There are two ways to elect benefits:
Open Enrollment Presentations
Administered by Hooray Health
Creative Solutions in Healthcare's Minimum Essential Coverage (MEC) plans are administered by Hooray Health. MEC plans provide you and your family protection for everyday health issues or unexpected medical expenses.
How MEC Plans Work:
Preventive / Wellness Benefits
The MEC benefits cover 100% of the cost of certain preventive health services when delivered by a doctor or provider in your plan's network.
How to Find a Provider
To see a current list of Hooray Health Network providers, visit myhoorayhealth.com/providers, visit the Hooray Health Mobile App, or call 855-479-4008.
Plan Features:
Quality, convenient care doesn’t have to break the bank! With a Hooray Health Max Plan, you and your family have access to the reliable care you need, when you need it!
*No balance bills apply for covered services with contracted Hooray Health Network Providers
Additional Videos for Member Resources:
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 a Minimum Essential Coverage (MEC) plan 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:
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 a Minimum Essential Coverage (MEC) plan to elect a vision plan.
The link below summarizes the key features of the 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.
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 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)
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.
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:
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
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.
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:
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.
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