Before Enrollment: EOI Benefits Counselors
Understanding your benefits is easier when you have support. Before enrolling, you can meet one-on-one with a benefit counselor from EOI to review your options and get personalized guidance to help you make confident choices.
To ensure you understand your benefit options, each benefit eligible team member is strongly encouraged to speak with a benefit counselor to complete the enrollment process. Note: Team Members must enroll through ADP workforce now.
How EOI Benefits Counselors can help you:
After Enrollment: HUB Benefits Advocate
The HUB Benefits Advocate Team (BAT) is here to answer your questions and help make your employee benefits easier to use.
Within 24 hours of your initial call, a Dedicated Benefits Advocate will update you on any further actions including the time frame for resolution.
Below are some of the questions your Dedicated Benefits Advocate can answer:
Contact:
Mercedes Malcolm
Director, Benefit Advocates
Office: 407.551.1066
Email: Mercedes.Malcolm@hubinternational.com
Click here to download your 2026 benefit guide!
Copayment
Oftentimes referred to as a “copay,” this is the amount you are responsible for paying when seeing a doctor, picking up a prescription, or visiting an urgent care facility or emergency room.
Deductible
The amount you must pay for eligible expenses before the plan begins to pay benefits. A deductible may be per service, per visit, per supply or per coverage year. For example, if your individual deductible is $1,500, your plan will not pay anything for certain medical services until you have paid $1,500. The deductible may not apply to all services, such as services that are covered by a copay.
Coinsurance
Your share of the costs of a covered medical service calculated as a percent of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. Consider an example in which the medical plan’s allowed amount for a medical service is $100 and you’ve met your deductible. If your plan pays 70%, then you are responsible for the remaining 30%, which is $30.
Explanation of benefits
Every time you use your health insurance, your health plan sends you a record called an “explanation of benefits” (EOB) or “member health statement” that explains how much you may owe. The EOB also shows the total cost of care, how much your plan paid, and the amount an in-network doctor or other health care professional is allowed to charge a plan member (called the “allowed amount”). An EOB is generated for every single health claim, including prescriptions. It is not a bill, but rather a tool members can use to make sure they’re not paying more than their insurer expects them to for services rendered.
Medically necessary
Medical services or supplies needed to prevent, diagnose or treat an illness, injury, condition, disease or its symptoms, and that meet accepted standards of medicine.
Preauthorization
A medically necessary determination by a health insurance carrier for a medical service, treatment plan, prescription drug, medical or prosthetic device or certain types of durable medical equipment. Sometimes called preauthorization, prior authorization or prior approval, many plans require preauthorization for certain services before you can receive them, except in cases of emergency. Preauthorization isn’t a promise your medical plan will cover the cost.
Primary care physician (PCP)
A physician who directly provides or coordinates a wide range of medical services for a patient. Primary care physicians include medical doctors, doctors of osteopathic medicine, internists, family practitioners, general practitioners, OB/GYNs and pediatricians. The opposite of a specialist.
In-network provider
The facilities, providers and suppliers our health insurance carrier has contracted with to provide medical services. Your out-of-pocket expenses will be lower, and you will not be responsible for filing claims if you visit a participating in-network provider.
Out-of-network provider
A provider who doesn’t have a contract with your health insurer or plan to provide services to you. You’ll pay more to see an out-of-network provider.
Benefits are more important than ever and we encourage you to spend extra time evaluating your benefit options. As such, we have partnered with EOI Service Company so you can enroll with the guidance of a professional benefit counselor.
It is essential you speak with a benefit counselor to learn more about your benefit options. During your confidential appointment, the benefit counselor will:
Speak with your manager to find out if new hire meetings are happening at your location!
You also have the option to meet with a benefit counselor for a confidential one-on-one appointment over-the phone.
We are pleased to offer a comprehensive benefits program, that offers you choice and flexibility, so you can take charge of your physical, financial, and emotional well-being. 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.
We are proud to offer you a choice of medical plans that provide comprehensive medical and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle. Following is a brief description of each plan.
HDHP
The High-Deductible Health Plan (HDHP) is an insurance plan that typically offers lower premiums and higher deductibles. This means individuals with HDHPs normally pay a lower amount each month but pay more on their yearly medical expenses before their insurance policy begins paying. You can visit any doctor, hospital or other health care provider you want, with greater cost savings in-network.
How You Pay for Services
Click here to read the HDHP Plan Summary!
SUREST
UnitedHealthcare’s Surest plan offers a transparent, no-deductible approach to health insurance. Unlike traditional insurance plans with a deductible, Surest plans focus on upfront pricing, meaning members know the costs of services before they receive care. Each service, from office visits to surgeries, has a range of set copays and allows members to compare costs across different providers and facilities. The copay for a specific service varies by the provider or facility selected, with lower copays associated with provider who deliver higher quality healthcare outcomes.
Surest uses the same provider network (Choice Plus) as the UnitedHealthcare HDHP and PPO plans. In general, you will pay less for in-network services than you would were you to seek care outside the network.
How You Pay for Services
Click here to read the Surest Plan Summary!
PPO
The Preferred Provider Organization (PPO) plan, provided through UnitedHealthcare, gives you the freedom to seek care from any provider of your choice. However, you will maximize your benefits and lower your out-of-pocket costs if you choose a provider who participates in the network.
A PPO plan relies on a network of health care clinics, hospitals and professionals who have agreed to provide their services at discounted rates. These preferred providers are considered “in-network.” In general, you will pay less for in-network services than you would were you to seek care outside the network.
How You Pay for Services
Click here to read the PPO Plan Summary!
Learn More:
UnitedHealthcare:
Surest
The HDHP ECSA medical plan features an HSA provided through Bank of America. The HSA lets you set aside pre-tax dollars to help offset your annual deductible and pay for qualified health care expenses.
How the HSA Works
Important Notes:
Contribution Limits
| Coverage Tier | 2026 |
| Individual | $4,400 |
| Family | $8,750 |
| Catch-up Contributions | $1,000 |
Download the "MyHealth BofA" mobile app directly from, the App Store or Google Play.
The GAP plan helps lower your out-of-pocket costs by paying for eligible inpatient and outpatient medical expenses not fully covered by your medical plan. This coverage works in addition to your primary insurance and is compatible with non-HDHP plans – including the Surest E6000 and UnitedHealthcare Buy-Up options.
How It Works
When you receive care, your primary insurance pays first. The GAP plan then helps cover what’s left of your eligible out-of-pocket costs, up to the plan’s maximums.
Accessing Your Benefits
Manage your GAP plan easily through the Online Service Center (OSC): secured.ampublic.com
What’s Covered
What’s Not Covered
Tip: GAP coverage is not a replacement for medical insurance. It works with your Surest E6000 or UHC PPO plan to help lower your out-of-pocket costs.
The dental Preferred Provider Organization (PPO) plan, provided through MetLife, offers you the freedom and flexibility to use the dentist of your choice. However, you will maximize your benefits and lower your out-of-pocket costs if you choose a dentist who participates in the Preferred Dental Program (PDP) network.
For complete coverage details, please refer to the Summary Plan Description (SPD). Note: The deductibles and annual benefit maximums are per calendar year.
Learn More
Your eyesight is an integral part of your overall health and a key component of safety. This plan, provided through MetLife, gives you the freedom to seek care from the provider of your choice. However, you will maximize your benefits and lower your out-of-pocket costs if you choose a provider who participates in the VSP Choice network. If you decide to use an out-of-network provider, you will pay the provider in full at the time of your appointment and submit a claim form for reimbursement up to the amount allowed by the plan.
Special discounts are offered on non-covered services, such as an additional pair of glasses, special lens options and LASIK.
For complete coverage details, please refer to the Summary Plan Description (SPD).
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Life is full of challenges and sometimes balancing them all can be difficult. We are proud to provide a confidential program dedicated to supporting the emotional health and well-being of our team members and their families. The Employee Assistance Program (EAP) is provided at NO COST to you through SupportLinc.
EAP Benefits
The EAP can help with the following issues, among many others:
Choose How to Get Assistance
Confidentiality: SupportLinc upholds strict standards. No one, including your employer, will know you have accessed the program unless you specifically grant permission or express concern that presents us with a legal obligation to release information.
Learn More
Caring for a loved one can be one of life’s most meaningful experiences, but it can also be challenging to balance appointments, decisions, and daily life. That’s why we’re proud to offer caregiving resources to help make the journey a little easier.
These resources give you access to personalized caregiving support and easy-to-use online tools, all designed to help you stay organized and supported. Your caregiving benefit is provided at NO COST to you through Cariloop.
How Cariloop Helps: Cariloop offers two levels of support, depending on what you need:
Everyday Support & Resources
One-on-One Coaching (Care Cases)
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Basic Life and AD&D Insurance - Available at No Cost to You!
Life insurance, provided through UnitedHealthcare, provides your named beneficiaries with a benefit following your death. Accidental death and dismemberment (AD&D) insurance provides a benefit to you following a covered accident that leads to dismemberment (such as the loss of a hand, foot or eye). Should your death occur due to a covered accident, both the life benefit and the AD&D benefit are payable.
Supplemental Life and AD&D Insurance
If you determine you need more than the basic coverage, you may purchase additional insurance for yourself and your eligible family members.
Evidence of Insurability: If you choose to add or increase coverage after initial enrollment, you may need to submit an Evidence of Insurability (EOI, or “Statement of Health”) form. Please refer to the ADP document library for a copy of the EOI form.
Benefit Age Reduction: The employee and spouse life insurance benefit will reduce to 65% when the employee reaches age 65 and to 50% when the employee reaches age 70.
Note: During your initial eligibility period, you can secure supplemental life and AD&D coverage up to the Guaranteed Issue limits without the need for Evidence of Insurability. Please note that coverage amounts requiring EOI will only go into effect once the insurance carrier approves them.
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Important Information
Voluntary Short-Term Disability
Short-Term Disability provides a cash benefit when you are out of work for up to 13 weeks due to injury, illness, surgery, or recovery from childbirth.
Voluntary Long-Term Disability
Keep getting a check when you’re hurt or sick. You always have bills to pay, even when you can’t get to work due to injury, illness, or surgery. Long-term disability insurance helps you make ends meet during this difficult time.
Evidence of Insurability: If you choose to add coverage after initial enrollment, you may need to submit an Evidence of Insurability (EOI, or “Statement of Health”) form. Please refer to the ADP document library for a copy of the EOI form.
Learn More:
Important Information:
Life insurance helps protect your loved ones financially in the event of your passing. This plan combines term to age 100 life insurance with a Long-Term Care (LTC) rider, offering flexible protection and the ability to use benefits while living if long-term care is ever needed.
Term Life Plan Overview:
Required Documents
Accident insurance, provided through SunLife, can soften the financial impact of an accidental injury by paying a benefit to you to help cover the unexpected out-of-pocket costs related to treating your injuries. Some accidents, like breaking your leg, may seem straightforward: you visit the doctor, take an X-ray, put on a cast and rest up until you’re healed. But treating a broken leg can cost thousands of dollars. When your medical bill arrives, you’ll be relieved you have accident insurance on your side.
Accident insurance pays a fixed cash benefit directly to you when you have a covered accident-related injury, like a sprain or bone fracture. Examples of covered expenses include:
Sample of Accident Benefits
Children receive 50% of the employee benefit amount.
Learn More
Important Information
About half of U.S. adults report being unable to pay an unexpected medical bill of $500 without going into debt.1 With critical illness insurance provided through SunLife, you won’t have to. This benefit provides a fixed, lump-sum cash benefit directly to you when you are diagnosed with a covered health condition such as a heart attack or stroke. You can use this benefit however you like, including to help pay for:
Sample of Critical Illness Benefits
Spouse benefit cannot exceed employee’s elected benefit amount. Children receive 50% of the employee’s elected benefit amount.
1. Kaiser Family Foundation. "Americans' Challenges with Health Care Costs." Kaiser Family Foundation, kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs.
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Important Information
Cancer may not feel like a priority you need to worry about right now, but with more than two million new cases of cancer projected in 2024,1 it can (literally) pay to be prepared. The cancer indemnity plan, provided through SunLife, pays a flat dollar amount to you when a covered person is diagnosed with internal cancer. The plan also includes a cancer screening wellness benefit. Other benefits include payments made directly to you for:
Low Plan
High Plan
American Cancer Society. "Facts and Figures 2024." American Cancer Society, cancer.org/research/acs-research-news/facts-and-figures-2024.html
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Important Information
When you or a dependent need to be hospitalized, your family deserves to focus on their well-being, not the stress of a stint at the hospital, which can cost an average of $3,025 per inpatient day.1 Hospital indemnity, provided through SunLife, pays a fixed cash benefit directly to you when you experience:
Low Plan
First Day Benefits
Hospital Admission: $1,500
ICU Admission: $2,000
Confinement Benefits (Per Day)
Hospital (Up to 180 days): $350
ICU (Up to 60 days): $350
Rehab Unit (Up to 60 days): $100
Newborn Nursery (Up to 3 days): $100
Observation Unit Stay: $100 once per year
Wellness Screening Benefit: $50 once per year
High Plan
First Day Benefits
Hospital Admission: $2,500
ICU Admission: $3,000
Confinement Benefits (Per Day)
Hospital (Up to 180 days): $500
ICU (Up to 60 days): $500
Rehab Unit (Up to 60 days): $200
Newborn Nursery (Up to 3 days): $200
Observation Unit Stay: $100 once per year
Wellness Screening Benefit: $50 once per year
1. Kaiser Family Foundation. "Expenses per Inpatient Day." Kaiser Family Foundation, kff.org/health-costs/state-indicator/expenses-per-inpatient-day.
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Important Information
Your identity is made up of more than your Social Security number and credit score. It includes the trail of data you leave behind from financial transactions, as well as what you share on social media. That’s why we offer identity theft protection, provided through Norton LifeLock for you and your family members.
Learn More
Click here for important contact information.
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.