Employee Benefits

Download Benefit Guide Decision Support Tool

Benefits Annual Enrollment 2024

As a valued teammate, you help shape and impact the quality of life for people throughout our company and our communities. 

As a team member you play an important role in our mission to lead healthcare transformation. Our company’s high quality, comprehensive benefits are among the rewards you receive in return. These benefits are an important part of your total compensation, and our benefits program provides choice and value to meet the needs of our diverse workforce. 

Choosing benefits can be overwhelming. We have equipped you with a 2024 Benefits Guide and this site which include tools and information to help you make the right choices for you and your family. They both offer comprehensive overviews of your health and welfare benefits and options, including details about eligibility, enrollment, and the plans available to you and your covered dependents. 

Your well-being is about more than just physical health. It includes your emotional, financial, and social wellness too. No matter where you are on your health and wellness journey, we are here to support you. 

Your Benefits Team

Insurance Terms

The plan’s share of the cost of covered services which is calculated as a percentage of the allowed amount. This percentage is applied after the deductible has been met. You pay any remaining percentage of the cost until the out-of pocket maximum is met. Coinsurance percentages will be different between in-network and non-network services.

  

A fixed amount you pay for a covered health care service. Copays can apply to office visits, urgent care or emergency room services. Copays will not satisfy any part of the deductible. Copays should not apply to any preventive services.

The amount of money you pay before services are covered. Services subject to the deductible will not be covered until it has been fully met. It does not apply to any preventive services, as required under the Affordable Care Act.

All plans are required to have an unlimited lifetime maximum. 

A provider who has a contract with your health insurer or plan to provide services at set fees. These contracted fees are usually lower than the provider’s normal fees for services.

The most you will pay during a set period of time before your health insurance begins to pay 100% of the allowed amount. The deductible, coinsurance and copays are included in the out-of-pocket maximum.

A process by your health insurer or plan to determine if any service, treatment plan, prescription drug or durable medical equipment is medically necessary. This is sometimes called prior authorization, prior approval or precertification.

The amount paid for medical services in a geographic area based on what providers in the area usually charge for the same or similar service.

Medical

The foundation of your plans to protect your family’s health.

Dental

Help you plan and budget for the costs of dental care.

Vision

Offset your costs for routine eye exams, glasses, contact lenses.

Life and AD&D

Financial security for the people who depend on you. The company provides basic life insurance of $25,000 at no cost to you.

Short-Term Disability

Replaces a portion of your pre-disability income during the initial weeks of a non-work related illness or injury.

Long-Term Disability

Replaces a portion of your pre-disability income during long-term recovery from a non-work related illness or injury.

Accident

Off-the-job accident insurance will reimburse expenses you incur from an accident or injury whether it is a simple sprain or something more serious.

Retirement

Your employer handles the administration and general expenses. Employer Match: 100% up to 3% plus 50% of deferrals on 3%-5% of compensation (max 4%).

HSA

HSA dollars can be used to pay for qualified medical expenses
such as deductibles, copays, dental, and vision care.

Teladoc Health

Teladoc gives streamlined member access to quality care with high member satisfaction.

EAP

Employee Assistance Program providing help, tips, assistance, guidance, support, and advice.

Cancer Care

The CancerCare+ Program is a free, fully integrated cancer solution included in YOUR health plan.

Husk Nutrition

Provides access to discounted gym memberships at popular fitness, weight loss, and wellness programs nationwide.

Kisx Card

Direct contracting that helps connect plan members with healthcare providers who offer transparent bundled prices for services.

eHealth

A referral program that provides employees who separate from employment an avenue to learn about, shop for, and enroll in alternatives to COBRA.

Financial Wellbeing

Join Gallagher Retirement Plan Consultants for the 2024 webinar series, and get a little better with your finances each month.

Garage Gear

A benefit for all etrailer teammates; we find joy in the journey. No matter the adventure, we’ve got gear to get you out there doing thet hings.

Pharmacy Resources

Our goal is to offer you efficient, affordable pharmacy benefits with dedicated support.

Enroll and Manage Benefits Here

Self Enroll Online

Enroll Online

Registration Links

UMR Principal

Once logged in go to the Benefits tab > Benefits Enrollment.

Please use the Principal link to register for Dental and Vision, and the UMR link to register for Medical.