2024 Open Enrollment Crowder Benefit Plans
Now is the time! The Open Enrollment period runs
October 30th, 2023 through November 13th, 2023
What’s New in 2024? Medical Plan Contribution Rates Increase • 5% Advantage Health Savings plan • 10% Advantage Health Spending plan Dental Plan moves to cigna • No rate change! • Increased benefits in high and low plan • Integrated claims and MyCigna portal
Increased contribution maxes for HSA & FSA Earn a higher Wellness Benefit
We encourage you to review this guide and log into your secure portal at: https://crowder.smartben.net (or through the SmartBen Now app) to learn more about your benefit options and to elect your benefits.
A Message From the CEO
Your health matters, and in 2024, we are increasing our Wellness Benefit so we all focus on our health in the coming year. These things are changing in our Wellness Passport Program: 1. Our Wellness benefit is increasing to $750, over the longstanding benefit of $520! All employees who demonstrate their commitment to their own health by earning 100 passport points can earn a deposit into a tax-advantaged spending plan (Health Savings Account/HSA or Flexible Spending Account/FSA) in January 2025. You don’t need to be enrolled in our medical plan to earn your benefit—just take action to improve your own health in 2024. 2. Our Wellness benefit for spouses enrolled in our health plan coverage is increasing to $250! Enrolled spouses who get their annual physical and then complete a health risk assessment will earn a reward for 2025. 3. Earning the Wellness Benefit is easier than ever! Completing your annual physical and then taking a health risk assessment online gets you across the finish line to 100 points and earns you the $750 benefit. You can still earn an additional 300+ points through other preventive actions like twice annual dental cleanings, meeting biometric health range goals, participating in company-sponsored community service events or completing Health Coaching programs. We will be holding drawings throughout the year to reward our employees who get healthier by taking action and earning more points. Our management team joins you in this important initiative, and we commit to living the example we expect from others. Here’s to a healthier future…for all of us at Crowder.
Lynn Hansen Chief Executive Officer Crowder Constructors Inc.
Team Baseball Outing
SHED Competion Day
Byrd Park Reservoir Crew on Tradesmen Appreciation Day
Receiving a 2023 National AGC Safety Excellence Award
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What is Open Enrollment?
This is your time to ELECT, DECLINE, or CHANGE your Medical, Dental, and Vision coverage and/or ENROLL in or CHANGE your election in a tax-advantaged Health Savings Account (HSA) or Flexible Spending Account (FSA). The Open Enrollment online portal is available Monday, October 30th (7:00am) through Wednesday, November 13th (11:45 pm) for the January 1—December 31, 2024 plan year.
What Information Are You Looking For?
ALL
READ this interactive guide to make sure you understand the Crowder Benefit Plans
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SETUP your SmartBen portal (Click here for the online portal or download SmartBen NOW on your mobile device)
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PROJECT your healthcare costs and CHOOSE your Medical, Dental, and Vision plans for you and any eligible dependents
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LEARN about and ENROLL in a weekly contribution to a tax-advantaged Health Savings Account (HSA) or Flexible Spending Account (FSA)
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ADD a beneficiary if you enroll in a HSA account and click here to review the legal notices regarding your 2024 benefit plans
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PLAN to earn a Wellness Passport reward in 2024 for a deposit of up to $1000 in 2025
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REVIEW the difference between your Employee Self Service (ESS) and SmartBen NOW portals
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SEE what the Employee Assistance program (EAP) can do for you and learn more about the many mental health resources available for you and your family
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KNOW who to contact if you need any assistance
After Open Enrollment, you can ONLY change your coverage or add/remove dependents if you have a Qualifying Life Event (marriage, birth or adoption, change in employment status, divorce, death, gain or loss of other coverage, new student status). If a Qualifying Event occurs, you have 30 days from the date of the event to make the change. Volunteering at 5 Hearts Therapeutic Horsemanship
IMPORTANT!
If you are enrolling in a Crowder medical plan, you must complete a 2024 Medical Insurance Surcharge Affidavit. Remember, being tobacco-free is the only way to qualify for the preferred rate and save $25 per week. Click HERE to review the 2024 Medical Insurance Surcharge Affidavit and log into the SmartBen NOW portal to complete it online. 3
Your Guide to Online Enrollment Setting up your Portal Access
Full-time employees are eligible for ALL of the benefit plans offered. You may also choose to enroll your eligible dependents in any of our health benefits. SmartBen is our online enrollment tool. The site is accessible 24 hours a day, 7 days a week. The following tips will help you prepare and complete the online enrollment process. What You’ll Need to Enroll: • •
SSN and Date of Birth for any spouse or dependents you currently (or plan) to cover If you enroll in the health savings account, you will need beneficiary contact information
Steps to Complete Your Enrollment:
1. Log in to crowder.smartben.net (Google Chrome or Microsoft Edge) or log into the SmartBen NOW mobile app. Username: Crowder + Employee ID (Ex. Crowder12345) Password: DOB (MMDDYYYY) Keep your password confidential.
If you do not know your employee ID, Login to your ESS portal and click on profile. You can also contact anyone in Employee Services by calling 1.800.849.2966 (ask for Employee Services) or emailing employeeservices@crowderusa.com
Although your first enrollment is your DOB, all new employees enrolling in the SmartBen portal will be required to change their password. If you don’t know your password, you can click on “I forgot my password” or contact anyone in Employee Services.
2. Once logged in, you will see a Benefits Enrollment box containing a countdown of the number of days remaining in the Open Enrollment window. a. Select Begin Enrollment b. Select Open Enrollment under available enrollments 3. Review and Elect Benefits. a. You will enter the Enrollment process at the Benefit Manager Page b. Use this guide to review your options and make your benefit elections c. To enroll or make changes, click on a benefit name If you are enrolling a spouse or dependent in coverge, select Manage People to add dependent records for enrollment. • Employee: Review your personal information and make updates if necessary • Spouse/Dependent: Select Add a Spouse or Dependent to add your spouse and/or dependent’s information if you are enrolling them into a benefit plan. Click Save when you are finished.
NOTE: Adding spouse/dependent/beneficiary records to this section does NOT assign them to applicable coverage. Once all records have been added, select Continue. Official assignments to coverage will occur within the benefits as you are making your desired elections.
4. Once within the benefit, select the desired level of coverage under Who’s Being Covered. a. This will update the plan options to the appropriate level of coverage b. Once you’ve decided on your desired plan and level of coverage, click Select under the applicable plan c. The option will turn green and you can select Continue d. Once all requirements for the benefit have been updated, select Continue 4
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Your Guide to Online Enrollment (Cont.) 5. Once all elections are complete, each benefit will have a green light. To finalize your elections, select Continue from the Benefit Management page. a. Review your Elected Benefits to confirm each is listed as expected i. If changes need to be made, select Return to Lights ii. If everything is reflected correctly, complete your required Agreement and select Complete Enrollment b. Next Steps: i. You will receive notice that your enrollment has been successfully completed ii. You can then print your Confirmation Page for your records
Who is an Eligible Dependent? Coverage
Medical
Dental
Vision
DEFINITION OF AN ELIGIBLE DEPENDENT •
Your lawful spouse including a spouse from which you are legally separated, not including common law
•
Your Dependent Child* who is Under 26 years of age - or - 26 or more years old and primarily sup ported by you and incapable of self-sustaining employment by reason of mental or physical handicap
•
Your lawful spouse
•
Your Dependent Child* who is Under 26 years of age - or - 26 or more years old and primarily supported by you and incapable of self-sustaining employment by reason of mental or physical handicap
•
Your lawful spouse
•
Your Dependent Child* who is Unmarried at age 19 - or - unmarried between 19 and 25 and is a fulltime student (verification required) - or - A child who is 19 or more years old and primarily supported by you and is incapable of self-sustaining employment by reason of mental or physical handicap
*A dependent child includes: Your natural born child (or other child related to you by blood), stepchild, foster child, legally adopted child (or placed with you pending adoption) and a child listed under any court or administrative order.
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Make sure you enroll only eligible dependents into the Crowder benefit plans. You are required to notify us when your dependent no longer meets the eligibility requirements. Supporting documentation is required when adding eligible dependents.Examples of acceptable documentation include a marriage certificate, birth certificate, adoption certificate, or court order.
2024 WEEKLY Contribution Rates Tobaco User Rates (W/ $25 Weekly Surcharge)
Non-Tobaco User Preferred Weekly Rates
Advantage Health Savings
Family
Employee Only
Employee + 1 (Spouse or Child)
Family
Working Spouse Surcharge
$90.00
$118.50
$59.00
$115.00
$143.50
+$25.00
$160.00
$204.00
$85.50
$185.00
$229.00
+$25.00
Employee Only
Employee + 1 (Spouse or Child)
$34.00
$60.50
5% Increase
Advantage Health Spending 10% Increase
Weekly Rates Employee Only
Employee + Spouse
Employee + Child(ren)
Family
Base Plan
$4.90
$9.38
$9.14
$13.55
Buy-Up Plan
$8.86
$17.07
$14.34
$24.14
Weekly Rates Employee Only
Employee + (Spouse or Child)
Family
$1.70
$3.22
$4.74
DIGITAL ID CARDS ARE HERE! Download the myCigna and EyeMed mobile apps for access to online digital cards which you can use during doctor visits. Your SmartBen NOW app allows you to take a picture and store all your ID cards in one place.
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Crowder’s Medical Plans Crowder offers two comprehensive medical plans to meet the needs of our employees and their families. Each plan includes access to discounted rates for Cigna network providers, 100% paid preventive care and case management support for chronic health conditions. Make sure to download the myCigna mobile app to help manage your benefits or visit www.mycigna.com.
ADVANTAGE HEALTH SAVINGS*
ADVANTAGE HEALTH SPENDING*
Can be used with a tax-advantaged Health Savings Account (HSA)
Can be used with a tax-advantaged Flexible Spending Account (FSA)
In-Network
Out-of-Network
Emp Only: $2,000 Emp +1/Family: $4,000
Emp Only: $4,000 Emp +1/Family: $8,000
if coded as preventive
After Deductible is Met - Plan pays:
80%
60%
Employee Pays 20%
Employee Pays 40%
90%
Emp Only: $5,000 Family: $10,000
Emp Only: $10,000 Family: $20,000
80%
60%
80%
60%
80%
60%
Preventive Medications
Non-Preventive Medications
with a max of $150
Annual Deductible Co-Insurance
Select a Tier One provider for a 90% Co-Insurance benefit
Employee Pays 10%
Employee Pays 20%
Preventive Services Annual Physical, Mammogram, PSA,Pap Smear, Colonoscopy, Vaccines
100%
You do not need to meet the deductible for specific preventive medications
What’s the difference?
Out-of-Pocket Max
(Deductible and Co-Insurance)
Primary Physician
In-Network
Out-of-Network
Emp Only: $1,500 Family: $3,000
Emp Only: $3,000 Emp +1/Family: $6,000
100%
if coded as preventive
After Deductible is Met - Plan pays:
80%
Employee Pays 20%
60%
Employee Pays 40%
90%
Employee Pays 10%
Emp Only: $5,000 Family: $10,000
Emp Only: $10,000 Family: $20,000
$40 Co-Pay
60%
Visit to Specialist/ Urgent Care/ Emergency Room
80%
60%
Inpatient Care/ Outpatient Care Lab and X-ray Costs
80%
60%
Preventive Medications
Non-Preventive Medications
Family Practice, Internal Medicine and/or Pediatrician
Prescription Drug Benefits
(No Deductible)
You do not need to meet the deductible
Until deductible is met
$10 Generic
Employee Pays 100%
Preferred/Non-Preferred
Employee Pays 40%
After Deductible is met
with a max of $115
Employee Pays 20%
Specialty
Employee Pays 40%
with a max of $150
with a max of $115
*This chart only serves as a highlight of the Plan benefits. Refer to the Summary Plan Descriptions (Green Plan and Red Plan) for an inclusive list of both covered and non-covered services. Prescription cost listed reflect participating pharmacies.
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new and improved Dental Care Benefits Crowder is moving your dental benefits to Cigna with an increase in benefits and NO RATE CHANGES. Although you can visit ANY DENTIST, a Cigna network provider gives you access to lower negotiated rates, which can reduce your share of the cost. Make sure to download the Cigna mobile app to help manage your benefits or visit www.mycigna.com!
Base Plan
Buy-Up Plan
$1000 per person
$1500 per person
Deductible
$50 per person
$50 per person
The deductible does not apply to oral exams, preventive services, bitewing x-rays, brush biopsy, and sealants
$150 per family per benefit year
$150 per family per benefit year
2 x per calendar year
3 x per calendar year
Maximum Benefit per person per year on all services (Includes cleanings & any preventive services paid at 100%)
Oral Exams (including evaluations by a specialist)
Your Benefits
PPO Dentist
Premier Dentist
Non Participating
Dentist
Plan Pays
Plan Pays
Plan Pays
Diagnostic and Preventive services exams, cleanings, 2 fluoride treatments, & space maintainers
100%
100%
100%
Sealants - to prevent decay of teeth
100%
100%
100%
Brush Biopsy - to detect oral cancer
100%
100%
100%
Bitewing Radiographs - Bitewing X-rays
100%
100%
100%
Basic Services Emergency Palliative Treatment - temporary pain relief
80%
80%
80%
All other Radiographs - other X-rays
80%
80%
80%
Minor Restorative Services - fillings and crowns
80%
80%
80%
Non-Surgical Periodontic Services - Gums
80%
80%
80%
Simple Estractions - non-surgical teeth removal
80%
80%
80%
Other Basic Services - miscellaneous services
80%
80%
80%
Relines & Repairs - bridges, dentures, implants
80%
80%
80%
Major Services for Buy-Up Plan Only Endodontic Services - root canals Surgical Periodontic Services - gums Other Oral Surgery - dental surgery Major Restorative Services - crowns Prosthodontic Services - bridges, implants, & dentures
50%
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50%
50%
ANNOUNCING BENEFIT CHANGES FOR 2024
We are moving the Dental Plan to Cigna, our longterm partner for medical coverage, This allows us claims support integration as well as new benefits with NO INCREASE IN RATES. The Base Plan maximum benefit per person will increase from $750 to $1,000 per calendar year. The Buy-Up Plan maximum benefit per person will increase from $1,250 tp $1,500 per calendar year. In addition, the buy-up plan now includes 3 cleanings per calendar year!
Vision Care Benefits EyeMed remains our vision wellness partner through 2024! Remember - The frame allowance is $135, and you can replace your frames every 12 months.
Make sure to download the EyeMed mobile app to help manage your benefits and access member discounts. Summary of Benefits
Additional Discounts
40% OFF complete pair of prescription eyeglasses
20% OFF non-prescription sunglasses
20%
OFF Remaining balance beyond plan coverage *These discounts are fo in-network providers only
Vision Care Services
In-Network Member Cost
Out-of-Network Reimbursement
Exam with Dilation as Necessary
$10 Co-pay
Up to $35
Frames
$0 Co-pay: $135 allowance, 20% off balance over $135
Up to $68
Standard Plastic Lenses Single Vision Bifocal Trifocal Standard Progressive Lens Premium Progressice Lens
$10 Co-pay $10 Co-pay $10 Co-pay $75 $75: 80% of charge less $120 allowance
Up to $25 Up to $40 Up to $60 Up to $40 Up to $40
Lense Options (paid by the memeber and added to the base price of the Lens) UV Treatment $15 Tint (Solid and Gradient) $15 Standard Plastic Scratch Coating $15 Standard Polycarbonate $40 Standard Polycarbonate - Kids under 19 $40 Standard Anti-Reflective Coating $45 Polarized 20% off retail price Other Add-Ons and Services 20% off retail price
N/A N/A N/A N/A N/A N/A N/A N/A
Contact Lens Fit and Follow-Up (contact lens fit and two follow-up visits are available once a comprehensive eye exam has been completed) Standard Contact Lens Fit & Follow-Up Premium Contact Lens FIt & Follow-Up
Up to $55 10% off retail price
N/A N/A
Conatct Lenses Conventional Disposable Medically Necessary
$0 Co-pay: $135 allowance, 15% off balance over $135 $0 Co-pay: $135 allowance, plus balance over $135 $0 Co-pay: Pain-in-Full
Up to $108 Up to $108 Up to $210
Laser Vision Correction Lasik or PRK from U.S. Laser Network
15% off the retail or 5% off the promotional price
N/A
Hearing Care Hearing Health Care from Amplifon Hearing Network
40% off hearing exams and a low price guarantee on discounted hearing aids
N/A
Frequency Examination Lenses or Contact Lenses Frame
Once every 12 months Once every 12 months Once every 12 months
Crowder uses the ACCESS Network. For a complete list of in-network providers near you, use the Enhanced Provider Locator at www.eyemed.com or call 1-866-723-0596
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Health Savings Account (HSA) What is a Health Savings Account?
This tax-advantaged savings account is offered through HSA Bank to help you save for medical expenses (now and in the future) with tax-free dollars. It is available only if you are enrolled in a qualified high deductible health plan like the Crowder Advantage Health Savings Plan. The IRS significantly increased the maximum allowable for individuals and families in 2024. Make sure to check your annual commitment and weekly contribution rate to ensure you are getting the full advantage of the savings available to you and your family.
How do I use a Health Savings Account?
Once you enroll in an account through HSABank, you setup a pre-tax contribution to be deducted weekly from your gross pay. You can adjust your weekly contribution rate at any time, but you are limited to an Annual Maximum Contribution by the IRS, based on your coverage tier in the qualified plan. If you have single coverage, the individual max applies. If you have coverage for your spouse or family, you will be limited by the family max. Only the balance of your account is available for use to pay expenses. Employer contributions are allowed, BUT the amount contributed reduces the maximum allowable amount for the plan year. You can choose to transfer funds to investment accounts (no minimum balance required), and the interest/investment income accrues tax-free. Your account balance “rolls forward” every year, and because it is “individually owned” you take it with you if you change companies or retire. In addition, you can use your HSA to pay COBRA or Medicare premiums.
Individual Maximum: (Employee Only Coverage) Annual Contribution = $4,150
Family Maximum: (Employee + 1 or Family Coverage) Annual Contribution = $8,300
Catch-up Provision: Employees 55 and older can contribute an additional $1,000
Flexible Spending Account (FSA) What is a Flexible Spending Account?
Crowder partners with Flores & Associates to offer our employees TWO Flexible Spending Account (FSA) options: The Medical Reimbursement FSA is a perfect partner for the Advantage Health Spending Plan, and helps you pay for out-of-pocket health care expenses such as medical, dental, prescription drugs, eyeglasses, contact lenses, and hearing aids. You can contribute up to $3,200 in 2024, and the funds are available through the Flores Benefits Card or by reimbursement. Employees may carry-over up to $640 from 2023 if enrolled for 2024. The full amount committed for the plan year is available on your effective date of insurance. The Dependent Care FSA allows you to get a tax-advantage on your dependent care expenses so that you (and your spouse, if you are married) can work or go to school. You can contribute up to $2,500 (single) and $5,000 (married) and the care must be for a dependent child under age 13 or a dependent of any age that lives in your household and is incapable of care.
To manage your medical reimbursement or dependent care FSA account, go to www.flores247.com. You can sign up for text messages to alert you to activity and balance information, and download the Flores e-Receipt app to digitally capture and transmit receipts. 10
IMPORTANT!
Review Your Beneficiaries on File! When you sign up for benefits such as life insurance, 401(k) or a health savings account, you are asked to name a beneficiary to receive the proceeds should you pass away. Oftentimes, employees fill out the forms and move on, maybe even forgetting about which beneficiary is on which account. However, it is good practice to periodically take the time to review your beneficiaries, especially when you have a significant change in your life such as a marriage, birth of a child, or a divorce. These life events do not automatically change a beneficiary election on file. Your original designation remains in force whether it still reflects your wishes or not.
•
•
You can review your beneficiary elections on the SmartBen portal for life insurance. •
Your 401K beneficiary can be found on the Principal website.
•
Your HSA beneficiary can be found on the HSA Bank website.
If you need any help or have any questions you can always contact Employee Services! •
You can find all contact information on the back cover of this brochure.
Read Important Legal Notices Affecting Your Health Plan Coverage HERE
Read the Notice of Privacy Practices HERE
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2024 Wellness Passports
All employees (regardless of coverage under Crowder’s insurance) and covered spouses can participate in the wellness passport to earn passport points towards an annual wellness benefit. Once you have met your wellness passport requirements and submitted all documentation to wellness@crowderusa.com, you are eligible to receive $750 deposited into your Health Savings Account (HSA) or Flexible Spending Account (FSA) in January 2025. Spouses enrolled in Crowder’s insurance who meet wellness passport requirements and submit all documentation to wellness@crowderusa.com will receive an additional $250. All passports and documentation must be submitted by October 1, 2024. Remember, all annual well visits and vaccines are covered at 100% under Crowder insurance! Craft, Leadmen, & Foremen Employees • Complete a well visit with your primary care physician or a biometric screening AND • Complete a Health Risk Assessment (HRA) Craft, Leadmen, and Foremen Passport here Type B and C Employees • Get your Annual Physical (with biometrics) and complete a Health Risk Assessment • Earn up to 300 additional points through healthy activities and enter drawings to earn prizes throughout 2024! Type B and C Passport here Covered Spouses • Complete a well visit with your primary care physician or OBGYN including a biometric screening AND • Complete a Health Risk Assessment (HRA) Covered Spouse Passport here
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What’s the difference between the Employee Self-Service (ESS) Portal and SmartBen??? ESS Portal
SmartBen
Where do I find my paystub and time off balances?
Where do I sign-up for my health insurance (once eligible), make any changes during Open Enrollment, or update beneficiaries?
Visit the Employee Self-Service Portal by clicking here.You received an email from CrowderOAAdmin@ crowderusa.com with instructions including your username and password to your personal email address.
Download the SmartBen Now app or visit SmartBen by clicking here.
Username: Crowder + 5-digit Employee ID Number (Crowder12345) Password: System generated password. Once you login you will be prompted to change your password.
Username: Crowder + 5-digit Employee ID Number (Crowder12345) Password: DOB (MMDDYYYY) REMEMBER--if you are setting up your access for the first time, you will be required to change your password when you login for the first time.
ESS Portal
SmartBen
¿Cómo acceder a mi talón de pago y saldo de tiempo libre?
¿Cómo inscribirme en seguro médico (desde que sea elegible), cambiar mis elecciones durante “Inscripción Abierta” o actualizar a los beneficiarios?
Haga clic aquí para acceder tu Cuenta de Empleado en línea. En su cuenta de correo personal, usted recibirá un correo electrónico de CrowderOAAdmin@crowderusa.com con Descargue la aplicación SmartBen Now o haga clic aquí las instrucciones que incluyen su nombre de usuario y la para ir al sitio web SmartBen. contraseña de tu Cuenta de Empleado. Nombre de usuario: Crowder + su número de empleado de 5 dígitos (Crowder12345) Contraseña: Su fecha de nacimiento en formato (mmddaaaa)
Nombre de usuario: Crowder + su número de empleado de 5 dígitos (Crowder12345) Contraseña: Contraseña generada por el sistema. Desde que inicie sesión, se le pedirá que cambie su contraseña.
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What Can the EAP Do For You?
The Employee Assistance Program (EAP) is a FREE benefit to you and any immediate family member in your household. This benefit gives you and your family members FREE access to a counselor for up to 6 sessions (per issue) per calendar year. The EAP can help with financial planning, mental health, anxiety, grief and loss, legal aid, home buying, and more! You can call 24/7 to talk to a clinician at 800.633.3353. You can also click on Emploee to read about the many ways you can get help. Finally, access the Work-Life site for helpful resources by folloing the link to the login screen here: https://www.mygroup.com/ Username: crowder Password: guest
Mental Health Matters
At Crowder, you and your mental health and well-being are important to us! Did you know that the Construction Industry has the second highest suicide rate in the United States. With 123 suicides per day, which represents 1 death every 11 minutes, we want to share the resources we have available to each employee and their families including the EAP, 988 Suicide and Crisis Lifeline and our Cigna mental health support services. If you or anyone on your jobsite or in your office need help or someone to talk to, please contact your supervisor, Safety, your Employee Assistance Program (EAP), or the new national 988 Suicide & Crisis Lifeline. You can also reach out to anyone in Employee Services (by phone at 1.800.849.2966 or email at employeeservices@crowerusa.com) and we will help you find the right person to talk to for you or your family member.
RISK FACTORS
WARNING SIGNS
Stress
Spending tine away from family & friends
Poor Sleep
Isolation
Relationship Issues
Extreme Mood Swings
Depression
Increased anger or rage
Substance Abuse
Sleeping more or less
Economy
Decreased productivity
Chronic Pain
Increased tardiness or absenteeism Cigna Mental Health Support Services
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WHO CAN YOU CALL IF YOU HAVE QUESTIONS? Employee Services is a cross-trained team of Crowder Corporate Services employees ready to help with all of your benefit questions. You can call us at 800.849.2966 (ask for Employee Services) or email us at employeeservices@crowderusa.com. We understand your sense of urgency and will get back to you as soon as possible.
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CONTACT INFORMATION
Employee Services is a cross-trained team of Crowder Corporate Services employees ready to help with all of your open enrollment questions. Call us at 800.849.2966 (ask for Employee Services) or email us at employeeservices@crowderusa.com. We understand your sense of urgency and will get back to you as soon as possible. If you prefer (or need) to talk directly with the providers, below is their contact information.
Benefit
Carrier
Phone
Website
MEDICAL
Cigna 1-800-244-6224
www.myCigna.com Access to MDLive is integrated within your Cigna coverage and can be accessed through the myCigna website portal or app.
MDLIVE
Cigna
DENTAL
Cigna
1-800-244-6224
www.myCigna.com
VISION
EyeMed
1-866-268-4063
www.eyemed.com
HEALTH SAVINGS ACCOUNT
HSA Bank
1-800-357-6246
www.hsabank.com Log in using User Name and Password
FLEXIBLE SPENDING ACCOUNT
Flores & Associates
1-800-532-3327 or 704-335-8211
www.flores247.com Log in using Participant ID or User Name and Password
CROWER 401(K) RETIREMENT SAVINGS PLAN
Principal
1-800-547-7754 Contract #4-56506
www.principal.com
Family Resource Center & Employee Assistance Program (EAP)
McLaughlin Young
1-800-633-3353
www.mygroup.com Click on “My Portal Login” Username: crowder Password: guest
SmartBen Portal
Alight
Employee Services: 800-849-2966
https://crowder.smartben.net/ Username: Crowder + Employee ID Initial Password: DOB
ESS Portal
Coins OA
Employee Services: 800-849-2966
https://ess.crowderusa.com/cgi-bin/live. cgi/wologin.p
Voluntary Life & Disability
Lincoln Financial Group
1-800-426-2765
https://www.LincolnFinancial.com
This booklet is a brief summary of your benefits as of January 1, 2024 and is not considered “Evidence of Coverage.” Please refer to your policy/plan documents for a complete description of the controlling terms, coverages, exclusions, limitations, and conditions of your coverage. In case of discrepancy between this information and the actual plan documents, the actual plan documents prevail.
Follow Crowder on Social Media Today! Facebook and LinkedIn: @Crowder | Instagram: @Crowder_USA
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