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How to Enroll

All enrollment forms can be completed online via DocuSign using the buttons to the right and will automatically be sent to Helpside once complete. Click the button and enter your name and email address to get started. 

Before making your elections, we suggest you check out the information about available health, dental, vision and supplemental plan options found in the sections below.

If you choose to participate in these benefits, you must complete and submit enrollment forms by the deadline provided by Helpside. Failure to complete enrollment prior to the deadline may result in a delay in benefits effective date, a change in rates, or inability to obtain coverage until Open Enrollment.

Who is eligible?

Employees who work 30 hours or more per week are eligible to participate in health, dental, vision and long-term disability.

Employees who work 20 hours or more per week are eligible to participate in other supplemental benefits.

Your employer selects which benefits they choose to offer to employees. If you have questions about your available benefits options, please contact Helpside at (801) 443-1090 or service@helpside.com

 

How do premiums work?

 

Your Employee Rate Sheet provides you with the monthly costs of the medical, dental, and vision plans. They also already account for any applicable employer contributions.

Please keep in mind that the deductions from your paycheck for medical, dental, and vision are taken on a “pre-tax” basis. These deductions occur prior to any tax calculations on your paycheck. Therefore, you will not be responsible for paying taxes on the premiums you pay for these benefit plans.

Premiums are collected from your paycheck one month in advance. Monthly premium deductions are spread over two checks for semi-monthly and bi-weekly payrolls and over four checks for weekly payrolls.

How do I find in-network providers?

Making the most of your benefits is easier if you are aware of the associated networks and administrators. Using the preferred providers allows you to get the most value out of your benefits. If you do go outside of the plan’s network, your benefits will be reduced or eliminated.

EMI Health

www.emihealth.com

(800) 662-5851

  • EMI is the contact for providers, cards, coverage and claims for the health, dental and vision plans
  • Health network in Utah: Care Plus
  • Health network outside Utah: Cigna PPO
  • Prescriptions: Express Scripts

Health Plan Information

There are six different health plan options to choose from, including two HSA qualifying High Deductible Health Plans.

 

2019-2020 Health Plan Comparisons

 

Dental Plan Information

There are four different dental plan options to choose from. Some of the plans have limited providers outside of Utah. To identify in-network providers, go to www.emihealth.com Plan name is Premier (Choice).

 

2019-2020 Dental Plan Comparisons

Vision Plan Comparison

There are two different vision plan options to choose from.

2019-2020 Vision Plan Comparisons

Tax Favored Benefit Savings Accounts

Health Savings Account

In order to establish and contribute to a Health Savings Account (HSA), you must be enrolled in a High Deductible Medical Plan (HDHP) such as our MedSave 1 and MedSave 2 plans. HSAs allow employees to save pre-tax dollars for qualified medical expenses. Income you deposit (through payroll deduction) goes into your own personal account and is not taxed, if used for qualifying expenses.

Helpside has established a relationship with Optum Bank to facilitate HSA accounts for employees. There are some fees associated with an account with Optum Bank including a $3.00 per month fee for accounts with less than $5,000. Deposits made into your HSA through a payroll deduction will be available 7-10 days after the deduction. You can find a list of eligible medical expenses in IRS Publication 502 at www.irs.gov/pub/irs-pdf/p502.pdf.

 

 

2021 Annual Election Limits
Single                 $3,600
Family                $7,200

Learn more about HSAs:

If you would like to participate, please complete the HSA Enrollment Form

Supplemental Benefits

The Reliance Standard Supplemental Insurance products through Helpside allow you to diversify your benefits package and add benefits where your family needs it most. Each of the options pay a cash benefit to you rather than paying a medical provider directly, so you can use the money for whatever you need.

As a regular full-time employee (30+ hours per week for disability insurance, 20+ hours for other benefits), you are eligible to participate in these benefits on the first day of the month following a 60 day waiting period, without meeting any underwriting requirements. Detailed information for each of the plans can be found on the Reliance Standard Supplemental Benefits website: http://www.reliancestandard.com/helpside/ 

If you would like to enroll, please complete the enrollment form below.

Life, LTD, STD, Acc. and CI Enrollment Form

 

Hospital Indemnity Enrollment Form

Additional Information for Wyoming Participants

In some areas of Wyoming, there are very few doctors who participate in preferred provider networks (PPOs). Because of this, Helpside developed a system allowing plan participants to visit any doctor and have their “in-network” deductibles and co-pays apply, after the plan applies a discount.

For all non-network professional services in Wyoming, the plan will apply a discount dependent on the total billed amount BEFORE processing available benefits from the plan. This means that the patient will be responsible for any difference “balanced billed” by the medical professionals. The “in-network” deductibles and co-payments will apply, but the discount will be subtracted first. The discounts that will be taken are as follows:

  • For billed amounts up to $100.00, the plan will not discount the bill prior to paying benefits.
  • For billed amounts up to $500.00, the plan will take a discount of 10% prior to paying benefits.
  • For billed amounts over $500.00, the plan will take a discount of 20% prior to paying benefits.

Amounts billed by the same care provider for services provided on the same date of service will be considered a single bill.

Please remember that this method will be used for professional services received in the State of Wyoming only.

Helpful Videos

Common Benefits Terms

Moving to a HDHP