Benefits Resource Library

Open Enrollment is the annual window when you are able to make changes to your benefits elections. It happens once a year around the same time every year. You can talk with us or your company’s HR to find out when your group renews.

You can add dependents to your plan during your annual open enrollment period or if you or your dependent(s) have a qualifying event outside of open enrollment (such as a marriage, divorce, birth, loss of coverage, etc.)

Eligible dependents may include your children up to the age of 26 and/or your spouse or domestic partner.

It is important to know that if you are adding a child or spouse with a different last name, some carriers require documentation (such as a birth or marriage certificate) proving that they are your dependent.

Loss of coverage, gaining new coverage, marriage, birth of a child, divorce, etc. are considered Qualifying Events. You typically have 30 days from the date of the event to report your QE and make changes.

This depends on the plan you are currently enrolled in, but your deductible is the amount you must pay before your insurance kicks in. After you hit your deductible, then you will pay coinsurance until you hit your out-of-pocket max. Exact amounts will vary from plan to plan.

Your out-of-pocket max is the maximum amount you will pay in your plan year for covered, in-network services.

Coinsurance is what you pay after you meet your deductible. Once you hit your deductible, your insurance will start to pay a set percentage of your medical costs.

An example of this is say you have 30% coinsurance on hospital visits. Once you hit your deductible, you would pay 30% of the costs and your insurance would pay the other 70%.

The main difference between the two is that an HMO is a permission slip system. You need to get established with your in-network primary care provider first and then they can refer you to any specialist that you might need or request to see.

A common example of this is having a mole you want looked at, you would need to go to your primary care provider first, and then they can refer you to a dermatologist within the in-network medical group if it’s something the primary care provider can’t help with themselves first.

If you were on a PPO and you wanted to see a dermatologist, you could just make an appointment with them directly. You would not need the referral from your PCP first.

HMOs do not have out-of-network benefits.

PPOs have in and out-of-network benefits, but the in-network benefits are much better.

HMOs give you coverage with a medical group and these are based on geographical locations. If you are traveling with an HMO, only emergency services will be covered. If the need is not an emergency, you are expected to wait to receive care until you are back with your primary care doctor.

PPOs give you coverage wherever there are in-network providers. This is beneficial if you travel or visit family a lot you can go to an in-network doctor out of state and still be covered.

Do not delay or ignore the bill as this may have negative impacts on your credit. The quickest way to verify a bill is to create an online account with your insurance carrier which will allow you to view processed claims. If you’d like additional assistance with this process, please reach out to our Advocate Services team members at 855-662-1029 or via email AdvocateServices@morrisgarritano.com

• Summary of Benefits and Coverages (SBCs)
• Employee Assistance Program (EAP) Service Summary
• LiveHealth Online
• Prescription Home Delivery
• Rx Choice Pharmacy Network Updates (2023)
• Temporary ID Card Instructions
• HMO Guidelines for Enrolling and Accessing Services

• Summary of Benefits and Coverages (SBCs)
• Blue Shield Mobile App
• Print or Order Your ID Card
• Find the Doctor of Your Choice: Provider Search Instructions
• Teledoc
• Wellvolution
• HMO Guidelines for Enrolling and Accessing Service

• It’s Easy to Use Your Guardian Benefits

• MyHumana Mobile App
• Register Now for MyHumana
• How to View Your Dental ID Card

• Summary of Benefits and Coverages (SBCs)
• Kaiser Health Plan FAQs
• Accessing Estimates Online
• Getting Started with Kaiser
• Kaiser Mobile App
• Kaiser Nurse Advice Line
• Kaiser Service Areas
• Kaiser Walk-in Clinics at Target in So CA

• How to Register Online
• Dental ID Card
• Dental Mobile App
• How to Find a Dental Provider
• Grief Counseling Services

• Employee Assistance Program (EAP) Services
• Principal Member Benefits
• Dental Member Login Information

• Summary of Benefits and Coverages (SBCs)
• AccessUnitedAg Online Health Portal
• Costco Health Solutions
• Health Benefits Guide
• ID Card Instructions
• Teledoc

• UHC Mobile App

• Unum Claims Mobile App
• Claims Self Service
• Voluntary Benefits Claim
• Critical Illness Info

Notices, updates, and alerts impacting your coverage and policy are an important part of your comprehensive understanding. Keep track of issued notifications and relevant information here, complied for your convenience.

• Benefits Notices & Disclosures

The below items are designed to help educate and inform you on your employee benefits program.

• Accessing Preventive Care
• Accessing Telemedicine
• Benefits of an FSA (View Spanish Version)
• Determining If You Are an ALE
• HSA FAQs
• Navigating Your New Pharmacy Program
• Your HMO Plan

Get a step-by-step walkthrough on some of the most commonly used features of your Ease Benefits Administration Portal.

• View Ease Tutorials

Get a step-by-step walkthrough on some of the most commonly used features of your Employee Navigator Benefits Administration Portal.

• View Employee Navigator Tutorials