We are excited to share your Benefits Package!
Online Enrollment
Enrolling in Your Benefits will be as easy as shopping on Amazon. Watch this video for some information, then follow the instructions.
Medical Insurance
Medical insurance is a financial tool protecting you from financial ruin in the case of a major health issue. Medical costs have skyrocketed, and your employer has chosen these plans to help you deal with them.
Where do I find the providers? When searching for providers on these sites, make sure you are viewing the correct network name listed at the top of the Medical Coverage Comparison.
How does Pharmacy and Prescriptions work? Prescriptions are based on a formulary approved by the carrier. There is a prescription for everything. It may not be the brand name, but there always is an appeals process if you and your provider feel it is important for you to have that exact drug. Keep in mind also that there is a wide variation in drug costs across pharmacies. You may need to log into your carrier's website to see the correct formulary.
Click the link below to review your carrier's drug formulary and other info. Watch this video to learn more about how prescription drugs work and what to do if your drug is denied, or not covered.
How does Pharmacy and Prescriptions work? Prescriptions are based on a formulary approved by the carrier. There is a prescription for everything. It may not be the brand name, but there always is an appeals process if you and your provider feel it is important for you to have that exact drug. Keep in mind also that there is a wide variation in drug costs across pharmacies. You may need to log into your carrier's website to see the correct formulary.
Click the link below to review your carrier's drug formulary and other info. Watch this video to learn more about how prescription drugs work and what to do if your drug is denied, or not covered.
HSA's, FSA's, HRA's all are Pre-Tax Benefit Programs to help with Costs!
What does Pre-Tax really mean?
How do I access my money?
Healthcare Savings Accounts (HSA)
You must be enrolled in a qualified high-deductible health plan to contribute to an HSA.
An HSA account is a financial tool to help you pay for out-of-pocket expenses like deductibles and co-insurance, as well as other things that might not be covered by your medical plan.
An HSA account is a financial tool to help you pay for out-of-pocket expenses like deductibles and co-insurance, as well as other things that might not be covered by your medical plan.
Why should I get an HSA?
Is a consumer directed health plan right for me?
Is there an App for that?
Flexible Spending Accounts (FSA)
Flexible spending accounts allow you to put dollars away into a qualified account pre-tax and then pay for your benefits with Tax Advantage Dollars.
Dental Insurance
When you have dental insurance, you are part of the club, and you get deep discounts when you use in-network providers.
Why is Dental Insurance so important?
Where do I find the providers?
Why is Dental Insurance so important?
Where do I find the providers?
Vision Insurance
Most of us wear glasses eventually, and this is a great way for you to get frames, glasses, and contacts at a discount, as well as protecting your health.
Why is Vision Insurance so Important?
Where do I find the providers?
Why is Vision Insurance so Important?
Where do I find the providers?
Dependent Care Flexible Spending Account (DFSA)
Dependent flexible care spending accounts help you pay for day care and other things that are needed for the little ones.
Identity Theft Protection
Identity theft insurance pays for recovery costs but not prevention. Expenses and costs are generally covered in these categories: Attorneys' fees, Lost wages, Notary fees, Credit report fees, and credit monitoring.
- 1.13 million identity theft reports were filed with the U.S. Federal Trade Commission in 2024, a 9.5% increase from 2023.
- The FTC received over 6. 47 million total consumer reports in 2024. 18% were identified as theft-related.
- Identity theft reports have increased more than 70% since 2019, reflecting a sustained upward trend rather than a temporary spike.
To take a look at premiums and/or enroll in coverage, please click on this link. Enrollment is not available through our open enrollment tool and must be done through website.
If you have questions feel free to contact Sailer Benefit at (651) 702-5626 or email us at [email protected]
