Frequently Asked Questions (FAQs)

Employees have a choice of medical plans with prescription drug and dental coverage. All three plans are administered by United Healthcare.

  • The High Preferred Provider Organization (PPO) has the highest employee contributions deducted from your pay, but the lowest deductible and copays.
  • The Low PPO allows you to keep more money in your paycheck with lower employee contributions. However, the deductibles and copays are higher, so you may pay more for services.
  • The High-Deductible Health Plan (HDHP) requires you to pay the full cost of services and prescriptions until you meet your deductible. After that, the plan covers 100% of eligible costs.
  • All three medical plans offer a telehealth feature, which lets you have a consultation with a qualified physician by phone or video chat from anywhere. The cost is the same as a primary care physician visit, which varies depending on the plan you choose.
  • In addition to the standard dental plan that is included with all medial options, employees can choose a buy-up dental option that covers orthodontia for dependent children up to the age of 19.

All eligible employees will receive benefit packets by mail at their home. The packets will include a quick start guide and a benefit guide. Employees will also be able to log in to UltiPro and get plan information.

Employees will see their specific plan costs during the online enrollment process, or they can contact the Benefits Center during annual enrollment.

A cost sheet is included in the benefit packet you will receive by mail.

To ensure employees get the coverage they want, we encourage everyone to take action. If they do not take action, their current coverage will roll over from the previous plan year at the new rates – other than Flexible Spending Account (FSA) and Health Savings Account (HSA) contribution elections, which don’t carry over. (Employees must actively enroll in this coverage for the 2018-2019 plan year.)

Medical and Dental ID cards are available through ABC Company’s app, which can be downloaded to your smartphone. VSP does not issue ID cards for vision coverage.

Employees will be able to elect employee only, employee and spouse, employee and child or children, or employee and family coverage.

Any funds not used by the FSA deadline are forfeited. However, our plan allows two and a half additional months after the end of the plan year to use the money.

A list of eligible expenses is available at www.irs.gov publication 502.

The only time changes are allowed outside of annual enrollment is if you have an IRS-approved qualifying event like a marriage or new baby. If you have an event (or need to know if the event allows you to make changes), you must contact the Benefits Center at 1-800-123-1234 within 30 days. If you do not report the event and provide documentation within 30 days, you will not be able to make any changes until the next open enrollment window.

No, you do not need to verify your current covered dependents’ eligibility during annual enrollment. However, you must submit documentation for any new dependents added to coverage.

You’re not required to add beneficiary information. However, please make sure your beneficiary information is up to date.

As long as you are eligible for benefits, you may enroll in the 401(k) plan at any time online or by phone. To enroll, visit www.fidelity.com or call 1-800-456-4567.