NMM Operation Benefits: Effective 2026
Who are you and Why am I here?
Your employer has partnered with us at Diversified Human Solutions (Matthew Tae) to help manage their employee group healthcare plans. Please feel free to reach-out with any of your healthcare benefits related questions, including the costs 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 by clicking the "Schedule Benefits Discussion" button or email service@diversifiedhumansolutions.com if you have any questions.
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".
NMM Operations will pay for a flat $200 per month towards your 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
To Enroll, click "Make Benefits Election".
NMM Operations will pay for a flat $200 per month towards your 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?
How to Shop for Health Insurance
The health insurance is through United Healthcare. There are several plan options. All of them have the same basic templated design: There is a deductible, then a coinsurance, and an out of pocket maximum (the most you will pay in a year). Below is a brief description, more detailed information can be found in the "Health Insurance Benefit Summaries" section of this page.
The health insurance is through United Healthcare. There are several plan options. All of them have the same basic templated design: There is a deductible, then a coinsurance, and an out of pocket maximum (the most you will pay in a year). Below is a brief description, more detailed information can be found in the "Health Insurance Benefit Summaries" section of this page.
- NavHE4000: A H.S.A. compatible plan with a $4000 out of pocket maximum (for employee only, $8000 with dependents). HMO style plan that requires referrals and no out of network coverage. (SEE NOTE BELOW)
- P4000: Exactly the same plan as NavHE4000 except it does NOT require referrals, has an out of network benefit, and utilizes the larger Choice Plus Network.
- NavE1500i80: Doctors, specialists, urgent care, & RX is covered at a co-pay. Everything else will not be covered until the $1500 deductible ($1.5k per person, $3k max per family). Then you will pay a coinsurance, until the out-of-pocket maximum of $3500 (3.5kper person, $7K max per families).
- NavE01575: A benefit rich HMO style plan with no deductible, low copays, and a $4,000 out of pocket maximum There is no out of network benefit.
- SurestPA6000: This plan has a $6000 out of pocket max (for employees only, $12,000 with dependents.) There are no referrals necessary. No deductibles or coinsurance. Office visits, urgent care, emergency room visits and mental health services are all covered with a copay. This plan uses UHC’s very large Choice Plus network.
- SurestPA3000: This plan has a $3000 out of pocket max (for employees only $6000 with dependents.) No referrals are necessary. There are no deductibles or coinsurance. Office visits, urgent care, emergency room visits and mental health services are all covered with a copay. Copay cost range is lower in comparison to option 3(SurestPA6000). This plan uses UHC’s very large Choice Plus network.
Health Savings Accounts
HSA Tax Savings
How to Open a Health Savings Account
NOTE: ONLY Option 1 and 2: NavHE4000 and P4000 are compatible with a Health Savings Account. NO OTHER PLAN OPTIONS are HSA eligible.
How to Open a Health Savings Account
NOTE: ONLY Option 1 and 2: NavHE4000 and P4000 are compatible with a Health Savings Account. NO OTHER PLAN OPTIONS are HSA eligible.
What is the Dental Insurance?
Find a Dentist
You have the option of enrolling into a group dental plan through Humana! 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.
You have the option of enrolling into a group dental plan through Humana! 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.
Other Benefits & Services
Print ID Cards, EOB's, Claim Forms
Benefit Summaries / Prices
Health Insurance Benefit Summaries
- NavHE4000
- P4000
- NavE1500i80LX22B
- NavE01575
- Surest 6000
- Surest 3000
- VIDEO INSTRUCTIONS how to navigate Surest copay prices
Health Insurance Rates & Payroll Deductions
Dental Insurance Rates
Other Perks / Benefits
AblePay Discounts
Sign Up for AblePay Discounts
AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. 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. 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 Contact Info
United Healthcare: 1-866-801-4409
Humana Dental: 800-232-2006
Humana Email: sbmarketsupport@humana.com
Diversified Human Solutions: 267-948-7290
Humana Dental: 800-232-2006
Humana Email: sbmarketsupport@humana.com
Diversified Human Solutions: 267-948-7290
Discounts & Perks
Discounts, Rewards, and Perks
Use CODE: LRFWUO
Use CODE: LRFWUO