As a new employee, you are eligible to enroll in benefits for 2023 - 2024 and will have access to several exciting benefit plans during your enrollment period. You have 30 days from your hire date to enroll in benefits. Medical coverage is effective on your date of hire. Dental, vision, and all other coverages are effective on the first of the month after your date of hire.
How to Enroll
There are two ways to elect or waive benefits:
With the Support of a Benefit Counselor
Enroll Online
Administered by Blue Cross Blue Shield
Illuminate HC offers four medical plans through Blue Cross Blue Shield. The PPO plans offer the flexibility to see any doctor you wish; however, you will pay less out-of-pocket when you see an in-network provider.
You have your choice of the following plans:
If you are enrolled in a BCBS medical plan, you will receive a new medical ID card with the new pharmacy information. Your new ID card will be mailed to the home address on file.
To view your information online, visit mesa.leadingedgeadmin.com.
With in-depth knowledge of our health plan and your individual healthcare needs, NaVcare navigators help ensure you receive the right care in the right place from the right providers. Care navigators work one on one with you to provide personalized, concierge-level guidance through each step of your patient journey, making it easier to follow your path to better health.
Available at no additional cost to you, this program matches you with a dedicated NaVcare navigator who coordinates care with your providers and case manager to help guide you through treatment and recovery. For comprehensive care with one point of contact who always keeps the patient at the center of care, contact a NaVcare navigator today.
Benefits of NaVcare Services:
To begin using NaVcare services, call (877) 208-5952.
NaVcare Concierge Services:
Administered by Guardian
Through Guardian, you’ll have access to one of the largest networks of dentists with two reimbursement levels that give you more control over savings. You will always save money with any dentist in Guardian’s network and when they belong to a tier in the Tier 1 reimbursement level you will maximize your savings.
Regular visits to the dentist can help prevent and detect the early signs of serious diseases. That’s why Guardian’s Maximum Rollover Oral Health Rewards Program encourages and rewards members who visit the dentist, by rolling over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan’s annual maximum is reached.
Administered by Guardian
Insurance for vision helps protect the health of your eyes. How? Vision insurance plans cover routine eye examinations and help pay for glasses, frames, and contact lenses. Even if your eyes don't need correction, modern life – and digital screens – can create stress and problems for your eyes. Regular eye examinations are also important for general health because they can detect diseases like glaucoma and diabetes.1 That's why everyone in the family needs it.
A health care Flexible Spending Account (HCFSA) allows you to use pre-tax dollars to pay for eligible out-of pocket health care expenses, saving you up to 35% in taxes.
Waiting Period: 1 Year: Eligible to enroll in the first open enrollment after one year of employment
Tax-free: You can save up to 35% on eligible health care costs.
Convenient: Make payments with your HCFSA debit card (if offered with your plan), mobile app, online bill pay, and online claims submission.
Qualifying Expenses:
Benefits of your DCFSA
Only dependent care expenses that allow you to work are eligible for reimbursement from your DCFSA. Your DCFSA has a “use it or lose it” rule meaning that IRS required you to forfeit any unspent funds at the end of the plan year.
Health savings accounts (HSAs) are a great way to save money and budget for qualified medical expenses. HSAs are tax-advantaged savings accounts that accompany high-deductible health plans (HDHPs). HDHPs offer lower monthly premiums in exchange for a higher deductible (the amount you pay before insurance kicks in).
HSA Advantage Direct
Account Opening
Opening a Health Savings Account (HSA) is a very important step for individuals enrolling in a qualified High Deductible Plan. Opening your HSA permits contributions to post to your account and funds to be available. Most importantly, account opening provides for the establishment of your HSA, which in turn, allows for tax free use of these funds for qualified medical expenses.
Qualified expenses for your HSA
Use your BenefitWallet Health Savings Account (HSA) to pay for a broad range of expenses for you, your spouse, and your tax dependents—even if they aren’t covered by your health plan. When you spend your HSA funds on qualified expenses, you can save up to 35% on your health care costs.
Such as:
Administered by Guardian
Basic Life and AD&D Insurance
Life insurance can help provide for you and your loved one if something were to happen to you. If you have people who depend on you for financial support, it’s important to make an educated decision about life insurance options.
Life insurance is about more than just covering expenses. Depending on your circumstances, it could take your family years to recover from the loss of your income. With a life insurance benefit, your family will have extra money to cover mortgage and rent payments, legal or medical fees, childcare, tuition, and any outstanding debts.
Administered by Chubb
Life Insurance with Long Term Care Enrollment through Chubb includes living benefits that provide financial support to cover the cost of long-term care such as nursing home care or assisted living facilities that you might need as a result of an accident, illness, or aging. Like life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses. During your new hire enrollment period only, you can elect coverage without answering medical questions!
Administered by Guardian
Disability insurance is coverage that provides you with income protection should you lose time on the job due to an injury or illness. With disability coverage, you receive a partial replacement of lost income.
Short Term Disability
Long Term Disability
Administered by Aetna
Accidents can happen anytime, anywhere. In your lifetime, which of these accidental injuries have happened to you or someone you know?
Accident Insurance from Aetna an help protect you, your spouse or your children from the unexpected expense of an accident. Elect coverage without answering medical questions!
Features:
Administered by Aetna
Critical Illness Insurance from Aetna protects your family and your assets. No one saves to get sick, which is why being diagnosed with a covered condition can be especially draining, both emotionally and financially. The policy provides you with a lump sum cash benefit in the event you or an insured loved one is diagnosed with a covered condition such as cancer, heart attack or stroke.
It can help provide financial protection so you can focus on getting better. The policy also includes a $75 annual health screening benefit when you complete a qualified screening. During your new hire enrollment period only, you can elect coverage without answering medical questions!
Administered by Aetna
You have the option to enhance your medical plan with additional hospital benefits through Aetna. The plan is designed to provide financial protection by paying you a benefit for hospital admission, hospital confinement, and inpatient rehabilitation.
You can use this benefit to pay for out-of-pocket expenses and extra bills that can occur as a result of a hospitalization due to illness or injury. Elect coverage without answering medical questions!
Administered by Guardian
Guardian’s Employee Assistance Program gives you and your family members access to confidential personal support, across everything from stress management and nutrition to handling legal or financial issues. The services available include consultations with experienced professionals, as well as access to resources and discounts designed to help you in a variety of different ways.
Administered by Chubb
CAP is a personal, precise, and proactive way for you to manage your health. CAP combines Financial Protection and Cancer Care, including Genetic Cancer Screening, to help you determine your risk for cancer and Pharmacogenomic Testing to determine your best treatment based on your own DNA.
In addition to testing and treatment, CAP provides a dedicated Oncology Nurse Advocate to coordinate Clinical Trial Enrollment, Expert Medical Review, and so much more including financial protection, proactive cancer screening, cancer management, education & empowerment, and cancer recovery.
