Welcome to your benefits package!
This Digital Benefits Guide contains detailed summaries of the benefits offered to you. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family. Whether you are a newly hired employee or a current employee enrolling during Open Enrollment, elections you make at this time will remain in effect until the next Open Enrollment period, unless you have a mid-year election change event that allows a plan change.
Open Enrollment
November 17 - November 24
This Digital Benefits Guide contains detailed summaries of the medical benefits offered to you. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family. Whether you are a newly hired employee or a current employee enrolling during Open Enrollment, elections you make at this time will remain in effect until the next Open Enrollment period, unless you have a mid-year election change event that allows a plan change.
Watch to learn more about your benefits!
You can enroll only at certain times throughout the year.
- As an employee, you can enroll during the annual open enrollment period.
- If you are a new hire, your employer determines the waiting period for benefits to become effective. Upon eligibility, you will have 30 days to enroll or waive coverage.
- Employees enrolling due to a midyear election change must enroll or waive coverage within 30 days from the date of the midyear election change.
When Can I Enroll?
How do I Make Changes?
Open Enrollment is the one time each year that employees can make changes to their benefit elections without a midyear election change event.
- You will need to notify your benefits team right away if you have a midyear election change and need to make a change to your benefit elections (you only have 30 days from the day of a midyear election change to make any changes).
- Qualified changes in status include, for example: marriage, divorce, legal separation, spouse's change of employment status, birth or adoption of a child.
When can I enroll?
You can enroll only at certain times throughout the year.
- As an employee, you can enroll during the annual open enrollment period.
- If you are a newly hired employee, you must enroll or waive coverage within 30 days from your date of hire.
- Employees enrolling due to a midyear election change must enroll or waive coverage within 30 days from the date of the midyear election change.
How do I make changes?
Open Enrollment is the one time each year that employees can make changes to their benefit elections without a midyear election change event.
- You will need to notify your benefits team right away if you have a midyear election change and need to make a change to your benefit elections (you only have 30 days from the day of a midyear election change to make any changes).
- Qualified changes in status include, for example: marriage, divorce, legal separation, spouse's change of employment status, birth or adoption of a child.
Resources
This Digital Benefits Guide is your go-to resource for benefits information, designed to help you make an informed decision about your elections. To view carrier contact information, benefit summaries, required notices, glossary, and more, visit the Resources page.
Learn more about
Qualifying Life Events
Benefits Concierge and Claims Advocacy
Benefits Concierge
A one-stop contact center for answering your employees benefit plan questions. Benefits Concierge representatives can assist with:
- Help making open enrollment decisions
- Benefits questions
- ID card issues
- Provider network questions
Phone: 877-835-1361
E-mail: dbbenadmin@nfp.com
Business hours: 9:00 am - 6:00 pm (ET).
Claims Advocacy
A one-stop contact center for resolving benefit claim issues. Dedicated Claim Advocates can assist with:
- Claims questions
- Review of explanations of benefits
- Questions regarding bills or claims resolution
- Prescription issues
- Appeals
E-mail: csclaims@nfp.com
Questions?
We understand that you may have questions about enrollment or benefits throughout the year. Let our Benefits Team help! We provide year-round support for questions about your benefits. If you have questions or would like help understanding or accessing your benefits, contact your benefits team.
This Digital Benefits Guide is intended to highlight available benefits and should be relied upon to fully determine coverage. The benefits plan may not cover all health care expenses. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon request. If this Digital Benefits Guide conflicts in any way with the policy issued by the employer, the policy shall prevail.