Guilded Coop Benefits - 6/1/25
Who are you and Why am I here?
Diversified Human Solutions is here to help with back office HR functions like employee benefits, HR laws, and general compliance. Your employer partnered with us to help manage their employee benefit programs. Think of us as an extension of your HR department, who can help with benefits related questions and the taxes/money around those decisions. You can make your benefits elections here on this page by clicking "Make Benefits Elections" and then selecting your plan. Please browse around this page to find out how to print temp ID cards, access benefits info, find in-network providers, learn about your payroll deductions, and a lot more! You can contact us at service@diversifiedhumansolutions.com if you have any questions.
Health Insurance
What is the Health Insurance?
The health insurance is through Independence Blue Cross and is a PPO Gold Plan which has a very large national network and will work anywhere with a "Blue Cross" or "Blue Shield" network. You also do not need referrals to see specialists. The coverage for large event items like hospitalization is excellent.
https://www.ibx.com/providerfinder - Your Plan = PPO
How to Find an In-Network Doctor
IF you have adequate coverage elsewhere such as through a spouse or government, you can elect to waive the health insurance and receive additional wages instead! You will receive 65% of the amount that would have been paid towards your health insurance, in the form of additional wages (prorated for part-time staff, see personnel policies for details).
https://www.ibx.com/providerfinder - Your Plan = PPO
How to Find an In-Network Doctor
IF you have adequate coverage elsewhere such as through a spouse or government, you can elect to waive the health insurance and receive additional wages instead! You will receive 65% of the amount that would have been paid towards your health insurance, in the form of additional wages (prorated for part-time staff, see personnel policies for details).
Health Insurance Benefit Summary & Rates / Payroll Deductions
Guilded will cover 100% of the premiums for you (non-smoker rate)! You will have to pay additional amounts to cover dependents. If you OPT OUT of coverage, you will receive 65% of the amount of the insurance (non-smoker rate) as wages in your paycheck.
PPO Gold Preferred 500
PPO Gold Preferred 500 Monthly Rate (by age)
Health Insurance Payroll Deductions
PPO Gold Preferred 500
PPO Gold Preferred 500 Monthly Rate (by age)
Health Insurance Payroll Deductions
Other Health Insurance Benefits & Services
Free Virtual Doctor Visits & Care
TeleDoc Flyer
Virtual Dermatology
Virtual Therapy
Achieve Well $300 Gift Card
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Maternity & Family Planning
Addiction Counseling
Diabetes Management
Hypertension Management
Weight Loss Support
Hearing Coverage
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
Traveling/Away from Home
TeleDoc Flyer
Virtual Dermatology
Virtual Therapy
Achieve Well $300 Gift Card
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Maternity & Family Planning
Addiction Counseling
Diabetes Management
Hypertension Management
Weight Loss Support
Hearing Coverage
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
Traveling/Away from Home
Print ID Cards, EOB's, Claim Forms
Non Health Insurance Benefits
Dental & Vision Benefits: Through US Federation of Worker Cooperatives
We participate in the US Federation of Worker Cooperatives aggregated Dental & Vision Plan. Please contact the US Federation directly for more info: benefits@usworker.coop
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).
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.
Information Change for Dental / Vision
Provide SSN / ITIN
USFWC Vision and Dental Overview
Dental Insurance Benefit Summary
Download Dental Insurance Card
Vision Insurance Benefit Summary
Download Vision Insurance Card
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).
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.
Other Benefits & Perks
AblePay Discounts
Sign Up for AblePay Discounts (Use “Diversified Human Solutions” 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
How to Search for a Doctor
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Diversified Human Solutions: 267-948-7290
Find a Blue Cross Doctor
How to Search for a Doctor
Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Diversified Human Solutions: 267-948-7290
Discounts & Perks
Discounts, Rewards, and Perks
Use CODE: LRFWUO
Use CODE: LRFWUO