INTRODUCTION
WTS First Defense 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. WTS First Defense employee benefits are 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 WTS First Defense 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 UPMC Medical plan year runs from August 1, 2025 through July 31, 2026.
Your UHC Dental, Vision, Life/AD&D, STD, and LTD, plan year runs from August 1, 2025 through July 31, 2026.
Please review all 2025-2026 Benefits Overview Information.
If NO changes are needed, then your current benefits will just roll over into the new plan year.
BENEFITS OVERVIEW
- UPMC Medical Grid - Gold PPO $1,000
- UHC Dental Grid
- UHC Vision Grid (Powered by Spectera Eyecare Network visit us online at www.spectera.com or call 800-638- 3120)
- UHC Life/AD&D Grid
- UHC Short Term Disability (STD) Grid
- UHC Long Term Disability (LTD) Grid
ACTION REQUIRED
Please review the mandatory documents:
Employee Benefit Notices (Health Plan Compliance Notices)
Summary of Benefits and Coverage Document
HOW TO ENROLL
Current Employees:
- If you'd like to change your existing coverage or make new elections, you must do so by July 18.
- Your current elections will carry forward to 2025-2026 if you don't make a new election.
New Hires:
- You will need to complete the enrollment forms below.
NEW HIRES
If you are a NEW HIRE and need to enroll for the FIRST time, please see above section How to Enroll.
All enrollment forms are attached in the How To Enroll for download.
UPMC ADDITIONAL RESOURCES
Below are additional UPMC Brochures and Flyers for more information on other resources.
For Out of Area employees refer to the CIGNA network information on the UPMC Health Plan website.
(See attached instructions)
UHC ADDITIONAL RESOURCES
Below are additional UHC links and forms.
MYUHC Portal Link
MYUHC Vision Portal Link
Instructions to Retrieve Dental and Vision Claim Forms
- For Dental go to MYUHC Link
- For Vision go to MYUHC Vision Link
- Instructions are the same for both portals
UHC Life/AD&D Beneficiary 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
And the best part is, there is never a fee for our services!
NFP CONTACTS
For Service 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
Account Team Contacts
Debra Barron
Producer / Sales Consultant
deb.barron@nfp.com
814-289-4227
Tracy Tirko
Account Executive
tracy.tirko@nfp.com
814-289-4229