Administered through UnitedHealthcare

Creative Solutions in Healthcare’s medical coverage provides you and your family with the protection you need for everyday health issues or unexpected medical expenses. 

• Deductibles — the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay a portion of the costs.
• Copays — a fixed amount you pay for a health care service. Copays do not count toward your annual deductible but do count toward your annual out-of-pocket maximum.
• Coinsurances — Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan pays 80% of the cost until you reach your annual out-of-pocket maximum.
• Out-of-pocket maximums — the most you will pay each year for eligible in- or out-of-network services, including prescriptions. After you reach your out-of-pocket maximum, the plan pays the full cost of eligible health care services for the rest of the year.
• Prescription programs — For the Navigate HMO 5000 (EIWR) plan, once you’ve met the overall deductible, you are responsible for the applicable copays until the overall out-of-pocket maximum has been met. For the Nexus PPO 3000 (EIWR) plan, you are responsible for the applicable copays until the overall out-of-pocket maximum has been met.

Consider This Before You Enroll:

1. Think about the per-pay-period cost and out-of-pocket expenses you will incur and your possible future medical expenses. The option that has the highest per-pay-period cost typically pays more, which results in lower deductibles, coinsurance, and/or copays when you need care.
2. Ensure your doctors are in the plan’s network by visiting www.myuhc.com and selecting the NexusACO OAP network for the Nexus PPO 3000 (EIJ4J) Plan and the Navigate HMO Network for the Navigate HMO HDHP 5000 (EIWR) Plan. Out-of-network providers' services may not be covered, or they may be more expensive. The Tier 1 blue dot indicates providers with high-quality, cost-efficient care. Seek out a Tier 1 provider, and you may be surprised by how much you can save.
3. Consider the cost of services and prescription drugs you expect to receive during the year.
4. Evaluate how your out-of-pocket expenses may fluctuate and consider adding accident, critical illness and/or hospital indemnity insurance to help offset your out-of-pocket medical costs.

How to Find a Provider

1. Go to uhc.com/providersearch.

2. Select the Medical Directory tile, followed by the Employer and Individual Plans tile. If you’re asked, “Are you a current UnitedHealthcare member or are you shopping for a health plan?” choose the Shopping Around tile.

3. Next, scroll down the list and select  Navigate HMO/Navigate Balanced HMO/Navigate Plus HMO.

Administered by Mutual of Omaha

Taking care of your oral health is not a luxury; it is necessary for optimal long-term health. With a focus on prevention, early diagnosis and treatment, dental coverage can greatly reduce the cost of restorative and emergency procedures. Preventive services at in-network providers are generally covered at no cost to you and include routine exams and cleanings. You pay a small deductible and coinsurance for basic and major services.

You may enroll yourself and your eligible dependents — or you may waive dental coverage. You do not have to be enrolled in medical coverage to elect a dental plan.

To find a participating dental provider using the Mutually Preferred network, visit www.mutualofomaha.com/dental and click on Find a Dentist. 

Consider This Before You Enroll:

1. Most in-network preventive cleanings and exams are covered at 100%.
2. You may receive dental care in- or out-of-network. However, when you go out of network, the provider can charge more and the plan will only reimburse up to the reasonable and customary rates.

Administered by Mutual of Omaha

Healthy eyes and clear vision are an important part of your overall health and quality of life. You may enroll yourself and your eligible dependents — or you may waive vision coverage. You do not have to be enrolled in medical coverage to elect a vision plan.

Please refer to the official plan documents for additional information on coverage and exclusions.

Creative Solutions in Healthcare offers vision coverage through Mutual of Omaha using the EyeMedInsight network. Go to eyedoclocator.eyemedvisioncare.com/mutual/en-us to find a vision provider. 

Administered by Allstate

Disability insurance replaces a portion of your income when you are unable to work due to a qualified illness or non-work-related injury.

Creative Solutions in Healthcare offers the opportunity to purchase Short-Term Disability (STD) through Allstate. Please refer to bswift for assistance in calculating the cost of coverage based on your age and the amount selected.

Administered by Lincoln Financial Group

Basic Life and AD&D Insurance
Basic Life insurance is provided by your employer at no cost to you. This policy is administered by Lincoln Financial and pays a lump-sum benefit to your beneficiaries to help meet expenses in the event you pass away. Accidental death and dismemberment (AD&D) insurance pays a benefit if you die or suffer certain serious injuries as a result of a covered accident. In the case of a covered accidental injury (such as loss of sight or the loss of a limb), the benefit you receive is a percentage of the total AD&D coverage you elected based on the severity of the accidental injury.

Beneficiary Information
Situations often change, resulting in the need to update beneficiary information. You should review and update this information every year, or prior to retirement. 

• Coverage Amount: $30,000
• Age Reduction Schedule: Benefits are reduced by 35% at age 70 and 50% at age 75

 

Voluntary Life Insurance and Accident & Death Insurance
Voluntary Life and AD&D insurance allows you to tailor coverage for your individual needs and provide financial protection for your beneficiaries in the event of your death or accidental serious injury. Voluntary life insurance for you and your dependents, also administered by Lincoln Financial, can help protect your family during difficult times. Note: Dependents cannot be hospitalized or confined in a treatment facility (nursing home, hospice, in-patient mental health, etc.) at the time of enrollment.

During your new hire enrollment period only, you can elect coverage without answering medical questions!

Please refer to bswift for assistance calculating the cost of coverage based on your age and the amount selected.

Administered by Lincoln Financial Group

Creative Solutions in Healthcare also provides you access to the Employee Assistance Program (EAP) at no cost. This program, available through Lincoln Financial, provides professional, confidential telephonic or face-to-face counseling services to you and your loved ones. You are eligible to receive three sessions per person, per plan year. The EAP can help you resolve personal issues and problems before they affect your health, relationships and work performance.

This program is available 24 hours a day, 365 days a year for confidential assistance and referral services with items such as:

• Managing stress
• Marital or family problems
• Anxiety and depression
• Substance abuse (alcohol and/or drugs)
• Financial issues
• Childcare issues — including identifying schools, daycare, tutors, and more
• Aging parents

It’s important to note that all EAP conversations are voluntary and strictly confidential. If you and your counselor determine that additional assistance is needed, you’ll be referred to the most appropriate and affordable resource available. Although you’re responsible for the cost of referrals, these costs are often covered under your medical plan.

How do I get started?
To get started, visit GuidanceResources.com, download the GuidanceNow mobile app, or call 888-628-4824.

• Login credentials:
  
  • Username: LFGSupport
  • Password: LFGSupport1

Help with loss. And everything that comes after.

Administered by Optum Bank

A Health Savings Account (HSA) is a personal savings account that you own and can use to pay for qualified out-of-pocket medical expenses. Your contributions to the HSA are taken out of your paycheck and are tax-free. Once you enroll in the HSA, you’ll receive a debit card to pay for qualified out-of-pocket medical expenses. Your HSA can be used to pay for your health care expenses and those of your spouse and dependents, even if they are not covered by the High Deductible Health Plan (HDHP).

Administered by Allstate

When you suffer an accident (on and off the job), such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers and can be used at your discretion. Enroll without answering medical questions!

Plan Features: 

• Sport Package: Allstate will increase your benefit by 25% for injuries resulting from participating in organized sports. 

Administered by Allstate

Critical Illness Insurance provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. And every year that you complete a qualified health screening, you are eligible for a $100 Wellness Benefit.  These benefits are paid on top of what your health insurance covers and can be used at your discretion.

During this enrollment period only, you can elect coverage without answering medical questions!

Benefit Amounts

• Employee: $10,000 increments up to $40,000
• Spouses: $10,000 increments up to $40,000, not to exceed 100% of Employee coverage
• Child(ren): $5,000 increments up to $20,000, not to exceed 50% of Employee coverage

Speak with a benefit counselor or log in to the bswift portal for a full list of covered illnesses and the cost of coverage.

Administered by Allstate

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. Enroll without answering medical questions!

Speak with a benefit counselor or log in to the bswift portal for a full list of covered illnesses and cost of coverage.

Administered by Allstate

Life Insurance with Long-Term Care Coverage protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. After your coverage has been in force for two years, you can receive a portion of your death benefit if you are diagnosed as terminally ill.

During this enrollment period only, you can elect coverage without answering medical questions!

Speak with a benefit counselor or log in to the bswift portal for a full list of covered illnesses and the cost of coverage.

Travel Assistance Program
Administered by Lincoln Financial

If you’re looking for peace of mind while traveling, consider the travel assistance program. It offers toll-free emergency assistance to you, your spouse and your dependents 24 hours a day, seven days a week when you’re traveling 100 miles or more from your primary home for 90 days or less.

For more information about this benefit, provided by Lincoln Financial, visit www.Lincoln4Benefits.com.

Employee Perks and Discount Program
Administered by BenefitHub

BenefitHub is an all-in-one portal for employer-sponsored perk programs and discount marketplace. You can find thousands of amazing deals from over 300,000 vendors on all the brands you love for all kinds of items, including but not limited to:

• Health and wellbeing
• Discounts at restaurants, on flights, and hotels
• Cash back on purchases

Visit csnhcperks.benefithub.com and use referral code 2PPJUD to access your portal!

Administered by The Standard

What does retirement look like for you? Whatever your vision for retirement is, it’s important to plan ahead so you have the income you’ll need in the future.

One of the best ways to ensure a secure retirement is to start saving as early as possible. Our 401(k) savings plan, through The Standard, allows you to save for retirement on a pretax or post-tax basis. You can begin contributing to the plan through payroll deductions as soon as you become eligible.

Employees 21 and older are eligible to contribute to the Creative Solutions in Healthcare 401(k) plan once they work 500 hours or three months.

Increase Your Retirement Savings with a 401(k)

• Once an employee has worked 500 hours or three months, Creative Solutions in Healthcare with make quarterly matching contributions for each dollar you contribute to the plan, up to the first 1% of your gross annual salary.
• You can contribute using convenient payroll deductions up to the 2026 IRS limit of  $24,500 per year.
• You can change the amount of your contributions or stop your payroll contributions at any time.
• You can decide how to invest your 401(k) or allow the plan to choose for you.
• Are you age 50 or older? You can make an additional “catch-up” contribution of up to $11,250 for 2026 to save even more.

Visit www.standard.com for more information about your account, financial planning, and investments. Contact Human Resources for more information about enrollment and eligibility requirements.

Click HERE for important contacts