Open Enrollment is right around the corner! Take advantage of this time to learn more about the benefits offered by IPS to determine which benefits best fit the needs of you and your family.
IPS strives to not only choose competitive benefits plans that are affordable, but also find programs that encourage wellbeing to keep you and your family healthy. It is important for you as a consumer to be aware of how to best utilize your benefits, so you are getting the best care.
Employee benefits are a valuable resource to support your family’s health and wellbeing. It is important to know your options, ask questions, and make the choices that are right for you.
During Open Enrollment you can:
2024 Unmatched Employee Experience (UEE) Guide and Rate Sheets:
Have questions regarding Open Enrollment or IPS benefits?
Non-union employees who cannot attend an on-site meeting, are remote workers, or whose spouses would like to learn more about IPS benefits can register for an educational webinar. Registration will open the week of 10/16 and will be offered at these times:
Use our convenient scheduling tool to pre-schedule a one-on-one meeting with a member of the HR Team for assistance with the following:
Before Open Enrollment Begins:
After Open Enrollment Begins:
Get a head start on the Open Enrollment process by reviewing your information in IPS Connect (through ADP) IPS Connect. Login today to review your current benefit elections, personal information, beneficiary setup, and more.
Having trouble logging into IPS Connect?
Try using the “Forgot Your User ID” or “Forgot Your Password?” features or contact the HR Team.”
Review and Update Your Personal Information
Myself > My Information > Profile to…
Review current benefit elections:
Myself > Benefits > Enrollments
Add Dependent(s) and/or Beneficiary Information:
Myself > Personal Information > Dependents & Beneficiaries
Review 401k plan, including beneficiary for IPS Employees:
Myself > Benefits > Retirement Savings
Once in the 401k system, use the tool bar on the left to select My Account > Manage My Beneficiaries.
Note: For TAW employees, visit www.oaretirement.com or call 1-800-858-3829.
Q: What do I need to do?
Evaluate your current benefit needs. Once Open Enrollment begins, log into IPS Connect to enroll in or decline benefit offerings.
Q: What happens if I don’t do anything during open enrollment?
This is a PASSIVE enrollment, which means that most, but not all benefit elections will roll over from year to year. You are required to re-enroll in the following benefits every year:
No Re-enrollment = No Benefits
Q: What plan changes should I be aware of?
Beginning January 1, 2023, IPS medical, dental and vision plans will be provided through CIGNA. If applicable, all other plan changes will be discussed during on-site education meetings, live webinars, and in the UEE guides.
Q: Can someone help me choose the right benefits?
We can try! Contact the HR Team, 864-451-5606 or email@example.com, if you have questions about how each benefit works. We will do our best to help guide you through scenarios and ask questions that can help you make your decisions.
New this year – contact CIGNA’s pre-enrollment line to work with a CIGNA representative who can help you decide which coverage is best for you and your family 888.806.5042
Q: What if I make a mistake with my enrollments? Will I be able to fix it after open enrollment closes?
Yes. We do allow employees to make corrections to elections, but you must do so before December 15.
Corrections must be made by contacting the HR Team, 864-451-5606 or firstname.lastname@example.org. You cannot make changes through the enrollment platform after November 22.
Please note, the correction period is not an extension of the open enrollment period. Only corrections will be accepted during this time.
Q: I noticed on my first paycheck in January that my elections are wrong. What do I do?
Contact the HR Service Team immediately! We will do our best to help get your election corrected.
Coinsurance – The percentage paid for a covered service, shared by you and the plan, once you have met your deductible. You are responsible for coinsurance until you reach your plan’s annual out-of-pocket maximum.
Co-payment – The fixed dollar amount that you pay for specific medical services.
Deductible – The amount you pay each calendar year before the plan begins paying benefits. Not all covered services are subject to the deductible. For example, the deductible does not apply to preventive care services. If you enroll in the Consumer Driven Plan, full prescription costs apply to your deductible.
Out-of-Pocket Maximum – The maximum you’ll pay for healthcare expenses in a calendar year.
Emergency Room Care – Care received at a hospital emergency room for life-threatening conditions.
In-Network Care – Care provided by contracted doctors within the plan’s network of providers. This enables participants to receive care at a reduced rate compared to care received from out-of-network providers.
Out-of-Network Care – Care provided by a doctor or at a facility outside of the plan’s network. Your out-of-pocket costs may increase, and services may be subject to balance billings.
Preventive Care – Routine healthcare, including annual physicals and screenings, to prevent disease, illness, and other health complications. In-network preventive care is covered at 100%.
Telehealth – Provides 24/7 access to a licensed physician by phone or live via phone or tablet.
Urgent Care – Visit urgent care for sudden illnesses or injuries that are not life-threatening. Urgent care centers are helpful when care is needed quickly to avoid developing more serious pain or issues.
Premium – The amount you pay through payroll deduction for benefit enrollments.
Evidence of Insurability – a record of past and current health evens used by insurance providers to verify whether a person meets the definition of good health.
Group Term Life (GTL) Tax – Employees must pay tax on the amount of the Company-paid premium for life insurance coverage amounts in excess of $50,000. This is called “imputed income” and is reflected in your paycheck each payday in the “memo” section of your pay stub. The IRS establishes the cost per month for each additional $1,000 of coverage based on age.
What should I do if I have a qualifying life event and need to make changes outside of Open Enrollment?
What is the dependent verification process?
What is a lawful dependent?
When does Open Enrollment occur?
How do I find in-network providers for Medical, Dental & Vision?
Will I receive ID cards for each plan enrollment?
What are tax-advantaged accounts?
How do I qualify for a tax-advantage account?
How do I contribute to my tax-advantaged account?
How can I use my tax-advantage account?
What happens if I don’t use the money I’ve contributed by the end of the year?
Beneficiary & Dependent – what’s the difference?
What information do I need to add a beneficiary in IPS Connect?
What information do I need to add a dependent in IPS Connect?
What does primary and contingent/secondary beneficiary mean?
How many beneficiaries can I have?
Basic Life Insurance vs. Voluntary Life Insurance:
What does ‘guarantee issue amount’ mean for voluntary life insurance?
How much does voluntary life insurance cost?
Does AD&D only cover a work-related accident?
Could my beneficiaries receive payment from both my life insurance coverage & AD&D insurance if something happens to me?
What is Evidence of Insurability?
When is EOI required?
How does EOI work?
When is my benefit effective if EOI is required?
How do I take advantage of the Tuition Reimbursement Program?
Provider: Express Scripts
Access your pharmacy benefits to price a drug, schedule mail order, and view your claims.
Provider: MD Live through the Cigna Health Plan
Website: https://myCigna.com, Then select “Talk to a doctor”
Phone: 800-493-1981 ext: 32345
Provider: Health Advocate
Provider: The Work Number
Provider: IPS Connect through ADP
InsurChoice powered by NFP
InsurChoice powered by NFP makes shopping for home, auto and other insurance policies easy. Work with an NFP insurance specialist, for free, to get competitive quotes today. This service is available to all IPS employees.
LifeMart offers 100s of discounts that help you save time and money on the things you want most, from every day needs to one-of-a-kind purchased. You’ll find a large selection of discounts on products and services from brands you know and love. Plus, great savings on Hotels, Car Rentals, Electronics, Groceries, Gyms, Food Services, Child Care and much more!
Log into IPS Connect or download the LifeMart mobile app to access savings today!
Navigate to Myself > Benefits > Employee Discounts – LifeMart
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Real brands. Real discounts. Real easy.
Log into myCigna.com and navigate to Healthy Rewards Discount Program or call 800.870.3470.
Eating nutritious food can make a difference in your health, whether recovering from an illness or injury, managing a health condition, or just looking to stay fit.
AVAILABLE TO CIGNA® MEMBERS THROUGH THE HEALTHY REWARDS PROGRAM**
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IPS Employees are eligible for a 17% discount with Verizon Wireless.
Feel free to contact the HR Team by phone, e-mail, or via the booking tool to schedule a one-on-one meeting!
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