Welcome

We are pleased to offer you a comprehensive benefit package intended to protect your well-being and financial health. This guide is your chance to learn more about all of the benefits that are now available to you and your eligible dependents beginning Month 1, 20XX.

To get the best value from your health care plan, please take the time to evaluate your coverage options and determine which plans best meet your health care and financial requirements. By being a wise consumer, you can support your health and maximize your health care dollars.

Each year during Open Enrollment, you have the opportunity to make changes to your benefit plans. The enrollment decisions you make will remain in effect through Month 30, 20XX. You may then make changes to your benefit elections only when you have a Qualified Life Event. After such an event, you can make changes to your health care coverage within 30 days; otherwise, you cannot make changes to your benefit coverage until the next Open Enrollment period. If you are not making a change in your benefits or covered dependents for Medical, Dental or Vision, there is no required action for these benefits at this time.