2026 Benefits Open Enrollment

Premier Health offers four health plan options:

• Blue Connection HPN Copay Plan
• Premier Health Blue Access Copay Plan
• Blue Connection HPN HDHP
• Premier Health Blue Access HDHP

• Search as Guest User
• Select Medical Plan Type/Network
• Select Your State
• Select Medical (Employer-Sponsored)
• Select Blue Connection (BlueHPN) or Premier Health Blue Access PPO (Ohio employees only).

Medical Wellness Rate
If you complete the Premier Healthy Living health risk assessment, biometric screening, and the annual physical or well-woman exam, you may qualify for a $25 per pay premium discount towards your medical enrollment, a savings of approximately $650 per year.

Pharmacy Concierge Delivery Service
Employees and their dependents who do not have access to an onsite Premier Health pharmacy or kiosk location can request home delivery services through the Premier Health pharmacy.

Pharmacy Retail Prescription 
As a reminder, filling prescriptions through the Premier Health Pharmacies will maximize savings. Additionally, if you do choose to fill prescriptions externally, Walmart and Kroger offer more competitive pricing in comparison to locations such as Walgreens and CVS. 

Free Generic Prescriptions and Diabetic Supplies
Participants enrolled in a Premier Health medical plan will have access to free generic diabetic medication and supplies such as test strips, lancets, pen needles, and more, all at no cost from Premier Health’s pharmacy. To confirm availability of specific brands of supplies, contact TrueScripts at 812-257-1955. Click here for more details.

Premier Health Diabetic Pharmacy Program
A no-cost diabetic pharmacy tier – featuring qualifying generic and brand products is available to you through Premier Health pharmacies. To qualify:

1. Brand medications must be considered a preventative glucose lowering agent;
2. Prescription must be filled/delivered through the Premier Health Specialty pharmacy;
3. Caregiver/member must receive an annual consultation with a Premier Health diabetic pharmacist; AND
4. Caregiver/member’s prescriber participates in and has a working agreement with the Premier Health Diabetic Pharmacy Program.

Administered by Fidelity Investments

You have the option to open a Health Savings Account (HSA). HSA funds can be used to pay for eligible medical, dental and vision expenses for you and your eligible dependents, including deductibles, coinsurance, prescriptions, acupuncture and more, tax-free, now and in the future. Family members do not need to be covered under your plan in order to use the HSA funds.

With the HSA, you are in charge. You decide:

• How much you’ll contribute;
• When to pay for eligible expenses with HSA funds directly (you can also reimburse yourself from the account);
• Whether to save HSA funds for future expenses or retirement.

2026 Annual HSA contributions Limits:

• Single: $4,400
• Single+1/Family: $8,750
• Add an extra $1,000 if you are age 55 or older

You may be eligible for an employer contribution by participating in the Premier Healthy Living Program! Click here for more information.

Health Reimbursement Arrangement (HRA)
Administered by Anthem

When you enroll in either of the “copay plan” options of the Blue Connection / Blue Access Network Plans, you have the opportunity to earn an employer contribution to your HRA account by completing the Premier Healthy Living wellness incentive.

A Health Reimbursement Arrangement (HRA) is an employer-sponsored reimbursement account used to reimburse a portion of a participant’s eligible out of-pocket medical expenses, such as deductibles, co-insurance, and pharmacy expenses. It’s not an insurance plan; it’s a reimbursement program funded entirely by Premier Health to help make health care more affordable.

Premier Health will fund your HRA with no contributions required from you. You are only able to reimburse expenses for your spouse and dependents if they are also enrolled in the plan.

Key Features:

• Funds may be used for qualified medical expenses only.
• Caregivers do not contribute to this account.
• Each year, your HRA balance will reset to the HDHP statutory deductible limit established by the IRS and will be based on the coverage level you select.*
• Participants may be eligible for employer contributions by participating in the Premier Healthy Living Program.
• Premier Healthy Living dollars contributed to an HRA on your behalf are employer-owned, meaning you do not have access to the funds should you leave
• Premier Health in the future.
• Pairs with the Copay Plans only.
• You will not receive an HRA card from Anthem, as the program is integrated with claims to pay the provider directly, if participating.

*For participants enrolled in copay plans after Jan. 1, 2023

Limited Purpose HRA (LPHRA)
Administered by Fidelity Investments

A Limited Purpose HRA (LPHRA) is an employer-sponsored reimbursement account used to reimburse a portion of a participant’s eligible out of-pocket dental and vision expenses. Employees who transfer from their HRA copay plan during 2026 Benefits Open Enrollment to a “High Deductible HDHP Plan” option of the Blue Connection / Blue Access Network Plans will be able to have their HRA balance as of Jan. 1, 2026 transferred into the LPHRA account.

Key Features:

• Funds may be used for qualified dental and vision expenses only.
• Once a statutory deductible is met, account may be converted to use towards medical expenses as well.
• Caregivers do not contribute to this account.
• Pairs with the HDHP Plans only.
• Must also enroll in HSA during Open Enrollment only.
• Switching back to a Copay Plan in a future enrollment will result in the loss of accumulated dollars.
• Your NetBenefits AccessCard® can be used for both your LPHRA and HSA balances.

Administered by Anthem

Flexible Spending Accounts (FSA) allow you to save money on a pre-tax basis to pay for qualified medical expenses and/or dependent care expenses you may incur throughout the year. The money you put into your FSA is done so on a pre-tax basis. This means you are lowering your taxable income and also not paying taxes when the money is used for qualified expenses. You have access to the following:

• The Health Care FSA
• The Dependent Care FSA

You may deposit up to $3,200 per year in a Health Care FSA and/or up to $7,500 per year in a Dependent Care FSA. The money you set aside in an FSA must be used during the same calendar year. Any funds remaining at the end of the year must be forfeited.

Dependent Care FSA account contribution limits for Highly Compensated Employees will be capped at $1,000.

Please note that these accounts are separate — you may choose to participate in one, both, or neither. You cannot use money from the Health Care FSA to cover expenses eligible under the Dependent Care FSA or vice versa.

Visit irs.gov for more information.

Anthem Debit Card
Your Premier Health FSA and DCA comes with an Anthem debit card that can be used for eligible FSA/DCA transactions. If a transaction requires additional review, you will be asked to provide valid documentation, including receipts and/or explanation of benefits, to validate the transaction.

Administered by Lincoln Financial

Hospital indemnity insurance can reduce the financial stress of a hospital stay by providing a lump-sum cash benefit directly to you that can be used however you need. The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Even with health insurance, a stay in the hospital can become very costly very quickly as out-of-pocket charges begin to add up.

Plus, the plan will also pay you a $50 cash benefit every year you and each of your covered family members complete a single covered exam, screening, or immunization.

Click here and watch the video below to learn more!

Administered by Lincoln Financial

Since accidents can happen at any time – 24 hours a day, seven days a week – it’s important to be prepared. This benefit provides payments directly to you to help cover the out-of-pocket costs associated with a covered accident (on and off-the-job). 

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 will also pay you a $50 cash benefit every year you and each of your covered family members complete a single covered exam, screening, or immunization.

Click here and watch the video below to learn more!

Administered by Lincoln Financial

This voluntary program provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition such as heart attack, stroke, or cancer. It can help provide financial protection so you can focus on what’s really important — getting better.

You pick the level of coverage that provides the right protection for your family. Plus, the plan will also pay you a $50 cash benefit every year you and each of your covered family members complete a single covered exam, screening, or immunization.

During this enrollment period, you can elect coverage without answering medical questions!

• Employee: up to $40,000
• Spouse: up to $40,000 (not to exceed 100% of employee's elected amount)
• Child(ren): Your dependent children automatically receive 50% of your coverage amount at no extra cost

Click here for more information on Critical Illness.

Click here for more information on Critical Illness with Cancer Coverage.

Watch the video below to learn more!

Administered by Lincoln Financial

Short-Term Disability (STD) Insurance
Short-term Disability provides eligible employees with a portion of your income for up to 26 weeks (including a 7-day waiting period) if you become disabled due to an injury or illness. The policy pays a benefit of 60% of your pre-disability earnings. Benefit payments begin after you have been disabled for seven calendar days. This benefit is paid for by Premier Health and is provided at no cost to you (exception of PPN Physicians). It is the employee’s responsibility to request to use this benefit.

Long-Term Disability (LTD) Insurance
Long-term Disability is available for full-time employees. Premier Health pays for this plan, which provides income replacement of 60% of your monthly base pay up to the maximum monthly benefit. Benefits are payable after the 180-day elimination period has been exhausted. It is the employee’s responsibility to file a claim for this benefit.

Administered by Legal IDShield

IDShield provides comprehensive identity and credit monitoring, real-time alerts and direct access to dedicated licensed private investigators who will restore your identity if stolen.

IDShield plan benefits include:

• Full service identity restoration and consultation for dependent parents
• VPN proxy one
• Anti-malware protection
• Device protection
• Password manager
• Credit counseling

Click here to learn more.

Administered by LegalShield

LegalShield provides you and your family direct access to a dedicated provider law firm who can review legal documents, prepare Wills and assist with other personal legal matters such as speeding tickets, neighbor disputes and family related matters such as adoption.

LegalShield plan benefits include:

• Elder care (including will preparation for parents!)

• Gender identifier change

• Bullying protection

• Civil and social discrimination

• Post-nuptial/domestic partnership agreements

• Consumer credit services

Click here to learn more.

Wellness is not a destination, it’s a journey. Premier Health is committed to helping you along your journey to achieve your optimal health by providing incentives to encourage you to get and stay healthy. If you are enrolled in the Premier Health Employee Plan, you have until Oct. 31 each year to earn rewards when you engage in the Premier Healthy Living Wellness Program.

Have you completed the 2025 Healthy Living program requirements to earn rewards in 2026? Sign in to Bravo to log your wellness activities by Oct. 31!

Premier Health Urgent Virtual Care
Urgent Care virtual visits combine the ultimate convenience of virtual care with care from the same Premier Health Urgent Care providers you know and trust at our physical locations. Employees in Ohio are encouraged to utilize the services of Premier Health’s virtual health option. Virtual online visits are available through Premier Health Urgent Virtual Care, Monday-Friday from 9 a.m. – 9 p.m. by registering through MyChart or by clicking here.

Anthem Live Health Online
Remote employees outside the state of Ohio and/or Ohio residents traveling outside the state who need virtual assistance may also utilize the Live Health Online Medical virtual option available on anthem.com or the Sydney mobile app.

Virtual appointments from your mobile phone, tablet, or computer. Live Health Online providers are Board-certified doctors with access 24/7 for advice, treatment, and prescriptions.

24/7 Anthem NurseLine
Connect with a registered nurse who can answer health questions, help you decide where to go for care, find doctors or other healthcare professionals near you. Available to you and your family at no cost to you. Click here to learn more.

Administered by Superior Dental Care (SDC)

Premier Health offers two dental plan options:

• Preventive Plan
• Advantage Plan

The Preventive Plan provides coverage for preventive care and fillings. The Advantage Plan includes coverage for preventive, basic, endodontics, periodontics, and orthodontics. 

To find a provider near you, click here.

Click the links below to learn more:

• Dental Plan Summary
• SDC Mobile App

Administered by Vision Service Plan (VSP)

VSP is the administrator for the Premier Health Vision Plan. VSP offers savings on eyewear and eyecare. You can choose to see any provider you want, however choosing an in-network provider will provide you with the most savings. Click here to review the vision plan summary.

Blue light filter coverage, providing an added layer of protection for the long-term health of your eyes. Learn more.

View the EveryEye zero premium plan description here.

To find a provider near you, click here.

Administered by Lincoln Financial

Basic Life and AD&D Insurance – Premier Health Sponsored
Basic Life Insurance and Accidental Death and Dismemberment Insurance (AD&D) are available at no cost to you, paid for by Premier Health. Full-time caregivers are eligible for coverage of $20,000 or one times annual salary, whichever is greater. Part-time caregivers are eligible for $7,500 of coverage. Note: Executives and Physicians are excluded from the coverage amount listed above and should view their individual benefit class summaries. Starting at age 65, your coverage amount will be reduced. The insurance carrier will send a conversion package to your home, detailing the reduced amount and available options for converting to an individual policy, if desired.

Supplemental Life Insurance
You may select up to one times your annual salary of voluntary Supplemental Life Insurance each year, until you reach the maximum coverage amount. Applicable rate changes occur every five years between the ages of 30 and 70. Changes will be effective on your birthday of that year.

Dependent Life Insurance
When you elect Supplemental Life Insurance for yourself, you may also choose coverage for your spouse only, children only, or your whole family. Important note: the amount of dependent life insurance you elect for your spouse/children cannot be greater than the value of your own Supplemental Life Insurance amount. If you are adding dependent life coverage for your spouse, you must list them as a dependent on the family information section of My Benefits.

Supplemental AD&D and Dependent AD&D are also available for purchase during Open Enrollment. Be sure to designate a beneficiary (not yourself) for your Life and AD&D Insurance.

Note: Executives and Physicians are excluded from the coverage amount listed above and should view their individual benefit class summaries. Coverage amounts are reduced at age 65. Refer to your Life Insurance Summary Plan Description for details on age reduction.

Administered by Allstate

Whole Life Insurance with Long Term Care through Allstate offers protection beyond your working years, potentially for your lifetime. With a guaranteed death benefit that will never decrease, level premiums that will never increase, cash value accumulation, living benefits and other options, Whole Life goes beyond typical term life insurance.

This plan 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. This plan also offers you coverage should you need Long Term Care after becoming chronically ill and confined to a nursing or assisted living facility, or if you need to receive home health or adult day care.

You can choose a fully-guaranteed death benefit (premiums payable to age 95) to leave behind. If you live to age 121, a lump-sum maturity benefit will be paid. Coverage for your spouse and children is available through a separate certificate or rider (limits may apply). If you are currently enrolled, your options are to continue or waive coverage.

If you’re enrolling in this Whole Life plan for the first time in 2026, you may elect up to the following coverage amounts without answering medical questions:

• Employee: up to $150,000
• Spouse: up to $25,000
• Child: up to $10,000

Important note: This benefit is not available to caregivers aged 70 or older at the time of enrollment.

Click the links below to learn more:

• Brochure
• Infographic Flyer
• Rate Lock Flyer
• Whole Life Insurance Website

Employee Assistance Program (EAP)

• All employees and their spouses/partners, dependents, parents, and parents-in-law will have access to the EAP/work-life service.
• Includes five free virtual or in-person sessions per issue, per year, available 24/7/365 (via phone, text, or web).
• Covers a wide range of specialties such as stress, anxiety, depression, relationships, gender identity, substance abuse, and more.
• Provides support to research and find solutions to a variety of socioeconomic issues (e.g., housing, food insecurity, child and elder care, legal and financial matters).
• Includes Digital Cognitive Behavioral Therapy (dCBT) to address stress, depression and other concerns through web/mobile portal.
• Also available are personal concierge services to help with personal tasks including travel research and booking, restaurant reservations, party/event planning, event tickets, and more.

Health Advocacy Support
Healthcare is complex and rarely limited to medical issues. More often than not, there are also billing issues, coverage questions, and claims confusion. Health Advocate offers a navigation service that provides personalized care to address a variety of issues.

Premier Health’s advocates are available to provide support to employees and their families in troubleshooting and navigating healthcare-related services. The program is available to full- and part-time employees, dependents, parents, and parents-in-law.

Our advocates can:

• Explain coverage and coordinate benefits
• Research and resolve insurance claims and medical billing issues
• Identify leading in-network doctors using quality care evaluation approach and make appointments
• Facilitate any required pre-authorizations for medical services, Durable Medical Equipment, and prescription drugs
• Research ways to reduce prescription drug and other costs
• Facilitate the transfer of medical records between physicians
• Get employees to the right care at the right time
• Help improve health outcomes and medical costs

Virtual Therapy Program: Health Advocate has partnered with Tava Health to provide expanded access to virtual therapy through their network of licensed professional therapists. Through our website or app, you can conveniently locate mental health providers and self-schedule appointments online. Click here or download the app to get started. Learn more.

To get started, employees simply call a toll-free number to connect with an advocate for personal, confidential support. 

AblePay Health can save you up to 13% on your copay, deductible, and coinsurance expenses. In addition, this program also offers flexible payment terms as well as assistance with any questions you may have regarding your medical bills. AblePay is provided at no cost to you by Premier Health. All full- and part-time employees are eligible for this benefit. You do not need to be enrolled in the health plan to qualify, but some form of primary health insurance is required.

Bright Horizons
Enhanced family support available through our partnership with Bright Horizons provides caregivers flexible benefits that “meet the moment.” In addition to backup child, adult, and elder care support, caregivers will receive a free membership to access tuition discounts towards full-time childcare at most Bright Horizons centers. Caregivers will also receive discounts for tutoring and a host of other services, including housekeeping and pet care. Full-time caregivers are eligible for 10 uses per year. Part-time caregivers are eligible for five uses per year. Click here to register.

Family Building & Support via BenefitBump
Premier Health has partnered with BenefitBump to support caregivers and their partners/spouses on their path to parenthood. Free for you and your spouse/partner, BenefitBump’s digital support and human guides will help you:

• Navigate your pregnancy planning, pregnancy, adoption, or foster care journey.
• Understand your leave benefits and how to apply for that time off.
• Create a childcare plan, find a childcare provider, order a breast pump, and access breastfeeding support.
• Find in-network providers to maximize medical coverage and understand your employer’s benefits.
• Create a return-to-work plan.
• Manage your stress and anxiety on your path to parenthood.

New! Beyond the Bump Parenting Support – Now also available for families with kids through the age of 12, covering topics like physical health, academic success, social and emotional development, and age-appropriate responsibilities.

Visit mybenefitbump.com or download the BenefitBump mobile app to sign up now. When registering, use the invitation code Premier. You and your family will also have the opportunity to get several free gifts throughout your engagement with the program.

Questions? Contact BenefitBump at 888-286-7314 or participantservices@benefitbump.com.

Menopause Support via Kindbody
Kindbody’s menopause program offers support and assistance navigating all stages of menopause. Participants will receive a free virtual consultation with a board-certified OBGYN and a personally customized plan for managing menopause. Participants will also receive three free hour-long consultation sessions with a menopause coach. This program also includes:

• Help with common issues such as metabolic changes, inflammation, weight gain/loss, muscle mass, and more.
• Connection to educational resources and a virtual platform to engage with support groups and other participants with similar experiences.
• Mental and emotional health support with individualized and couples counseling, acupressure, mindfulness, guided meditation, and self-care and empowerment.
• Career and life transition assistance, to help members focus on change

Visit kindbody.com/activate. Use the employer registration code KINDPREMIER and your employee ID. 
Questions? Contact Kindbody at 888-520-2536 or employeebenefits@kindbody.com.

Calm Mindfulness App Membership
As part of the Premier Healthy Living wellness program, we are pleased to offer all employees, and up to 5 dependents, a free membership to Calm, a wellness app specifically designed for employees to find balance before, during, and after their workday. Click here to visit the Calm website and get started with your free membership! Learn more.

Anthem Condition Care Management Incentives
Lark Diabetes Prevention Program digital scale upon confirmation of enrollment in program and Fitbit after meeting a certain milestone of completion. Learn more.

Superior Dental Free Second Opinion 
Enrollees have the option to get a no-cost second opinion for covered extensive dental treatment plans that include numerous or costly services. Learn more.

TruHearing Hearing Aid Discount Program 
Your SDC dental plan comes with free access to a comprehensive hearing care solution available through TruHearing®. This program offers savings of 30-60% off average retail prices of the latest brand-name hearing aids, all with a risk-free 60-day trial period, one year of follow-up visits, 80 free batteries per non-rechargeable hearing aid, and a full 3-year manufacturer warranty. Learn more.

Lincoln Financial Value Adds (Life & AD&D enrollees)

• Empathy is a service that provides families with one-on-one guidance to help them navigate the financial, legal, emotional, and logistical challenges that often feel overwhelming. Learn more.
• TravelConnect® is a service you can count on to provide support if you face an emergency when you’re 100 or more miles from home. Learn more.
• LifeKeys® grief counseling, legal or financial information, and unlimited phone counseling for beneficiaries. Learn more.
• Funeral Prep is an online portal that provides a breadth of resources, Lincoln Funeral Prep can help with at-need planning or pre-planning — 24 hours a day. Learn more.

Fidelity Investments Goal Booster^sm
Help save yourself from an unexpected expense and the worry that goes with it. Some emergencies are just so much easier to handle if you’re ready for them. Fidelity Investments makes it simple and easy to get started. Set it and forget it. Put money aside, even a small amount, at a frequency you choose. Click here to get started.

Purchasing Power
This program makes it easy to get the products you need and pay for them over time, directly from your paycheck. Learn more.

Employee Discount Program
A host of additional discounts, ranging from pet insurance, meals, and oil changes to theme parks and movie tickets are available through Perks at Work.

Dayton Live Exclusive Online Program
This ticketing program gives you access to the best available seats before they go on sale to the public – and often at a discount! Click here to visit Premier Health Company Exclusives Online. 

Click here to view your 2026 Benefit Carrier Contacts and Resources