US Federation of Worker Co-ops Benefits - 1/1/2024
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.
There are 2 plan options available to you. The "Standard" plan is the Gold Preferred 600 and the "Buy Up" plan is the Gold Preferred 500. The main difference between the 2 is that the Buy Up plan has a much better "major incident" benefit. Think emergency room, hospitalization / outpatient surgery. If you know you will have a surgery, pregnancy, or other major procedure, consider the Buy Up plan.
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).
There are 2 plan options available to you. The "Standard" plan is the Gold Preferred 600 and the "Buy Up" plan is the Gold Preferred 500. The main difference between the 2 is that the Buy Up plan has a much better "major incident" benefit. Think emergency room, hospitalization / outpatient surgery. If you know you will have a surgery, pregnancy, or other major procedure, consider the Buy Up plan.
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
The USFWC will cover 100% of the premiums of the STANDARD plan 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 600
PPO Gold Preferred 600 Monthly Rate (by age)
PPO Gold Preferred 500 - BUY UP PLAN
PPO Gold Preferred 500 Monthly Rate (by age)
Payroll Deductions for Employees
Payroll Deductions for Dependents
PPO Gold Preferred 600
PPO Gold Preferred 600 Monthly Rate (by age)
PPO Gold Preferred 500 - BUY UP PLAN
PPO Gold Preferred 500 Monthly Rate (by age)
Payroll Deductions for Employees
Payroll Deductions for Dependents
Other Health Insurance Benefits & Services
Free Virtual Doctor Visits & Care
Achieve Well $300 Gift Card
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Participating Colleges (as of 2022)
Maternity & Family Planning
Diabetes & Hypertension Management
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
Traveling/Away from Home
Achieve Well $300 Gift Card
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Participating Colleges (as of 2022)
Maternity & Family Planning
Diabetes & Hypertension Management
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
Traveling/Away from Home
Health Insurance Claim Forms, ID Cards, EOB's
Other Insurance Benefits
Dental Benefits
The USFWC will cover your dental premiums in full for you AND dependents!
Dental Benefit Summary
Dental Benefit Summary Spanish
Dental Rates
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - PPO plus Premier Network
Where's my ID Card? (Our Policy Number is TBD)
Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights
Dental Benefit Summary
Dental Benefit Summary Spanish
Dental Rates
Dental Benefits FAQ
Dental Benefits FAQ - Spanish
Dentist Search - PPO plus Premier Network
Where's my ID Card? (Our Policy Number is TBD)
Delta Dental OUT OF NETWORK Claim Form
Delta Orthodontic Benefit FAQ
Your COBRA Rights
Vision Benefits
The USFWC will cover your dental premiums in full for you AND dependents!
We participate in an aggregated Employer Vision Plan through Ameritas. You can choose between 2 networks / vision companies with Ameritas, Eyemed or VSP.
The insurance is run thru Ameritas, but you then choose one network to utilize, Eyemed or VSP. Generally, Eyemed has very slightly better benefits than VSP (better premium contact lens reimbursement and very slightly lower deductibles). VSP however does have more "boutique" ophthalmologists in network whereas Eyemed is the largest vision insurance company in the USA (with VSP being the 2nd largest). There are links to search each network below (the monthly premiums are the same for either option.
The 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.
Vision Member Portal / ID Cards: Click "Member Sign In" (NY if in New York State) - NOTE do not use this site to check the vision network, use the links below.
Eyemed Vision Benefit Summary & Rates - through Ameritas Insurance
Eyemed Vision Benefit Summary - Spanish
EyeMed Insight Network
Find an Eyemed Eye Doctor
VSP Vision Benefit Summary & Rates - through Ameritas Insurance
VSP Vision Benefit Summary - Spanish
Find an VSP Eye Doctor
Your COBRA Rights
We participate in an aggregated Employer Vision Plan through Ameritas. You can choose between 2 networks / vision companies with Ameritas, Eyemed or VSP.
The insurance is run thru Ameritas, but you then choose one network to utilize, Eyemed or VSP. Generally, Eyemed has very slightly better benefits than VSP (better premium contact lens reimbursement and very slightly lower deductibles). VSP however does have more "boutique" ophthalmologists in network whereas Eyemed is the largest vision insurance company in the USA (with VSP being the 2nd largest). There are links to search each network below (the monthly premiums are the same for either option.
The 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.
Vision Member Portal / ID Cards: Click "Member Sign In" (NY if in New York State) - NOTE do not use this site to check the vision network, use the links below.
Eyemed Vision Benefit Summary & Rates - through Ameritas Insurance
Eyemed Vision Benefit Summary - Spanish
EyeMed Insight Network
Find an Eyemed Eye Doctor
VSP Vision Benefit Summary & Rates - through Ameritas Insurance
VSP Vision Benefit Summary - Spanish
Find an VSP Eye Doctor
Your COBRA Rights
Disability Insurance
Accident Insurance - COVERS Accidents ON & OFF Job
Accident Insurance Benefit Summary
Get Accident Rates
Make Accident Insurance Claim - Instructions
Accident Insurance Claim Form
*It is recommended you just take a paper accident claim form with you when getting treatment for accident related events. Even minor events such as a bruise can be considered accidents.
Get Accident Rates
Make Accident Insurance Claim - Instructions
Accident Insurance Claim Form
*It is recommended you just take a paper accident claim form with you when getting treatment for accident related events. Even minor events such as a bruise can be considered accidents.
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