NMM Operations

NMM Operation Benefits: Effective 2024

FAQ

Am I Eligible & How Do I Enroll?
You are eligible to enroll into the health & dental insurance immediately upon employment!

To Enroll, click "Make Benefits Election".

How to Find an In-Network Doctor

NMM Operations will pay for 50% of the non-smoker Silver PPO Classic employee rate for health insurance. You will pay for the remainder via "above the line" pre-tax payroll deduction.

Instructions How to Shop for Health Insurance:
How to Shop for Health Insurance
What is the Health Insurance?
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 2 plan options, the PPO Silver Classic, and PPO Gold Preferred 500.

Both plans are PPO plans and have a national network and do not require referrals to see specific medical providers.

  • PPO Silver Classic: Doctors, RX, and lab work is covered before the deductible. Everything else is AFTER the deductible. The costs after the deductible are variable, 30% (for most services) of the invoiced amount is what you are responsible to pay.

  • PPO Gold: Lower copays for most procedures and excellent hospital & outpatient surgery benefits. This plan will keep costs low in the event of a major health situation.

    Provider Search
    Enter Your Insurance Plan Selection:
    PPO Silver & Gold = PPO

    Instructions How to Navigate the Site:
    How to Find an In-Network Doctor

    Instructions How to Shop for Health Insurance:
    How to Shop for Health Insurance
  • What is the Dental Insurance? - PENDING
    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.
    Helpful Phone Numbers
    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

    Benefit Summaries / Prices

    Health Insurance Benefit Summaries
    Health Insurance Rates
    Health Insurance Payroll Deductions