Transcription
2022EmployeeBenefits
2022 EMPLOYEE BENEFITSWelcome to Choctaw Nation ofOklahoma’s Benefits GuideChoctaw Nation of Oklahoma is committed to providingour associates and their families with a comprehensivebenefits program that combines a core level ofprotection with a variety of optional benefit choices.These benefits help to keep you healthy and secure whileproviding you with peace of mind. Eligible associatesreceive a group of company-paid benefits that areprovided automatically. You can add to that core level ofprotection by choosing additional benefits that fit yourown personal situation.Your benefit needs are just as unique and individual asthe life you lead, and they will more than likely changeover time. Each year, as your needs change, you can puttogether a new package of benefits.If you (and/or your dependents)have Medicare or will becomeeligible for Medicare in the next12 months, a federal law givesyou more choices about yourprescription drug coverage. Pleasesee page 31 for more details. Thereare notes pages in the back of thebook to aid in your selections orkeep track of contact info.Nothing contained in this guide shall be construed to waive the sovereign rights of Choctaw Nation of Oklahoma, any subsidiaries andaffiliates of Choctaw Nation of Oklahoma or any of their respective officers, directors, servants, agents, employees, successor assignees.This guide highlights the main features of Choctaw Nation of Oklahoma associate benefit package. It is intended to provide you with anoverview of your associate benefits. This guide does not include all plan rules and details and should not be considered as a substitutefor plan documents or summary plan descriptions. The terms of your benefit plans are governed by legal plan documents, includinginsurance contracts. Should there be any inconsistencies between this guide and the legal plan documents, the plan documents arethe final authority on the benefit plan. Choctaw Nation of Oklahoma reserves the right to change aspects of its benefits plan, includingpremiums, or to discontinue its benefit plans at any time with a 60-day notice.2
Glossary of TermsIt is important to be familiar with benefit terms to betterunderstand your options. Take a moment to review thesedefinitions, which may be referenced throughout this guide.Coinsurance: The amount (usually a percentage of the claim) shared byyou and the plan, after you have met the deductible.ContentsWelcome to Choctaw Nationof Oklahoma’s Benefits Guide .2Glossary of Terms .3Important Contacts .4Copayment/Copay: A specific dollar amount you pay to receive servicessuch as office visits.Benefits-at-a-Glance .5Covered services or expenses: Services or expenses that your plan covers.Eligibility .6Deductible: The amount you pay each year before your plan beginspaying; office and prescription copays not included.Stay Healthy withMedical Coverage.8Exclusions: Services or expenses that your plan does not cover.Formulary: The list of prescription drugs covered by the plan.Health Savings Account (HSA): An HSA is a personal health care accountfor those enrolled in an HDHP. You may use your HSA to pay for qualifiedmedical expenses such as doctor’s office visits, hospital care, prescriptiondrugs, dental care, and vision care. You can use the money in your HSA topay for qualified medical expenses now, or in the future. Your HSA can beused for your expenses and those of your spouse and dependents, even ifthey are not covered by the HDHP.High Deductible Health Plan (HDHP): A qualified HDHP is defined by theInternal Revenue Service (IRS) as a plan with a minimum annual deductibleand a maximum out-of-pocket limit. These minimums and maximums aredetermined annually and are subject to change.In-Network: A designated list of health care providers (doctors, dentists,etc.) with whom the health insurance provider has negotiated specialrates. Using in-network providers lowers the cost of services for you andthe Company.Out-of-Network: Health care providers that are not in the Plan’s networkand who have not negotiated discounted rates. The cost of servicesprovided by out-of-network providers is much higher for you and theCompany. Additional deductibles and higher coinsurance will apply.Out-of-pocket maximum: Maximum dollar amount that you will pay peryear before the plan begins paying covered expenses at 100 percent. Theout-of-pocket maximum for full-time Select and Choice plans and thevariable hour plan includes the deductible and copays.Preferred Provider Organization: A group of doctors and facilities thatprovide services to patients at a reduced contracted rate. PPO plans allowyou to visit whatever in-network physician or health care provider youwish without first requiring a referral from a primary care physician.Premium: The amount you pay to receive coverage.Preventive Care: Health care services that include check-ups, patientcounseling and screenings to prevent illness, diseases and other healthrelated problems. The US Preventive Services Task Force defines whichservices are considered preventive care. These services are covered at nocost to you.Usual and Customary: The base amount that is treated as the standard ormost common charge for a particular medical service.Teladoc . 10Livongo . 13Wellness . 13Accolade . 14Smile Brightly withDental Coverage . 15See Clearly withVision Coverage . 16Flexible SpendingAccounts (FSAs) . 17Health Savings Account (HSA):High Deductible HealthPlan Only . 20Life Insurance . 22Disability Income Protection . 23Voluntary Group CriticalIllness Insurance . 24Voluntary GroupAccident Insurance . 25Whole Life with Long-TermCare Insurance. 26Employee AssistanceProgram (EAP).27Maternity CARE . 28401(k) Retirement Plan . 29Other Benefits .30Important Notices . 323
2022 EMPLOYEE BENEFITSImportant ContactsIf you have any questions after you enroll, please call the benefit plan providers directly or log on to theirwebsites. See the table below for contact information.BENEFITPHONE NUMBERWEBSITE / hickman@cnhsa.com(RxBenefits/CVS a800-244-6224my.cigna.comVisionVision Service Plan .comOptum Employee EducationAssistance l ree le SpendingAccounts (FSAs)Employee AssistanceProgram (EAP)401(k) Savings Plan401(a) and 457Retirement Plansfor HousingCollege TuitionReimbursementCONTACTAccolade(UMR Medical)Choctaw NationEmployee ss Code: ChoctawShort Term DisabilityGuardianLong Term comEmail: group ltd claims@glic.comLife and AD&DSupplementalEmployee &Dependent LifeInsuranceGuardian800-525-4542Email: group life claims@glic.comAccident &Critical IllnessVoluntary Whole Lifewith Long-Term CareInsuranceGuardianOngoing Claims:800-268-2525Accident & Cancer:800-541-7846Critical Illness:800-268-2525Email: group std claims@glic.comwww.guardiananytime.comEmail: ebh@glic.comUnum866-752-3229www.unum.comCNO Worker’sCompensation580-924-8280Fax: aw Nation of Oklahoma Wellness Center inDurant580-931-8643tlawrence@cnhsa.comBenefits rker’sCompensation4
Benefits-at-a-GlanceChoctaw Nation of Oklahoma takes pride in offering a benefits program that provides flexibility for thediverse and changing needs of our associates. The following is an overview of the benefits provided toeligible associates and their dependents.BENEFITS PLANMedical and PharmacyAccolade SP (Vision Service Plan)Health Care FlexibleSpending Account (FSA)UMRDependent Care FlexibleSpending Account (FSA)UMREmployee AssistanceProgram (EAP)OptumShort Term DisabilityInsuranceGuardianLong Term DisabilityInsuranceGuardianBasic Term Life /AD&D InsuranceOPTIONS Full-Time Select PlanFull-Time High Deductible Health Plan (HDHP)Full-Time Choice PlanVariable Hour PlanOptional dental plan for full-time associates onlyProvides comprehensive, competitive coverage for restorative care and dependentorthodontia Preventive services covered at 100% Optional vision plan for full-time associates only Provides benefits for eye exams, lenses, frames, and/or contacts Set aside up to 2,750 tax-free for eligible health care expenses Full-time associates who are eligible for a medical plan can enroll, regardless of medicalcoverage status Set aside up to 5,000 tax-free ( 2,500 if married and file taxes separately) to pay eligibleday care expenses for your dependents Full-time associates who are eligible for a medical plan can enroll, regardless of medicalcoverage status 24/7 services available to help you and your family with day-to-day work/life issues Licensed counselors available to chat online or meet in person Hundreds of resources and services to assist with things like budgeting, will preparation,elder care referrals, substance abuse, suicide prevention, professional development, healthand wellness, and much more Paid by Choctaw Nation of Oklahoma Pays a benefit if you are unable to work for a short time due to illness or injury; certainlimitations apply Full-time associates: 60% of salary up to 2,500 per week Part-time associates: 70% of salary up to 150 per week Paid by Choctaw Nation of Oklahoma for both full-time associates and part-time associates Provides up to 60% of pay when you are considered disabled according to plan provisionsfor more than 90 days Paid by Choctaw Nation of Oklahoma Full-time associates have term life insurance coverage equal to one times annual basesalary, for a minimum of 50,000 to a maximum of 500,000Guardian All part-time associates who work at least 24 hours per week are provided 20,000 ofterm life insurance coverage Accidental Death & Dismemberment (AD&D) insurance is provided in the same amountas Basic LifeSupplemental Employee Optional associate-paid benefitTerm Life Insurance Associate coverage available in 10,000 increments up to 500,000Guardian No health questions required on amounts up to 150,000 (for those who apply duringinitial eligibility period) Full-time associates and eligible part-time associates who work at least 24 hours per weekare eligible to participateSupplemental Dependent Optional associate-paid benefitTerm Life Insurance Spouse: Up to 50% of the amount associate elected in Supplemental insurance in 5,000increments up to 250,000Guardian Child(ren): 5,000; 10,000 or 20,000 not to exceed 100% of associate’s supplementallife benefit (associate must be enrolled in Supplemental Life insurance to elect childdependent life insurance) Full-time associates and eligible part-time associates who work at least 24 hours per weekare eligible to participate5
2022 EMPLOYEE BENEFITSEligibilityFULL-TIME ASSOCIATESFull Time Associates must enroll in coverage in the first 30 days from date of hire to have benefits electionseffective on the first day of the month following 50 days of continuous service.PART-TIME ASSOCIATESPart-time associates of Choctaw Nation of Oklahoma scheduled to work at least 24 hours a week areeligible for the following benefits on the first day of the month following your initial 11-month waiting period:Long Term and Short Term Disability, Basic Life insurance, and Accidental Death & Dismembermentinsurance. Part-time associates also have the option to elect Supplemental Life insurance and CriticalIllness/Group Accident insurance.VARIABLE HOUR ASSOCIATESUnder the Affordable Care Act, associates who have hours that vary from week to week will be referred to as“variable hour” associates, not full-time or part-time. Starting each October, all variable hour associates willbegin a new 12-month “measurement period” to determine the average number of hours worked per week forthe following plan year. If you averaged 30 hours per week or more between October 1, 2020 and September30, 2021, you’ll be eligible for the Variable Hour medical plan for the 2022 plan year, in addition to the benefitslisted above for Part-Time associates. And if your average is less than 30 hours per week, you won’t beeligible for Choctaw Nation’s health benefits and will need to find other coverage, such as through a spouse,parent or the Health Insurance Marketplace. The measurement period occurs every October 1 to September 30,so your eligibility could change each plan year.If you are a variable hour associate hired throughout the year, you will begin an 11-month measurementperiod on the first day of the month following your date of hire.LATE ENROLLEESIf you do not enroll for coverage within 30 days of your eligibility date, you will be considered a lateenrollee and must wait until the next Open Enrollment period to enroll for benefits, unless you experience aqualified change in family status. Pre-existing condition limitations may apply to some benefits, and somebenefits may require proof of good health if you are a late enrollee.6
DEPENDENT ELIGIBILITYYou may enroll your eligible dependents in thesame plans you choose for yourself. The followingare eligible dependents for benefits coverage: Your legal spouse Your children up to age 26, includingstepchildren, foster children, legally adoptedchildren, children for whom you have legalguardianship, and children placed with youfor adoption Your dependent children over age 26 who aremedically certified as disabledSome dependent benefits may have a lowermaximum age limit. See the specific benefit plandescriptions for further information.MAKING CHANGES DURINGTHE YEARThe choices you make when you first enrollremain in effect for the entire plan year, whichbegins January 1 and ends December 31.Once you are enrolled, you must wait untilthe next Open Enrollment period to changeyour own benefits or add or remove coveragefor dependents, unless you have a qualifiedchange in family status as defined by the IRS.Keep in mind that appropriate documentationis required for any change in status.Examples include, but are not limited to,the following: Marriage, divorce, legal separation,or death Birth or adoption of a child Qualified medical child support order Loss of other health coverageOPEN ENROLLMENT Special enrollment rightsOpen Enrollment is held during the fall each year.You will have the opportunity to change yourbenefit selections once a year during the OpenEnrollment period. The benefits you elect duringOpen Enrollment in the fall will be effective January1st of the next plan year.You have 30 days to make changes to yourcoverage, and any change you make to yourcoverage must be consistent with the changein status.Verification of dependent eligibility (e.g., taxdocuments, copy of marriage certificate, birthcertificate, or other legal verification) is requiredwhen adding dependents to your coverage.7
2022 EMPLOYEE BENEFITSStay Healthy with Medical CoverageChoctaw Nation offers three medical plan options forfull-time associates and their families. These includetwo Preferred Provider Organization (PPO) plans anda High Deductible Health Plan (HDHP). With threeplan options, you can choose the plan that makes themost sense for you and your family’s needs.In order to comply with the Affordable Care Act,Choctaw Nation offers a medical plan to eligiblevariable hour associates. This plan will be availableto associates and their children.At Choctaw Nation we provide our associateswith expert customer support through Accolade.Accolade’s care coordinators can help answerany benefit or healthcare-related questions foryou or your family. Our benefit plans use theUnitedHealthcare Choice Plus network. This nationallyrespected network is also among the largest andmost widely recognized throughout Choctaw Nationof Oklahoma.PRIOR AUTHORIZATION REQUIREDFOR SOME SERVICESImportant: Prior authorization may be requiredbefore benefits will be considered for payment.Failure to obtain prior authorization may result ina penalty or increased out-of-pocket costs. Thephone number to call for prior authorization is listedon the back of the medical plan ID card.HDHP, SELECT & CHOICE PLANS(IN-NETWORK ONLY)The Select, Choice, and High Deductible Health plansoffer associates and their families access to UHC’slargest network with more than 840,000 providers.Out-of-network benefits are not covered except in thecase of emergency. Out-of-network means that theprovider does not have a contract with UMR. If youreceive services from an out-of-network provider, youwill have to pay for the full cost.VARIABLE HOUR PLANThe Variable Hour plan is available to eligible parttime associates. This plan gives you the flexibilityto choose between in-network and out-of-networkproviders. If you choose an out-of-network provider,however, your medical expenses will likely be muchhigher. The medical plan pays a lower benefit, youmust file a claim to receive reimbursement forcovered expenses, and the provider may bill you forany charges above Usual and Customary. To find aparticipating provider, go to member.accolade.comand click Find a Provider or call the toll-free numberthat will be located on the back of your medical IDcard.YOUR COST FOR MEDICALCOVERAGEYour monthly payroll deductions for each plan and coverage category for the plan year are shown in thetable below.Did you know that Choctaw Nation of Oklahoma pays 85% of the cost to provide health insurance forour associates and their dependents? Below is a look at Choctaw Nation of Oklahoma’s average monthlycontribution by tier.MONTHLY RATESWHAT CHOCTAWNATION PAYSHDHPSELECT PLANCHOICE PLANVARIABLE HOUR 96.00Associate Only 672.27 59.33 65.92 93.77Associate Spouse 1,037.71 259.84 288.71 355.55Associate Child(ren)Family8 951.84 134.52 149.47 205.17 1,545.49 269.86 299.85 388.97 284.18
Full-Time AssociatesSEE THE TABLE BELOW FOR A COMPARISON OF PLAN FEATURES:PLAN COMPARISONFULL-TIME HDHPFULL-TIME SELECT PLAN FULL-TIME CHOICE PLANIN-NETWORK ONLYIN-NETWORK ONLYIN-NETWORK ONLYIndividual 2,800 2,250 1,250Family 5,600 4,500 2,500ANNUAL DEDUCTIBLEOUT-OF-POCKET MAXIMUM (INCLUDES DEDUCTIBLE AND MEDICAL AND RX COPAYS)Individual 2,800 4,500 2,500Family 5,600 9,000 5,000100%80%90%CoinsuranceOFFICE VISITSPrimary Care100% after deductible 25 copay 25 copaySpecialist100% after deductible 40 copay 40 copay100%100%100%General Medical100% after deductible 10 copay 10 copayDermatology100% after deductible 40 copay 40 copay100% after deductible80% after deductible90% after deductibleEmergency Facility100% after deductible1st visit: 200 80%2nd visit: 300 80%3rd visit and beyond: 400 80%1st visit: 200 90%2nd visit: 300 90%3rd visit and beyond: 400 90%Hospital InpatientServices100% after deductible80% after deductible90% after deductibleUrgent Care100% after deductible 75 copay 75 copayChiropractic100% after deductibleNot covered 25 copay (25 visit max)Inpatient100% after deductible80% after deductible90% after deductibleOutpatient Office Visit100% after deductible 25 copay 25 copayOutpatient Facility100% after deductible80% after deductible90% after deductiblePREVENTIVE CARERoutine VisitsImmunizationsTELADOCSERVICESOutpatient X-ray and LabMENTAL HEALTHPRESCRIPTION DRUGSRETAIL RX (UP TO 30-DAY SUPPLY)Generic100% after deductible 10 10Brand100% after deductible 30 30Non-Formulary100% after deductible 50 50 10 10MAIL ORDER RX (UP TO 90-DAY SUPPLY)Generic100% after deductibleBrand100% after deductible 60 60Non-Formulary100% after deductible 100 100Generic100% after deductible 50 50Brand100% after deductible 100 100SPECIALTY DRUGSFor a detailed summary of plan features, please contact your local Human Resources Department for a Summary Plan Description.9
2022 EMPLOYEE BENEFITSTeladocTeladoc is a great alternative to urgent care and emergency room visits because it provides you 24/7/365access to U.S. board-certified doctors — receive the treatment you need in an easy and timely manner. Inaddition, you have the ability to send your visit results to your primary care physician. Teladoc costs 10 ifyou are on the Select, Choice or Variable Hour Plan, and 49 if you are on the HDHP.24/7/365Quality DoctorsNo ER Wait100% CoveredREMOTE HEALTH CARE CAN TREAT MANY COMMON HEALTH ISSUESTeladoc doctors can diagnose many health issues like cold and flu symptoms, allergies, rash, skin problemsand so much more! If medically necessary, a prescription will be sent to the pharmacy of your choice.HERE IS A SMALL SAMPLE OF THINGS TELADOC DOCTORS HAVE TREATED:Abdominal Pain/CrampsBronchitisPoison Ivy/Oak RashAllergiesCold and Flu SymptomsRespiratory InfectionAnimal/Insect BitesDizzinessSinusitisAsthmaEye Infection/IrritationSore ThroatBackacheHeadaches/MigrainesSprains and StrainsBlood Pressure IssuesLaryngitisStrepTALK TO THE DOCTOR. TAKE AS MUCH TIMEAS YOU NEED — THERE’S NO LIMIT!Visit www.Teladoc.com and click on“Set Up Account”With your consent, Teladoc is happy to provideinformation about your Teladoc consult to yourprimary care physician.Call 800-Teladoc (835-2362)10
PRESCRIPTION DRUG COVERAGEWe know that prescription drug coverage is important to you and your family. When you enroll in a medicalplan, you also receive coverage for prescription drugs. You must use a participating pharmacy in order toreceive benefits. When you need prescriptions, you have several options. As a Choctaw Nation employee,you can receive most medications for free through the Employee Prescription Program (more informationbelow). Any prescriptions that do not qualify for the Employee Prescription Program can be purchasedthrough a local retail pharmacy or through the CVS mail order program.When you use the CVS mail order program, you receive a 3-month supply of medication for the cost of a2-month supply. Your medications are mailed directly to your home or can be purchased at a participatingpharmacy. To order prescriptions through the mail order program, you must fill out a mail order form andreturn it along with a 90-day prescription from your doctor and your payment. Mail order forms are availablefrom the CVS Caremark website at www.caremark.com.CNO EMPLOYEE PRESCRIPTION PROGRAMIn addition to the prescription benefit that is included with the medical plan, Choctaw Nation continuesto offer the Employee Prescription Program. This plan provides access to the same medications that areavailable through CVS Caremark, but at a significantly reduced cost to both Choctaw Nation and ourassociates. All associates and applicable dependents enrolled in a medical plan are eligible to use theEmployee Prescription Program when filling prescriptions. Associates who participate can receive 90-daysupplies of their eligible medications for free, mailed directly to their homes. To register for an account,visit www.cnerx.com and click “Sign Up.” For information about this program, email pahickman@cnhsa.comor help@cnerx.com.HOW IT WORKSPARTICIPATION GUIDELINES Participating employees and dependents mustbe covered by Choctaw Nation health insurance Participants do not have to have a CDIB Prescriptions may be from CNHSAproviders, ERs, private practice, IHS orout-of-state providersHOW THE PROGRAM WORKS Participants 18 create an online account,provider submits prescription, participantapproves the script online in their account,and EPP mails the prescription. Participants under 18 are handled through theparents online account, processed and mailed.SPECIALTY PRESCRIPTION PROGRAMIf you have a chronic condition and takespecialty medication, call Caremark SpecialtyPharmacy at 800-237-2767 to receive thenecessary information to fill your prescription.11
2022 EMPLOYEE BENEFITSVariable Hour AssociatesVARIABLE HOUR PLANIN-NETWORKOUT-OF-NETWORKANNUAL DEDUCTIBLEIndividual 5,000 10,000Family 10,000 20,000OUT-OF-POCKET MAXIMUM (INCLUDES DEDUCTIBLE AND MEDICAL AND RX COPAYS)Individual 6,350 12,500Family 12,700 25,00070%50%70% after deductible50% after deductible100%50% after deductibleOutpatient X-ray and Lab70% after deductible50% after deductibleEmergency Facility70% after deductible70% after deductibleHospital Inpatient Services70% after deductible50% after deductibleUrgent Care70% after deductible50% after deductibleChiropracticNot coveredNot coveredInpatient70% after deductible50% after deductibleOutpatient Office Visit70% after deductible50% after deductibleOutpatient Facility70% after deductible50% after deductibleCoinsuranceOFFICE VISITSPrimary CareSpecialistPREVENTIVE CARERoutine VisitsSERVICESMENTAL HEALTHPRESCRIPTION DRUGSRETAIL RX (UP TO 30-DAY SUPPLY)Generic 10Brand70% no deductibleNon-Formulary70% no deductibleNot coveredMAIL ORDER RX (UP TO 90-DAY SUPPLY)Generic 20Brand70% no deductibleNon-Formulary70% no deductibleNot coveredFor a detailed summary of plan features, please contact your local Human Resources Department for a Summary Plan Description.YOUR COST FOR MEDICAL COVERAGEMONTHLY RATESVARIABLE HOUR PLANAssociate Only 96.00Associate Child(ren) 284.1812
LivongoWellnessChoctaw Nation partners with Livongo to help ourmembers better manage their health. This benefitis offered at no cost to you. Livongo helps youmanage diabetes, hypertension, and other healthgoals like managing weight, stress, and more.Choctaw offers Associates an opportunity togreatly reduce monthly medical premiums byparticipating in our wellness program. The wellnessincentive program is for associates enrolled in oneof the Choctaw Nation of Oklahoma's medicalplans. Participants can receive a 50 monthlypremium discount, which totals to 600 in annualsavings. There is no need to sign up as yourprogress will be tracked by claims data submittedto UMR by your Primary Care Physician. Also, theprogram’s required exams and screenings arecovered by the medical plans at no cost to you.ELIGIBLE MEMBERSThe program is offered at no cost to Associates whoqualify for Livongo and have coverage through thehealth plan.Join to get access to: Connected devices. Receive a free bloodglucose meter and/or a blood pressure monitorthat automatically uploads your readings.Depending on your health goals, you could alsoreceive a smart scale. Track your progress andmanage your health all within a private accounton an easy-to-use app! Coaching anytime and anywhere. Expert healthcoaches are ready to help. Together you’ll createa custom plan to meet your needs and focus onhealth areas that are important to you. Digital behavioral health support. Get 24/7access to practical tips and techniques thathelp you better manage stress, sleep, anxiety,depression, and moreTo participate, complete your annual physical,biometric screening and applicable cancerscreenings recommended by your Primary CarePhysician before September 30th. If you have anyother questions, contact Benefits at 580-924-8280or by email benefits@choctawnation.com and ourbenefits coordinators will gladly help you.To learn more or join: be.livongo.com/CHOCTAW/hiTo enroll in Livongo, you must opt into at least oneprogram that Choctaw Nation of Oklahoma offersas a health benefit. You must also meet the healthcriteria for each program you wish to enroll in. If aLivongo program is not offered by Choctaw Nationof Oklahoma, or if you do not meet the specifichealth criteria of that program, you will not be ableto enroll.HAVE QUESTIONS OR NEEDHELP ENROLLING?Call Livongo Member Support at 800-945-4355and mention registration code CHOCTAW.13
2022 EMPLOYEE BENEFITSAccoladeWe’re pleased to announce that Choctaw has partnered with Accolade to provide you and your familypersonalized help for your health and benefits needs. This service is at no cost to you as part of yourChoctaw benefits.Accolade will be your first place to go whenever you have a health care or benefits question, big or small.Accolade Health Assistants and nurses take the time to get to know you and your family, and then connectyou to benefits that would be most helpful. Accolade’s team of nurses, doctors, pharmacists and claimsspecialists work together to get you the information and care you need, when you need it.You can ask Accolade questions like these:BENEFITS QUESTIONS What benefits are available to me? Is this procedure covered under my health insurance? Is there a more affordable option for my medication? When can I change my health plan?HEALTH CARE QUESTIONS Can you help me find a doctor who is experienced in the care I need? Where is the nearest urgent care facility? I was just diagnosed with a condition — now what? Can you help me schedule and prepare for my next doctor visit?You can connect with Accolade by phone or secure messaging in the member portal or mobile app,member.accolade.com.14
Smile Brightly with Dental CoverageDid you know that proper dental care improves overall health? Taking care of your teeth is an important stepin preventing periodontitis (gum disease) and may help prevent coronary artery disease. Gum disease is alsolinked to diabetic control.DENTAL PLAN FEATURES
Employee Prescription Program 918-649-1112 pahickman@cnhsa.com Prescription Coverage Accolade (RxBeneits/ CVS Caremark) 866-406-0016 member.accolade.com Dental Cigna 800-244-6224 my.cigna.com Vision Vision Service Plan (VSP) 800-877-7195 www.vsp.com Flexible Spending Accounts (FSAs) UMR 866-663-9236 www.umr.com Employee Assistance Program (EAP)
