How to Enroll
Action Required
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
All employees should complete an election form to confirm their benefit elections that will be effective 12-1-2021. CLICK TO DOWNLOAD THE ELECTION FORM ON THE RIGHT. Election Forms due by Wednesday, November 3rd.
STEP 2
If you are enrolling in Sedera:
Click the following link and enter the Employer code below.
https://sederamcs.org/?trackingEntity=984990a1-ac78-4074-8b8f-774b9a22f9e8
Employer Verification Code: 3923
Sedera Members - In addition to completing the election form, new Sedera members must complete their enrollment through the Sedera portal before the 19th of the month to ensure an effective date of 12/1/21. If you do not do this your enrollment may not be processed properly.
Sedera Select +
(Sedera Select + Cost Sharing will be combined with the MEC plan of your choice and the Colonial Accident Plan)
A Sharing Community
Inspired by the modern sharing economy, our model centers on Member-to-Member sharing, basically people helping people.
Sedera Medical Cost Sharing Members support one another’s financial and physical health by sharing burdensome medical expenses.
Healthcare Doesn’t Have to be Complicated
It is no secret that today’s healthcare landscape is complex and confusing.
With Medical Cost Sharing, managing medical expenses can be direct and transparent.
Watch the Sedera presentation video below to get more information.
This will be combined with your choice of the MEC options below and the Colonial Accident plan.
MEC (Minimum Essential Coverage) through Options Plus
You have two options with Options Plus. Both options will cover your preventative care 100% (in network).
Option 1: This plan will cover your preventative care at 100% and also provides the framework for an HSA banking account.
Option 2: This plan will cover your preventative care at 100% and also has copays for office visits and copays for a long list of medications.
You do need to stay in network for both of these plans. Services billed by a hospital are not covered on these plans.
All preventative care mandated by ACA is covered. You can see a complete by clicking 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
Telemedicine - You will also access telemedicine through Freshbenies through Options Plus.
Colonial Accident Plan
Life is full of challenges...
Protecting your way of life shouldn’t be one.
Accident Insuranance helps offset the unexpected medical expenses that can result fromr a covered accidental injury. See flyer attached.
Benefits are paid directly to you, unless you specify otherwise.
You can continue coverage when you retire or change jobs, with no increase in premiums.
You receive benefits regardless of any insurance you may have with other companies.
Dental
Principal's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Principal 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.
To find out if your provider is in-network, please visit the Principal website below.
Vision
Principal Vision Plan
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
Mud Bugs a Cajun Joint, LLC offers vision coverage through Principal to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the Principal Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the Principal website below.