FAQs:
Expect to pay a copayment for doctor’s visits, emergency room visits and urgent care center visits.
Your legal spouse or qualified domestic partner.
Dependent “child” up to age 26. Children may include natural, adopted, stepchildren and children obtained through court-appointed legal guardianship.
Your dependent children lose coverage at the end of the month they turn 26 years old. After this, for eligible plans they will receive a COBRA letter via postal mail.
All demographic information is shared with your health insurance companies with the personal information you provide in the HR system, Paylocity. To update your address or any contact information, log into Paylocity on the mobile app and follow these steps:
- Top left corner select the person icon.
- Then select contact.
- At this step you will be asked to verify your log in with a text.
- After typing in your security code, you will land on the page where your contact details are located.
- Update your information and click save.
Then email your designated HR to confirm Paylocity now shows your updated information. Your health insurance companies will receive this updated information within a week.
Health Benefit Changes Mid-Year:
Please alert your HR department as soon as possible. All mid-year changes (outside Open enrollment and new hire enrollment) are called Qualifying Life Events (QLEs). Certain life events provide you with a 30-day window to elect benefits or change your covered dependents.
If you experience any of the scenarios below, you may be eligible to update your benefit elections mid-year:
- Marriage, divorce, or legal separation
- Birth or adoption of a child
- Commencement or termination of adoption proceedings
- Change in child’s dependent status
- Death of a dependent
- Loss or gain of other health coverage for you and/or dependents
- Change in employment status
- Change in Medicaid/Medicare eligibility for you or a dependent
- Receipt of a Qualified Medical Child Support Order
Remember, dependent verification will be required.
The HR department will work with you on what is considered sufficient documentation. It is the employee’s responsibility to provide this within the timeframe of the QLE.
You will have to wait to make changes to your health benefits during open enrollment or if you experience another QLE.
Medical
You can log on to Cigna’s website (Cigna.com) and select “Find a Doctor”. The website will navigate you to a new window which will ask how you are covered. Please select “Employer or School”. Then enter in your Zip code and you may search by these three categories. Doctor by Type, Doctor by name or Health Facilities. The medical plans offered are CIGNA OAP.
If you need medical care when your regular doctor is not available, think about going to an urgent care center. The urgent care center should be used for minor emergencies (fever, cough, pain, etc.), when your physician’s office is closed and your symptoms are too severe to wait until the office reopens, or when you are out-of-town. The copayment is less for the urgent care center than the ER and getting care at the urgent care center will most certainly be faster than an ER visit. Emergency rooms should only be used for true emergencies such as broken bones, vigorous bleeding or severe pain. The next time you are faced with deciding where to go, be sure to evaluate all your options and choose the setting that best suits your illness or injury. Of course, in a true emergency, seek the appropriate care without delay.
An EOB is a description the insurance company sends to you explaining the health care charges that you incurred and the services for which your doctor has requested payment. You should compare your EOB to the bill you receive from the doctor. All data on your EOB should match the information that appears on the statements you receive from your doctor. If it doesn’t, contact the doctor’s office immediately.
Preventive care is proactive, comprehensive care that emphasizes prevention and early detection. This care includes physical exams, immunizations, well woman and well man exams. Be sure your child gets routine checkups and vaccines as needed, both of which can prevent medical problems (and bills) down the road. Also, adults should get preventive screenings recommended for their age to detect health conditions early. Remember all preventive care benefits are covered 100% under your medical plan.
The difference between generic and brand name medications lies in the name of the drug and the cost. Generic drugs cost much less than brand name drugs, save you and your employer money, and provide the same health benefits as brand name drugs.
Mail order drugs are perfect for patients who take medication on an ongoing basis. Examples are high blood pressure medication, high cholesterol medication, insulin, and birth control. Mail Order drugs are convenient because they are delivered to your doorstep, which relieves the stress of standing in line at the pharmacy.
Amazingly, many patients do not ask their doctor basic questions. “How much will my treatment cost?” “Can I be treated another way that is equally effective but less costly?” “What are the risks?” “What are the side effects?” Having a dialogue with your physician can help you better understand how his or her care decisions affect your health plan costs. It will also help your doctor get to know you better and consequently prescribe treatment that is more effective.
Dental
The benefit maximum is per covered person.
Our Cigna PPO Premium plan offers child orthodontic coverage up to the age 19 for dependent children. Cigna pays 50% up to $1,600 per lifetime or covered period under Cigna.
You can find an in-network provider by going to hcpdirectory.cigna.com and entering you address, city or state. Clicking on general dentist and logging into your MyCigna account. From here you will want to select one of the dental plan options available and it will provide you with a list of in-network providers.
Vision
Yes, Cigna vision insurance provides an allowance for frames and contact lenses. You are provided with a $150 allowance for frames every two years. As well a $150 allowance for contact lenses every year.
There are three ways to find a quality eye doctor in your area:
- Log into myCigna.com, under ”Find Care & Costs”, select “Doctor by Type.” Then select “Optometrist.” A pop-up message will appear with a link to Cigna Vision Directory (Serviced by EyeMed). Once the link is selected, you will be brought to the list of Cigna + EyeMed providers.
- Don’t have access to myCigna.com? Go to www.cigna.com, then select “Find a Doctor” in the blue bar. Select “Employer or School” when prompted. Enter in your zip code and then select “Doctor by Type.” Select “Optometrist” from the list, and then “Continue as Guest.” Select “OAP-Open Access Plus.” You will then see the same pop-up message as in Option 1 above. Select the link which will take you to the “Find an eye care provider” webpage. Do not click the “Ok” button in the pop-up message.
- Prefer the phone? Call the toll-free number found on your Cigna insurance card and talk with a Cigna Vision customer service representative.
Wellness
Denbright offers a wellness program named GoPivot. GoPivot offers fun and impactful ways to elevate all areas of your health including physical, mental, and financial wellness through education, activities, and challenges. Reach out to your HR department on instructions on how to participate.
With using GoPivot, you earn points by completing healthy activities and challenges, then spend your points in the GoPivot Marketplace! They offer hundreds of gift cards, thousand of merch items, tickets, and travel opportunities. Save your points for something BIG or spend as you earn. Points never expire if you are a active DenBright employee.
HSA
A Health Savings Account (HSA) is a tax-advantaged savings account that allows you to set aside pre-tax money to cover qualified medical expenses. You can use the funds in your HSA to pay for medical expenses like doctor visits, prescription medications, and other eligible healthcare costs. HSAs are paired with high-deductible health plans (HDHPs), and the money you contribute to your HSA can grow tax-free over time. It’s a flexible and cost-effective way to save for healthcare expenses while reducing your taxable income.
Yes, the HSA plan allows you to alter your contribution amount at any time. Once your benefit coverage is active, you may log in to Paylocity and select benefits. Then select change my coverage. From there, you may use the drop-down menu to select change my HSA and you may enter a updated contribution amount.
Yes, your employer contributes to your HSA. They provide an annual contribution of $500, with the first $250 deposited on the first pay date of 2026 and the second $250 contribution scheduled for July 2026. This employer contribution can help you save for your healthcare expenses while enjoying the tax advantages of an HSA.
The HSA requires two steps. 1. Activate the card once you get it in the mail by following the instructions on the new card. 2. Log into Paylocity spending accounts and agree to the terms and conditions of the account. Not available on the mobile app must log in on desktop.
Healthcare and Dependent care FSA
Paylocity – Their website is www.paylocity.com or you can speak with an Account Manager by calling 800-631-FLEX
You can find a list of Qualified Healthcare expenses in several places. By visiting paylocity.com and going to their resource library. You can also find this list on the Microsite. Finally, a full interactive list can be found on the FSA Stores Website, FSAStore.com where you can shop for items directly from their website with your Paylocity debit card.
The funds do not roll over. It is a use it or loose it plan.
Yes for medical FSA, Paylocity will mail you this card and the instructions on how to activate it.
Only for transactions that are $100 or more. Receipt must include the provider’s name, address, date and description of service. Receipt must be itemized or an Evidence of Insurability will also suffice from the insurance carrier.
Commuter: Transit & Parking Plans
No, if you are enrolled in any other Paylocity-administered benefits utilizing the Paylocity benefits Card, your funds are loaded onto the same card. When you make a transaction, the card will pull funds from the appropriate balance upon the MCC Code of the merchant.
No. The CBA may only be used for your work-related commuter expenses. You cannot use the CBA to pay for general travel expenses, even if they are business-related.
Voluntary Life Insurance
You are being asked to complete an Evidence of Insurability when selecting Voluntary Life Insurance to assess your health and determine your eligibility for coverage.
Guaranteed issue means you can get the insurance policy without a medical exam or health questions, regardless of your health status or pre-existing conditions.
Yes, after your benefits are in effect, you can alter your beneficiaries at any time. Please reach out to your HR department for further instructions.
401k
USI Consulting Group is a national consulting firm that has specialized in employee benefits planning and administration for over 30 years. They are one of the largest benefits consulting organizations in the country, servicing over 1,000 plans and more than one million total employees. Their Direct Solutions® program is a comprehensive retirement platform which combines the essential tools and services to help you manage your retirement account.
Please see the Denbright Match Communication found on the 401K page.