Aside from the premium difference, the MetLife Freedom Plan provides for a higher out-of-network provider benefit than the Preferred PDP Plan.
MetLife does not issue ID cards. When scheduling your appointment with your provider, advise them your dental insurance is through MetLife.
If you would like to have a card, after setting up an online account with MetLife, you can:
If you would like to have a card, click here.
Enrollment must be completed within 31 days of your effective date. To enroll you will need to be logged onto WoodmenLife’s system, either onsite or via VPN.
Annual Enrollment takes place from November 1 through November 15. Coverage becomes effective January 1 of the following year. You will enroll through the Lawson Portal. Once you are logged into the Lawson Portal, select:
To enroll you will need to be logged onto WoodmenLife’s system, either onsite or via VPN.
If you do NOT complete the Annual Enrollment process, your benefits elections will remain the same except the following:
Under Federal regulations, after a plan year (January – December) has started, you will not be able to change your benefit elections unless you have experience a qualifying event. These events include changes in your family status such as birth, adoption, death, or a change in your dependent’s employment status. Your election changes must be consistent with your status change brought by the qualifying event. To make a change in your benefit coverage, you must notify the Benefits Department, via phone or email, within 31 days of the event. Documentation may be required.
Yes, health insurance premium reductions are available to those hired or contracted prior to July 1 who participated in the Well-being Program. Health insurance premiums are based on completion and uploading of the biometric screening. Please click here for additional program details.
The Associate Plus deductible can be satisfied by one person or a combination of family members.
Yes, an updated list of covered contraceptives and methods of contraceptives is available on the BCBS website at nebraskablue.com.
A resource BlueCross BlueShield makes available offers the opportunity to research the cost of a drug at a pharmacy or via mail order. The following instructions will guide you through the process.
P.O. Box 7020
Appleton, WI 54912-7020
Reimbursements will be issued weekly on Friday. Requests received by Friday will be paid the following Friday.
If you enroll in the Select HRA the following year, 50% of your unused HRA account balance will be rolled over into an account for use during the next year to pay for qualified medical expenses.
Those enrolled in the Select HRA Plan have until March 31 to file a request for reimbursement for deductible expenses incurred during the previous plan year.
HRA balances can be obtained by calling Lucent directly at 1-877-236-0844.
When an FSA is combined with an HRA, you can use the FSA money to pay for eligible out of pocket expenses. Expenses related to medical, dental and vision care expenses can include deductibles, coinsurance, copayments, prescription drugs, and eligible over-the-counter items.
Yes, the cost of covered prescriptions will be applied toward the deductible and coinsurance.
Yes, you may change your contribution to your HSA account at any time during the year by sending an email to Benefits_Mailbox; include your name, employee code, the change requested and effective date of the change.
The combined Employer and Associate contribution limits for 2020, the limits are $3,550 for Associate Only and $7,100 for Associate Plus. For 2021, the limits are $3,600 for Associate Only and $7,200 for Associate Plus coverages. If you are age 55 or older you are eligible to contribute and additional $1,000.
Yes, when a FSA is combined with a HSA, the FSA becomes limited and the FSA money can only be used for dental and vision expenses.
The most utilized services include: estate planning, family law, document review, defense and civil lawsuits, consumer protection matters, immigration matters, traffic offenses, financial matters, juvenile matters, personal injury, probate, and real estate.
The access code for Hyatt Legal is 9903241.
If you have biometric results that don’t meet passing standards, you will no longer need to take action to “pass”. These measurements are for your own assessment of your health, and it is up to you and your doctor to decide how to address your results.
Those who do not use WoodmenLife group health insurance will receive a $100 well-being reimbursement for participating in the Well-being Program. We encourage all associates to submit biometric results, so they are eligible for the Preferred Tier if they need to begin using our group health insurance at any point (i.e. as a result of a qualifying event).
For health insurance rates, there will be a Standard Tier and a Preferred Tier. To receive the Preferred Tier (the lowest premium), you simply need to upload your biometric screening results to guidanceresources.com by the September 30 due date. The four biometric screening requirements (blood pressure, cholesterol, BMI, and glucose) will remain the same.
You will pay rates in the New Hire tier for both the current plan year and next plan year. Those hired prior to June 30 will be able to qualify for lower premiums through participation in the Voluntary Well-being Program.
VSP does not issue identification cards. When scheduling your appointment with your provider, advise them your vision insurance is through VSP.
Yes, click here.
If your provider does not file the claim on your behalf, click here for instructions.
All associates* hired after October 1, 2006 or those who elected not to continue participating in the pension plan.
*Delta sales representatives are not eligible for any group benefits.
To check your current 401(k) contribution and/or increase your contribution (aka deferral percentage), log onto your participant account with Empower Retirement or call Empower Retirement at 844-465-4455.
WoodmenLife recognized an opportunity to assist our associates in preparation for retirement, while also becoming more competitive in the marketplace to recruit and retain our most valuable resources.
Yes, resources are available by accessing the Retirement Income tool on the main page after logging onto Empower Retirement.
Contact the Benefits Department via email (Benefits_Mailbox@woodmen.org) or 800-328-2968 ext 57047 for pension related questions. Empower Retirement and the Benefits Department can address your 401(k) related questions.
The first time you log on to Empower Retirement, you will need to create a username and password with the following steps:
If you are not able to gain access to your account online, please contact Empower Retirement at 1-844-465-4455.
All active home office associates, Regional Directors, Recruiting Sales Managers are eligible to contribute to the 401(k) following 1 month of service.
All Sales Representatives are eligible to contribute following 9 months of Alpha service.
Once eligible, new associates will be automatically enrolled at 3%. Contributions can be increased or decreased at the time of eligibility or as often as every pay period by logging onto Empower Retirement or calling Empower Retirement at 844-465-4455.
Once eligible you can change your deferrals as often as every pay period. Just log into your participant account at Empower Retirement or contact Empower Retirement at 1-844-465-4455 to make deferral changes.
If you are contributing less than 10%, your contribution will be increased 1% in April. Associates will have the opportunity to opt out of this auto increase every year.
The Roth 401(k) allows you to save money on an after-tax basis. Since this in an after-tax contribution, you pay federal and, if applicable, state and local taxes pre-contribution. Withdrawals of earnings and contributions are tax-free, if certain criteria are met.
There are many factors to consider before deciding if Roth contributions are beneficial. Most people find it appealing if they feel their tax rate will be higher at retirement, tax diversification or are unable to contribute to a Roth IRA.
Yes, you can do a combination of both pre-tax and Roth contributions up to the annual limit for the year as set by the IRS.
Simply log in to your participant account at Empower Retirement. Once logged in you will see “FAQ” in the upper right corner next to “Tour”. Click on “FAQ” and you will be able to access additional information.
No. Due to the high competitive value of the pension benefit in the marketplace there are no plans to change the pension plan.
No. There are no plans to open the pension plan.
Both plans have distinct advantages. Just to name a few:
Associates hired prior to October 1, 2006 were given the opportunity to opt out of the pension plan and opt into the 401(k) plan with employer contributions. Those who opted out of the pension have a benefit that is considered frozen as it is no longer accruing a benefit.
Those who elected to remain in the pension plan continue to accrue a pension benefit. These associates can also elect to contribute pre and post-tax contributions to the 401(k) plan, however, because WoodmenLife is funding the pension benefit, associates accruing a pension benefit will not receive 401(k) contributions in the form of a match or service related contributions.
Yes, you can elect to contribute pre and post-tax contributions. However, because WoodmenLife is funding your pension benefit, you will not receive 401(k) contributions in the form of a match or service related contributions.
Yes, you can contribute and are eligible to receive a match and service related contribution.
No, active participation for those accruing a benefit in the pension plan will end only in the event of termination, retirement, disability or death.
No. There are no plans to freeze or payout pension benefits.
WoodmenLife is required to report the offering of healthcare benefits and the enrollment elections for all individuals to the Internal Revenue Service (IRS).
As a participant who is eligible to receive health care benefits, you will receive a new tax form for each tax year (1095-C). This form will be postmarked by the deadline imposed by the Internal Revenue Service.
The 1095-C reports the health care coverage that you and your dependents were offered and enrolled in during the previous tax year. You will not need to file the 1095-C with your tax return, but keep it with your other important tax documents. Other forms of documentation may also be used to provide proof of insurance coverage including:
When reviewing the information on your form, you may notice that the “offer” amount differs from the amount of premium that you actually paid; this is because WoodmenLife is required to report the premium tier for which all participants are eligible. For WoodmenLife, that is the “Standard” premium tier amount for the coverage level in which you were enrolled.
For questions about your benefits coverage, please contact the Benefits Department at (800)328-2968 ext. 57047. Premium information can also be found on the benefits and wellness web page.
If you have any questions about how this form impacts your individual tax situation, please consult with your tax professional or visit the Health Care Information form page on the IRS web site for additional information.
For questions about WoodmenLife’s Form 1095-C, please contact the Tax Department at Ext. 7826.
Simply visit Woodmen Life’s Cariloop landing page (cariloop.com/woodmenlife) and click the “Connect with a Care Coach” button. Of course, we’re always here if you have questions and prefer to call 972-325-5836 or email us at email@example.com.
You can log back into your case file any time by going to https://www.cariloop.com and clicking the “Member Sign In” button in the top right corner.
Our application is all browser based, which means it works on any PC, Mac, tablet, or smart phone and runs most effectively in browsers such as Chrome, Edge, Safari, or Firefox. We designed it this way so that when you first call in needing our help, we can get you started as quickly as possible without needing to download anything.
You can upload files and documents securely to your case file in one of two ways:
Go to your Care Team and click on the “Invite Someone” button in the top right corner. You’ll then be prompted to fill in the person’s name and email address. Once you hit send, an email will be sent to your family member asking them to join the case.
No. Your membership grants you unlimited access to Cariloop’s Care Coaches and case management portal. Any time you need us, we are here to help!
Yes. Our Coaches are committed to walking with you through your entire caregiving journey. So long as you are a Cariloop member, your dedicated Care Coach will be there for you any time you have an issue or a question.
All our Care Coaches are licensed or certified healthcare professionals with a minimum of 10 years of experience in fields including nursing, social work, case management, therapy and counseling. When you begin your journey with Cariloop, we pair you with a Coach whose expertise best matches your specific caregiving situation.
No. If your Coach ever needs to discuss your situation with a healthcare provider, your Coach will ask you to sign and store a HIPAA form on the Cariloop portal.
Every caregiver’s story requires its own unique amount of time and dedication to resolve the issue at hand. Any time you post in your case file, our Coaches are trained to be responsive within two hours maximum although many times they are even faster than that. We are committed to equipping and supporting you in your caregiving journey as quickly and efficiently as possible.
Yes. As the owner of your case file, you have complete control over who has access to your case. Your doctor or attorney is more than welcome to join your case if you invite them to do so. Anyone you invite will be required to create a Cariloop username and password upon joining your case.
Our Care Coaches will have the quickest response time when you post in your case file. However, our Coaches are also available via phone call or video chat when necessary.
Anyone who you have granted access to your case file can post discussions and upload documents to your case file. Therefore, your siblings can communicate directly with your Care Coach via the portal at any time—no need for you to spend extra time being the mediator.
Yes. Your Cariloop membership brings support to your entire family—your spouse, parents, grandparents, in-laws, aunts and uncles, cousins, etc.
Simply click the “Forgot password?” button on the login home page (https://plan.cariloop.com) and enter your email. Instructions for resetting your login information will be sent to the email that you entered.
Yes. Memory care is one of the many challenges that our Coaches have helped family caregivers just like you face with their loved ones.
Yes. We understand how difficult conversations like this one can be, and our Coaches will be there to support you with everything from conversation starters to expectation management. We’ll also help you explore your loved one’s options for what’s next—whether this means searching for a professional caregiver or considering facility options.
Yes. Our Coaches are committed to finding options that best match your loved one’s care situation. Our core value of integrity requires our Coaches to provide the most objective and transparent recommendations possible.
Not at all! Our online portal is specifically designed with you in mind. When you sign in to our site, you will only find the elements necessary to effectively communicate with your family and your Care Coach.
Absolutely! All family members, including the loved one you are caring for, are more than welcome to use the portal if you decide to invite them into your case file. Adding and removing people from the case file is left up to the owner of the case file.
No. Our portal is best suited for organizing and storing important documents rather than transferring them. However, our mobile-friendly web app does allow you to easily access and share these documents with providers when necessary.
Your Care Coach will do whatever research is necessary to find care facilities that are most appropriate for your loved one’s situation. The questions that our Coaches ask during the search process are applicable to every care facility, no matter what state you live in.
Yes. Our Coaches will contact facilities during the search process to ensure that a facility will be a good option for your loved one.
Yes, this is a benefit provided by WoodmenLife at no cost to associates.
The Care Team is managed by the case owner. The case owner can be the person who sets up the case OR it can be the person who is appointed as case owner. For example, if I want to set up a case for my mom, I will automatically be case owner. However, if I decide I want my mom to run her own case, I can assign her as case owner, and she will then be able to name who can and cannot have access to her info.
Anyone on the care team has access to uploading and removing documents that they themselves have posted. Care Team members are not able to remove documents uploaded by other Care Team members.
Yes, you can absolutely request the same Care Coach for multiple cases. The best way to do this is set up one case and during your initial conversations with your Care Coach, mention that you have another family member you want to set a case up for. Your Coach can set that up for you right there and you will then have the same dedicated Care Coach for all of your cases!
Yes, absolutely! Our Care Coaches have the medical and legal documents for healthcare related topics in each state. So, they are very equipped to help you with any and all Medicaid matters. We also have a Medicaid/Medicare specialist on the coaching team so rest assured you will be in good hands.
Yes! The beautiful thing about Cariloop is we can help you research anything you need help with when it comes to caregiving, no matter who you are caregiving for. In this case, VA benefits for your spouse, we can definitely help you!
While there are not coaches who are specialized in TriCare, Cariloop coaches can assist with researching and providing assistance with TriCare.
Yes! We have a few social workers on our Coaching team which means we are well equipped to helping you find any resources you need! We are here to help you with any caregiving questions you might spend your time Google-ing. You and your dedicated Care Coach can have initial conversations about your preferences on facilities and then your Coach will begin doing the research for you. You two will work together for however long it takes to find a facility that works for you and your loved ones! There is no limit to the amount of interaction or support you receive from your Care Coach.
Yes! We have very knowledgeable Care Coaches that can walk with you through filling out Power of Attorney, and many other healthcare documents, to make sure you get it right!
We encourage members to invite people into the case who they would like to be involved if this is a concern. If an owner is the only person on the care team and they pass away other people would need to contact Cariloop directly and prove they are who they say they are and are ok to be taking over the case. The best thing to do is invite others in that may need to take over if the fear of passing is real.
Ultimately, it’s up to the caregiver what information is provided, and we adhere to HIPAA with what’s provided to us. Our platform is HIPPA compliant and our care coaches don’t share any PHI unless we have written authorization to do so.