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2026-2027 Benefits

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How to Enroll in Your Benefits

Newly hired employees are eligible to enroll in benefits for the 2026-2027 plan year. New hires have 30 calendar days once they start work to enroll. Medical Benefits will go into effect on the first of the month following 58 calendar days of employment. Professional benefit counselors will be available by phone to conduct confidential one-on-one meetings with each benefit-eligible employee. During these educational sessions, the benefit counselor will:

  • Review your benefit options
  • Help you understand the choices available to you
  • Provide assistance so you can select the benefits that best meet your needs
  • Help you complete the enrollment process.

You can pre-schedule your appointment with a benefit counselor online or over the phone. Log on to judgegroup.mybenefitsappointment.com or call 866-738-0386, Monday through Friday, 8 AM – 8 PM ET.

Schedule an Appointment

Enroll Online
You can easily enroll via Workday at any time of day from your desktop or mobile device. To self-enroll, please visit wd117.myworkday.com/judge/d/home.htmld using the login information below, then go to benefits, then manage my benefits, and click on your open enrollment window. If you need assistance accessing Workday, please email help@judge.com for instructions.

Login Information

  • Log in to Workday using your username (Your Employee ID) and password. Contact IT Support if you need help resetting your password.

Helpful Resources

2026-2027 Benefit Guide ▼

Click here to review your 2026-2027 Benefit Guide!

Frequently Asked Questions ▼

  • Who can be covered by the health plans?
    • Full-time employees working an average of 30 or more hours per week
    • Spouse (including same-sex) if legally married
    • Children up to age 26
      Dependent Children are defined as dependents, stepchildren, legally adopted children, children for whom you are the legal guardian, foster children (court order), and children placed with you for adoption

  • How can I find out if my doctors are part of Independence Blue Cross?
    Use the Find a Doctor tool at ibx.com to view in-network doctors, specialists, or hospitals.
     
  • Is there a list of prescription drugs and their classification?
    View the benefits guides for a list of prescription drugs and their classifications.
    Prescription drug list | OptumRx
     
  • Are GLPs (GLP-1 medications) covered under our medical plan?
    GLP-1 medications (e.g., Ozempic, Wegovy, Mounjaro) will not be covered under the Independence Blue Cross medical plan for weight loss or cosmetic purposes, unless prescribed for a covered diagnosis such as Type 2 diabetes.

  • Are infertility services covered under the Judge plan?   
    Multiple services/procedures are covered by the Judge plan, and others are not.  Please refer to the IBX booklets and SBC’s found on your portal for additional information on coverage and cost share. 

    Covered (generally): See plan booklets and SBCs for deductible, coinsurance, and limitations
    -    Artificial Insemination, 
    -    Surgical correction
    -    Treatment and follow-up testing

    Not Covered:
    -    Assisted fertilization, cryopreservation of embryos, fertilization services, GIFT, In Vitro Fertilization, ZIFT

  • Can you elect an HSA without having any health plan?
    No. You must be enrolled in the High Deductible Health Plan to be eligible to contribute to the HSA. If you are enrolled in the PPO plan, you will not be eligible to contribute to the HSA.

  • If I currently have an HSA, but do not enroll in the High Deductible Health Plan, what happens to the HSA account?
    The HSA account is your personal account. You may continue to have the HSA account while enrolled in the PPO plan, but you cannot contribute to the HSA account. The HSA account can be used to pay for copays and other medical expenses while enrolled in the PPO plan.

  • Are unlimited telephonic sessions for mental health free under the EAP?
    Yes, the telephone sessions are free.  As part of the EAP, you can also receive 3 face-to-face visits at no cost.

  • How does the college tuition benefit work through Independence Blue Cross?
    You must call 1-888-222-0550 or enroll online at ibx.collegetuitionbenefit.com. When you sign up, you receive 2,000 points annually for being enrolled with Independence Blue Cross. One point is equal to a $1 discount off tuition at the list of schools tuitionrewards.com/colleges. Please review the details at ibx.collegetuitionbenefit.com for important dates and rules of the program.

Notices & Disclaimers ▼

Federal laws require that we provide you with certain notices that inform you about your rights regarding eligibility, enrollment and coverage of health care plans. You can request copies of these documents from Human Resources.

Your 2026-2027 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.

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Medical ▼

If you wish to drop, add, or change coverages, you must make an update during the next open enrollment period or with a qualifying event.

Independence Blue Cross is our medical provider for 2026–2027, offering two plan options. With both plans, you have the flexibility to see the provider of your choice; however, you will pay significantly less money if you choose an in-network provider or facility. To compare plans and costs, use the free comparison calculator at health-plan-compare.com by entering your plan details.


Preferred Provider Organization (PPO)
You have a great deal of flexibility and choice with a PPO and can manage your out-of-pocket costs by remaining in-network. For most doctor visits and specialist visits, you simply pay a copayment at the time of service. Preventive care services are generally covered at 100%, with no cost share to you. The annual deductible is defined by the plan year July 1, 2026 - June 30, 2027.

High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Preventive care services are covered 100% as long as your physician bills your visit as preventive. For other services, including routine office visits, procedures, lab work, prescription drugs, etc., no benefits will be paid until you have met your annual deductible. The annual deductible is defined by the plan year July 1, 2026 - June 30, 2027.

Understanding the Difference Between Embedded and Non-Embedded Deductibles When Electing Plans other than Single Coverage
Should you elect a plan with an embedded deductible, each family member’s claims contribute to meet the full family deductible amount. If a single family member meets the plan’s individual deductible amount, then that family member’s claims are covered according to that plan’s coinsurance; the other family members’ claims will continue to be applied to the family deductible amount. On a plan with a non-embedded deductible, all family members’ claims together must reach the family deductible amount before the plan’s coinsurance will start. For example, we will use employee Mike, his wife Mary, and their daughter Maggie. Mike has a lot of claims this year and Mary and Maggie have had very few. 

Embedded Deductibles
The PPO plan has embedded deductibles and out-of-pocket maximums. This means if Mike meets his $1,000 individual deductible, his services begin to pay at coinsurance, even if the total family deductible of $3,000 hasn’t been reached. Likewise, each family member has an individual out-of-pocket maximum within the $8,000 family limit.

Non-Embedded Deductibles (Aggregate)
With a non-embedded deductible, the full family deductible must be met before the plan begins paying coinsurance for any individual. This means all claims across the family combine to meet the deductible—but no one receives cost-sharing benefits until the full amount is satisfied.

The HDHP plan has a non-embedded (aggregate) deductible. The entire $4,000 family deductible must be met before coinsurance applies for any family member. So if Mike alone meets the full $4,000, or if Mike, Mary, and Maggie combine to meet it, the plan will begin paying 80% coinsurance. Once the $8,000 family out-of-pocket maximum is reached, all covered services for the family are paid in full.

Click here to learn how to get a copy of your Independence Blue Cross ID Card.

Open Enrollment Questions:
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Voluntary Short Term Disability Insurance ▼

Voluntary Short Term Disability (STD) Insurance from New York Life can protect a portion of your income if you become disabled due to an injury or illness and are unable to work. 

  • Weekly Benefit: 60% of income
  • Minimum Benefit: $25 per week
  • Maximum Benefit: $2,000 per week
  • Elimination Period: 14 days for accident and sickness
  • Max Benefit Duration: 13 weeks

Payments not to exceed 100% of pre-disability earnings.

Voluntary plans are individual policies and are not considered sponsored or endorsed plans by your employer. See a benefit counselor for your customized quote for any additional benefit programs.

800-362-4462, https://www.newyorklife.com/group-benefit-solutions/thejudgegroupconsultants
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Health Savings Account (HSA) ▼

A Health Savings Account (HSA) is a personal bank account that works with your High Deductible Health Plan (HDHP). If you’re enrolled in the HDHP Medical Plan, you can contribute pre-tax money to your HSA to help pay for medical costs like doctor visits, prescriptions, dental, and vision care—now or in the future.

The money in your HSA is yours to keep, even if you change jobs or retire. It rolls over each year and isn’t taxed when used for qualified medical expenses.

Judge will open your HSA at Health Equity if you choose to fund it. Please note: if you contribute your full annual amount early in the year but don’t stay employed with Judge all year, you may face tax penalties. Talk to a tax advisor if you have questions.

Total contributions to the plan cannot exceed the IRS maximum for 2026 of $4,400 for an employee and $8,750 for a family (2026 of $4,400 for an employee and $8,750 for a family); employees age 55 or over may contribute an additional $1,000. To be eligible for this account you must not have coverage under another medical plan. 

HSA Plan Highlights

  • The HSA is your individually-owned tax-advantaged account
  • You cannot be covered under other health insurance
  • You cannot be claimed as a dependent on someone else’s tax return
  • You may withdraw from your HSA (tax-free) to pay for qualified medical expenses

Important Note: The HSA is only available to those who participate in the HDHP Medical Plan. Judge will open the account at Health Equity on your behalf should you choose to fund your HSA. 

To view information on your HSA please log in to your personal portal at www.healthequity.com. You may also contact Health Equity at 866-346-5800.
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Long Term Disability Insurance ▼

Long-Term Disability (LTD) Insurance from New York Life is available for internal employees. The plan provides income replacement for up to 60% of your monthly pre-disability earnings, not to exceed $7,500 per month.  Pre-existing condition limitations may apply. Benefits begin after waiting periods have been met.

800-362-4462, https://www.newyorklife.com/group-benefit-solutions/thejudgegroupconsultants
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Dental ▼

To help take care of your smile, The Judge Group offers dental coverage through MetLife. This coverage is effective July 1, 2026 through June 30, 2027. The plan uses a PPO network, so you can visit any dentist—but you’ll save money by staying in-network. A negotiated fee extends to all in-network services, even to non-covered services like cosmetics and child orthodontia, and to services provided after the annual benefit maximum has been exceeded. Out-of-network fees are based on the 90th percentile of Reasonable and Customary charges. The annual plan maximum and deductible are defined by the calendar year. 

Choose from thousands of general dentists and specialists nationwide to meet your needs. Find a participating dentist at www.metlife.com/dental or call 1-800-GET-MET8 (1800-438-6388) to have a list faxed or mailed to you.

Learn More:
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Hospital Indemnity Insurance ▼

 These benefits, through New York Life, are designed to provide financial protection by paying you a benefit for hospital admission and daily benefits for inpatient stays and days in the intensive care unit (ICU). You can use this benefit to pay for out-of-pocket expenses and extra bills that can occur relating to your hospitalization. 


Plus, the plan includes an annual $50 wellness benefit once each 12-month period for each covered person when a qualifying wellness test or procedure is completed. Eligible wellness tests include annual physical exams, eye examinations, immunizations, mammograms, blood screenings, and more. Enroll without answering medical questions.

800-362-4462, https://www.newyorklife.com/group-benefit-solutions/thejudgegroupconsultants  
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Vision▼

We are proud to offer vision benefits through Davis Vision. Your coverage is effective July 1, 2026 through June 30, 2027. The plan provides reimbursement for vision-related services such as eye exams, glasses, contact lenses, and more. Although you have the option to see any provider you wish, you will receive the best benefits at lower out-of-pocket costs when you choose an in-network doctor. 

To locate a provider in your area:

  1. Visit davisvision.com and log in to your member account
  2. Click “Find an eye care Professional” from the menu within your member account
  3. Enter your ZIP code and radius (miles) or choose state, county, and city; you can also search by provider or business name
  4. Click “Search Now” to proceed
  5. Scroll to see results in a list or on a map; results can also be downloaded as a PDF file for offline viewing

Once you’ve selected an in-network provider, call them to verify provider network participation, services, and acceptance of your vision plan.

For more information on in-network providers or your benefits, call Davis Vision customer service at 1-(800) 999-5431.
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Accident Insurance ▼

Accidents can happen any time, 24 hours a day, 7 days a week, it’s important to be prepared. This policy from New York Life can help cover the out-of-pocket costs associated with an accident by paying you a benefit depending on the injuries you suffer and the treatment you receive. 

This policy pays an additional 25% on each benefit for injuries sustained by a child under age 18 in a school-sanctioned sport or a competitive sport requiring registration.

The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Plus, the plan includes an annual $50 wellness benefit once each 12-month period for each covered person when a qualifying wellness test or procedure is completed. Eligible wellness tests include annual physical exams, eye examinations, immunizations, mammograms, blood screenings, and more. Enroll without answering medical questions.

800-362-4462, https://www.newyorklife.com/group-benefit-solutions/thejudgegroupconsultants 
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Employee Assistance Program (EAP) ▼

The AllOne Health Employee Assistance Program (EAP) is available at no cost to you and your eligible family members. This confidential program provides holistic support to help you navigate life’s challenges and prioritize your wellbeing.

Emotional Wellbeing & Behavioral Change
Connect with coaches, join virtual support groups, and access digital tools to help with goal setting, mindfulness, stress management, and more.

Work-Life Services
Get expert assistance with childcare, eldercare, financial coaching, legal services, relocation support, and other everyday needs.

Mental Health Counseling
Reach out to licensed counselors for immediate crisis support—available 24/7/365. You have access to three confidential sessions to address anxiety, depression, grief, stress, and more. You can self-schedule virtual counseling appointments.

How to Get Started
Register at allonehealth.com/portal using access code: EDYFS.

Explore resources, take assessments, watch videos, and discover personalized tools to support your wellbeing.

Learn More
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Critical Illness Insurance ▼

This policy, through New York Life, provides you with a lump sum cash benefit in the event you or a 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 what’s really important – getting better. 

You can pick the level of coverage that provides the right protection for your family. If you elect coverage for yourself, your spouse, and dependent children (under the age of 26) will be covered at 50% of your benefit amount at no additional charge. The policy also includes an annual $50 wellness benefit when a covered health screening test is completed.

800-362-4462, https://www.newyorklife.com/group-benefit-solutions/thejudgegroupconsultants
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401(k) ▼

Easily manage your retirement savings through the JP Morgan Retirement Link website or mobile app. Visit retirementlink.jpmorgan.com to register your account, update your contributions, choose investments, and name a beneficiary. You’ll also find helpful tools to estimate your retirement income and improve financial wellness.

Prefer mobile access? Download the JP Morgan Retirement Link app from your app store for on-the-go account management.

Click here to learn more.
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MyAdvocate Personal Health Assistant ▼

Need help navigating your health benefits? MyAdvocate provides free, confidential support to help you manage even the most complicated healthcare-related questions. Whether you need assistance understanding claims, resolving billing errors, comparing plans, estimating procedure costs, or coordinating care like referrals and medical supply orders, MyAdvocate is here to help. You’ll be assigned a dedicated advocate who will work with you until your issue is fully resolved. To get started, call 855-507-0301 or visit MyAdvocateServices.com. 

MyAdvocate Personal Health Assistant
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Voluntary Life Insurance ▼

You have the option to purchase life insurance for your dependents if you purchase coverage for yourself.

  • Employee: Maximum policy amount is $1,000,000, not to exceed five times salary, in $10,000  increments. Minimum of $10,000.  Guaranteed issue up to $150,000. 
  • Spouse: Maximum policy amount is $250,000, not to exceed 50% of employee amount,  in $5,000 increments. Guaranteed issue up to $25,000.
  • Children: Maximum policy amount is $10,000, for birth to age 26. You may elect in $1,000 increments up to $10,000.  Guaranteed issue is $10,000.
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IBX Value-Added Benefits ▼

IBX Member Portal
The IBX member portal at ibx.com is your personalized hub for managing your health care and benefits. Whether you want to check coverage, view your claims, or find a doctor, the portal puts everything you need in one secure, easy-to-use place — available anytime, anywhere.

With your IBX member account, you can:

  • View your benefits, claims, and out-of-pocket totals
  • Estimate costs for upcoming care
  • Access, print, or order your member ID card
  • Track progress toward deductibles and wellness goals
  • Manage prescription home delivery (if included in your plan)

Logging in takes just a moment, and once you’re in, you’ll have full access to tools and resources designed to support your care every step of the way.

Blue InsiderSM for Tickets, Travel & Shopping
Get access to a members-only discount program, powered by Working Advantage, and save up to 60% on tickets, travel, and shopping. Insiders can also earn rewards for shopping and registering to receive email updates. Find great deals for a wide range of national, regional, and local businesses, attractions, and events, including:

  • Tickets for amusement parks, Broadway shows, and movies
  • Sporting events
  • Recreational activities
  • Hotels
  • Zoos and aquariums
  • Museums
  • Merchant gift certificates
  • Online shopping and service discounts

Visit ibx.com/discounts to get started!

HUSK Marketplace
The HUSK Marketplace provides membership discounts to 8,000 gyms, fitness centers, and studios nationwide. You can also take advantage of discounts on virtual fitness classes, home exercise equipment, and healthy eating programs. Plus, you and your family get free access to a library of fitness and nutrition resources, training spotlight videos, and HUSK’s health and wellness blog. Visit marketplace.huskwellness.com/ibxmembers.

Wellness Reimbursement
To help you prioritize your health, you can get reimbursed up to $450 towards the cost of when you enroll in fitness memberships (like gyms or yoga classes, in person and virtual), weight management programs (like Weight Watchers®), and tobacco cessation programs.

Visit IBX.com/discounts to access.

The College Tuition Benefit®
Help lower the cost of college for the students in your life with the College Tuition Benefit® — available to you at no cost. Each year you remain eligible, you earn Tuition Rewards® Points that can be used toward tuition discounts at over 450 participating private colleges and universities nationwide. You can sponsor children, grandchildren, nieces, nephews, and more, making it a meaningful way to support your family’s education goals. Visit ibx.collegetuitionbenefit.com.

Blue365® Wellness Discounts
Stay healthy and save money with exclusive weekly discounts on wellness products and services through Blue365®. From gym memberships and fitness trackers to hearing aids and LASIK, you’ll find a variety of health-related deals designed to support your lifestyle. Visit Blue365Deals.com/register.

*Wellness and discount offerings may vary by state. 

IBX Mobile App
It’s easy to get the information you need on your mobile device. Log in to your secure member account using the free IBX mobile app for iPhone or Android so you can easily access health plan information, find resources, and get support when you need it.

You can use the app to:

  • Access Health Journeys for a quick view of everything related to your care, including your personal health record, condition-specific information, and well-being resources available to you

  • Create a custom directory of your care team for quick access to your favorite providers
    Get alerts and reminders for screenings, prescription refills, and other gaps in care (for example, a missed health screening)

  • Reach a Registered Nurse Health Coach when you have health-related questions

  • Estimate out-of-pocket costs based on your specific health plan

  • View, print, or share your member ID card

  • Access your coverage, benefits, and claims anytime
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Carrier Contact Information ▼

Click here for carrier contact information.

Don't Miss Out!

This enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event.

What is a qualifying life event?

Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, and Disability. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.

Qualifying life events include:

  • Change in legal marital status, including marriage, divorce, death of a spouse, legal separation, or annulment
  • Change in number of children, including birth, adoption, placement of adoption, or death of a child
  • Change in employment status of employee, spouse, or dependent, including termination or commencement of employment, commencement or return from unpaid leave of absence
  • Change in dependent eligibility status, including attainment of age, student status, or any similar circumstance

The change to your benefit elections must be consistent with the qualifying life event. You have 30 days from the qualifying life event to request your enrollment change.

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