2-10 Home Buyers Warranty Benefits

Open Enrollment will be held from November 28 - December 12, 2023 for benefits effective January 1, 2024. This is the period each year when you can make changes to your current benefit elections.

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If you are an employee in Resale or New Home Operations your benefits meeting has already been scheduled for you.
If you need to reschedule your appointment time, please contact your manager and/or Work Force Management for assistance.

Active Enrollment ▼

This is an active enrollment, which means that you must take action during this open enrollment period in order to have coverage in 2024.

Enrollment Process ▼

Each benefit-eligible employee will speak with a benefit counselor over-the-phone for an individual enrollment meeting. This meeting is your opportunity to enroll yourself and your dependent(s) in your selected benefits for 2024.

Schedule your appointment now to secure your preferred date and time!

If you are an employee in Resale or New Home Operations your benefits meeting has already been scheduled for you. If you need to reschedule your appointment time, please contact your manager and/or Work Force Management for assistance.

New Medical Plan Option ▼

We will be replacing the Choice and Choice Plus plans with Surest!

The Surest plan utilizing the Choice Plus network, which is United Healthcare’s largest national network. With Surest, you have zero deductibles and zero coinsurance. All services will be subject to a copay. The copay is based on the provider and facility you utilize. You can identify the lower copay providers easily with Surest’s innovative App.

With Surest, you’ll always know prior to a service what your financial responsibility is! Most employees will pay significantly less toward covered medical care then under your prior plan.

The existing HDHP and CDP plan will remain the same.

Enrollment Process

To ensure you understand the benefit options, we are working with EOI Service Company, LLC., a professional enrollment firm with over 40 years in the benefits and communications industry. All benefit-eligible employees will speak with a benefit counselor over-the-phone to complete the enrollment process.

During your confidential phone appointment with a benefit counselor, you will:

Complete your enrollment in benefits that best fit your needs
Review your benefit options
Get answers to your questions

Medical ▼

Administered by United Healthcare (UHC)

2-10 Home Buyer's Warranty offers three medical plans:

HDHP Choice Plus
Surest Plan - New!
CDP Plan (Colorado residents only)

To search for in-network providers, log on to www.myuhc.com. When prompted to pick a plan, click on the appropriate network (Choice, Choice Plus, or Colorado Doctors Plan).

UHC medical plans provide coverage for virtual visits and prescription drug.

Surest Announcement
Surest Common Questions

Health Savings Account (HSA) ▼

Administered by Optum Bank

A Health Savings Account, commonly known as “HSA,” is an individual account you can open, add money to and spend on eligible health care expenses.

The HSA is Unique Because:

Money used for eligible expenses is not taxed.
Investment earnings are not taxed.
Money spent on eligible expenses is not taxed.
The money rolls over year to year.
You own the account and you control how the money is spent.

Eligible Expenses:
HSA money can be used tax-free for any eligible health care expenses. In general, eligible health care expenses are those that qualify toward the deductibles, copays, and coinsurance with your health insurance.

The money in your HSA must be used for eligible medical, dental, vision, and prescription drug expenses. If you use money for a dental, vision or medical expense that is not covered by the medical plan, it is important to understand that your medical plan deductible will still need to be met if an expense is incurred.

For a complete list of IRS approved Qualified Medical Expenses, visit www.irs.gov.

2024 Annual HSA contributions Limits:
(Add an extra $1,000 if you are age 55 or older)

Single: $4,150
Single+1/Family: $8,300

The Health Savings Account (HSA) is only available in combination with enrollment in an HDHP plan. If you choose to elect HDHP coverage and open an HSA, 2-10 Home Buyers Warranty will contribute $75 per month to your HSA account.

Dental ▼

Administered by United Healthcare (UHC)

2-10 Home Buyer's Warranty offers two dental plans:

UHC DPPO
UHC Value Plan

Both plans feature coverage for dental cleanings, x-rays, and fluoride treatments, as well as fillings, crowns, bridges, and more. If you elect the UHC DPPO plan, you are free to choose an out-of-network dentist but will receive significant discounts with an in-network dentist.

To search for in-network providers, log on to www.myuhc.com. Locate a UHC DPPO provider within the National Options PPO 30 Network. Locate a UHC Value Plan provider within the National Options PPO 15 Network.

Disability ▼

Administered by The Hartford

Long-Term Disability (LTD) provides a monthly benefit in the event that you become disabled and are unable to work. Long-Term Disability provides replacement income to give you financial security. This benefit is provided by 2-10 Home Buyers Warranty at no cost to you.

This coverage pays you a benefit of up to 60% of your monthly earnings, not to exceed $5,000 per month. The plan begins paying these benefits after you have been unable to work for 90 consecutive days.

Voluntary Short-Term Disability (STD) provides a weekly benefit for expenses incurred if you cannot work several weeks due to an illness or injury unrelated to work.

This coverage pays you a benefit of up to 60% of your weekly earnings. The plan begins paying these benefits on the 15th day after the accident or illness and will pay you a weekly benefit for up to 11 weeks.

Life and AD&D ▼

Administered by the Hartford

Basic Life and AD&D Basic Life/AD&D plan is a 100% employer-paid benefit that provides your family with financial protection in the event of your death or the death of a covered dependent. The Accidental Death & Dismemberment (AD&D) plan protects you and your family in the event of your death or injury due to a covered accident in addition to the benefit provided by your Basic Life coverage. 2-10 Home Buyers Warranty provides coverage of 1.5 times your annual earnings up to a maximum of $750,000.

Voluntary Life and AD&D are available in addition to your employer-provided Basic Life and AD&D. You may purchase Voluntary Life and/or AD&D insurance for your spouse and dependents only if you purchase insurance coverage for yourself. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date.

Employee Assistance Program (EAP) ▼

Administered by ComPsych

Employees and their families often face challenging daily demands, including issues at work, with family, finances and more. 2-10 Home Buyers Warranty will continue to offer an Employee Assistance Program (EAP) for you, your spouse, and your eligible dependents. With the EAP, you are provided with free, confidential counseling by experienced licensed counselors.

You can access Guidance Resources Online 24 hours a day, 7 days a week at www.guidanceresources.com. Guidance Resources provides trusted information, resources, referrals, and answers to everyday questions right at your desktop or the privacy of your own home.

Company/Organization: HLF902
Company Name: ALIBI

Accident ▼

Administered by The Hartford

Accident Insurance can help you cover the extra costs that can occur when you, your spouse or your children suffer a covered injury on or off-the-job. Enroll without answering medical questions.

Benefits are payable for such things as:

Fractures and dislocations
Hospitalizations and doctor visits
Visits to the emergency room
Physical therapy

Plan Features:

No health questions to answer
Guaranteed renewable
Lump-sum benefit
Family coverage options

Critical Illness ▼

Administered by The Hartford

This Critical Illness policy through The Hartford provides you with a lump sum cash benefit in the event you or a covered loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. This plan also includes a $50 health screening benefit per year for each covered person that completes a qualified health screening.

Newly eligible employees can elect coverage without answering medical questions!

Employee: up to $20,000
Spouse: up to 50% of employee's coverage amount
Child(ren): up to 25% of employee's coverage amount

Hospital Indemnity ▼

Administered by The Hartford

An unexpected hospital stay can put a strain on your budget. The Hartford's Hospital Indemnity Insurance provides money you can use to help cover the costs you might not anticipate. Helping you handle expensive hospital bills lets you focus more on recovering and less on how much the next test is going to cost. Enroll without answering medical questions.

You’ll receive a lump sum payment to use as you see fit
Pays on top of what your medical insurance covers
Coverage for hospital admissions and confinement*
$50 health screening benefit per year for each covered person that completes a qualified health screening.

*Please note that you must be confined in the hospital for at least 20 hours.

Identity Theft Protection ▼

Aura members have exclusive protection services including proprietary identity monitoring with technology that scans hundreds of millions of data points a day looking for different threats that could lead to identity theft. If you do become a victim, you can have a sense of confidence that Aura will help resolve identity theft problems.

The Aura Identity Theft Protection includes the below highlights and much more:

Near real-time alerts
Credit and debit card monitoring
Bank account transaction monitoring
401K investment account monitoring
Student loan activity alerts
Address monitoring
Dark Web Monitoring

LifeTime Benefit Term with Long Term Care ▼

Administered by Chubb

LifeTime Benefit Term with Long Term Care through Chubb is available to provide you with even greater financial security. This coverage offers protection beyond your working years, potentially for your lifetime.

This coverage goes beyond typical term life insurance with features such as:

A guaranteed death benefit that will never decrease
Level premiums that will never increase
Living benefits

This coverage also offers you benefits should you need Long Term Care after becoming chronically ill and confined to a nursing or assisted living facility, or if you need to receive home health or adult day care.

Newly eligible employees, have the opportunity to elect coverage without answering medical questions! Spouses will need to answer just a few medical questions.

Employee: up to $100,000
Spouse: up to $75,000
Child(ren): up to $25,000