Page 3 - Heritage Oaks_Benefit Guide 7-1-2020_Revised 09-25-2020
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Important Information
The intent of our benefit guide is to briefly highlight your benefits and NOT to replace your insurance
contracts or booklets. The information has been compiled into summary form to outline the benefits
offered by your company. If this benefit guide does not address your specific benefit questions,
please refer to the Contact Information page of this booklet. The contact page will provide you
with the information you need to contact the specific insurance carriers and/or Human Resources
Department for additional assistance. The information provided in this summary is for comparative
purposes only. Actual claims paid are subject to the specific terms and conditions of each policy
contract. This benefit guide does not constitute SBC’s, policy or contract. Our Employee Benefit
Portal includes plan information, summaries, costs, carriers contact information, videos and more.
Who is Eligible?
If you are a full-time employee, working a minimum of 30 hours per week, you are eligible to enroll in the
benefits described in this guide. New employees are eligible on the first of the month following 60 calendar
days of employment. Family members are eligible for medical, dental, vision, (please see benefit page for
dependent children age requirements).
When to Enroll
All employees are required to complete the New Hire online Enrollment at
new hire and once a year during the Annual Open Enrollment.
Open enrollment is in June for a July1st effective date. New hire enrollment
login and password will be provided by your Human Resources contact with
login instructions. Open Enrollment Password and Login is on page 22
Can I make changes during the plan year?
Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 30 or the Library
section of your Benefit Website.
LAW TO HAVE HEALTH INSURANCE or PAY!
Individuals are still required to have medical unless you have qualified
waivers as mandated by current law. The penalty for not having cover-
age ended January 1, 2019.
Please note that ALL United Healthcare medical plans offered by Heritage Oaks meets the
“minimum value standard” for health coverage according to the Affordable Care Act.
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