Visit the link below to find details for your location!

Because maintaining your smile is important, Legacy offers two dental plans 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 dentist. Preferred Provider Organization (PPO) – You have the flexibility to use any dentist of your choice, however, you
can manage your out-of-pocket costs by remaining in-network. Negotiated fees extend to all in-network services— even to non-covered services like cosmetics and to services provided after the annual benefit maximum has been exceeded. Dental implants are covered under both dental plans. Orthodontia is covered under both plans for Children up to 19 years of age.

On January 1, 2024, all members will receive a refreshed Dental Annual Plan Maximum amount as the new calendar year begins.

To find an in-network dentist near you, go to: mybenefits.metlife.com

Accident Insurance through Chubb 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. You can elect coverage without answering medical questions during this enrollment period only.

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.

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.

To find an in-network vision provider near you, go to: mybenefits.metlife.com. Enter your zip code to be connected with eye health experts near you.

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, stroke, or infectious disease, such as COVID-19 or pneumonia. It can help provide financial protection so you can focus on getting better. The policy also includes a $50 annual health screening benefit when you complete a qualified screening such as a COVID-19 test. You can elect coverage without answering medical questions during this enrollment period only.

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 2024 annual maximum contribution is $4,150 for an individual or $8,300 for a family.

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. 

A Simplified Claims Experience

1. Register on the My Aetna Supplemental app or on the member portal at Myaetnasupplemental.com to submit and track claims, and sign up for direct deposit.
2. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later.
3. You can also print/mail-in form(s) to Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512-4079, or you can ask us to mail you a printed form.

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.

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.

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.

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!

• Call 855-241-9891 with questions or to file a claim.
• Claims may also be faxed to 603-352-1179 or
  sent by email at CLAIMS@gotoservice.chubb.com
• Questions can be sent by email to
  csmail@gotoservice.chubb.com.

Click here to download the claims form.

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. 

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.

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: LegacyAssist

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. 

Speak to a benefit counselor to confirm eligibility. 

Our Travel Resource Services provider, Assist America, offers round-the-clock emergency and information services that can help you access emergency assistance when you are traveling 100 or more miles away from home.

• Medical referral
• Medical monitoring
• Emergency medical evacuation
• Foreign hospital admission assistance
• Medical repatriation
• Prescription assistance

Travel Emergency Assistance

• Compassionate visit
• Care of minor children
• Evacuation transport for a family member
• Return of mortal remains
• Other services include:
• Return of vehicle
• Legal and interpreter referrals
• Pre-trip information

Mobile app: Covered members will be able to access Travel Resource Services on a mobile device through the Assist America app.

This benefit is offered to all members insured under the life program (and their spouse and children) when traveling more than 100 miles away from their place of residence.

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. And with a $1million identity theft insurance policy — including reimbursement for HSA and 401(k) accounts, part of PrivacyArmor Plus — you can rest assured that your identity is fully protected.

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.

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.