2024 Open Enrollment

Rocky Mountain UFCW Unions & Employers Health Benefit Plan

Open Enrollment Is Happening Now!

Sign Up for 2025 Health Benefit Plan Coverage from October 1 to October 31, 2024

Open Enrollment for Rocky Mountain UFCW Unions & Employers Health Benefit Plan coverage in 2025 will take place from October 1 to October 15 this year.

Open Enrollment is your opportunity to review your current benefit coverage and elect the coverage you want for next year. You can start, continue, change or end your coverage, add or remove dependents, or update your life insurance beneficiary designation. Your options will be explained—what plans are available and what you need to do—in the enrollment packet you will receive in the mail.

The elections you make during Open Enrollment will be effective January 1, 2025. Your next opportunity to make changes will be during next year’s Open Enrollment, for coverage effective January 1, 2026 (subject to your HIPAA special enrollment rights as described in your enrollment materials and the Summary Plan Description (SPD)).

  • Review your current coverage and make your decisions for 2025. The Plan will send you a letter before your enrollment packet that shows your current coverage and your covered dependents (if you have any). Review the letter before you decide on your 2025 coverage. If you notice that one of your dependents is not listed in the letter, please contact the Plan Office immediately. Unless you notify the Plan Office to the contrary, you are certifying that the dependents listed in the letter qualify as eligible dependents under the Plan.

  • If you are enrolling for the first time or want to change your coverage or the dependents you cover, you must enroll during Open Enrollment.

  • If you do not want to make any changes to your coverage election and you do not want to make any changes to the dependents you cover, you only need to complete the steps to verify your spouse’s coverage (see below) if you are covering your spouse. If you are not covering your spouse, you don’t need to do anything. The Plan will automatically continue your current coverage option and your weekly employee co-premium deductions will be withheld in 2025. Your coverage will be subject to the terms and conditions, including any modifications to the Plan Options, approved by the Trustees and effective January 1, 2025.

  • Confirm your life insurance beneficiary designation. Your designated beneficiary is the last named beneficiary on file with the Plan Office. Generally, your beneficiary for Life Insurance Benefits is also your beneficiary for any death benefits under the Plan’s Accidental Death and Dismemberment Insurance Benefits. You may change your beneficiary at any time by contacting the Plan Office or visiting the Plan’s web site. Once you designate or update a beneficiary, the designation is effective as of the date the notice is received by the Plan Office. If you do not designate a beneficiary or your beneficiary is not living at the time of your death, payment will be made in accordance with the provisions of the contract with the insurer. Remember to keep your beneficiary designation current by confirming or updating it each year during open enrollment.

Make sure that the Plan Office has your current address on file so you receive your enrollment materials. If you have any questions, please call the Plan Office at 303-430-9334 or 800-527-1647.

Are You Enrolling Your Spouse for Plan Coverage as a Dependent?

If you want to continue coverage for your spouse, you must complete a Spousal Verification Form (included with your enrollment packet). If your spouse was not enrolled in the Plan in 2024 but you will be enrolling your spouse for Plan coverage in 2025, you must complete an Enrollment Form, including the Spousal Coverage Verification section (also included with your enrollment packet).

Please remember that you must verify your spouse’s eligibility for other coverage, every year, regardless of whether your spouse is currently or was ever covered by the Plan, if you want your spouse to have coverage through the Plan in the following year.

If your spouse is eligible for coverage under his/her employer-sponsored plan, but elects not to enroll in that plan, an additional $23.08 weekly co-premium deduction is currently required. To avoid this additional weekly co-premium deduction, your spouse must be enrolled in his/her employer-sponsored plan. Otherwise, your weekly co-premium deduction will include this additional $23.08. This amount will continue to be deducted until your spouse enrolls in the employer-sponsored plan available to him/her or your spouse is no longer working, or their employer is no longer providing coverage.

A New Way to Enroll!

Zenith has launched a new website to make your online enrollment easier! Go to edge.zenith-american.com to register, log in, and enroll.

Enrollment Site

To Enroll Online

  • To access the Edge Hub, go to: edge.zenith-american.com.

  • Click on the Register button and fill in the necessary details on the next screen.

TIP: Ensure that the name you provide matches the one we have on record. For instance, if your full name is William but you are commonly known as Bill, try both variations if the first attempt is unsuccessful.

  • Select Participant from the Login drop down menu.

You will be prompted to use two-factor authentication when logging into your portal.

What is this? Two-factor authentication adds extra security to your account by requiring a second factor, such as a code sent to a mobile device or email.

  • After you have registered, if you forget your Username or Password, click on the Forgot password? link and fill in the requested information.

  • Get the Participant Edge Mobile app from the App Store or Google Play. Use your regular login credentials to access it anytime.

When you enroll online, enrollment confirmation is automatic. The online enrollment portal closes at midnight on October 15, 2024.

As always, you can also enroll by mail or by phone. See your Enrollment Guide for more information.

We Offer a PPO and an HMO Medical Plan—Make Sure You Pick the Right Plan

All members who are eligible to participate in the Plan can enroll in the PPO Medical Plan. Eligible members who live in the UnitedHealthcare - Colorado Doctors Plan (HMO) service area can choose between the HMO and PPO Medical Plans.

Here’s an overview of the two plans. See your Enrollment Guide for more information about the two plan options.

  • PPO Medical Plan. This plan provides you with comprehensive medical coverage. Each time you receive care, you may use any provider, but it’s cheaper if you use a provider who participates in the UnitedHealthcare Choice Plus network. Additionally, you pay lower out-of-pocket costs when you receive specialty care from a Premium Care Physician. (Refer to page 21 of your SPD as well as your benefits summary for more information.) If you enroll in the PPO Medical Plan, your prescription drug benefits will be administered by OptumRx.

  • HMO Medical Plan. The Colorado Doctors Plan HMO (the UHC CDP HMO, or the HMO Medical Plan) provides medical and prescription drug benefits through a health maintenance organization (HMO). You must use HMO providers for your care to be covered under the HMO Medical Plan, except in a medical emergency. Your prescription drug benefits are provided through OptumRx. When enrolling you must provide a street address. P.O. Boxes are not acceptable. Your enrollment is subject to UnitedHealthcare’s review and approval. Visit myuhc.com or call 844-303-6829 to learn more if you are currently enrolled in the HMO Medical Plan or visit whyuhc.com/RockyMtnHealthBenPlan if you are not currently enrolled in the HMO Medical Plan.

The HMO Medical Plan is available if you live in the following 11 counties:

  • Adams

  • Arapahoe

  • Boulder

  • Broomfield

  • Denver

  • Douglas

  • El Paso

  • Jefferson

  • Larimer

  • Morgan

  • Weld

Complete a Health Assessment—and Reduce Your Monthly Co-Premiums for 2025!

If you complete a Health Assessment before December 3, 2024, you will receive a $5 monthly reduction in your employee co-premium effective January 1, 2025, for the entire year. If you and your covered spouse both complete Health Assessments, you will receive a $10 monthly reduction.

The co-premium reduction is offered to Active participants and their covered spouses who elect 2025 coverage under either the PPO or HMO Medical Plan Option offered through the Health Benefit Plan and who complete a Health Assessment on or before December 3, 2024.

  • If you are currently enrolled under the PPO Medical Plan: Go to umr.com and then log in, and look for the Health Assessment.

  • If you are currently enrolled under the HMO Medical Plan: Go to myuhc.com, click on Health & Wellness, then Rewards and then Rally, and then look for the Health Assessment.

You can also request a paper assessment, though it will take you longer to get your results. Call the Plan Office for more information.

Remember: If you do not complete a Health Assessment, you will pay the full co-premium effective January 1, 2025—even if you completed a Health Assessment and your co-premium was reduced in 2024.

Partial completion of the Health Assessment will not result in the co-premium reduction.

Pre-65 and non-Medicare retirees may complete Health Assessments, but are not eligible for premium reductions.

More information is in your Enrollment Guide.

Flu Season is Here—and We’ve Got You Covered!

FREE FLU SHOTS are available to eligible participants in the PPO Medical Plan with prescription drug coverage through OptumRx. Just go to Albertsons, Safeway, City Market, King Soopers, or any network pharmacy to get your shot, and the pharmacy will submit a claim for you.

For more information, visit optumrx.com or call 866-328-2005. You can also call the Plan Office at 303-430-9334 or 800-527-1647.

Special rules apply if you are under 18; see your SPD for more information.

Flu shots are also free if you have coverage through the HMO Medical Plan. Go to myuhc.com or call 844-303-6829 for more information.

Mental Health and Substance Abuse Treatment Benefits Reminder for Members Enrolled in the PPO Medical Plan

The PPO Medical Plan covers mental health and substance abuse treatment through its network with MINES and Associates.

MINES can help you with:

  • Anxiety

  • Behavioral health services

  • Death and grief

  • Depression

  • Drug/alcohol use

  • Eating disorders

  • Medication management

  • Psychiatric services

  • Relationships

  • Stress

  • Work-related issues

Mines can also help you with inpatient hospitalization, intensive outpatient, and residential treatment services, including finding in-network facilities.

MINES will provide referrals to in-network mental health and substance abuse treatment providers. For referrals, you can contact MINES by phone from 8:35 AM to 4:50 PM, MST, Monday through Friday. When you call in for a referral, the clinical staff at MINES will assess your situation, discuss plans for resolving your issues, let you know about available resources, and promptly refer you to the appropriate level of care.

If your issue is urgent, you can call MINES 24 hours a day, 7 days a week.

Questions? Contact MINES and Associates at 800-873-7138 or go to MINESandAssociates.com.

If you have specific questions about your PPO Medical Plan coverage, go to umr.com or call 800-826-9781 or 866-494-4502.

If you have coverage through the HMO Medical Plan, go to myuhc.com or call 844-303-6829 for more information about the HMO’s mental health and substance abuse treatment coverage.

If you have a question about eligibility, contact the Plan Office (303-430-9334 or 800-527-1647).