Got a Question? We've Got Answers!
Were you looking for information about Workday? Find your answers here.
Changing from Delta (2024) to Anthem (2025)
How do I check to see if my dentist is in the Anthem-Dental Complete Network?
To see if your current dentist is in the network go to:
- Visit: https://www.anthem.com/find-care
- Select “Basic search as guest”
- Under select the type of plan or network, choose "dental plan or network"
- Under Select the state choose Indiana
- Under Select a plan/network choose "Dental Complete". Hit Continue button
- Search based on type of provider or facility, locations near you or by a provider’s name
- View our results and find out about the providers training, languages spoken, location and phone number
If you have trouble navigating the search tool, call 1-877-604-2142
What if I do not find my dentist in the search tool?
Call your dentist office and confirm whether they are in the Anthem-Dental Complete Network. This is also your opportunity to ask them if they would consider exploring joining the Anthem-Dental network.
My Dentist is not in the Anthem-Dental Complete Network. Now what?
While The Heritage Group dental plans provide adequate coverage for out-of-network services, we encourage you to find an in-network provider, when possible, to ensure you are receiving the best possible coverage available through the insurance network from a financial perspective and to avoid any additional billing that can result when going out-of-network.
However, we also encourage you to contact your dentist directly and understand how your dentist has worked with patients in similar circumstances in the past. You can ask them to have a better understanding of cost to expect to be billed for services. You can also ask them to consider joining the Anthem-Dental Complete Network. We encourage you to start these conversations sooner rather than later, so you have time to find a new provider and get in their scheduling queue.
While Anthem will be proactively reaching out to ask your dentist to join the network, we also encourage you to complete the provider nomination form linked here to begin the nomination process.
Why am I at risk for being billed directly from the dentist when using an out-of-network Dentist?
Unlike in-network dentists, out-of-network dentists may send you a bill and collect for the charge that exceeds Anthem’s Maximum Allowed Amount. You are responsible for paying the difference between the Maximum Allowed Amount and the amount charged. This amount may be significant. Choosing a Participating In-Network Dentist will likely result in lower out of pocket costs to you.
Anthem Customer Service is available to assist you in determining the Maximum Allowed Amount for a particular service from a Non-Participating Dentist. For Anthem to assist you, you will need to obtain the specific procedure code(s) from your Dentist for the services the Dentist will render. You will also need to know the Dentist’s charges to calculate your out-of-pocket responsibility. Although Customer Service can assist you with this pre-service information, the Maximum Allowed Amount for your claim will be based on the actual claim submitted by the dentist.
Will I need to present an insurance card when going to the dentist?
Yes, with Anthem you will be required to share your card at point of service. You will receive a new card in the mail from Anthem in the coming months. If you are on the medical plan, you will get a combined medical/dental card. If you take dental ONLY, you will receive an Anthem card for dental. Anthem’s cards are sent in an unmarked envelope.
Where can I find out what is covered under the new plans?
While dental plan deductibles, annual plan maximums, in-network and out-of-network cost share remain unchanged, there are a few changes with the new plans with Anthem. For a comprehensive list please refer to the Summary and Certificate Documents.
How are my current and historical orthodontia benefits impacted?
The lifetime maximum amount of 50% up to $1500 for orthodontia coverage for dependents up to age 19. If you are currently in treatment for orthodontia services and have not yet met the lifetime maximum allowed amount you will be eligible for the remaining balance under the Anthem plan. If you have already met the ortho maximum, you will not be newly eligible under the Anthem plan. For more information on specifics of orthodontia coverage view this resource.
Anthem Dental Orthodontic Services
Proper tooth alignment is important not only for a beautiful smile, but also for function. When teeth are aligned, it’s easier to chew and talk. And it’s also important to correct and guide tooth and jaw development as a child grows, to ensure a healthy and functioning smile for adulthood.
What are Orthodontic Services?
Orthodontic services, often referred to as “ortho,” are services, treatment and procedures used to correct misaligned teeth. These services can include braces, retainers, and other orthodontic appliances.
Who is eligible for orthodontic services?
Dependent children up to the age of 19 are eligible.
How much is covered by the plan?
Orthodontic services include a lifetime maximum benefit of $1,500 per eligible dependent. There is no deductible for orthodontic services.
Do I need a referral to visit an orthodontist?
No referral is necessary to visit an orthodontist. To find a participating Anthem orthodontist, go to www.anthem.com or call their Customer Service Department at 1-877-604-2142
How will orthodontic services be paid?
Anthem requires your dentist to submit an orthodontic treatment plan. When orthodontic treatment starts, Anthem will pay a percentage of the total fee. They will continue to make payments based on the type of treatment or until the lifetime orthodontic maximum is reached. Payments will be made quarterly.
How are my current and historical orthodontia benefits impacted?
The lifetime maximum amount of 50% up to $1500 for orthodontia coverage for dependents up to age 19. If you are currently in treatment for orthodontia services and have not yet met the lifetime maximum allowed amount you will be eligible for the remaining balance under the Anthem plan. If you have already met the ortho maximum, you will not be newly eligible under the Anthem plan. For more information on specifics of orthodontia coverage view this resource.
What if ortho treatment has already begun under a different carrier?
If your child is in the middle of an active orthodontic treatment, like having bands placed, Anthem will need you or your orthodontist to mail a copy of the original orthodontia claim to the address listed on the back of your ID card. It should include
- treatment type (procedure number)
- total fee for the treatment
- number of months treatment will take place
- the orthodontist’s signature.
The amount Anthem will pay is based on the number of months of active treatment you have left. Anthem will subtract the amount you’ve already paid, then divide what you still owe by the number of months left in the treatment.
If my child turns 19 while undergoing treatment, will my benefits continue?
Yes, if the child has been banded prior to age 19.
How can I find out what is covered under my plan?
For more information on what’s covered by the plan, please refer to the Summary of Dental Plan Benefits and Certificate.
Fertility and Family-Focused Benefits from Carrot
Carrot offers comprehensive, confidential and affordable reproductive health care benefits - up to a $20,000 lifetime max - including fertility, adoption and more.
What is Carrot?
Carrot is our trusted provider of fertility and other reproductive health services. New in 2023, this benefit reflects our company’s focus on family, providing financial assistance (a $20,000 lifetime maximum) for eligible care and services. These can include (but are not limited to): egg or sperm preservation, in vitro fertilization, adoption, surrogacy and donor assistance.
What is Carrot Rx?
Carrot Rx fills prescriptions and delivers supplements and vitamins that have been recommended by a provider.
This service offers:
- Savings on fertility medications, plus the ability to order prescriptions for 1–2 weeks of your cycle at a time
- Convenience of free, same-day and next-day delivery of fertility medications
- Clear instructions, educational content and personalized support.
Members may also use Carrot funds at any pharmacy.
Why would I access Carrot benefits?
With comprehensive, confidential and affordable reproductive health care benefits from Carrot, you can embark on the journey to start or expand your family in your own way, in your own time. Carrot will also reimburse travel expenses for reproductive health procedures not covered by insurance, including elective abortions, that require travel in excess of 75 miles one way.
Who is eligible for Carrot benefits?
Any benefits-eligible employee (who is covered by an employer-offered health plan [ours or spouse’s or domestic partner’s]) may receive expert assistance and services from Carrot. Covered dependents are not eligible for family-focused care and travel expense reimbursement
How do I get started?
First, get acquainted with Carrot. Review your Carrot Benefit: Plan Summary (on your Total Rewards & Benefits Portal > Benefits.) to learn about eligible care, services and support. Then, when you’re ready to start the journey and create a Carrot Plan, visit get-carrot.com/start.
What is a Carrot Plan?
Developed by your Carrot Care Team, it’s a set of personalized recommendations to help you navigate your journey.
Who is the Carrot Care Team?
Two types of experts who can support you:
- Care Navigators, who can help you make the most of your benefit (note: they cannot answer medical questions)
- Specialists, who offer education on fertility health and starting or expanding a family
Can I use Carrot without a Carrot Plan?
Yes. You can get to know Carrot and browse online educational resources without a Carrot Plan.
Can I use Carrot funds at any provider?
No. Carrot funds may only be used for eligible expenses at a provider that Carrot has vetted and determined meets its high standards of practice.
How can I find out if a particular provider is eligible?
You can search for Carrot-eligible providers. If your provider isn't listed, contact Carrot so they can verify that provider’s eligibility before you start.
I’m new to Carrot but already working with a provider. What should I do?
If you are in the middle of care with a provider, contact the Carrot Care Team at get-carrot.com/ employee-support to see if your provider is eligible. If not, Carrot may still approve relevant reimbursements to ensure a seamless transition. All expenses are subject to review and approval by Carrot. Once your treatment has ended, the Care Team can help you find an eligible provider for future care. If Carrot does not approve your provider as eligible, your expenses will not be reimbursed.
How do I pay for care at a Carrot-eligible provider?
You will pay for care or services at the self-pay rate and submit your itemized statement for reimbursement. Your clinic or provider will not bill Carrot directly.
What is a Carrot debit card?
The Carrot debit card is the easiest way for you to access your benefit and pay for services, without the stress of out-of-pocket payments. Apply for a Carrot debit card directly with Carrot once you have discussed your plan of treatment with a Carrot representative. You may also pay with a Carrot debit card.
How do I get reimbursed for eligible care that I have received and paid for?
- Note: You must satisfy a $1,650 (individual) or $3,300 (employee & spouse, employee & children, and family) deductible before you can be reimbursed for qualified medical expenses, if you and/or your employer are contributing to your Health Savings Account.
- Check that your bank account information with Carrot is current.
- Ask your provider for an itemized statement that includes specific details and sometimes additional documents, depending on the care or service you received.
- Upload your itemized statement and any other required documents.
- Answer a few questions, and you’re all set. Your answers help Carrot process your statements quickly and accurately. They will contact you via email if additional details are needed. Some reimbursements may be subject to taxes which will be processed through payroll monthly.
Submit receipts within the benefit year in which care and services were received or, at the latest, within 90 days after the benefit year ends; or 30 days after your employment ends.
How will I know the status of my reimbursement request?
Carrot will notify you via email whether or not your request was approved. If they need more information, they will make that request via email. You may also view your Financial support page or contact your Care Team.
What if I leave my employer mid-treatment?
If you leave your employer, you have 30 days after your Carrot benefit ends to submit your itemized statements for expenses incurred during participation in the plan. No covered expense incurred after employment termination will be reimbursed. If your account is deactivated before you can upload your statement, contact Carrot at [email protected].
Will using Carrot affect the amount of income taxes I pay?
Yes. Funds used through Carrot may be considered additional income and subject to tax withholding, which will be reflected on your pay statement(s). Depending on such factors as where you live and the care you received, those withheld taxes can decrease your take-home pay – sometimes significantly.
Can I use my HSA funds to pay for care?
Yes, HSA funds can be used to pay for care counting towards your Carrot deductible. However, HSA funds cannot be used to pay for expenses you later submit to Carrot for reimbursement after your deductible has been met.
What is a qualified medical expense (QME)?
In the U.S., qualified medical expenses (QMEs) are specific medical costs that fall within the Internal Revenue Code section 213(d) definition of medical expenses. In many cases, reimbursement for QMEs is tax advantaged. For full details on which expenses are considered QMEs, we recommend visiting your benefit guide.
What is a Carrot deductible?
For QMEs, you’ll need to meet an annual deductible separate from your health plan’s deductible before Carrot covers care. It is $1,650 for individuals and $3,300 for families.
When does the Carrot deductible apply?
Carrot functions as a health reimbursement arrangement (HRA) when you seek reimbursement for qualified medical expenses (QMEs). Due to Internal Revenue Code requirements, if you choose a high deductible health plan (HDHP) — a plan with a deductible of at least $1,650 (individual) or $3,300 (family) — with a health savings account (HSA), QMEs will be subject to a minimum deductible that must be met before your Carrot benefit covers care. This deductible is required to preserve your HSA eligibility. For reimbursements that aren’t considered qualified medical expenses, the Carrot deductible doesn’t apply. No other health plan designs carry a Carrot deductible and can ignore the rest of this page.
What happens when I meet my Carrot deductible?
Once you have met the IRS minimum annual deductible for an individual or family HDHP, Carrot will reimburse you for subsequent eligible expenses according to your plan.
Will qualified medical expenses I incur before meeting my health plan deductible count towards my Carrot deductible?
Yes. Progress made towards satisfying your health plan deductible will automatically be applied to your annual Carrot deductible. When you register for your Carrot account, you will be able to provide your medical plan information in order to sync your medical plan deductible progress.
For which combinations of health plan and care does my Carrot deductible apply?
Type of care HDHP with HSA Other plans Qualifying medical expense Minimum of $1,650 deductible for individuals and $3,300 deductible for families No deductible Other expenses No deductible No deductible
Form W-2
When will I receive my Form W-2?
Form W-2s are required to be distributed by January 31. If January 31 falls on a weekend, the following Monday is the deadline. Please wait to contact the HR Shared Services team with inquiries about paper Form W-2s until mid-February. Remember that you can download an electronic copy of your Form W-2 any time.
How can I obtain an electronic copy of my Form W-2?
You can download an electronic copy of your Form W-2 through Ceridian's website. For step-by-step instructions, log in to Employee Self-Service and click the Payroll tile then click the W-2 Reporting tile.
Why doesn’t my Form W-2 Wages and Compensation match the gross amount on my last paycheck of the year?
Not all earnings that you have been paid are taxable. Your total earnings are reduced by 401(k) contributions and certain elected benefit contributions to determine the amount that is taxable. Your Form W-2 Box 1 Wages, Tips and Other Compensation is your taxable income.
Can I use my last paycheck of the year to file my personal income taxes?
Employees should use an employer-issued Form W-2 rather than a final paycheck to complete their tax return. This will ensure that any necessary adjustments have been made and the Form W-2 will show the final taxable earnings amount.
Can I access Form W-2s from prior years?
Yes, all documents from the last seven (7) years are available through the system. Select the appropriate year from the drop-down menu to view documents available for each year.
Can I request an electronic copy of my Form W-2 be emailed to me?
No. A copy of your Form W-2 will be mailed to you or you may download an electronic copy yourself. Over the last few years, fraud has been on the rise. The Form W-2 contains personal identifiable information, such as your Social Security Number. We do not email sensitive documents that put our employee data at risk.
How can I safeguard my information once I have downloaded It?
Remember that Form W-2 contains personally identifiable information and should be protected. It is not recommended you download the form on a shared or public computer or network. Once downloaded, log out of Ceridian, close your browser, clear your browser history, and be sure to store the document in a protected area. If you must email it for any reason, be sure to password protect the document before sending. Store all personal documents safely and securely
What do I do if I have trouble downloading my Form W-2 or if it is not appearing in the system?
If you have questions or experience issues with the W-2 download process, please contact [email protected] or call 800-303-0408.
One Heritage Fund Grant
What is the ONE Heritage Fund?
It was created to help employees who are facing financial hardship immediately after a natural disaster or an unforeseen personal hardship. The ONE Heritage Fund relies primarily on individual donations from employees and support from The Heritage group to fund this program. Every contribution helps and when combined with the donations of others, can provide a taxfree grant to help a fellow employee in need when they are facing the unexpected.
Who can apply for assistance from the fund?
Applicants must be:
- Employed by The Heritage Group or its affiliates on the date of the application
- Regularly scheduled to work 10 or more hours per week: or
- On approved medical leave or an approved leave of absence for no more than one year
How large of a grant can I apply for?
The maximum amount available for each incident is $5,000 and the minimum amount that can be requested is $500
What are the criteria to qualify for a grant?
While there are many factors which determine if a grant can be made, the review process is designed to try to make each grant when possible. To meet regulations, the objective review process is complex so the simplest first step is to determine if your situation meets the most basic criteria by answering the follow questions:
- Did one of the funds events in the chart below happen to you?
- Would your application meet the following general criteria? a. Are you applying within 180 days after the Event? b. Application submissions are limited to 1 every 12 months. c. If an application is not approved, you must wait 6 months before reapplying.
- Did you have one or more of the Expenses related to the Event that’s part of the fund criteria in the chart below?
- Do you have the documentation for the Event and Expenses which provide the necessary details such as date of the expense, person responsible for bill and other details listed in the application?
- Is the event documentation within 60 days of the Application date?
- While there are some additional criteria, applications that do not meet these basic criteria cannot be approved.
The Qualified Events/Expenses Matrix below is a complete listing of Events and Expenses. The Expenses which are eligible depend on which Event occurred and the “√” indicates which expenses are associated with each Event.
[image placeholder]
Medicare, HDHPs and HSAs
Can anyone participate in the High Deductible Health Plan (HDHP)?
Yes, you can participate in the HDHP even if you’re eligible for or enrolled in Medicare. The same is true for your spouse or domestic partner or dependent(s). If you are enrolled in Medicare or a non-Health Savings Account (HSA)-eligible health plan (like a spouse’s traditional health plan), you should be aware that these plan(s) affect your eligibility to make tax-free contributions to an HSA and have tax implications on Company contributions or “seed money” (see below).
If I enroll in the HDHP, am I eligible for Company contributions to my HSA?
Yes, you are always eligible for Company contributions if you enroll in one of the HDHPs. However, the taxability of these contributions depends on whether you are covered by Medicare or another nonHSA-eligible health plan.
- If you are not covered by Medicare or another non-HSA-eligible health plan, the Company contribution is tax-free to you (as long as you use it on qualified health, dental or vision expenses).
- If you are covered by Medicare or another non-HSA-eligible health plan, the Company contribution is taxable income to you in the year in which it was deposited into your account. You will need to withdraw that money from your HSA and report it as income when you file your tax return. Please consult your tax advisor for more information.
Am I eligible for Company contributions if my spouse or domestic partner or dependent is enrolled in Medicare?
You are always eligible for Company contributions if you enroll in one of the HDHPs. As long as you are not covered by Medicare or another non-HSA eligible health plan, these contributions are tax-free to you, even if your spouse or domestic partner or dependent is covered by Medicare or a non-HSA eligible health plan.
If my spouse or domestic partner or dependent is covered by Medicare and the HDHP, may I use my HSA to pay for qualified expenses?
Yes. If your spouse or domestic partner or dependent is also covered by an HDHP, you may pay for their out-of-pocket expenses with your HSA. Retain all receipts for your records.
May I contribute money to my HSA if I’m enrolled in Medicare?
No. If you are enrolled in Medicare Part A, B, C or D, you are not eligible to contribute new funds to your HSA. However, you are able to use existing funds in your HSA to pay for qualified health expenses.
What can I use my HSA for when I’m enrolled in Medicare?
After you enroll in Medicare you can use your HSA to pay Medicare premiums, Medicare Advantage premiums, deductibles, copays for medical and prescription drugs and coinsurance under any part of Medicare, but you cannot use your HSA to pay for Medigap (supplement) premiums. You can also use your account tax-free to pay for such qualified health expenses as dental and vision.
What about collecting Social Security benefits before retirement?
If you are working at age 65 or after and decide to begin receiving Social Security monthly benefits, according to IRS rules, you cannot contribute to your HSA from the later of:
- Your 65th birthday or
- The date that is 6 months prior to receiving your first Social Security benefit payment
Depending on your retirement date, the Company will make up to four quarterly contributions to your HSA each year. In order for this money to be tax-free, your first Social Security benefit payment must be received more than 6 months after it is deposited into your HSA.
If you are planning a mid-year retirement, please note that you may front-load your HSA prior to the start of the six-month window. Contact HR Shared Services with questions.
TIP: If your first Social Security benefit is received within 6 months of receiving the Company contribution, you must withdraw that money along with any money you may have contributed to your HSA through payroll deductions during the 6-month window. The seed money and any payroll deductions that you withdraw from your HSA will be considered taxable income to you.
Where can I find more information on Medicare?
Please refer to www.medicare.gov for details. The site covers enrollment, costs, plan details (services included), drug coverage (Part D), insurance supplements and more. You can also call Medicare at 1- 800-633-4227 for more information or help enrolling.
Let Anthem help!
We’ve partnered with Anthem to provide employees with a free, personalized Medicare plan recommendation based on your costs, doctors, prescriptions and where you receive care. Call: 1-888- 280-5845 (TTY: 711), 8 am to 8 pm, Monday - Friday or visit www.anthem.com/movetomedicare.
For more information, visit www.medicare.gov or consult with a tax professional.
