Enrollment 2025

Benefit Guide

Annual Enrollment is Now Open!

Open Enrollment is 11/15/2024 – 12/1/2024

  
Enroll Now

For help with benefits login or plan inquiries, contact enrollment counselors at (314) 788-6993 Monday to Friday, 9am-6pm EST.

Review Your Benefits Today

Benefits 2025

As a valued employee, 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 2025 Benefits Guide and this site which includes 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.

Medical

2 options for medical coverage for you and your loved ones.

Dental

We partner with Sun Life to offer you comprehensive dental coverage.

Vision

Vision insurance is offered through Sun Life Vision Care.

Hospital Indemnity

Hospital indemnity insurance provides direct payments
if you are hospitalized.

Critical Illness

Critical illness insurance provides direct payments to you if you are diagnosed with a covered critical illness

Accident

Accident insurance provides direct payments to you in the case of an off-the-job accident

Life and AD&D

A hybrid insurance policy that provides a death benefit to beneficiaries while also offering coverage for long-term care expenses.

Disability

Financial safety net that provides income protection in the event of a covered illness or injury that prevents an individual from working.

HSA/FSA

An FSA is a pre-tax account for medical expenses, while an HSA is a tax-advantaged savings account for individuals with high-deductible health plans.

Legal

Coverage for legal expenses and services, providing individuals with financial protection and access to legal representation.

Cancer

Financial assistance for medical expenses and related costs specifically associated with a cancer diagnosis and treatment.

Parking/Transit Reimbursement

Plan only open for open enrollment and will be closed to new hires throughout the year.

Enroll In Your Benefits Online

Login to your benefits using the “Enroll Online” button below. If you are a new user, you will need to select “Register as a New User”, then you will be prompted to fill in your First/Last name, the Company Identifier “PromptCare”, the PIN which is the last 4 digits of your SSN, and then your birth date (mm/dd/yyyy).

If you have trouble logging into your benefits or have questions about the plans outlined here, call our dedicated enrollment counselors at (314) 788-6993 for assistance. The call center is open between 9am-6pm EST, Monday – Friday.

Enroll Online