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Helpful Information

New Hire Enrollment Process ▼

Professional benefit counselors will be available over the phone to help you complete enrollment. During your confidential meeting, the counselor will:

  • Review your benefits and help you understand the programs available to you
  • Answer your questions and provide additional information
  • Help you customize a benefits package to best meet your individual needs
  • Complete the enrollment process for yourself and your dependents

For your convenience, you may pre-schedule your appointment with a benefit counselor by logging on to www.legacyhealthcare.mybenefitsappointment.com or calling 833-501-0757, Monday - Friday, 9 a.m. - 5 p.m. Central.

2026 Benefit Guides ▼

Frequently Asked Questions (FAQ) ▼

1. General & Enrollment

    • Q: When can I enroll in benefits?
      • A: New employees will be scheduled a benefits call to enroll, about a month after hire. Benefits become effective for all new hire employees the 1st of the month, following 60 days of employment. Open enrollment occurs annually for changes to take effect on the first day of the new plan year.
    • Q: What happens if I miss the open enrollment deadline?
      • A: If you miss the deadline, you will generally not be allowed to make changes to your benefits until the next open enrollment period, unless you experience a qualifying life event.
    • Q: When does Open Enrollment take place?
      • A: Open enrollment calls take place in October/November each year, for a benefits effective date of January 1st.
    • Q: What is a Qualifying Life Event (QLE)?
      • A: A Qualifying Life Event (QLE) is a significant life change—such as marriage, divorce, birth/adoption of a child, or loss of other coverage—that allows you to change your benefits outside of open enrollment.
    • Q: What do I do if I have a QLE or a status change, and I need to enroll or make changes?
      • Visit your HR Director to provide your documentation (for QLEs), and to obtain a Benefits Election form. Complete the form and return it to your HR Director for enrollment.
    • Q: Who is an eligible dependent?
      • A: Eligible dependents include your legal spouse, domestic partner, and children (up to age 26).

2. Health, Dental, and Vision Insurance

    • Q: How much do benefits cost?
      • A: Please review our Benefits Guide, or our Benefits Microsite for more information on coverage and plan pricing.
    • Q: What is a Minimum Essential Coverage (MEC) plan?
      • A: A Minimum Essential Coverage (MEC) plan is a low-cost health insurance option that satisfies the Affordable Care Act's (ACA) requirement for having coverage, focusing primarily on preventative services
    • Q: What is the difference between a deductible, co-pay, and co-insurance?
      • A: A deductible is the amount you pay for services before insurance begins to pay. A co-pay is a fixed amount you pay for a service (e.g., $20 for a doctor visit). Co-insurance is your percentage share of the costs of a service (e.g., 20%) after the deductible is met.
    • Q: How do I know if my doctor is in-network?
      • A: You can check Leading Edge’s website, or call the doctor’s office to ask if they accept your specific insurance plan.
    • Q: Where can I find my ID cards and plan information?
      • ID cards, coverage information, and claim details can be found on the carrier portals. See your HR Director for registration instructions.
    • Q: Can I enroll in the Health Savings Account (HSA) without enrolling in the HSA medical plan?
      • No, you must be enrolled in the HSA medical plan to open and enroll into an HSA bank account.
    • Q: When can I cancel my medical, dental and vision coverage?
      • A: Medical, dental, and vision coverage can only be cancelled during open enrollment each year; unless there is a qualifying life event.

3. Voluntary Benefits

  • Q: Where can I find claim forms for my voluntary policies?
    • A: Claim forms can be found on respective carrier portals. Links to these sites can be found on our Benefits Microsite. Claim forms can also be obtained through your facility HR Director.
  • Q: Can I cancel my voluntary benefits?
    • A: Yes. Voluntary benefits can be cancelled at any time, for any reason. See your facility HR Director to obtain the Voluntary Benefits cancellation form.
  • Q: Are my voluntary benefits portable?
    • A: Yes. This means – if you leave the company, your policies will stay with you. The carrier will reach out to you directly to coordinate the shift to an individual policy.

4. Benefits & Leaves of Absence

  • Q: Will my benefits remain active if I go on LOA or FMLA?
    • A: Yes. Your benefits will not be cancelled due to going out on an approved leave of absence, or FMLA.

  • Q: Am I required to pay for my benefits while I am on leave?
    • A: Benefit premiums will be deducted from sick and/or vacation hours that are paid out while you are on leave. We don’t require you to pay for premiums while not working – however, you will be responsible for repaying any missed premiums when you return.
  • Q: How do I repay my benefit premiums when I return from leave?
    • A: Check or money order – payable to your facility; payment mailed or delivered to Legacy Corporate (3450 Oakton St. Skokie, IL 60076) – attention Jamie. OR- catch-up premiums can be deducted through payroll. Please see your facility HR Director to arrange this. Voluntary benefit premiums will be billed to you and repaid directly through the carrier.

5. Leaving the Company

    • Q: What happens to my benefits if I leave the company?
      • A: Health coverage ends on your last day of work (if January 15th was the last day worked, then January 15th would be the last covered day). You may be eligible to continue coverage under COBRA, which allows you the option to continue medical, dental, and vision coverage for up to 18 months.
    • Q: Can I keep my HSA money?
      • A: Yes, your Health Savings Account (HSA) and all the money in it belong to you, and does not expire.

Glossary of terms: Benefits ▼

    • 401(k) / Defined Contribution Plan: A retirement plan allowing employees to contribute pre-tax income, often with an employer match.
    • Coinsurance: Your percentage share of the cost for covered services after meeting your deductible.
    • Contingent (Secondary) Beneficiary: A "backup" who inherits only if all primary beneficiaries have died, cannot be located, or refuse the inheritance
    • Copayment (Copay): A fixed fee paid at the time of service for specific types of care.
    • CORE Coverage: Medical, dental, and vision benefits
    • Deductible: The amount you pay out-of-pocket annually before your insurance begins to cover costs.
    • Dependents: an individual—most commonly a spouse or child—whom a primary policyholder (employee) is eligible to add to their insurance or benefit plans.
    • Domestic Partner: an individual in a committed, long-term relationship with an employee where both parties share a common residence and financial obligations but are not legally married.
    • Election Form: (or enrollment form) is a legal document used by an employee to formally select or decline specific workplace benefits
    • Explanation of Benefits (EOB): A document from the insurer detailing billed services, covered amounts, and remaining balances.
    • HSA (Health Savings Account): A portable account for individuals with an HDHP, offering tax advantages; funds roll over and remain with the employee.
    • Medicaid: a joint federal and state program that provides free or low-cost health coverage to individuals and families with limited income and resources.
    • Medical Support Order: a legal mandate, typically issued by a court or state administrative agency, that requires a parent to provide health insurance coverage or financial medical support for their child.
    • Medicare: a federal health insurance program primarily for individuals aged 65 or older. It also provides coverage for younger people with specific disabilities, End-Stage Renal Disease, or ALS.
    • Minimum Essential Coverage (MEC): refers to a health insurance plan that meets the basic standards established by the Affordable Care Act (ACA).
    • Open Enrollment (OE): the designated annual window during which individuals can sign up for, adjust, or cancel their health insurance and other employee benefits
    • Out-of-Pocket Maximum: The most you will pay in a plan year for covered, in-network services; the insurer pays 100% after this limit is met.
    • Premium: The regular payment to maintain health insurance coverage.
    • Primary Beneficiary: The first person or entity in line to receive the death benefit or account balance. You can name multiple primary beneficiaries and specify the percentage of the total benefit each should receive.
    • QLE (Qualifying Life Event): An event (e.g., marriage, birth) that permits changes to benefit elections outside of the standard Open Enrollment period.
    • Supporting Documentation: the essential legal or financial records required to verify an individual's eligibility for specific employee benefits or to substantiate a claim for reimbursement.
    • TPA (Third Party Administrator): an external service provider that handles the day-to-day administrative and operational tasks for an organization's employee benefit plans.
    • Voluntary Benefits: Additional benefits like life, accident, and disability insurance.
    • Wellness Benefit: an employer-sponsored program or initiative designed to promote and maintain the physical, mental, emotional, and financial well-being of employees.
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Your 2026 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 & Pharmacy ▼

Legacy Healthcare offers four medical plans through Leading Edge with Anthem, a BCBS Network. These 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. If you select the HealthyYou option, you will be required to use only in-network providers. Please see plan summary for full plan details and limitations. 

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Summary of Benefits and Coverage

Pharmacy Benefits
Your drug plan is administered by Carelon. Visit Carelon at carelon.com to search for prescription drugs, find a pharmacy, order mail service refills or new prescriptions online, and much more. Carelon has a broad network of contracting pharmacies. To use your benefits, simply find a contracting pharmacy close to you and present your member ID card.

Rx Mail Order
The Mail Order program with Carelon will save you both time and money. This program requires all covered medications to be filled as a 90-day supply either through select retail pharmacies or through home delivery. Only two 30-day fills are permitted at a retail pharmacy before you are required to move to a 90-day supply.

Find a Provider
Visit mesa.leadingedgeadmin.com. If you have not registered as a member, you can do so now or you can search as a guest on anthem.com/find-care and select National PPO (BlueCard PPO).

Please see your 2026 benefit guide for rate information. 
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Short-Term Disability ▼

Short-Term Disability (STD) from Allstate provides partial salary replacement if an unexpected illness or out of workplace injury keeps you from working. You can customize your plan by selecting when benefits begin and how long they last. Short-Term Disability can help fill the gap until you are able to return to work by paying you a weekly benefit. This policy pays a benefit of 60% of your salary up to a maximum benefit of $1,250 a week. You have the option of customizing your coverage by selecting when your benefits begin after your disability, as well as the duration of your benefit.
Learn More
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Dental ▼

Because maintaining your smile is important, Legacy offers two dental plans through MetLife: a High and Low plan. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in network dentist.

Learn More
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Accident Insurance ▼

Now with a $100 Health Screening Benefit!

Accident Insurance through MetLife can help cover the out-of-pocket costs associated with an accident (24/7/365) by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay, or to pay for childcare so you can get to the doctor for a follow-up visit. During this enrollment period only you can elect coverage without answering medical questions!

The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Accident Insurance pays you a benefit for events such as ambulance transportation, ER visits, doctor visits and follow-up treatment, fractures and dislocations, burns, surgery, medical appliances, torn cartilage, and more.

Learn More
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Vision ▼

Just as with medical and dental care, we have selected a comprehensive vision care plan. We are proud to offer Vision benefits through MetLife. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network provider.

Learn More
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Critical Illness Insurance ▼

Now with a $100 Health Screening Benefit!

Critical Illness Insurance from MetLife 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, stroke, or infectious disease, such as COVID-19 or pneumonia. It can help provide financial protection so you can focus on getting better. During this enrollment period only you can elect coverage without answering medical questions!

Learn More
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Health Savings Account (HSA) ▼

If you enroll in the HSA medical plan, you are eligible for a Health Savings Account. Legacy will manage your pre-tax payroll deductions for you if you chose to contribute to your account. An HSA is an interest-bearing savings account used to pay for eligible medical, prescription drug, dental, or vision expenses. All the money in the account is yours to keep, even if you leave or retire from Legacy. At the end of the year, any money in the HSA rolls over to the next year—you never lose it! The 2026 annual maximum contribution is $4,400 for an individual or $8,750 for a family.

HSA Member Website Guide

HSA Mobile App
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Hospital Indemnity Insurance ▼

Now with a $100 Health Screening Benefit!

You have the option to enhance your medical plan with additional hospital benefits through MetLife. 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. During this enrollment period only you can elect coverage without answering medical questions!

Learn More
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Basic Life and AD&D Insurance - No Cost to You! ▼

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance helps provide a foundation of financial protection for your family if something happens to you.

What is Group Basic Life Insurance?

Legacy provides 1x your salary up to $50,000 of life and AD&D coverage to all eligible employees. Group Term Life Insurance pays a benefit to your chosen beneficiary(ies) if you die while you are a member of the group covered by the policy. It does not earn interest and has no cash value but can help protect the financial future of your loved ones.

Group AD&D pays a benefit in addition to your life insurance if you die as the result of a covered accident. It also pays benefits for loss of limb, hearing, speech, sight, and other serious losses resulting from an accident. See your policy documents for details of coverage.

Speak to a benefit counselor to confirm eligibility.
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Universal Life Insurance with Living Benefits for Long Term Care Expenses ▼

Legacy Healthcare is happy to offer Universal Life Insurance with Living Benefits for Long Term Care from Allstate, which features premiums guaranteed for life and coverage for qualified long-term care expenses like a nursing home, assisted living, or home care. Living benefits for long-term care 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.

During this enrollment period, you will have the opportunity to elect up to $150,000 in coverage for yourself, $75,000 for your spouse, and up to $20,000 for your child(ren) without answering medical questions. Please see a benefit counselor for more information.
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Voluntary Term Life ▼

Voluntary Term Life from Aflac helps ensure that your family will have financial security even if something happens to you. The plan provides term life insurance coverage that can be customized to fit your needs. Coverage is available for you, your spouse, and your dependents. During this enrollment period, you can elect up to $100,000 in coverage without answering medical questions.

Term Life Insurance Brochure
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LifeTime Benefit Term Insurance with Long-Term Care ▼

LifeTime Benefit Term Insurance with Long Term Care Coverage through Chubb provides permanent, flexible protection. The policy’s living benefits provide financial support to cover the cost of long-term care you might need as a result of an accident, illness, or aging. As life insurance, LifeTime Benefit Term 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 this enrollment period, enroll without answering medical questions!

Click here to download the claims form.

Learn More
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Legal Plan ▼

MetLife Legal Plans gives you easy, direct access to a national network of more than 18,500 attorneys that provide telephonic advice and office consultations and access to the expert guidance and tools you need to handle the broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft or caring for aging parents. 

Learn More
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Home and Auto ▼

Legacy Healthcare is providing a group Home and Auto policy from MetLife. To receive your personalized quote please call 844-569-3607.

  • Qualify for a group discount of up to 15% off your policy.
  • Earn an additional discount when you pay your premium through automatic payroll deduction.
  • Receive extra savings if you’ve been with Legacy for a long time.
  • Save more with MetLife's superior driver discount.
  • Choose from a variety of insurance policies to meet your coverage needs including personal excess liability, boat, condo, renter’s, motor home, recreational vehicle, and motorcycle.

Learn More
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Employee Assistance Program (EAP) - No Cost to You! ▼

Get the Help You Need

Your work-life balance Employee Assistance Program (EAP) - provided at no additional charge through Legacy's insurance benefit plan - can help you find solutions to everyday challenges of work and home, and more serious issues involving emotional or physical well-being. 

Our EAP program covers face-to-face sessions, and unlimited telephonic and online access 24-hours a day, seven days a week. What you discuss is always confidential in accordance with professional ethics and federal state laws. 

Call: 844-862-0894
TTY: 800.697.0353
Online: guidanceresources.com
App: GuidanceNow
Web ID: Lincoln

Learn More:
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Legacy Cares Fund ▼

Administered by Emergency Assistance Foundation, Inc.

The Legacy Cares Fund was created to help employees who are facing financial hardship immediately after a natural disaster or an unforeseen personal hardship. The Fund relies primarily on individual donations from employees and support from Legacy Healthcare to fund this program. Every contribution helps and when combined with the donations of others can provide a tax-free grant (USA) to help a fellow employee in need when they are facing the unexpected. Click here to learn more.

Click here to download more information about the Legacy Cares Relief Fund!

See what others are saying:

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Aura Identity Theft Protection ▼

Should fraud or identity theft occur, in-house Privacy Advocates are available 24/7 to fully restore compromised identities, even if the fraud or identity theft occurred prior to enrollment. 

Learn More
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Daily Pay ▼

Make Any Day a Pay Day through DailyPay
We are excited to unveil a new initiative aimed at helping our employees gain greater financial flexibility and safeguard against unexpected expenses. You will now be able to make secure, instant transfers of earned pay before payday, whenever and wherever, 24/7/365 through a new free voluntary benefit called DailyPay. DailyPay gives you everyday access to your money as you earn it.
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Cancer Care Advocate Plus (CAP) ▼

Cancer Care Advocate Plus (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. 
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Carrier Contact Information ▼

Plan Provider Phone Number
Website
Medical  Leading Edge 223-243-6347
Legacy Concierge at Leading Edge 844-399-6832
Health Savings Account (HSA) HSA Bank 855-731-5220
www.hsabank.com
Hospital Indemnity MetLife 800-607-3366
www.aetna.com
Accident  MetLife 855-241-9891
www.chubb.com
Critical Illness MetLife 800-607-3366
www.aetna.com
Dental MetLife mybenefits.metlife.com
Vision MetLife mybenefits.metlife.com
Basic Life Lincoln Financial Group  
Term Life Aflac 800-433-3036 
www.aflac.com
Universal Life w/ LTC Allstate 800-521-3535
https://mybenefits.allstate.com/#/login
Lifetime Benefit Term (LBT) Chubb 855-241-9891
www.chubb.com
Short-Term Disability Allstate 800-521-3535
https://mybenefits.allstate.com/#/login
Cancer Care Advocate Plus (CAP) Chubb

833-542-2013
chubb.com/WorkplaceBenefitsClaims
Home and Auto MetLife 800-438-6388 
www.metlife.com
Legal Plan MetLife

800-821-6400
www.legalplans.com
Aura Identity Theft Protection MetLife

800-438-6388
www.metlife.com
Employee Assistance Program (EAP) Guidance Resources

888-628-4824
GuidanceResources.com

 

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.

Monthly Highlights

 Missed A Monthly Highlight?
Catch up on past benefits updates and reminders anytime. Browse previous highlights to stay informed and make the most of your benefits year-round. 

February 2026 ▼

Managing your MetLife benefits just got easier. Register for the MyBenefits MetLife portal to view coverage, track claims, access ID cards, and manage your benefits anytime. 

Click here to read more!

March 2026 ▼

Take advantage of the $100 MetLife Wellness Benefit. Employees enrolled in eligible MetLife plans can receive $100 per coverage by completing a qualified health screening and submitting a claim through the MyBenefits MetLife portal. 

Click here to read more! 

April 2026: Coming Soon! ▼

Check back in April!

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Schedule Your Appointment

 

 

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Questions?

If you have any questions, please email the Benefits Team at LegacyHR@legacyhc.com.
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