

virtual

Added Benefits from Highmark

BlueCard

As a Blue Cross Blue Shield member, you can take your healthcare benefits with you - across the country and around the world. Your membership gives you a world of choices. Within the United States, you’re covered whether you need care in urban or rural areas. Outside the United States, you have access to doctors and hospitals around the world through the Blue Cross Blue Shield Global Core program.

Helpful Health Tools

Your member website makes it easy and convenient for you to:

  • Find, rate, and review providers near you
  • Compare care costs and quality
  • Contact us for help with questions
  • View and print your ID card
  • Check on the status of your claims
  • Get information about your benefits
  • Get health and wellness information

Locate Care Anywhere

  • Visit the National Doctor & Hospital Finder at bcbs.com
  • Use the National Doctor & Hospital Finder app and the Blue Cross Blue Shield Global Core app
  • Call BlueCard Access at 1-800-810-BLUE (2583)

Health and Wellness Programs

Highmark's health and wellness programs can help you reach your goals, lower your risk for illnesses, manage health conditions, and build healthy habits. Our comprehensive suite of employee support tools includes:

  • Behavioral health resources
  • Personalized health and wellness coaching
  • Engagement rewards
  • Well360

Get started on your personal wellness journey today.

wellness

Medicare Services from NFP

Considering Medicare coverage?

NFP is proud to support you when it comes to Medicare and understanding your coverage options. As trusted advisors in the individual markets for over 20 years, our team is comprised of experienced and knowledgeable agents specializing in Medicare coverage. We offer independent and individualized consultations to help you to:

  • Understand your coverage options
  • Determine if you are eligible for subsidies to lower your healthcare costs
  • Establish a timeline for applying for coverage
  • Choose a plan that fits both your lifestyle and your budget
  • Find coverage that allows you to access the doctors and hospitals you want most
  • Enroll in the plan that works best for you

Best of all, there is never a fee for our services.

HRA

What is a Health Reimbursement Arrangement (HRA)?

A Health Reimbursement Arrangement is an employer-funded health benefit that reimburses employees for qualified medical expenses, including monthly premiums and out-of-pocket costs, like copayments and deductibles. These reimbursements are typically tax-free for employees. Unlike other health spending accounts, only your employer can put money into your HRA. The money is available to you at the beginning of the year. Based on your employer’s individual plan structure, funds may or may not roll over each year. An HRA covers qualified out-of-pocket expenses for you, your spouse, and your tax dependents if they are enrolled in the same health plan.

HRA Information

HRA Information

HRA Reimbursement Form

HRA Reimbursement Form

Dental

Did you know?

Oral health is more than just healthy teeth. Oral refers to the mouth, which includes the teeth, gums, and supporting tissues. Most oral health conditions are largely preventable and can be treated in their early stages.

Blue Edge Dental Preferred 10W with Ortho

Benefit Summary

Blue Edge Dental Preferred 10W with Ortho

Benefit Summary

Vision

Did you know?

Eyes can give doctors a clear picture of overall wellness. 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

$0 Exam / $0 Materials Copay

Benefit Summary

$0 Exam / $0 Materials Copay

Benefit Summary

Other Coverage

Pet Insurance

PetPartners

PetPartners provides best-in-class pet health coverage for accidents, illness, and preventative care - with no age limits or breed restrictions. Plus, they offer prescription discounts, a 24/7 vet helpline, and coverage for pre-existing conditions.

Identity Theft Protection

Norton LifeLock

LifeLock helps keep your personal information private and your money safe. They monitor for identity theft in places that banks, credit card providers, and credit bureaus may ignore, and reimburse out-of-pocket expenses incurred as a result of identity theft.

Cancer Protection

Long-Term Disability

Aflac

Aflac provides supplemental insurance to help pay out-of-pocket expenses your major medical insurance may not cover. To learn more or enroll, contact your Aflac representative:

Travis Ling

travis_ling@us.aflac.com

(814) 241-6657 (cell) / (412) 323-8855 (office)

Contacts

You have dedicated agents ready to handle any situation in a discreet and confidential manner. Contact us for questions and needs such as:

  • Understanding your benefit coverage
  • Help finding in-network providers
  • Assistance with prescription or pharmacy issues
  • Questions regarding bills you receive from your doctor, specialist, hospital, or lab
  • Claims you believe haven’t been paid properly

ContactImage

Brianna Rainey

Account Executive

brianna.rainey@nfp.com

814-289-4232

ContactImage

Debra Barron

Producer / Sales Consultant

deb.barron@nfp.com

814-289-4227