NMM Operation Benefits
FAQ
Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health insurance after 60 days of full time employment (40 hours per week). After 60 days, you can make your benefit elections and will be enrolled on the first day of the following month.
To Enroll, click "Make Benefits Election".
How to Find an In-Network Doctor
Near Miss Management will continue to pay for 25% of the non-smoker employee rate for health insurance. You will pay for the remainder via "above the line" pre-tax payroll deduction.
To Enroll, click "Make Benefits Election".
How to Find an In-Network Doctor
Near Miss Management will continue to pay for 25% of the non-smoker employee rate for health insurance. You will pay for the remainder via "above the line" pre-tax payroll deduction.
What is the Health Insurance?
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 3 plan options, the PPO Silver, HMO Gold Proactive, and PPO Gold.
The PPO is best for people who do not reside in the Philadelphia area, do not want referrals, or wish to see very specific medical providers.
For the "Proactive" plans, all the local Blue Cross providers 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.
PPO Silver: Doctors, RX, and labwork is covered before the deductible. Everything else is AFTER the deductible.
HMO Gold Proactive: Breaks up the network into 3 tiers with the higher tiers having more expensive co-pays. Be sure to check out the HMO Proactive Tiers link for more info.
PPO Gold: Lower copays for most procedures and a $2500 deductible that applies to hospitals, outpatient surgeries, and durable medical equipment. Overall, more services are pre-deductible than the PPO silver.
Provider Search
Enter Your Insurance Plan Selection:
HMO Silver Proactive = Keystone HMO Proactive
PPO Silver & Gold = PPO
Instructions How to Navigate the Site:
How to Find an In-Network Doctor
The PPO is best for people who do not reside in the Philadelphia area, do not want referrals, or wish to see very specific medical providers.
For the "Proactive" plans, all the local Blue Cross providers 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.
Provider Search
Enter Your Insurance Plan Selection:
HMO Silver Proactive = Keystone HMO Proactive
PPO Silver & Gold = PPO
Instructions How to Navigate the Site:
How to Find an In-Network Doctor
Blue Cross Benefits & Services
Claim Forms, ID Cards, EOB's
What is the Dental Insurance?
You have the option of enrolling into a group dental plan through Guardian! This is voluntary coverage so you will be paying the full cost of the insurance. Also, there is a 12 month waiting period for “Major” services (also called “Type III” services) so those will not be covered during the first year.
Please view the benefit summary for more details. If you get 2 cleanings per year and pay out of pocket for them, you should enroll because the insurance will probably cover those cleanings for less than you currently pay... and will provide coverage if you need anything beyond cleanings. Please note “Annual Max” on the benefit summary means the maximum that the dental insurance will pay in one year. Anything beyond $1500 in total cumulative annual costs… the insurance will not cover.
Please view the benefit summary for more details. If you get 2 cleanings per year and pay out of pocket for them, you should enroll because the insurance will probably cover those cleanings for less than you currently pay... and will provide coverage if you need anything beyond cleanings. Please note “Annual Max” on the benefit summary means the maximum that the dental insurance will pay in one year. Anything beyond $1500 in total cumulative annual costs… the insurance will not cover.
Helpful Phone Numbers
FREE therapy sessions: 800-451-1834
Independence Blue Cross: 800-ASK-BLUE
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
Independence Blue Cross: 800-ASK-BLUE
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
Detailed Benefits Info
Health Insurance Plan Options
Dental Insurance
Employee Assistance Program
The Employee Assistance Program is through All One. Please refer to the Program Summary Link below for a list of services. The most frequently used are free therapy sessions. You have up to 3 free sessions per year, at no cost to you!
Employee Assistance Program Summary
Employee Assistance Program Instructions
Employee Assistance Program Summary
Employee Assistance Program Instructions
Helpful Info & Extra Benefits
Benefit Prices
Health Insurance Rates
Dental Insurance Rates