Welcome to your Virtual Benefits Center.
This site was designed to be a centralized resource for you to learn about your benefit offerings during open enrollment and throughout the year.
Here, you can find plan information, enrollment details, and tools to help you choose the right coverage for you and your family.
Plan Year
September 1, 2026 - August 31, 2027
What is Open Enrollment?
Open Enrollment is the one time of year that you are able to enroll in or modify your employee benefits for the upcoming plan year. Elections you make at this time will remain in effect until the next Open Enrollment period, unless you have a Qualifying Life Event that allows for a plan change.
What is a Qualifying Life Event?
A Qualifying Life Event (such as marriage, divorce, birth/adoption of a child, or loss of eligibility under another plan) allows you to make plan changes outside of Open Enrollment. If you experience this type of event during the year, you may modify your benefits within 30 days by notifying HR as soon as possible. Learn more.
Who is eligible for benefits?
Full-time employees, your spouse, and your legal dependents 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 your date of hire.
How to Enroll
To complete your enrollment, please complete the enrollment form below and return to your HR department.
Your Benefit Options
Medical | Cigna
Dental | Mutual of Omaha
Vision | Mutual of Omaha
HRA
Life and AD&D | Mutual of Omaha
Short-Term Disability | Mutual of Omaha
Long-Term Disability | Mutual of Omaha
Employee Contribution Rates
Pre-Tax Contributions
You share in the cost of your Medical, Dental, and Vision benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as outlined below.
After-Tax Contributions
If you choose to purchase Voluntary Life and AD&D coverage for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis.
Medical
Dental
Vision
Understanding Your Benefits
Covered Health Service: A service could be an office visit, test, prescription, or another medical treatment your health insurance covers. Before seeking care, check to make sure the service is covered.
Claim: The request for payment that's sent to your health insurance company after you receive covered care.
Copay: A fixed fee that you must pay for a covered service as outlined in your plan design, usually at the time you receive the service.
Plan Allowance: The set amount your plan will pay for a health service, even if your provider bills for more.
Deductible: The set amount you pay for a covered health service before your plan will begin to pay. Will be outlined within your plan design.
Coinsurance: The percentage of the cost of your covered health care services, that you must pay after you've met your deductible.
Out-of-Pocket Maximum: The most you'd pay for covered care within the plan period. If you hit this amount, your plan pays 100% after it is reached.
Premium: The monthly amount paid (by your employer, a combination of employer and employee or the employee only if voluntary)
In-Network Provider: A doctor, hospital, or other provider in the plan's network. Network providers accept the plan's payment in full. You pay less when you use an in-network provider. With the exception of care for emergent and urgent conditions, if the plan does not offer out of network coverage, you must seek an in–network provider for all covered services.
Out-of-Network Provider: Provider who does not have a contract with your health insurer to provide services to you at a discount. You will generally pay more to see an out-of-network provider. If you have an EPO or HMO plan, you are not covered for out-of-network services (except for emergency and urgent care services).
Formulary: A list of medications covered by your plan sorted by tier. Lower tiers usually mean lower copays.
Medical + Rx
Plan Options
- OAP Base Plan
- OAP Buy-Up Plan
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.
Download the myCigna app
Find care, check benefits and coverage, access member ID cards, view claims, and more.
Virtual Health
Virtual care is making access to high-quality healthcare more convenient and affordable - for you and every covered member of your family. That’s why Cigna Healthcare® has partnered with MDLIVE® to offer a broad suite of convenient virtual care options - available by phone or video, and in English or Spanish.
- Primary Care | Easy, fast appointments, referrals, prescriptions, lab work and diagnostic tests
- Urgent Care | Available via E-Treatment, phone or video
- Dermatology | Fast, customized care for skin, hair, and nail conditions - no appointment required
- Behavioral Care | Talk therapy and psychiatry from the privacy of home, with no waiting rooms
Added Benefits
As part of your employer’s health plan, you get access to a variety of programs and services to help make your life easier - and healthier.
- 24/7 customer service
- Health Information Line
- Cigna Healthy Babies
- Cigna Healthcare Veteran Support Line
- Cigna Health Matters® Care Management
- Behavioral care
- Emotional well-being resources
- Protect and restore with IdentityForce®
- Cigna Healthcare Wellness Experience
Rx Information
Your Cigna Healthcare pharmacy benefits provide you with access to many programs and services that can help you manage your health and prescription medication needs.
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
Best of all, there is never a fee for our services.
Dental
Plan Details
- [Plan Name]
Did you know?
Oral health is more than just healthy teeth. Oral refers to the mouth, which includes the teeth, gums, and supporting tissues. Most oral health conditions are largely preventable and can be treated in their early stages.
Vision
Plan Details
- [Plan Name]
Did you know?
Eyes can give doctors a clear picture of overall wellness. 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 Insurance provides financial protection for your family in the event of your death, while Accidental Death and Dismemberment (AD&D) Insurance may provide additional benefits if death or certain serious injuries result from a covered accident. This coverage can help your loved ones manage expenses and maintain financial stability when they need it most.
Employer-Paid Coverage
Your employer provides a $50,000 Basic Life and AD&D benefit at no cost to you. If you choose to enroll in employee coverage, this will be in addition to your employer-provided coverage.
Voluntary Employee-Paid Coverage
You have the opportunity to enroll in voluntary Term Life and AD&D coverage, which will supplement lost income in the event of an accident or death. Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself.
Employee: $10,000 increments up to 5x your annual salary, to a maximum of $500,000 ($150,000 GI)
Spouse: $5,000 increments up to $100,000 or 50% of what you elect for yourself ($10,000 GI)
Children: $1,000 increments up to $10,000 - one premium covers all of your eligible children
Short-Term Disability
Your employer provides Short-Term Disability benefits at no cost to you. 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. Your coverage pays 60% of your income up to a specific maximum in your benefit summary.
- Benefit begins 15th day Accident/15th day Illness
- Benefit equal to 60% of pay, up to $1,500 weekly – the benefit is taxable income
- Pre-existing condition limitations apply for the first 12 months
Long-Term Disability
Your employer provides Long-Term Disability benefits at no cost to you. Long-Term Disability (LTD) insurance replaces a portion of your income if a serious illness or injury prevents you from working for an extended period, offering financial security beyond short-term coverage. It provides funds for living expenses while you're unable to work, covering conditions like cancer, chronic pain, mental disorders, or severe injuries.
- Benefit begins after a 90-day elimination period if remain disabled
- Benefit equal to 60% of pay, up to $10,000 monthly - the benefit is taxable income
- Pre-existing condition limitations apply for the first 12 months
Contacts
You have dedicated agents to support you throughout the year. Contact us for help with:
- Understanding and making the most of your benefits
- Questions about eligibility or enrollment
- Resolving claims or billing issues
Clunk Hoose
Peg Martin
pmartin@clunkhoose.com
(330) 474-5794
NFP Account Team
Erica Jones
Account Manager
erica.jones@nfp.com
724-940-9466