Benefits
Your employee benefits program has been designed to support YOUR WHOLE SELF so you can be YOUR BEST SELF – physically, emotionally and financially. Learn about core benefits here.
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- 2025 Benefits Guide - A detailed walkthrough of your 2025 benefits options and per pay period costs
- Health Plan Cost Estimator Tool
- 2025 Benefits Training-Learn about your benefit options and how to enroll via Workday
- 2025 Medical Summary of Benefits - Health Plan Option 1 ($2,000 Employee/$4,000 Family)
- 2025 Medical Summary of Benefits - Health Plan Option 2 ($4,000 Employee/$8,000 Family)
- COBRA Rate Sheet
- 2025 Early Retiree Guide
Dental Plan Information and Resources
- Dental Provider Finder
- THG Dental Base Plan Summary
- THG Dental Buy Up Summary
- FAQ: Changing from Delta Dental to Anthem for Dental Coverage
- FAQ: Anthem Dental Orthodontic Services
2024 benefits guides & cost estimator tool
- 2024 Benefits Guide - A detailed walkthrough of your 2024 benefits options and per pay period costs
- 2024 Early Retiree Guide
- Health Plan Cost Estimator Tool
- The Heritage Group 2024 Benefits & Well-Being- This video-based training resource includes a detailed review of your 2024 Open Enrollment benefits options. Go at your own pace and learn more about what's new for 2024
- HSA Seed Money Deposit Schedule (2024) - If you enroll in our health plan and open an Optum Health Savings Account (HSA), your employer deposits free "seed money" to your account
- Frequently Asked Questions About Open Enrollment
- Tobacco Surcharge - If you or your spouse are enrolled in our health plan and use tobacco products, a monthly surcharge applies. Thinking about kicking your habit? Sign up for our free, confidential Freedom from Smoking Plus Program (not just for smokers!)
GENERAL INFORMATION
- List of Qualifying Life Events - These allow you to change benefits selections outside of Open Enrollment
- Coordination of Benefits - How primary and secondary health insurance works together
- Covering Your Domestic Partner - Under your health, dental, and/or vision plans
- Medicare - What you need to know about Medicare in simple, practical terms
- Supplement to Medicare - FAQs
- 2025 COBRA Rates
- Beneficiary Designations
- Benefit Information for Exiting Employee
Supporting your physical health and emotional well-being
HIGH DEDUCTIBLE HEALTH PLANS
- Your Anthem Nurse - free, 24/7 access to a dedicated, specially trained health guide if enrolled in a Heritage health plan (1-844-441-1513)
- Anthem Preventive Care Benefits
- Anthem Find Care - Web tool
- Anthem Travel and Lodging Claim Form
- 2025 Anthem Medical Plan Summary of Benefits and Coverages ($2K-$4K Plans)
- 2025 Anthem Medical Summary of Benefits ($2K-$4K Plan)
- 2025 Anthem Medical Plan Summary of Benefits and Coverages ($4K-$8K Plans)
- 2025 Anthem Medical Summary of Benefits ($4K-$8K Plan)
- 2024 Anthem Medical Plan Certificate of Coverage ($2K-$4K Plans)
- 2024 Anthem Medical Plan Certificate of Coverage ($4K-$8K Plans)
Health Savings Account (HSA)
- Optum Bank via Empower (login required)
- HSA - Learn how to put your HSA to work!
- HSA Investment FAQ - Get answers to your questions about investing HSA funds
FAMILY-FOCUSED and reproductive health benefits
- Maternity Grant Program Information (2024) provides funding to help offset prenatal and delivery costs for your newborn. Submit your completed Maternity Grant Request Form to Employee Hub.
- Carrot offers comprehensive, confidential and affordable reproductive health care benefits - up to a $20,000 lifetime max - including fertility, adoption and more.
Prescription drug benefits
Critical Illness coverage and Accident insurance
- $5,000 Employer-Paid Critical Illness Benefit Overview
- $5,000 Employer-Paid Critical Illness Benefit: Unum Plan Document
- Employer-Paid Critical Illness Amendment
- $10,000 Employee-Paid (Voluntary) Critical Illness Benefit Overview
- $10,000 Employee-Paid (Voluntary) Critical Illness Benefit: Unum Plan Document
- Accident Insurance Benefit Overview
- Accident Insurance Plan Document
Limited Health Flexible Spending Account (FSA) for dental and vision expenses only
- FSA Overview
- FSA Eligible Expenses List
- File a Claim (login required)
Securing your financial well-being
401(k) retirement savings
- Empower Retirement (login required) - for each dollar you contribute of your eligible pay up to 6%, the Company generously matches with $1.17
- 401(k) Summary Plan Description (SPD)
Short- and Long-term disability
- Short-Term Disability: Unum Policy
- Short-Term Disability Highlights: Hourly Employees
- Short-Term Disability Highlights: Salaried Employees
- Long-Term Disability: Unum Policy
- Long-Term Disability Highlights
Life insurance
- Basic Life & Supplemental Life Insurance: Unum Plan Highlights
- Basic Life & Supplemental Life Insurance: Unum Policy
- Proof of Good Health (Evidence of Insurability) Process
CYBERSECURITY & IDentity theft protection
Dependent Care Flexible Spending Account (FSA)
- FSA Overview
- File a Claim (login required)
IMPORTANT NOTICES & DISCLOSURES
- Medicare Part D Notice & Creditable Coverage
- Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
- Health Insurance Marketplace Coverage Notice
- The Heritage Group Health Plan Document and Summary Plan Description
- Women's Health and Cancer Rights Act (WHCRA) Notice
- 2025 HIPAA Notice
- 2025 Summary Annual Reports - Benefits & 401(k)
- 2025 Summary Annual Reports
- 2025 401(k) Safe Harbor Notice
- The Uniformed Services Employement and Reemployment Rights Act
- Anthem - Access Machine-Readable Files (search 35-1799877)
