Table of Content
- Header
-
Employee Benefits
- Introduction
- Eligibility
- Qualifying Life Events
- How to Enroll
- Benefits Overview
-
Medical
- Understanding Your Benefits
- Highmark Medical Benefits
- Medical Benefit Summaries
- Highmark Virtual Visits
- Added Benefits from Highmark
- Highmark Health and Wellness Programs
- Medicare Services from NFP
-
Dental
- Dental Benefit Summary
-
Vision
- Vision Benefit Summary
-
Other Coverage
- Life and AD&D
- Short-Term Disability
- Long-Term Disability
- Value Added Benefits
- Additional Resources
- Contacts
- Footer
Annual Open Enrollment
Open Enrollment: June 20-27, 2025
Plan Year: July 1, 2025 - June 30, 2026
Open enrollment is an opportunity to review your coverage and find the best options for you and your family.
Tri-County Workforce Investment Board sincerely believes that our people are our greatest asset. Offering a competitive and affordable benefits package is a top priority. By partnering with NFP to manage your employee benefits, we are committed to continually enhancing the employee experience for all. For more information, visit NFP.com.
Eligibility
Who is eligible for benefits?
Regular full-time employees and employees working 30 hours per week or more 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
Benefit Grids and Information
- Medical Benefits through Highmark
- Performance Flex Blue PPO $500
- Performance Blue EPO $500
- Dental Benefits through Principal
- Vision Benefits through Principal
- Basic Life/AD&D through Principal
- Short-Term Disability through Principal
- Long-Term Disability through Principal
- Employee Benefit Notices (Health Plan Compliance Notices - Required Read)
Understanding Your Benefits
Highmark Medical Benefits
Network:
- Performance Flex Blue PPO $500
- Performance Blue EPO $500
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.
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.
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.
Dental
Network:
Principal Plan Dental
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
Network:
VSP Choice
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
Life and AD&D
Life and AD&D Benefits
We believe we should offer our employees the opportunity to provide for their family's future rather than leaving it to chance. Life insurance can provide your dependents with a lifetime of financial security, and upon your death, can be used to pay off your debts - such as credit cards and your mortgage - or other expenses that could burden your family.
Voluntary Life and AD&D Benefits
If you need additional protection beyond the company-paid Basic Life Insurance, you may purchase Voluntary Term Life and AD&D Insurance for yourself and your eligible dependents.
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.
This 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.
Long-Term Disability
This coverage pays a monthly benefit if you have a covered illness or injury and cannot work for a few months or longer.
You are generally considered disabled if you are unable to do important parts of your job - and your income suffers as a result.
Value Added Benefits
Contacts
You have dedicated Agents ready to handle any situation in a discreet and 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
TCWIB Contacts
KS
Kate Stover
kstover@tricountywib.org
(724) 282-9341
NFP Contacts
Debra Barron
Producer / Sales Consultant
deb.barron@nfp.com
814-289-4227
Erica Jones
Account Executive
erica.jones@nfp.com
724-940-9466