We believe that the power of choice and personalizing benefits is the future, and that future is NOW!
We are so excited to partner with you and your employer to help you personalize your health benefits selection this year. As a part of the benefitbay® ICHRA experience, your employer has unlocked the individual family plan (IFP) marketplace for you. Finding a plan that fits your needs is an important decision.
Here is a great article and video (below) to help you learn some of the basic insurance terms:
At this time, you should have already logged in, verified, or updated your personal information and family members, and selected your medical providers.
In order to enter the shopping experience, select the blue "Continue to enrollment" button. Select the "Shop" button under the "Your options" area.
Verify you want to shop for all listed family members and confirm the address. If you would like to remove a family member from a shopping experience, uncheck the box next to their name. Click the blue "Save and continue" button to be navigated to medical shopping.
(NOTE: You must be enrolled in a plan in order for dependents to be eligible to enroll in plans).
Shopping for a Medical Plan
YOUR personalized benefits are here! In the medical shopping experience, you search for and select the plan that is best for you and your family. Medical plans are based on the age and zip code of the members of your household you want to cover. You can view the available medical plans in your area, the monthly premiums for those plans as well as your per pay-period cost based on the employer ICHRA contribution available to you.
Viewing Filters
During the shopping experience, you can use Filters to narrow your plan search. At the top of the screen, click the white "Filters" button to see the available options below:
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Carriers - you may select an insurance carrier you have had before
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Metal Levels - as a part of the Affordable Care Act (ACA) all IFPs have a metal level which is the level of coverage the plan offers (bronze, silver, gold)
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Plan Type - most IFPs are built to provide local access to care and will be categorized as HMO or EPO which allows you better coverage for localized providers
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Health Savings Account (HSA) Eligible - having an HSA-qualified plan is required if you wish you make contributions to an HSA
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Networks - using this Network Name you can confirm with your provider if they are In-Network for that specific plan
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Providers - since you have added your preferred providers to your employee profile, you will see if each provider is covered in-network by seeing a "green checkmark" next to their name; if they are not in the Network, there will be a "red x" next to their name
Comparing Medical Plans
You may compare plans by selecting the compare box of different plans (up to four at one time). To compare plans, click the box in the top right corner of the plans you are interested in. Once two plans are selected, a blue "See comparison" button will appear at the bottom of your screen.
You will see the selected plans side by side. You can print/save a copy by clicking the blue "Print view" button at the bottom of your screen.
To navigate back to plan options, you can click "Back to all plans" at the top of the screen. If you are ready to make your selection, you can click the white "Select plan" button at the top of the medical plan you are interested in.
You will be directed to a confirmation page, where you can review the plan, the premium, and the details. If you would like to complete the enrollment, select the available blue button on the screen.
If your employer has chosen an enrollment partner, you will be directed to select a time on their calendar to complete your enrollment. Please be sure to schedule and attend this meeting to complete your application!