Whether you are a new employee enrolling into your benefits for the first time or considering your benefits during open enrollment, this guide is designed to help you through the process.
LHC is proud to offer you a broad range of benefit options. You can choose from a number of plans including medical, dental, vision and life insurance.
Please take the time to read this information and ask questions so you can make the best benefits decisions for both you and your family.
should have any questions:
1. Contact the carrier directly. Phone number and website information is on page 16
2. Please contact Dave Taylor (davidt@lhcmt.com / 406-758-6412) in Human Resources.
This booklet highlights important features of LHC’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Enrollment Information
PLANS ARE EFFECTIVE JANUARY 1, 2026
Elections are to be made in Employee Navigator starting November 3, 2025 through November 10, 2025.
BENEFIT ELIGIBILITY
Active, full-time employees working at least 30 hours per week are eligible for benefits the first of the month following 60 days from full time employment. If you do not enroll within 30 days of your eligibility date, you will not be able to enroll until the next annual open enrollment period.
Open Enrollment is your annual opportunity to enroll. Unless you have an IRS qualified Life Event during the plan year, you cannot make changes to your benefit elections until next open enrollment.
Qualifying Life Event
The elections you make during Open Enrollment or at your initial benefits eligibility will remain in effect for the plan year. During that time, if your life or family status changes according to the recognized events listed below, you are permitted to revise your benefits coverage to accommodate your new status. You may make benefits changes by contacting Human Resources and providing the proper documentation.
IRS regulations govern under what circumstances you may make changes to your benefits, which benefits you can change and what kinds of changes are permitted.
■ All changes must be consistent with the qualifying life event.
■ In some cases, you can change your benefit plan and modify the level of coverage (such as add or delete dependent).
Any changes in benefit levels must be completed within 31 days of the qualifying life event.
HEALTHCARE REFORM REMINDERS
■ Your medical plans are in compliance with the Healthcare Reform legislation.
■ Pre-existing conditions will not disqualify employees from coverage.
■ Preventive services are covered 100% under your medical plans, including men & women’s health benefits, annual physical, immunizations, etc.
■ Dependent coverage up to age 26 regardless if married or a student.
QUALIFYING LIFE EVENTS LIST
Marital Status Changes Covered Dependent Changes
■ Marriage
■ Death of spouse
■ Divorce
■ Spouse gains or loses coverage from another source
■ Spouse employer’s Open Enrollment
■ Birth or adoption of a child
■ Death of dependent child
■ Dependent becomes ineligible for coverage
Online Tools
If you ever misplace your ID card, you can visit the carrier website listed below or download their mobile app.
Medical
Members may register at bcbsmt. com. Once you register, members may print or request additional ID cards. You will also have access to copies of your EOB’s and educational information.
To download the mobile app, search BCBSMT on your smartphone App Store.
Dental & Vision
Members may register at GuardianAnytime.com. Once you register, members may print or request additional ID cards.
To download the mobile app, search Guardian Providers & ID Card on your smartphone App Store.
Employee Navigator
Employee Navigator is your 24/7 Online Benefits Site. This portal will allow constant access to anything and everything benefits related. You can find your enrollment summary as well as copies of your Summary of Benefits and Coverage (SBC’s).
You will receive an Open Enrollment email from Employee Navigator which will allow you to register for the portal (if you haven’t already) and login to confirm your benefits.
LHC is hosting an ACTIVE Open Enrollment, meaning that you are REQUIRED to login to Employee Navigator and confirm or decline your benefits for the upcoming plan year. If you do not log in and select your desired plans again, all enrolled benefits will be terminated on December 31, 2025.
Company Identifier: LHC8
Medical Plans
LHC offers Medical Coverage through BCBS of Montana. You and the company share the cost of the healthcare benefits. Your contribution depends upon the plan you choose and the number of covered dependents, if any. Group # 255704
*HSA 5000
Office Visits
Preventive Care Covered In Full Covered In Full Covered In Full
Primary Care Deductible, then 0% Deductible, then 0% $30 Copay
Specialist Deductible, then 0% Deductible, then 0% $75 Copay
30 Day Supply Deductible, then 0% Deductible, then 0% $0 / $10 / $20 / $60 / $80 /$110 / $130 /$200 / $300
Mail Order (90 Day Supply) Deductible, then 0% Deductible, then 0% $0 / $30 / $180 / $330
Inpatient Hospitalization Deductible, then 0% Deductible, then 0% Deductible, then 20%
Outpatient Surgery Deductible, then 0% Deductible, then 0% Deductible, then 20%
Urgent Care Deductible, then 0% Deductible, then 0% $30 Copay
Emergency Room Deductible, then 0% Deductible, then 0% $400 Copay
You will only receive a new medical ID card in the mail if you are enrolling for the first time or making changes to your enrollment tier/dependents.
Health Savings Account (HSA)
An HSA is a consumer-owned, tax-advantaged savings account, created to pay healthcare expenses, that is always combined with a high deductible health plan. The benefits of an HSA are pre-tax savings and an incentive for the consumer to stay healthy, plan and better use your healthcare resources.
HSA CONTRIBUTIONS
LHC will contribute a quarterly amount towards your HSA bank account based on the table at the bottom of Page 13.
THERE ARE TWO COMPONENTS TO AN HSA-BASED COVERAGE PLAN:
1. A qualified health plan is the insurance component that provides medical coverage for you and your family.
2. An HSA bank account with Peak One which can be funded by pre-tax payroll contributions from you.
HOW AN HSA WORKS:
1. Enroll in an HSA Compatible HDHP health plan
2. Contribute to your HSA by payroll deductions on a pre-tax basis:
The money contributed to the account is yours to keep and will roll over year after year –no ‘use it or lose it’ rule!
■ Up to $4,400 for single coverage
■ Up to $8,750 if you enroll a dependent
■ An additional $1,000 if you are age 55 or older
3. With your HSA debit card, use your HSA funds to pay for qualified expenses such as:
■ copays
■ deductibles
■ chiropractor
■ dental treatment
■ hearing aids
■ glasses/ contacts
■ prescriptions
■ over the counter drugs and medications
NOTE: Under the CARES Act, over-the-counter medicines are NOW an HSA qualified expense regardless of having a Doctor’s prescription. (See IRS Publication 502 for details).
HSA ELIGIBILITY
To make tax-free contributions to an HSA, the IRS requires that:
■ You are covered by an HSA qualified plan (such as the HDHP plan)
■ You are not enrolled in any other plan that is not considered a High Deductible Health Plan.
■ You are not enrolled in Medicare, Medicaid, medical FSA, or have other military health benefits.
HSA DEBIT CARD
■ LHC has partnered with Peak One Administration. You will use your HSA debit card to pay for qualified medical, dental or vision expenses out of your Peak One HSA bank account.
■ If you have an HSA account already, you will continue to use your current Debit Card.
Manage Your Prescription Benefits
Manage Your Prescription Benefits
Your Prescription Drug Coverage
Use network pharmacies.
Use network pharmacies.
Use network pharmacies.
• You can save money by using an in-network pharmacy.
• You can save money by using an in-network pharmacy.
• Look under Pharmacy in Blue Access for Members or visit Prime Therapeutics at myprime.com to search for a value pharmacy near you.
■ You can save money by using an in-network pharmacy.
■ Look under Pharmacy in Blue Access for Members or visit Prime Therapeutics at myprime.com to search for a value pharmacy near you.
• Look under Pharmacy in Blue Access for Members or visit Prime Therapeutics at myprime.com to search for a value pharmacy near you.
Check your drug list.
Check your drug list.
Ask your pharmacist how to take your prescriptions.
Ask your pharmacist how to take your prescriptions.
Ask your pharmacist how to take your prescriptions.
Prescription drugs come with guidelines about how to take them for best results and to avoid side effects.
Manage Your Prescription Benefits
Manage Your Prescription Benefits (continued)
■ Right dose.
Check your drug list.
• The drug list is a list of covered medications.
Manage Your Prescription Benefits
■ The drug list is a list of covered medications.
(continued)
• The drug list is a list of covered medications.
• Check to see if your prescription is on the drug list at bcbsmt.com/rx-drugs/drug-lists/drug-lists under “Individual & Family Metallic Plans.”
Prescription drugs come with guidelines about how to take them for best results and to avoid side effects.
■ Right time.
Manage Your Prescription Benefits
(continued)
■ Check to see if your prescription is on the drug list at bcbsmt. com/rx-drugs/drug-lists/drug-lists under “Individual & Family Metallic Plans.”
■ Right way.
Ask if you can get a 90-day supply or home delivery.
Ask if you can get a 90-day supply or home delivery.
Ask if you can get a 90-day supply or home delivery.
• If your drug is not on the list, check with your doctor for a covered alternative to consider.
■ If your drug is not on the list, check with your doctor for a covered alternative to consider.
• Check to see if your prescription is on the drug list at bcbsmt.com/rx-drugs/drug-lists/drug-lists under “Individual & Family Metallic Plans.”
Prescription drugs come with guidelines about how to take them for best results and to avoid side effects.
• Right dose.
• Right dose.
• Right time.
• Right way.
• Right time.
Ask if you can get a 90-day supply or home delivery.
• If your drug is not on the list, check with your doctor for a covered alternative to consider.
• If you are taking medication on a routine basis, you may be able to get more than a 30-day supply* or home delivery.
• If you are taking medication on a routine basis, you may be able to get more than a 30-day supply* or home delivery.
• If you are taking medication on a routine basis, you may be able to get more than a 30-day supply* or home delivery.
• Right way.
BCBSMT has a program with select local pharmacies called Pharmacists Adding Value & Expertise®.
Ask if you can get a 90-day supply or home delivery.
• Log in to Blue Access for Members for details.
• Log in to Blue Access for Members for details.
■ If you are taking medication on a routine basis, you may be able to get more than a 30-day supply* or home delivery.
• If you are taking medication on a routine basis, you may be able to get more than a 30-day supply* or home delivery.
• Log in to Blue Access for Members for details.
■ Log in to Blue Access for Members for details.
Ask if you need prior authorization.
Ask if you need prior authorization.
Ask if you need prior authorization. In some cases, your doctor will need to send BCBSMT a request for approval before your prescription drug may be covered.
BCBSMT has a program with select local pharmacies called Pharmacists Adding Value & Expertise® .
■ PAVE® pharmacies reach out to eligible members based on how they fill their prescriptions.
BCBSMT has a program with select local pharmacies called Pharmacists Adding Value & Expertise® .
Ask if you need prior authorization.
Plan ahead if you take specialty medications.
• Log in to Blue Access for Members for details.
Ask if you need prior authorization.
In some cases, your doctor will need to send BCBSMT a request for approval before your prescription drug may be covered.
• PAVE® pharmacies reach out to eligible members based on how they fill their prescriptions.
BCBSMT has a program with select local pharmacies called Pharmacists Adding Value & Expertise® .
In some cases, your doctor will need to send BCBSMT a request for approval before your prescription drug may be covered.
In some cases, your doctor will need to send BCBSMT a request for approval before your prescription drug may be covered.
• Specialty medications are used to treat serious or chronic conditions.
BCBSMT has a program with select local pharmacies called Pharmacists Adding Value & Expertise® .
• PAVE® pharmacies reach out to eligible members based on how they fill their prescriptions.
• PAVE® pharmacies reach out to eligible members based on how they fill their prescriptions.
Plan ahead if you take specialty medications.
In some cases, your doctor will need to send BCBSMT a request for approval before your prescription drug may be covered.
• They may have special handling or storage needs.
Plan ahead if you take specialty medications.
Plan ahead if you take specialty medications.
• Specialty medications are used to treat serious or chronic conditions.
• They may not be stocked by retail pharmacies.
■ Specialty medications are used to treat serious or chronic conditions.
• BCBSMT and pharmacists work together with these members to help them take their medications at the right dose at the right time and in the right way for their needs.
■ BCBSMT and pharmacists work together with these members to help them take their medications at the right dose at the right time and in the right way for their needs.
• PAVE® pharmacies reach out to eligible members based on how they fill their prescriptions.
Plan ahead if you take specialty medications.
• Specialty medications are used to treat serious or chronic conditions.
• They may have special handling or storage needs.
For more information on self-administered specialty drugs, call the number on your member ID card.
• Members may learn more about their prescriptions and possible other resources for care.
■ They may have special handling or storage needs.
• They may have special handling or storage needs.
■ They may not be stocked by retail pharmacies.
* Not all prescriptions can be filled for 90 days.
To learn more or opt out, write to GPpharmacy@bcbsil.com.
• BCBSMT and pharmacists work together with these members to help them take their medications at the right dose at the right time and in the right way for their needs.
■ Members may learn more about their prescriptions and possible other resources for care.
• Specialty medications are used to treat serious or chronic conditions.
• BCBSMT and pharmacists work together with these members to help them take their medications at the right dose at the right time and in the right way for their needs.
For more information on self-administered specialty drugs, call the number on your member ID card.
• They may not be stocked by retail pharmacies.
• They may have special handling or storage needs.
* Not all prescriptions can be filled for 90 days.
For more information on self-administered specialty drugs, call the number on your member ID card.
• They may not be stocked by retail pharmacies. For more information on self-administered specialty drugs, call the number on your member ID card.
• They may not be stocked by retail pharmacies.
* Not all prescriptions can be filled for 90 days.
* Not all prescriptions can be filled for 90 days.
For more information on self-administered specialty drugs, call the number on your member ID card.
Know your drug cost tiers. Your health plan’s prescription drug list has levels of coverage, called member payment tiers.
* Not all prescriptions can be filled for 90 days.
• Plans have either 4 or 6 tiers.
• Most often, the lower the tier, the lower your out-of-pocket costs will be for the drug.
payment
• Members may learn more about their prescriptions and possible other resources for care.
• BCBSMT and pharmacists work together with these members to help them take their medications at the right dose at the right time and in the right way for their needs.
• Members may learn more about their prescriptions and possible other resources for care.
To learn more or opt out, write to GPpharmacy@bcbsil.com
To learn more or opt out, write to GPpharmacy@bcbsil.com.
learn more or opt out,
• Members may learn more about their prescriptions and possible other resources for care.
To learn more or opt out, write to GPpharmacy@bcbsil.com.
Choose Your Health Care Options
Choose Your Health Care Options
Choose Your Health Care Options
Choose Your Health Care Options
Choose Your Health Care Options
If your health issue isn’t an emergency, knowing where to go for care may save you time and money.
If your health issue isn’t an emergency, knowing where to go for care may save you time and money.
Choose Your Health Care Options
If your health issue isn’t an emergency, knowing where to go for care may save you time and money.
If your health issue isn’t an emergency, knowing where to go for care may save you time and money.
If your health issue isn’t an emergency, knowing where to go for care may save you time and money.
You have choices for where you can get non-emergency care. Use these places instead of the emergency room (ER). Plus, when you visit in-network providers, you may pay less for care.
You have choices for where you can get non-emergency care. Use these places instead of the emergency room (ER). Plus, when you visit in-network providers, you may pay less for care.
You have choices for where you can get non-emergency care. Use these places instead of the emergency room (ER). Plus, when you visit in-network providers, you may pay less for care.
If your health issue isn’t an emergency, knowing where to go for care may save you time and money.
You have choices for where you can get non-emergency care. Use these places instead of the emergency room (ER). Plus, when you visit in-network providers, you may pay less for care.
You have choices for where you can get non-emergency care. Use these places instead of the emergency room (ER). Plus, when you visit in-network providers, you may pay less for care.
You have choices for where you can get non-emergency care. Use these places instead of the emergency room (ER). Plus, when you visit in-network providers, you may pay less for care.
24/7 Nurseline (1-877-213-2565)
24/7 Nurseline (1-877-213-2565)
24/7 Nurseline (1-877-213-2565)
24/7 Nurseline (1-877-213-2565)
24/7 Nurseline (1-877-213-2565)
24/7 Nurseline (1-877-213-2565)
24/7 Nurseline is a service where nurses listen to your health concerns, give you common health facts and tips, and help you know where to go for care if you need it. Available in English and Spanish.
24/7 Nurseline is a service where nurses listen to your health concerns, give you common health facts and tips, and help you know where to go for care if you need it. Available in English and Spanish.
24/7 Nurseline is a service where nurses listen to your health concerns, give you common health facts and tips, and help you know where to go for care if you need it. Available in English and Spanish.
24/7 Nurseline is a service where nurses listen to your health concerns, give you common health facts and tips, and help you know where to go for care if you need it. Available in English and Spanish.
24/7 Nurseline is a service where nurses listen to your health concerns, give you common health facts and tips, and help you know where to go for care if you need it. Available in English and Spanish.
Virtual Visits
24/7 Nurseline is a service where nurses listen to your health concerns, give you common health facts and tips, and help you know where to go for care if you need it. Available in English and Spanish.
Virtual Visits
Virtual Visits
Virtual Visits
Virtual Visits
Virtual Visits
Have a live consultation with an independently contracted, board-certified doctor or therapist by mobile app, video or phone, 24 hours a day, 7 days a week.
Have a live consultation with an independently contracted, board-certified doctor or therapist by mobile app, video or phone, 24 hours a day, 7 days a week.
Have a live consultation with an independently contracted, board-certified doctor or therapist by mobile app, video or phone, 24 hours a day, 7 days a week.
Have a live consultation with an independently contracted, board-certified doctor or therapist by mobile app, video or phone, 24 hours a day, 7 days a week.
Have a live consultation with an independently contracted, board-certified doctor or therapist by mobile app, video or phone, 24 hours a day, 7 days a week.
Your Doctor
Have a live consultation with an independently contracted, board-certified doctor or therapist by mobile app, video or phone, 24 hours a day, 7 days a week.
Your Doctor
Your Doctor
Your Doctor
Your Doctor
Your Doctor
Your primary care physician (PCP) knows you best and should be your first choice for non-emergency care.
Your primary care physician (PCP) knows you best and should be your first choice for non-emergency care.
Your primary care physician (PCP) knows you best and should be your first choice for non-emergency care.
Your primary care physician (PCP) knows you best and should be your first choice for non-emergency care.
Your primary care physician (PCP) knows you best and should be your first choice for non-emergency care.
Your primary care physician (PCP) knows you best and should be your first choice for non-emergency care.
Retail Clinic
Retail Clinic
Retail Clinic
Retail Clinic
Retail Clinic
Retail Clinic
Often located in a store or pharmacy, retail clinics provide care when you can’t see your doctor.
Often located in a store or pharmacy, retail clinics provide care when you can’t see your doctor.
Often located in a store or pharmacy, retail clinics provide care when you can’t see your doctor.
Often located in a store or pharmacy, retail clinics provide care when you can’t see your doctor.
Often located in a store or pharmacy, retail clinics provide care when you can’t see your doctor.
Often located in a store or pharmacy, retail clinics provide care when you can’t see your doctor.
Urgent Care Center
Urgent Care Center
Urgent Care Center
Urgent Care Center
Urgent Care Center
Urgent Care Center
Visit an urgent care center when you need immediate attention but are not having a true emergency.
Visit an urgent care center when you need immediate attention but are not having a true emergency.
Visit an urgent care center when you need immediate attention but are not having a true emergency.
Visit an urgent care center when you need immediate attention but are not having a true emergency.
Visit an urgent care center when you need immediate attention but are not having a true emergency.
Emergency Room
Emergency Room
Visit an urgent care center when you need immediate attention but are not having a true emergency.
Emergency Room
Emergency Room
When you’re having an emergency, physical or mental, go directly to an ER or call 911.
Emergency Room
When you’re having an emergency, physical or mental, go directly to an ER or call 911.
When you’re having an emergency, physical or mental, go directly to an ER or call 911.
Emergency Room
When you’re having an emergency, physical or mental, go directly to an ER or call 911.
When you’re having an emergency, physical or mental, go directly to an ER or call 911.
When you’re having an emergency, physical or mental, go directly to an ER or call 911.
For more information about these health care options, visit smartercaremontana.com.
For more information about these health care options, visit smartercaremontana.com.
For more information about these health care options, visit smartercaremontana.com.
For more information about these health care options, visit smartercaremontana.com.
Dental Plan
LHC offers a Dental plan through Guardian. You have the option to choose between the Value Plan and the NAP Plan. The Value Plan is best if your Dentist is In-Network, and the NAP Plan is for Out-of-Network providers. To check if your Dentist is in Guardian’s Network, go to GuardianAnytime.com or their mobile app. Group # 00057733
Orthodontic Services
Perio/Endo Services
Vision Plan
LHC offers an Vision plan through Guardian, utilizing the VSP Network. If you choose an out-of-network provider, benefits are reimbursed based on the service and materials. Group # 00057733
Life and AD&D
VOLUNTARY SUPPLEMENTAL LIFE AND AD&D
Eligible employees have the option to purchase Term Life and AD&D coverage with Guardian. Coverage is available for employees as well as their dependents.
Group # 00057733
Employee
$10,000 up to $500,000 benefit maximum
(Guarantee Issue: $200,000 for <65 / $50,000 for 65-70 / $10,000 for 70+)
Spouse
$5,000 up to $100,000, not to exceed 100% of Employee Amount
(Guarantee Issue: $50,000 for <65 / $10,000 for 65+)
Child
$10,000
Please note:
■ In order to enroll dependents, you must also enroll yourself in Voluntary Life/AD&D coverage.
■ Guarantee Issue is a predetermined dollar amount that the policy allows you to elect for Voluntary Life Insurance without the completion of a Evidence of Insurability (EOI) form online.
■ If you elect more than the Guarantee Issue amount, you will need to complete an Evidence of Insurability form for additional coverage to be approved.
■ If you do not elect voluntary life/AD&D when you are initially eligible as a new hire, you are considered a “late entrant” and Guardian will require an Evidence of Insurability (EOI) for employees above any amount >$50,000 and for any amount for your dependent spouse or child(ren) for whom you elect coverage.
■ Guardian allows employees currently enrolled in Voluntary Life and AD&D to increase their coverage at Open Enrollment, up to the Guarantee Issue amount of $200,000 (<65).
Employee Rate Worksheet
Use this worksheet to provide a general estimate of your benefits costs for the upcoming plan year. This is a great place to start planning for you and your family’s health and wellness for next year.
MEDICAL PLANS (MONTHLY
Important Phone Numbers
Medical Coverage
BCBS of MT
800-447-7828
Group # 255704
Telehealth
MD Live
888-676-4204
Group # 255704
Dental & Vision Coverage
Guardian
1-800-541-7846
Group # 00057733
Life Coverage
Guardian
1-888-600-1600
Group # 00057733
Enrollment & Eligibility
Dave Taylor, HR Manager davidt@lhcmt.com 406-758-6412
Benefits Support
CapFi Consulting
Gina Lindsay gina@cfplc.com
ABOUT THIS BOOKLET
This booklet highlights important features of LHC Motorsports’ benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Capital Financial
14614 N. Kierland Blvd., Suite N220, Scottsdale, AZ 85254
