Open Enrollment
November 11-30, 2025
Plan Year
December 1, 2025 - November 30, 2026
Open enrollment is an opportunity to review your coverage and find the best options for you and your family.
Eligibility
Who is eligible for benefits?
Regular full-time employees 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.
Qualifying Life Events
You can modify your elections under certain circumstances, called qualifying life 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 life event during the year, you may make changes to your benefits within 30 days, or 60 days if the event is due to birth or adoption of a child. Contact your HR Department as soon as possible to make changes to your benefits. If you miss this special enrollment window, you will have to wait until the next annual open enrollment.
How to Enroll
Current Employees: If you would like to make changes to your existing coverage, you must do so through the Employee Navigator Portal. Your current medical, dental, and vision elections will carry forward to the new plan year if you do not make a new election.
New Hires: Register for a new Employee Navigator Portal account. You will receive an email from Employee Navigator to complete registration and make your benefit elections.
Enroll with Employee Navigator:
- Sign into your account or register through the link below.
- Select Start Benefits.
- Review demographic information and fill in any missing information.
- Elect benefits that are available (medical, dental, vision, life, etc.). To view plan details, select Details.
- View summary of all selected benefits. This will show the covered member(s), cost, and effective date.
- Scroll to the top and click Agree to complete. You have finished your benefit elections for the year!
Benefits Overview
- Medical | Highmark Blue Cross Blue Shield
- Health Reimbursement Account | Highmark Blue Cross Blue Shield
- Dental | MetLife
- Vision | Highmark Blue Cross Blue Shield
- Health Care FSA and Dependent Care FSA | ADP
- Life and AD&D/Voluntary, STD, LTD, and Accident | Reliance Standard
- EAP | Reliance Standard
Understanding Your Benefits
Highmark Medical Benefits
PPO Blue Sharing $3,000 Rx
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.
Health Reimbursement Arrangement
What is a Health Reimbursement Arrangement? A Health Reimbursement Arrangement (HRA) 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.
How does an HRA work? An HRA covers qualified out-of-pocket expenses for you, your spouse, and your tax dependents. Employees are responsible for all eligible deductible expenses up to the first $1,000 for a single and $2,000 per employee/child, employee/children, employee/spouse, and family. Your employer will then pay the remaining eligible deductible expenses through the HRA.
Highmark 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.com or doctorondemand.com 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.
Added Benefits from Highmark
Blue Card
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
To locate doctors and hospitals wherever you or a covered dependent need care:
- 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 for Android, iPhone, iPad, and iPod Touch (rates from your wireless provider may apply)
- Call BlueCard Access® at 1-800-810-BLUE (2583)
Highmark Health and Wellness Programs
It has been reported that $18 billion could be saved annually if patients with avoidable issues took advantage of preventative care.*
Our health and wellness initiatives can help them reach their health goals.
Programs
- Behavioral Health resources
- Personalized health and wellness coaching
- Engagement Rewards
- Well360
- Integrated care team
Click below to get started!
* "Emergency Rooms vs. Urgent Care Centers." Debt.com. June, 2017.
Dental
Did You Know?
You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
Pre-Treatment Estimate
If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
Vision
Highmark Fashion Advantage Gold V
Eyes can give doctors a clear picture of overall wellness. That’s why vision care and benefits can help employees stay healthy. 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
Flexible Spending Accounts
What is a Flexible Spending Account? A Flexible Spending Account (FSA) is a tax-advantaged savings account that you can use to pay for qualified medical expenses, such as copays and medications. Contributions to FSAs aren’t subject to federal income tax if used for medical expenses, while Dependent Care FSAs can be used to pay for eligible care expenses, such as daycare and before/after-school programs. Unlike an HSA, you do not need to be enrolled in a high-deductible health plan (HDHP) to qualify for an FSA.
Do FSA funds expire? Unspent FSA funds typically don't roll over, meaning any funds not used by the end of the plan year will be lost.
Who is covered? An FSA covers qualified out-of-pocket expenses for you, your spouse, and your tax dependents.
Life and AD&D
If you are a Sepro America full-time employee working 40 hours per week and you have completed the new hire waiting period, you are eligible for a company paid life insurance and accidental death and dismemberment benefit through Reliance Standard.
Basic Life
- 1.5 times base salary to a maximum of $150,000
- A minimum benefit of $1,000
- Reduces by 50% at Age 70
- Waiver of Premium (disabled prior to 60, coverage continues to 65)
Basic AD&D
- 100% of the Basic Life benefit
- Waiver of Premium (disabled prior to 60, coverage continues to 65)
Voluntary Life and AD&D Benefits
If you are a Sepro America full-time employee working 40 hours per week and you have completed a new hire waiting period, you are also eligible for Voluntary Life/AD&D and Accident coverage through Reliance Standard.
Short-Term Disability
If you are a Sepro America full-time employee working 40 hours per week and you have completed a new hire waiting period, you are eligible for a company-paid short-term disability coverage through Reliance Standard.
- Weekly Benefit: 60% of Pre-Disability Earnings
- Maximum benefit is $2,000
- Coverage starts on the 1st day for accident and 8th day for sickness
- Benefit payment period is up to 26 weeks
Long-Term Disability
If you are a Sepro America full-time employee working 40 hours per week and you have completed a new hire waiting period, you are eligible for a company-paid long-term disability coverage through Reliance Standard.
- Monthly Benefit: 60% of Pre-Disability Earnings
- Minimum benefit of $100
- Maximum benefit is $6,000
- 180 Day Elimination Period
- Own Occupation Period - 24 Months
Accident
A serious injury can cost you a lot of money - not only in medical bills, but in things like income from lost work hours. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs. Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job, and it includes a range of incidents, from common injuries to more serious events.
Employee Assistance Program (EAP)
Our Employee Assistance Program (EAP) provides professional and confidential services to help employees and family members address a variety of personal, family, life, and work-related issues. From the stress of everyday life to relationship issues or even work-related concerns, the EAP can help with any issue affecting overall health, well-being and life management.
EAP benefits are free of charge, 100% confidential, available to all family members regardless of location, and easily accessible through ACI’s 24/7, live-answer, toll-free number.
(855) 775-4357 | rsli@acieap.com
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
And the best part is - there is never a fee for our services.
Contacts
You have dedicated agents ready to handle any situation in confidential manner. Contact us for service questions and needs such as:
- Understanding your medical, dental, or vision coverage
- Help finding in-network providers
- Assistance with prescription or pharmacy issues
- Questions regarding bills you receive from your doctor, hospital, dentist, optometrist, or lab
- Claims you believe haven’t been paid properly
Account Team Contacts
Erica Jones
Account Executive
erica.jones@nfp.com
724-940-9466
John Mueller
Producer / Sales Consultant
john.mueller@nfp.com
724-940-9406