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Eastern Shipbuilding Group Benefits Open Enrollment

Open Enrollment will be held from August 5 - 16, 2024 for benefits effective September 1, 2024. This is the period each year when you can make changes to your current benefit elections.

Schedule Your Appointment

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Enrollment Process

To ensure you understand the benefit options, we are working with EOI Service Company, a professional enrollment firm with over 45 years in the benefits and communications industry. All employees will speak with a benefit counselor to complete the enrollment process.

During your confidential appointment, the benefit counselor will:

  • Review your benefit options
  • Answer your questions
  • Enroll you and your dependent(s) in benefits that best fit your needs

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

Schedule Your Appointment

Eastern Shipbuilding Group 2024 Benefit Guide

2024 Benefit Guide ▼

Download Your 2024 Benefit Guide

Download Your 2024 Benefits Summary Flyer

Your 2024 Benefit Options

We are committed to offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below or refer to your 2024 Benefit Guide.

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Medical ▼

Administered by BCBSSC/National Alliance

You have four medical plan options to choose from:

  • Base Plan, Plan #49
  • Buy-Up Option #1, Plan #05774
  • Buy-Up Option #2, Plan #3359
  • HDHP

How to Find a Provider
Create your account at www.myhealthtoolkitfl.com, click on “Find a Provider” and enter the alpha prefix FAE. Keep a digital copy of your ID card handy.

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Prescription ▼

Administered by OptumRx

The following co-payments will be collected at the in-network pharmacy every time you receive a prescription:

  • Generic: $10
  • Preferred Brand: $30
  • Non-Preferred Brand: $60
  • Specialty: $100

GoodRx
By visiting Goodrx.com, you can compare prescription drug prices and find coupons at more than 70,000 U.S. pharmacies. Drug prices vary wildly between pharmacies, and GoodRx finds the lowest prices and discounts.

  • Collect and compare prices for every FDA-approved prescription drug.
  • Find free coupons to use at the pharmacy
  • Show the lowest price at each pharmacy near you

Visit www.goodrx.com/faq for more information.

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Flexible Spending Account (FSA) ▼

Administered by Lively with Choice Financial Bank

Flexible Spending Accounts (FSA) provide you with an important tax advantage that can help you pay for health care and dependent care expenses on a pre-tax basis. By estimating your family’s health care costs for the next year, you can lower your taxable income and save money.

Health Care FSA 
This program allows you to pay for certain IRS-approved medical care expenses not covered by your medical plan with pre-tax dollars. Some examples of eligible expenses include:

  • Copays and coinsurance
  • Hearing services, including hearing aids and batteries
  • Vision services, including contact lenses, contact lens solution, eye exams and eyeglasses
  • Dental services and orthodontia
  • Chiropractic services

The Health Care FSA annual contribution limit is $3,200 for 2024. Funds remaining at the end of the year, up to $640, may be rolled over for use in the next year. Claims for 2024 must be submitted by September 30, 2024.

Dependent Care FSA 
You may contribute up to $5,000 per plan year to pay for qualified eligible dependent care. If both spouses participate in an account the maximum still remains at $5,000 per plan year.

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Telemedicine ▼

Administered by Medefy

With Medefy, you have access to your benefits at your fingertips along with 24/7 access to licensed doctors online (telemedicine). This benefit is at zero cost to you as an employee if you are electing medical coverage.

Search "Medefy" in the App Store or Google Play to get started! You will need an email address, your date of birth, and last 4 digits of your SSN. Click the links below for further instructions:

Medefy Welcome Flyer

Medefy FAQ Sheet

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Dental ▼

Administered by Companion Life

Because maintaining your smile is important, we are proud to offer voluntary dental coverage through Companion Life. Eastern Shipbuilding continues to pay the full cost for employee only coverage under the Base option. Employees are responsible for respective contributions for the all other tiers (Base or Buy-Up Options). To find a provider, visit www.dentemax.com and select "Find a Dentist", then provide your zip code.

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Vision ▼

Administered by Humana

We are proud to offer voluntary vision benefits through Humana. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network provider. To find in-network providers near you, visit www.humana.com. Humana uses the Insight (EyeMed) network. Please refer to your ID card for your EyeMed Plan ID.

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Basic Life and AD&D ▼

Administered by Companion Life

The Eastern Shipbuilding Basic Life plan is a 100% employer-paid benefit that provides your family with $20,000 in the event of your death.

Be sure to identify your beneficiaries during Open Enrollment!

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Disability ▼

Administered by Companion Life

Short-Term Disability (STD) provides a weekly benefit for expenses incurred if you cannot work several weeks due to an illness or injury. Your doctor must certify that you are unable to return to work on a full-time or partial basis. Disabilities caused by an occupational injury or illness are not covered. 

This coverage pays you a benefit of up to 60% of your weekly earnings, not to exceed $1,400 per week. The plan begins paying these benefits on the first day due to an off-the-job injury and the eighth day due to a sickness and will pay you a weekly benefit for up to 26 weeks.

You contribute 100% of the cost of this coverage. Your monthly rate: $0.51/$1,000.

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 coverage pays you a benefit of up to 60% of your monthly earnings, not to exceed $6,000 per month. The plan begins paying these benefits after you have been unable to work for 180 consecutive days.

You contribute 100% of the cost of this coverage. Your monthly rate: $0.61/$100.

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Critical Illness ▼

Administered by Transamerica

This Critical Illness policy through Transamerica 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. Plus, the plan includes a $50 Health Screening Benefit for completing a covered Health Screening Test, paid once per insured, per calendar year.

During this enrollment only, newly eligible employees can elect coverage without answering medical questions!

  • Employee: up to $30,000
  • Spouse: up to 50% of employee's benefit amount
  • Child(ren): up to 50% of employee's benefit amount

 

Learn More

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Universal Life with Living Benefits ▼

Administered by Transamerica

Universal Life Insurance with Living Benefits through Transamerica provides lifelong protection with flexible premiums. This plan 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. This coverage also offers you living 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.

The unique feature of Universal Life Insurance is that you build cash value with a guaranteed tax-deferred interest rate of 3% which may allow your premiums to remain level throughout the life of the contract.

During this open enrollment period only, newly eligible employees have the opportunity to elect coverage without answering medical questions.

  • Employee: $100,000
  • Spouse: $15,000
  • Child(ren): $25,000

 

Learn More

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Hospital Indemnity ▼

Administered by Transamerica

An unexpected hospital stay can put a strain on your budget. Transamerica'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. Plus, the plan includes a $100 Wellness Indemnity Benefit for completing a covered Health Screening Test, paid once per calendar year. 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

 

Learn More

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Cancer ▼

Administered by Transamerica

Cancer Insurance provides meaningful direct and indirect medical benefits to you to help pay the costs of cancer treatment. The plan also includes coverage for specified illnesses and diseases such as cerebral palsy, cystic fibrosis, tetanus, and more. Plus benefits are paid in addition to any other insurance you may have. Enroll without answering medical questions!

This plan also includes a cancer screening wellness rider that pays $100 per calendar year to you and your covered dependent(s) when you complete a qualified cancer screening.

 

Learn More

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Carrier Contact ▼

Medical - BCBSFL

Prescription - OptumRx

Telemedicine - Medefy

Dental - Companion Life

Vision - Humana

Disability, Life and AD&D - Companion Life

Accident, Critical Illness, Hospital Indemnity, Universal Life with Living Benefits, Cancer - Transamerica

Don't Miss Out!

This annual enrollment period is the only opportunity to enroll in benefits until the next open enrollment period unless you experience a qualifying life event and request a change to your benefits within 30 days of the life event.