Introduction

Open Enrollment is your opportunity to learn about the 2021 benefit offerings, review your current plan(s), and choose the best options for you and your family. Please see the information below, attached documents, and presentation videos.



Benefits Overview

Your benefits include a Sedera cost sharing plan paired with a MEC (Minimum Essential Coverage) plan for your preventative care. Employer paid life, voluntary life, voluntary short-term disability, voluntary dental, and voluntary vision plans are offered through Principal.


Select the links below to watch the presentation videos we created to help you learn more about your benefit offerings.


Sedera Select +

Cost Sharing Community

Inspired by the modern sharing economy, Sedera's model centers on Member-to-Member sharing, basically people helping people.

Sedera Medical Cost Sharing Members support one another’s financial and physical health by sharing burdensome medical expenses.


Healthcare Doesn’t Have to be Complicated

It is no secret that today’s healthcare landscape is complex and confusing.

With Medical Cost Sharing, managing medical expenses can be direct and transparent.


Watch the Sedera presentation video below to get more information.

MEC (Minimum Essential Coverage)

Preventative Care

Apex MEC (Minimum Essential Coverage)


This is the part of your combo that covers your preventative care at 100%. When you enroll in Sedera you are automatically enrolled in this plan.


You will receive an ID card for this plan.

 

PHCS network search instructions:


●Go to www.multiplan.com

●Click on Find a Provider in the upper right corner

●Click on the green Select Network button & choose PHCS

●Click the green Select Network box

●Choose PHCS in the pop-up box

●Select Preventive Services Only

Apex HDHP SBC 10-1-2021

Apex HDHP SBC 10-1-2021

Dental

Principal's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Principal network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.

 

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

 

Please see presentation and summaries below.

Principal Voluntary Dental

Principal Voluntary Dental

Vision

DID YOU KNOW?

 

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

 

A Time to Revive offers vision coverage through Principal using the VSP Network to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the Principal Network. Review your coverage details in your Benefit Guide.

 

To find out if your provider is in-network, please visit the link below to search the VSP network.

Principal Voluntary Vision Summary

Principal Voluntary Vision Summary

Life & Disability

Principal

A Time to Revive provides you with Basic & Voluntary Life/AD&D coverage as well as Voluntary Short-Term Disability through Principal.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for $15k 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.


NOTE: ·        

  • For employees already participating – They can increase their coverage by $10,000 or $20,000—up to the benefit maximum—with no health questions asked. Best of all, employees can continue increasing their coverage every year during open enrollment. 
  • For employees not participating – They can easily purchase $10,000 or $20,000 in coverage—with no health questions asked.
  • For employees with families – They can also purchase or increase coverage for their families. Spouse coverage can be added or increased in the amount of $5,000 or $10,000. And child coverage can be added or increased as well.

 

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 Principal pays 60% of your income to a maximum of $1,000 per week.


Please consult your Employee Benefits Guide and review the plan SBCs for additional details.

Principal Group Life

Principal Group Life

Principal Voluntary Life

Principal Voluntary Life

Voluntary Life Rates 10-2021

Voluntary Life Rates 10-2021

Principal Voluntary Short-Term Disability

Principal Voluntary Short-Term Disability

Voluntary Short-Term Disability Rates 10-2021

Voluntary Short-Term Disability Rates 10-2021

September Open Enrollment

Action Required

1. Log into your Paycor Account.

2. Click on: ME ... BENEFITS

3. Click on the START ENROLLMENT button.

4. For every insurance type (except Basic Employee Life/AD&D) - Select 1 of 3 options: 

    -- "I don't want this benefit (waive)"  

    -- "Keep My Selection" (It'll keep it the same as shown.)  

    -- "View Plan Options" (Click to view price/family options.)

5. Click CONTINUE.

6. Choose BENEFICIARIES.

7. REVIEW & CONFIRM all your choices.

8. Click COMPLETE ENROLLMENT