Health Insurance Information
Plan year January 1 – December 31, 2024
MEDICAL PLANS
Both plans are ACA compliant and offered through the PPO Network Service – PHCS. To check to see if your medical provider participates in the network visit PHCS. Click the green button to ‘Select Network’ and select PHCS from the list. From there select the option below that applies to the plan you are interested in.
- MEC Basic – Select Preventative Services Only
- MEC Advantage – Select Specific Services
DENTAL PLAN
This plan is offered through Beam and includes benefits for preventative/diagnostic, as well as basic and major services including fillings, bridges/denture, extractions, endodontics, implants, etc.
VISION PLAN
This plan is part of the VSP Choice Network with 31,000 providers. Coverage includes benefits for exams, lenses, frames, and contacts.
What you need to do:
Review the enrollment guides – Medical and Dental & Vision for plan details and pricing. Determine if you will enroll in benefits or not. You have 30 days from your start date to enroll in benefits. Once the enrollment period ends, no additional enrollment will be accepted without a documented qualifying life event or until the next open enrollment.
To Enroll in Coverage:
For medical coverage you will need to complete the waiver form indicating you would like to enroll in coverage.
Go to https://workforcenow.adp.com, click on Myself -> Benefits -> Enrollments and select which plans you would like to enroll in (medical/dental/vision). Within a day or so of your enrollment you will receive a confirmation email from our payroll department outlining the plans you have elected. Please review this email carefully to ensure you were enrolled correctly.
To Waive Coverage:
If you choose not to participate in either of our medical plans (MEC Basic or MEC Advantage), complete the Waiver of Health Coverage form. This form is only for medical insurance.
There is no action to take if you do not wish to enroll in the dental or vision plans.
**Should you decide to waive coverage you will need to wait until next year’s open enrollment or have a qualifying life event to enroll in any plan. If you have a qualifying life event, you have 30 days from said event to submit the enrollment/change form and documentation.
Coverage/Payment information
- Coverage period: Monthly, running from the first to the last of the month. Coverage will begin on the first of the month following 60 days of employment, unless completed during open enrollment when coverage will begin on 1/1.
- Pre–Tax Deduction: All plans are being offered pre-tax, allowing you to pay your premiums with before-tax money. This results in a reduction of your taxable wages. Because plans are pre-tax, employees can only withdraw if there is a qualifying life event or during the next open annual open enrollment.