Benefits Open Enrollment
Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year. You are given an Open Enrollment opportunity each year for a June 1 renewal.
Please review the Open Enrollment Overview for enrollment instructions.
Open Enrollment paperwork is due to HR by May 16th.
Changes This Year
Sac & Fox Casino is committed to offering a comprehensive employee benefits program that helps our employees stay healthy, feel secure and maintain a work-life balance.
Medical Benefits: Our medical plans incurred a significant increase this year, so we’re changing the network for our Platinum and Gold plans to Blue Advantage. Blue Advantage is a smaller network but comes with lower premiums due to deeper negotiated discounts. This means less out of pocket for you, with no change in benefits.
If you are currently enrolled in the Platinum or Gold plans, you will automatically be enrolled in the new Platinum and Gold plans. Open Enrollment is your opportunity to make a plan change, if you wish.
Please refer to your Benefits Guide and Summaries of Benefits & Coverage (SBCs) for more detail.
Your Cost Per Paycheck: Our medical premiums are increasing, so you’ll see a change to your cost per pay for this benefit. No other benefit incurred a rate increase however, you may see an increase to your Voluntary Life and Critical Illness/Cancer payroll deductions if you advanced to a new age band.
Benefits Overview
As a full-time employee, you are eligible for the comprehensive benefits available to you and your family.
Resources Available
This Benefits Open Enrollment Microsite contains all the necessary benefit summaries and forms required to enroll or make changes to your current elections.
Please be sure to:
- Review your benefits overview, which highlights the comprehensive coverage available to you and your family.
- Refer to your Summaries of Benefits and Coverage, for more benefit details.
Insure Oklahoma
AFFORDABLE HEALTH INSURANCE FOR EMPLOYEES IN OKLAHOMA
Health insurance can be expensive, even if you and your employer split the cost. Insure Oklahoma keeps businesses and working adults strong by helping them pay for health coverage. The Employer-Sponsored Insurance program can save you 60 percent or more on health insurance premiums.
Through this state-operated program, premiums for Sac & Fox's Platinum plan are split between the casino and Insure Oklahoma (60 percent or more). Insure Oklahoma’s share is paid with state tobacco tax and federal matching dollars.
You may be able to get assistance in paying premiums for qualified family members, too.
HOW TO QUALIFY
To qualify for Insure Oklahoma’s Employer-Sponsored Insurance program, you must work for a business that has already been approved by Insure Oklahoma, and:
- Be between the ages of 19 to 64
- Be an Oklahoma resident and meet citizenship guidelines
- Have an annual gross household income within the Employer-Sponsored Insurance income guidelines
- Not be enrolled in Medicare or Medicaid
- Contribute up to 15 percent of monthly premium cost for yourself, and up to 15 percent of premium cost for qualified dependents (but the total premium won’t be more than 3 percent of your annual gross household income).
HOW IT WORKS
Insure Oklahoma sends its share of the premium to your employer every month. Your employer deducts your 15% share from your paycheck and combines those shares with the employer's to pay the insurance company. You can use your health plan’s benefits and network of doctors to stay healthy.
BCBS of Oklahoma
Having access to high quality, affordable health care is a great concern for most people. That’s why we are pleased to offer employee and their families, comprehensive medical coverage administered by Blue Cross & Blue Shield of Oklahoma (BCBS).
Freedom to Choose
You can choose between three medical plans. Note: Keep in mind that plan changes can only be made during open enrollment.
Summaries of Benefits & Coverage can be found, below.
Guardian
Symetra
As your employer, we automatically provide a certain level of life insurance coverage for you and give you the opportunity to purchase additional coverage for you and your dependents.
Employees who wish to supplement their basic life insurance benefit, may purchase additional coverage.
Annual Voluntary Life Benefit Increase:
Employees that elected this coverage during their initial enrollment period, have the option to elect $10,000 to $50,000 (not exceed the guaranteed issue amount) additional coverage, during open enrollment, without having to prove insurability. This option is not available for your spouse or dependent children.
If you didn't elect this benefit, when first eligible, and decide to enroll during open enrollment, you will have to prove insurability by completing an Evidence of Insurability (EOI) form. This form can be found in the "How to Enroll and Forms" section. Underwriting will notify you of approval or denial of coverage.
How to File a Claim with Symetra
Learn how to file a claim for Life, Disability, Accident, Hospital Indemnity and Critical Care with Cancer.
Norton LifeLock
Norton LifeLock Benefit Plans help protect your identity, online privacy and personal devices.
Identity theft protection and more - for the whole family. You and your family share all kinds of personal, private, and sensitive information online everyday. Your information is valuable to you — and it’s also valuable to cybercriminals.
Norton LifeLock provides comprehensive protection features to help you feel safer in your digital life.
Nationwide
How To Enroll and Forms
Be sure to attend one of the in-person presentations to get your enrollment packet.
For newly benefit eligible Employees, your packet includes instructions on how to apply for benefits. Please complete your enrollment no later than your 60th day of employment.
ACTION REQUIRED
Anyone that thinks they may qualify for the Insure Oklahoma program, must apply online.
Anyone interested in enrolling in the Nationwide’s pet insurance, must enroll online. A QR code to their online enrollment can be found in your Benefits Guide.
Your applications must be submitted to HR and online enrollments done by your 60th day of employment.
Wellness Resources
Contact Us
While we are interested and concerned about the health of our employees and their dependents, we have HIPAA Privacy Compliance obligations which limit the information shared with us. NFP is available to assist you with claims issues or any other issues you have concerning our benefits. If you are experiencing a claim issue, please contact Customer Service with the appropriate insurance company, first, to see if you can resolve it on your own. If not, then you need to contact our broker for further assistance.
Client Contacts
Kadey Durbin
kadey.durbin@blackhawkcasino.org
405-395-0764