Fellow Travelers Benefits - Effective 1/1/2022
Why am I Here?
We're a professional employer organization, here to help with back office HR functions like payroll, employee benefits, and compliance. Your employer partnered with us to serve as a "co-employer" for tax & benefit purposes. Think of us as your new HR department, who can help with payroll questions, time off / PTO, health insurance & other benefits. You can make your benefits elections here on this page by clicking "Make Benefits Elections" and then selecting your plan. You can contact us at service@fellowpeo.com if you have any questions.
Your company may not offer all benefits listed on this page
Your company may not offer all benefits listed on this page
Helpful Numbers
Fellow Travelers PEO: 484-253-6907
Independence Blue Cross: 800-ASK-BLUE
Ameritas Dental: 800-487-5553
Eyemed Vision: 866-939-3633
Colonial Disability & Accident Insurance: 800-325-4368
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Independence Blue Cross: 800-ASK-BLUE
Ameritas Dental: 800-487-5553
Eyemed Vision: 866-939-3633
Colonial Disability & Accident Insurance: 800-325-4368
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Health Insurance
What is the Health Insurance?
How to Shop for Health Insurance
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 3 plan options, the HMO Silver Proactive, HMO Gold Proactive, and PPO Silver Secure. The PPO Silver Secure plan is national and will work anywhere. The "Proactive" plans are for companies based in and around Philadelphia.
The PPO Silver Secure plan will work anywhere and has a very large national network. You also do not need referrals to see specialists. Most services do NOT have a deductible and merely have a copay. Some rarer higher cost procedures are subject to a deductible and a copay. This plan is an excellent value in most parts of the country.
The "Proactive" plans are for companies based in or around Philadelphia. All the local Philadelphia Blue Cross doctors & hospitals are in-network, but they are divided into tiers with some providers charging more based on their tier. Tier 2 & 3 providers are more expensive than Tier 1 providers. This is especially important for high cost items like hospitalization & outpatient surgery.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Proactive or PPO
How to Find an In-Network Doctor
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 3 plan options, the HMO Silver Proactive, HMO Gold Proactive, and PPO Silver Secure. The PPO Silver Secure plan is national and will work anywhere. The "Proactive" plans are for companies based in and around Philadelphia.
The PPO Silver Secure plan will work anywhere and has a very large national network. You also do not need referrals to see specialists. Most services do NOT have a deductible and merely have a copay. Some rarer higher cost procedures are subject to a deductible and a copay. This plan is an excellent value in most parts of the country.
The "Proactive" plans are for companies based in or around Philadelphia. All the local Philadelphia Blue Cross doctors & hospitals are in-network, but they are divided into tiers with some providers charging more based on their tier. Tier 2 & 3 providers are more expensive than Tier 1 providers. This is especially important for high cost items like hospitalization & outpatient surgery.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Proactive or PPO
How to Find an In-Network Doctor
Other Health Insurance Benefits & Services
Health Insurance Claim Forms, ID Cards, EOB's
Health Insurance Benefit Summary
Health Insurance Rates - 1/1/2022
Non Health Insurance
401K Retirement Plan
Eligibility for the 401K Plan is different for each of the plans. Please contact Fellow Travelers for details or find out more here: Fellow Travelers 401K
Dental Benefits: Through US Federation of Worker Cooperatives
We participate in the US Federation of Worker Cooperatives aggregated Multiple Employer Dental Plan through Ameritas.
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 & Rates
Dental Benefit Summary - Spanish
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - Classic PPO Network
Ameritas Dental: 800-487-5553
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 & Rates
Dental Benefit Summary - Spanish
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - Classic PPO Network
Ameritas Dental: 800-487-5553
Vision Benefits: Through US Federation of Worker Cooperatives
We participate in the US Federation of Worker Cooperatives aggregated Multiple Employer Vision Plan through Eyemed.
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.
Vision Benefit Summary & Rates
Vision Benefit Summary - Spanish
Find an Eye Doctor
Eyemed Vision: 866-939-3633
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.
Vision Benefit Summary & Rates
Vision Benefit Summary - Spanish
Find an Eye Doctor
Eyemed Vision: 866-939-3633
Disability Insurance: Through US Federation of Worker Cooperatives (GUARNTEED ISSUE)
We participate in the US Federation of Worker Cooperatives aggregated Multiple Employer Disability Plan through Colonial.
Our Disability Insurance is guaranteed issue! You cannot be turned down because of pre-existing conditions. Any pre-existing conditions will NOT be covered for one year, then are eligible for coverage.
Disability Benefit Summary
Disability Benefit Summary - Spanish
Disability Rates
Colonial Disability Insurance: 800-325-4368
Our Disability Insurance is guaranteed issue! You cannot be turned down because of pre-existing conditions. Any pre-existing conditions will NOT be covered for one year, then are eligible for coverage.
Disability Benefit Summary
Disability Benefit Summary - Spanish
Disability Rates
Colonial Disability Insurance: 800-325-4368
Accident Insurance: Through US Federation of Worker Cooperatives
We participate in the US Federation of Worker Cooperatives aggregated Multiple Employer AccidentPlan through Colonial.
Our Accident Insurance is pays money directly to you in case of an accident occurs, regardless if other copays / costs were incurred or are lower than the Accident insurance payment.
Accident Insurance Benefit Summary
Accident Insurance Benefit Summary - Spanish
Accident Rates
Colonial Accident Insurance: 800-325-4368
Our Accident Insurance is pays money directly to you in case of an accident occurs, regardless if other copays / costs were incurred or are lower than the Accident insurance payment.
Accident Insurance Benefit Summary
Accident Insurance Benefit Summary - Spanish
Accident Rates
Colonial Accident Insurance: 800-325-4368
Other Benefits
AblePay Discounts
Sign Up for AblePay Discounts (Use “Fellow Travelers” as your employer to qualify)
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. Have you ever transfered money from Venmo or PayPal or a bank and there is an “instant transfer” option but at a cost of 1% or a few bucks? It’s like that, but with healthcare. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!
From the AblePay website:
AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.
By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.
Helpful Phone Numbers & Websites
Independence Blue Cross: 800-ASK-BLUE
Find a Blue Cross Doctor
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Fellow Travelers: 484-253-6907
Find a Blue Cross Doctor
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Fellow Travelers: 484-253-6907