Catalyst Cooperative: Benefits as of 1/1/2025
How to Enroll
Click "Make Benefits Election" and complete that form. Then review the benefit summary to know what your copays should be. Register for unitedeservices to access temporary ID cards, claims info, and more! If you don't receive a card in the mail within 14 business days, let us know because something went wrong!
The dental insurance is with Ameritas & the vision is with Eyemed... both through the US Federation of Worker Cooperatives Group plans.
Health Insurance
Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health insurance on the first of the month following your date of hire IF you work full time (40 hours per week).
To Enroll, click "Make Benefits Election".
To Enroll, click "Make Benefits Election".
What is the Health Insurance?
The health insurance is through United Healthcare and is a PPO plan. There is also dental & vision insurance available as well through the US Federation of Worker Cooperatives Benefit Association.
The health insurance requires a deductible be met for less common services. Doctor visits, prescription drugs, & urgent care visits are covered BEFORE the deductible met and is only a copay. Other medical services require the deductible to be met, then coinsurance be paid until the out of pocket maximum of $3500 (per person).
The network is tiered with a "Designated Network" for specialists. This is an EPO plan which does NOT require referrals to see specialists, but like an HMO has NO out of network benefits. It is important to stay in-network!
The health insurance requires a deductible be met for less common services. Doctor visits, prescription drugs, & urgent care visits are covered BEFORE the deductible met and is only a copay. Other medical services require the deductible to be met, then coinsurance be paid until the out of pocket maximum of $3500 (per person).
The network is tiered with a "Designated Network" for specialists. This is an EPO plan which does NOT require referrals to see specialists, but like an HMO has NO out of network benefits. It is important to stay in-network!
Benefit Summaries
Claim Forms, ID Cards, EOB's
Other Benefits & Services
Dental & Vision Insurance
Dental Benefits: Through US Federation of Worker Cooperatives
We participate in the US Federation of Worker Cooperatives aggregated Dental Plan through Delta Dental.
Our Dental Insurance is fantastic! There is virtually no network because if you see an out of network provider, the dental plan will reimburse the out of network visit at in-network benefit copays / coinsurance! Only in very rare situations would that not be the case (VERY RARE).
Dental Benefit Summary
Dental Benefit Summary Spanish
Dental Rates
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - PPO plus Premier Network
Where's my ID Card? (Our Group Number is 22085-00001)
2023 Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights
Our Dental Insurance is fantastic! There is virtually no network because if you see an out of network provider, the dental plan will reimburse the out of network visit at in-network benefit copays / coinsurance! Only in very rare situations would that not be the case (VERY RARE).
Dental Benefit Summary
Dental Benefit Summary Spanish
Dental Rates
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - PPO plus Premier Network
Where's my ID Card? (Our Group Number is 22085-00001)
2023 Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights
Vision Benefits: Through US Federation of Worker Cooperatives
We participate in the US Federation of Worker Cooperatives aggregated Employer Vision Plan through Ameritas. You can choose between 2 networks / vision companies with Ameritas, Eyemed or VSP.
The insurance is run thru Ameritas, but you then choose one network to utilize, Eyemed or VSP. Generally, Eyemed has very slightly better benefits than VSP (better premium contact lens reimbursement and very slightly lower deductibles). VSP however does have more "boutique" ophthalmologists in network whereas Eyemed is the largest vision insurance company in the USA (with VSP being the 2nd largest). There are links to search each network below (the monthly premiums are the same for either option.
Our Vision Insurance is a "no-brainer" if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.
Eyemed Vision Benefit Summary & Rates - through Ameritas Insurance
EyeMed Insight Network
Find an Eyemed Eye Doctor
VSP Vision Benefit Summary & Rates - through Ameritas Insurance
Find an VSP Eye Doctor
Your COBRA Rights
The insurance is run thru Ameritas, but you then choose one network to utilize, Eyemed or VSP. Generally, Eyemed has very slightly better benefits than VSP (better premium contact lens reimbursement and very slightly lower deductibles). VSP however does have more "boutique" ophthalmologists in network whereas Eyemed is the largest vision insurance company in the USA (with VSP being the 2nd largest). There are links to search each network below (the monthly premiums are the same for either option.
Our Vision Insurance is a "no-brainer" if you use contacts / glasses consistently. If the premiums are less than your annual costs for vision care, this plan is worth enrolling into.
Eyemed Vision Benefit Summary & Rates - through Ameritas Insurance
EyeMed Insight Network
Find an Eyemed Eye Doctor
VSP Vision Benefit Summary & Rates - through Ameritas Insurance
Find an VSP Eye Doctor
Your COBRA Rights