Enrollment

How To Enroll In Benefits


The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.

 

You can, however, modify your elections under certain circumstances, called "Qualifying 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 event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.

 

EMPLOYEE ELIGIBILITY

You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.

 

STEP 1

Complete an election form by 12/20/2021

 

STEP 2

If you are enrolling in Sedera:


Existing Members: This year there are no changes! It will be a very simple process. You do not need to reenroll on the Sedera portal if you want to continue your memberships as it is today. All memberships will be renewed based on Members’ current selections if they do not take any action. If you need to make a change to your current membership, you will follow the link you will receive from Sedera the first week of December.


New Sedera Members - In addition to completing the election form or Employee Navigator enrollment, new Sedera members must complete their enrollment through the Sedera portal before the 19th of the month to ensure an effective date of 1/1/2022. If you do not do this your enrollment may not be processed properly.

New Members:

Click the following link and enter the Employer code below.

https://sederamcs.org/?trackingEntity=348e2012-f531-41c2-8e8b-11bdafbc94ea

 

Employer Verification Code: 9907

 

MEDICAL OPTION 1

Option 1 - UHC (fully insured)

The UHC plans are fully insured medical plans. You have three options:

1. HSA Base Plan

2. EPO Mid Plan 

3. EPO Base Plan



Click the link below to view the UHC Presentation.

MEDICAL OPTION 2

Option 2 - Sedera (cost sharing) with MEC (Minimum Essential Coverage) and Colonial Accident

The Sedera combo plan has two parts: Sedera Cost Sharing and a Minimum Essential Coverage (MEC) plan which will cover your preventative care.


Cost Sharing Plan with Sedera


Sedera is a cost sharing community that will share the cost of the large events in life.* The Sedera plan doesn't have a network. Please reference the Sedera materials and view the video presentations below for details.


There is no ID for this plan and no network. You will present yourself as a cash payer and start a "Need" on the member portal if the total goes over your chosen IUA (Initial Unshareable Amount). See "Sedera Select + Presentation" link below.


Telemedicine is included with your Sedera membership.

  

Teladoc gives you access 24 hours, 7 days a week to a U.S. board-certified doctor through the convenience of phone, video or mobile app visits.

 

GET THE CARE YOU NEED

Teladoc doctors can treat many medical conditions, including:

• Cold & flu symptoms

• Allergies

• Pink Eye

• Respiratory infection

• Sinus problems

• Skin problems

• And more!

Teladoc.com

1-800-Teladoc (835-2362)


*Pre-existing limitations apply.


See how to enroll above. 


MEC (Minimum Essential Coverage) - Preventative Care through Apex / Pinnacle

When you enroll in Sedera you are automatically enrolled in this plan.


Your ID cards are accessed from the Health Wallet app. See flyer to the right and presentation below.

 

This plan will cover your preventative care at 100% and also provides the framework for an HSA banking account. You do need to stay in network for your preventative care. All preventative care mandated by ACA is covered. You can see a complete list here.

 

PHCS network search instructions:

 

●Go to www.multiplan.com

●Click on Find a Provider in the upper right corner

●Click on the green Select Network button & choose PHCS

●Click the green Select Network box

●Choose PHCS in the pop-up box

●Select Preventive Services Only


Colonial Accident

Life is full of challenges...

Protecting your way of life shouldn’t be one.

 

Accident insurance helps offset the unexpected medical expenses that can result from a covered accidental injury.

 

Choose options your way:

Coverage is available for your spouse and eligible dependents with most products.

Benefits are paid directly to you, unless you specify otherwise.

With most plans, you can continue coverage when you retire or change jobs, with no increase in premiums.

With most plans, you receive benefits regardless of any insurance you may have with other companies. 

 

DENTAL

Dental Select Dental Plan

Dental Select's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Dental Select Platinum Co-Insurance network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.

 

Use the link below to find an in-network provider.

Select Dental then your city or zip code.

Select "Advanced Search".

The network is "Platinum (Co-Insurance)".

Dental Select Dental Summary 1-2022

Dental Select Dental Summary 1-2022

VISION

Voluntary Vision through Dental Select


DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes


Emmer & Rye offers vision coverage through Dental Select to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in Dental Select's EyeMed Select Network. Review your coverage details in your Benefit Guide.


To find out if your provider is in-network, please visit the EyeMed Select Network below.

Vision Summary 1-2022

Vision Summary 1-2022

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How To Read An EOB (Explanation of Benefits)

How To Read An EOB (Explanation of Benefits)