Fellow Travelers

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

Free Virtual Doctor Visits & Care
Free Virtual Care Video Tutorial
Achieve Well $300 Gift Card
$150 Fitness Center Reimbursement
AblePay Discounts
Financial Well Being - GradFin & College Tuition Benefit
Participating Colleges (as of 2022)
Laser Vision Correction (as of 2022)
Vision Insurance
E-billing
Employer Portal Access
RX Mail Order Service
Traveling/Away from Home

Medical Claim Form
Vision Claim Form
RX Mail Order Form
HIPAA Authorization Form
Print ID card & Access Explanation of Benefits
How to Find an In-Network Doctor

HMO Proactive Network Tiers
HMO Silver Proactive
PPO Silver Secure
HMO Gold Proactive

HMO Silver Proactive
PPO Silver Secure
HMO Gold Proactive

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

Educational Flyer
Fund Options
The Psychology of Money
Investing at Market Peaks

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 & Rates
Dental Benefit Summary Spanish
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - PPO plus Premier Network
Where's my ID Card? (Our Group Number is 22085-00001)
Delta Dental Login / Registration
Delta Dental Registration Instructions
2023 Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights

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.

Vision Member Portal / ID Cards: Click "Member Sign In" (NY if in New York State) - NOTE do not use this site to check the vision network, use the links below.

Eyemed Vision Benefit Summary & Rates - through Ameritas Insurance
Eyemed Vision Benefit Summary - Spanish
EyeMed Insight Network
Find an Eyemed Eye Doctor

VSP Vision Benefit Summary & Rates - through Ameritas Insurance
VSP Vision Benefit Summary - Spanish
Find an VSP Eye Doctor
Your COBRA Rights

We participate in the US Federation of Worker Cooperatives aggregated Employer Disability Plan through Colonial.

Our Disability Insurance is guaranteed issue (for new companies / employees)! 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 Benefit Brochure
Disability Rates
Colonial Disability Insurance: 800-325-4368
Make a Disability Claim Online
Make Disability Claim - Paper Form
Disability Maximums for CT, MA, NJ, & WA

We participate in the US Federation of Worker Cooperatives aggregated Employer Accident Plan 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
NEW YORK: Accident Insurance Benefit Summary
NEW YORK: Accident Insurance Benefit Summary - Spanish
Accident Rates
Colonial Accident Insurance: 800-325-4368

Make Accident Insurance Claim - Instructions
Accident Insurance Claim Form
*It is recommended you just take a paper accident claim form with you when getting treatment for accident related events. Even minor events such as a bruise can be considered accidents.

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.

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