INTRODUCTION

ANNUAL OPEN ENROLLMENT

W.A. Hoy Construction Inc. sincerely believes our employees are our greatest asset. Offering a competitive and affordable employee benefits package is a top priority.

NFP is a leading insurance broker and consultant that provides employee benefits, property and casualty, retirement, and individual private client solutions through licensed subsidiaries and affiliates. W.A. Hoy Construction Inc. employee benefits is managed by the team at NFP's local office in Somerset, PA. By partnering with NFP, we are committing to continuing to improve the employee benefits experience for all W.A. Hoy Construction Inc. employees. For more information about NFP, visit www.NFP.com

Annual enrollment is your opportunity to learn about your health care benefits, review your current coverage and choose the best options for you and your family.

Your current plan year runs from December 1, 2025, through November 30, 2026.

Please review all Benefits Overview Information. If no changes are needed, your current benefits will roll over into the new plan year.

BENEFITS OVERVIEW

BENEFIT GRIDS AND INFORMATION
  • Medical Grid - Bywater/Cigna PPO $500
  • Dental Grid - United Concordia Preferred Plan Network: Advantage
  • Vision Grid - Highmark Fashion Advantage V

Cigna Medical Summary

PPO $500

Cigna Medical Summary

PPO $500

United Concordia Dental Grid

Concordia Preferred Plan

United Concordia Dental Grid

Concordia Preferred Plan

Highmark Vision Grid

Fashion Advantage V

Highmark Vision Grid

Fashion Advantage V

SPD - Self Funded Medical Plan

Summary Plan Description

SPD - Self Funded Medical Plan

Summary Plan Description

ACTION REQUIRED

Please review the Mandatory Notices:

  • Employee Benefit Notices
  • Compliance Documents
  • Summary of Benefits and Coverage Document (SBC)
Employee Benefits Notices

Health Plan Compliance Notices

Employee Benefits Notices

Health Plan Compliance Notices

CIGNA Summary of Benefits and Coverage

PPO $500

CIGNA Summary of Benefits and Coverage

PPO $500

Section 125 Form

Section 125 Form

HOW TO ENROLL

ENROLLMENT FORMS

Current Employees:

  • If you'd like to change your existing coverage or make new elections, you must do so by December 15
  • Your current medical elections will carry forward to 2024-2025 if you don't make a new election.

New Hires:

  • You will need to complete any carrier enrollment forms you wish to enroll in for the plan year.
Highmark

Enrollment/Waiver Form

Highmark

Enrollment/Waiver Form

United Concordia

Dental Enrollment Form

United Concordia

Dental Enrollment Form

CONSIDERING MEDICARE COVERAGE?

Medicare Services from NFP

NFP is proud to support you when it comes to Medicare and understanding your coverage options.

Our team has served as a trusted advisor in the individual markets for over 20 years and is comprised of experienced and knowledgeable licensed agents who specialize 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

The best part is - there is never a fee for our services.

Medicare 101

Medicare 101

CONTACTS

You have dedicated agents to handle any situation in a discreet and confidential manner. Contact us with questions and needs such as:

  • Understanding what your medical, dental or vision benefits cover
  • 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

ContactImage

Brianna Rainey

Account Executive

brianna.rainey@nfp.com

814-289-4232