Page 3 - HM Benefits Guide 2019 National
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Welcome to
We know insurance can be confusing at times. This guide is designed to help you feel informed and
confident about your healthcare decisions so you can focus on your life – not worry about healthcare!
Take a walk through the who, when, and how of choosing and changing your benefits. Plus, check out
all of the free benefits available to you, and additional benefits which costs are shared between you and
Happy Money.
This guide contains a summary of your benefit options and is designed to help you
make choices and enroll for coverage. If you would like more information about any of
the benefits described here, please contact your People Partner.
Contents
Benefits at a Glance ............................................................................................................................4
Employee Contributions .....................................................................................................................5
Online Enrollment ................................................................................................................................7
Enrollment Information .......................................................................................................................8
Medical Plans ........................................................................................................................................11
Dental Plans ..........................................................................................................................................14
Vision Plan .............................................................................................................................................16
Employee Assistance Program .........................................................................................................17
Travel Assistance ..................................................................................................................................17
Life/AD&D Insurance ...........................................................................................................................19
Disability Insurance .............................................................................................................................20
Flexible Spending Accounts ..............................................................................................................21
Supplemental Benefits .......................................................................................................................22
Retirement Savings ..............................................................................................................................25
Important Information .........................................................................................................................26
Contacts .................................................................................................................................................28
Carrier Mobile Apps.............................................................................................................................29
Benefits Book | 3
