Summit Skies

You are eligible to enroll into the health insurance after 60 days of full time employment (32 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"

Summit Skies will contribute $300 per month towards the cost of your health insurance! Any additional amounts are paid "above the line" pre-tax via payroll deductions.

How to Shop for Health Insurance
How to Find an In-Network Doctor

The health insurance is through Independence Blue Cross (aka Keystone Health Plan East) AND one GOLD level option with Highmark Blue Shield. There are 3 plan options, the HMO Silver Proactive, and PPO Silver Classic, and the Highmark PPO Gold.

• The HMO Silver Proactive: HMO Proactive Network
  • Requires you to choose a primary care doctor who you'll get referrals from.
  • All local Philadelphia Blue Cross hospitals (and most doctors) are in-network but divided into tiers.
  • Costs vary by provider tier, with Tier 2 & 3 being more expensive than Tier 1, especially for costly services like hospitalization and surgery.
  • Copays for most procedures except surgeries & hospitalizations (unless you stay with a Tier 1 provider).
  • HMO Proactive Tiers
• The PPO Silver Classic: PPO Network
  • National coverage with a large network.
  • No referrals needed for specialists.
  • Most services have only a copay, while some higher-cost procedures involve a deductible and coinsurance (i.e. 30% of costs).
• HIGHMARK: PPO Gold: Highmark PPOBlue Network
  • National coverage with a large network.
  • No referrals needed for specialists.
  • Most services only have a copay, while some higher-cost procedures having a $1000 deductible and with full coverage after the deductible.

IBX: HMO Proactive Network Tiers
IBX: HMO Silver Proactive
IBX: PPO Silver Classic
Highmark: Gold 1000

Free Virtual Doctor Visits & Care
TeleDoc Flyer
Virtual Dermatology
Virtual Therapy
Achieve Well $300 Gift Card
Discounts & Reimburesments
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Flu Shot
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
90 day supply CVS Discount
Specialty RX Discounts
Traveling/Away from Home

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

*Employee premium is 50% covered. Your Bi-weekly Payroll Deductions:

Employee: $6.63

Employee + Partner: $19.90

Employee + Child(ren): $30.08

2 Parent Family: $43.92

*Our dental insurance is obtained via the Fellow Travelers Benefits Program. It is a program where multiple employers collaborate to boost purchasing power to obtain better benefits & rates. Your insurance card will have "Fellow Travelers" listed as the employer.

Our dental insurance is exceptional! It effectively eliminates network restrictions by reimbursing out-of-network visits at in-network copay and coinsurance rates in almost all cases. However, we encourage using in-network providers whenever possible, as higher in-network usage helps secure better renewal rates for the future.

Dental Benefit Summary

Dental Benefit Summary Spanish

Dental Procedure Cost Estimator

Dental Benefits FAQ

Dental Benefits FAQ - Spanish

Dentist Search - PPO / Traditional Network

Where's my ID Card? (Our Group Number is 416619)

My Humana Registration Instructions

Humana Dental Login / Registration

Humana Dental OUT OF NETWORK Claim Form

Humana Dental & Vision: 800-232-2006

Your Bi-weekly Payroll Deductions:

Employee: $2.79

Employee + Child(ren): $5.30

Employee + Partner: $5.58

2 Parent Family: $8.33

*Our vision insurance is obtained via the Fellow Travelers Benefits Program. It is a program where multiple employers collaborate to boost purchasing power to obtain better benefits & rates. Your insurance card will have "Fellow Travelers" listed as the employer.

Our insurance is provided through Humana and offers excellent benefits. The vision insurance is especially valuable for those who regularly use glasses or contacts. The pre-tax premiums are likely lower than your annual vision care expenses.

This vision insurance can be used on top of the vision benefits with the health insurance. You can be double reimbursed for the same contacts / lenses. You should use the Humana insurance first, then request the reimbursement from health insurance vision coverage after.

Vision Member Portal / ID Cards: NOTE do not use this site to check the vision network, use the links below.

My Humana Registration Instructions: IF you have multiple coverages with Humana (such as dental & life insurance, click "Coverage Overview" to switch between coverage options.

Vision Benefit Summary

Vision Benefit Summary - Spanish

Humana Vision FAQ

Find an Humana Eye Doctor

Humana Dental & Vision: 800-232-2006

This is a voluntary benefit. Employees sign up for this benefit and pay the premiums directly to Fellow Travelers

The insurance is provided thru Humana and has excellent pricing. Up to $100K of life insurance can be purchased "guaranteed issue".

Life Insurance Coverage Details
Life Insurance Rates
Life Insurance Quote

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. 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.

Discounts, Rewards, and Perks
Use CODE: LRFWUO

Highmark APP - Use to access other benefits below
Virtual Healthcare Flyer
Virtual PHYSICAL Therapy
Mental Health Support
Kidney Health Management
CHF & COPD Management
Hypertension Management
Weight Loss Support
RX Mail Order Service
Traveling/Away from Home

Print ID card & Access Explanation of Benefits
Medical Claim Form
See Non Health Insurance Section: Vision Insurance
RX Mail Order Form
HIPAA Authorization Form

Independence Blue Cross: 800-ASK-BLUE
Find a Blue Cross Doctor
Highmark Blue Shield: 1-800-241-5704 Future Scripts Prescription Drugs: 888-678-7012
Health Coaching: 800-313-8628
Mental Health / Substance Abuse Hotline: 800-688-1911
Humana Dental & Vision: 800-232-2006
Humana Email: sbmarketsupport@humana.com
Diversified Human Solutions: 267-948-7290