Welcome to the VPD Government Solutions 2026 Plan Year Open Enrollment
The Open Enrollment will be held from February 2nd through February 11th.
Introduction
Why is Open Enrollment Important to Me?
The 2026 Plan Year is fast approaching. VPD Government Solutions' Annual Open Enrollment will be held Monday, February 2nd through Wednesday, February 11th. During this timeframe, you will have the opportunity to review the upcoming plan year benefit offerings, add or remove dependents, and enroll, change, or waive benefits.
The Open Enrollment will be ACTIVE. This means all benefit eligible employees must go into the UKG system and complete their elections by February 11th to be enrolled in benefits for the 3/1/2026 plan year. If you do not go through the Open Enrollment in the UKG system, you will be removed from any benefits you were currently enrolled in except for the Employer Paid Life/AD&D and Disability benefits as of the 3/1/2026 plan year.
Important Things to Note:
Outside of Open Enrollment, no changes can be made to your benefits such as new enrollments, plan changes, or terminating coverage from the plans unless a Qualified Life Event occurs. Examples of Life Events include marriage, divorce, birth of a child, death of dependent, loss of other creditable coverage, and gain of other creditable coverage. Most Life Event changes need to be submitted for processing within 31 days of the Life Event occurring. Please view the Benefit Guidebook for additional information on Qualified Life Events.
What's Changing?
- The Medical plans will continue to be with Cigna. There are benefit changes on all three of the plans, including increases to deductibles and copays, as well as a change to the Rx formulary.
- The Dental and Vision plans will continue to be with Unum with no plan design changes.
- The Life and Disability plans will continue to be with Unum with no plan design changes.
- The Accident, Critical Illness, and Hospital Indemnity plans will continue to be with Unum with no plan design changes.
- The HSA, FSA, LFSA, DCA, and Commuter Accounts will continue to be through Wex.
Open Enrollment Meetings
An Education Session will be held virtually. Please see below for the date and time of the meeting.
Session date and time:
Monday, February 2nd at 4:00pm EST
How to Enroll
SUBMITTING YOUR ENROLLMENT ELECTIONS
Enrollments will be completed in the UKG system. Enrollments must be completed and submitted within the system no later than Wednesday, February 11th.
Additional Enrollment Steps
ADDITIONAL STEPS
If you newly elect/increase employee and/or dependent Supplemental Life/AD&D insurance or newly elect Hospital Indemnity insurance for yourself and/or dependents, an Evidence of Insurability (EOI) form is REQUIRED.
If applicable, please complete the paper EOI form and return to Rachel Kulp at rachel.kulp@nfp.com. The EOI will be reviewed by Unum for approval. EOI's must be completed and sent to Rachel Kulp no later than 2/28/26. If an EOI is not received by Rachel by the 2/28/26 cutoff date, the new election will be declined. The paper EOI form can be found below.
Benefits Overview
Find all of your benefit plan options for the 2026 plan year within the below Benefit Guidebook and Open Enrollment Presentation.
InsurChoice
InsurChoice is a digital marketplace that offers a more efficient and personalized way for individuals to access the solutions they need 24/7/365. One size doesn’t fit all, so you can match yourself with the best rates and coverages from multiple insurance companies. Select the products that meet your needs on your schedule.
InsurChoice offers a variety of products to allow you to pick and choose which products best fit your needs. For additional information, click the link below or scan the QR code.
AblePay
AblePay Health is a voluntary employee benefit offered at NO-COST to you that can save you money on your deductible, coinsurance and even some copays (up to 13%) while also providing you with extended payment terms (over 3, 6, or 12 months). You can enroll whether you have your benefits through VPD Government Solutions or elsewhere.
AblePay contracts with over 35 hospitals and 900 physician groups. AblePay has also had success getting discounts for their members at other providers so use the card everywhere, and if not a participating provider, AblePay will try and contract with them.
Why sign up for AblePay?
- Save Money! AblePay helps members save up to 13% on their deductible and coinsurance
- For the flexible payment options (all with discounts or 0% interest) – you can make payments with a bank account (checking, savings, HSA) or pay with a card (credit, debit, or HSA)
- All medical bills are stored in your member portal, eliminating stacks of paper and providing easy access for future reference or substantiation
- Member bills are paid directly through your secure portal with a click of a button, eliminating the need to write multiple checks
Payment Terms and Discounts
- 1 pay: 13% Bank ACH, 10% Card
- 3 pays: 10% Bank ACH, 7% Card
- 6 pays: 8% Bank ACH, 5% Card
- Payment terms up to 12 months – No Discount/No Interest
Speak with AblePay Health directly by phone at 484-292-4000 or email support@ablepayhealth.com.
Plan Documents
Please find full benefit summaries, flyers, and other benefit resources below for your 2026 plan year benefit offerings.
Compliance Documents
Please find compliance documents below for your 2026 plan year.
Contact Us
Please contact us with any questions.
VPD Government Solutions Human Resources
hr@vpdgov.com
Erica Payne, VPD Government Solutions HR Manager
540-602-9391
epayne@vpdgov.com
Rachel Kulp, NFP Insurance Broker Account Executive
484-290-5764
rachel.kulp@nfp.com