Client Sub Content
The Expedition School Enrollment Assistance – Employee Navigator 2026-2027
You will be able to use the Benefits Enterprise site to make your Annual Enrollment elections, view your current elections, make life event changes, update family and/or beneficiary information, access benefit materials (i.e. plan summary documents or forms), etc.
FOLLOW THE STEPS BELOW TO COMPLETE THE ENROLLMENT PROCESS:
1. Log In
To enroll online, please visit: www.EmployeeNavigator.com and click Login.
– Returning users: Log in with the username and password you selected. Click Reset a forgotten password or locate your username if needed.
– First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account, and create your own username and password.
2. Welcome
– After you login click Let’s Begin to complete your required tasks.
3. Onboarding (for first time users, if applicable)
– Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.
Tip: if you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”
4. Start Enrollments
– After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.
Tip: Have dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.
5. Benefit Elections
– To enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?
– Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.
– Click Save & Continue at the bottom of each screen to save your elections.
– If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.
6. Forms
– If you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.
7. Review & Confirm Elections
– Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.
Tip: If you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.
8. HR Tasks (if applicable)
– To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!
The Expedition School Important Information About Your Enrollment 2026-2027
IN-PERSON & SELF-ENROLL
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process. If you prefer, you may also self-enroll online following the instructions on the Enrollment Instructions page of this site.
ANNUAL ENROLLMENT PERIOD: JUNE 10, 2026 – JUNE 11, 2026
ELIGIBILITY:
-Employees working 30 hours or more per week are eligible for benefits.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Life Insurance Products, BlueCross BlueShield Dental, and Superior Vision runs from August 1, 2026, through July 31, 2027.
– When do my deductions start? Deductions for Colonial Life Insurance Products, BlueCross BlueShield Dental, and Superior Vision start August 2026 for all enrolled employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.
– Why have my Accident or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until August 31, 2026.
– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre- and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD:
– Enroll in, change, or cancel Dental Insurance.
– Enroll in, change, or cancel Vision Insurance.
– Enroll in, change, or cancel Telemedicine coverage (DIRECT BILLING ONLY*).**
– Enroll in, change, or cancel Colonial coverage.
*The Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.
**Please see the coordinating pages of your Benefits Guide for enrollment instructions for the Telemedicine plan.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in your benefits guide including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in the benefits guide.
The Expedition School Overview of Benefits 2026-2027
PRE-TAX BENEFITS
Dental Insurance: BlueCross BlueShield
Vision Insurance: Superior Vision
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
POST-TAX BENEFITS
Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Life Insurance: Colonial Life– Term Life Insurance
– Whole Life Insurance
ADDITIONAL BENEFITS
Telemedicine Benefits: Call A Doctor Plus – Direct Billing Only
Please note your insurance products will remain in effect unless you speak with a representative to change them.
Enrollment Period: JUNE 10, 2026 – JUNE 11, 2026
Effective Dates: AUGUST 1, 2026 – JULY 31, 2027
The Expedition School Benefits Guide 2026-2027
City of Kannapolis HealthEquity DCA 2026-2027
Less tax. More paycheck.
Get $20 tax savings for every $100 you contribute.
How It Works
A DCFSA lets you use tax-free money to pay for eligible dependent care expenses. A qualifying ‘dependent’ may be a child under age 13, a disabled spouse, or an older parent in eldercare. DCFSA paycheck deductions are tax-free too, which helps reduce your taxable income. The more you contribute, the more you save.
–Access funds as you make contributions.
–Enjoy fast, hassle-free reimbursement.
–Plan ahead because DCFSA funds eventually expire.
– Contribute up to $7,500 annually.
See how much you can save at HealthEquity.com/Learn/DCFSA
Spend Tax-Free on Eligible Expenses
–Daycare
–Babysitters
–Elder care
–Preschool
Discover more qualifying expenses at HealthEquity.com/QME
City of Kannapolis HealthEquity FSA 2026-2027
Less tax. More paycheck.
Get $20 tax savings for every $100 you contribute.
How It Works
A healthcare FSA lets you use tax-free money to pay for eligible medical, dental, and vision expenses so you spend less on the healthcare you need. FSA paycheck deductions are tax-free too, which helps reduce your taxable income. The more you contribute, the more you save.
–Access annual contribution amount on day one.
–Pay for your spouse and dependents too.
–Plan ahead because FSA funds eventually expire.
– Contribute up to $2,500 annually.
See how much you can save at HealthEquity.com/Learn/FSA
Spend Tax-Free on Eligible Expenses
–Medical
–Dental
–Vision
–Rx and OTC
Discover more qualifying expenses at HealthEquity.com/QME
City of Kannapolis Forms & Links 2026-2027
Colonial Life
Health
- Privacy Notice
- Marketplace Notice
- Women’s Health and Cancer Notice
- Adverse Benefit Determination Notice
Dental
Vision
Short-Term Disability
Long-Term Disability
Group Term Life
Employee Assistance Program (EAP)
Health Savings Accounts and Flex Accounts
City of Kannapolis MYGroup EAP 2026-2027
EAP & WORK-LIFE SERVICES
Help is available 24/7/365 at 800-633-3353
An EAP is a company-sponsored benefit that offers the support and resources you need to address personal or work-related challenges and concerns. It’s confidential and free to you and your household family members.
Access Your EAP & Work-Life Services
There are two ways to access your EAP and work-life services: Call 800-633-3353 or
Visit mygroup.com | Click on My Portal Login | Work-Life | Username: myeap Password: guest
Assessment and Counseling
Reasons to use the EAP include:
– Marital difficulties
– Parenting
– Stress
– Depression
– Work-related concerns
– Alcohol and drug use/abuse
– Grief and loss
– Preventative
When employees and family members call the EAP, they are offered face-to-face, telephonic, or virtual counseling sessions in which a thorough assessment can be conducted by a licenses, experienced clinician in their area. EAP is short-term, solution-focused therapy so not all issues will be resolved within the EAP model and may need to be referred to other resources.
Online Services
– 7 content divisions: Parenting, Aging, Balancing, Thriving, Living, Working, and International
– Monthly Online Seminars and eLearning courses with certificates of completion
– Searchable databases and resource links for child care providers, elder care and related services, adoption resources, attorneys, certified financial planners, pet sitting, private and public high schools and colleges, and volunteer opportunities
– Over 100 streaming audio files and 100 video files covering a range of health topics
– Savings Center: discount shopping program offering up to 25% discounts on name-brand items
– Relocation Center: an interactive program that allows users to preview communities across the U.S.
Legal Services
– Free telephonic legal advice
– Free 30-minute appointment for legal consultation with a local attorney
– In most cases, 25% discount on ongoing legal services
– Legal forms available to download (such as wills, request for death certificate, etc.)
– Online legal encyclopedia
– Does not cover disputes or actions involving employer, EAP or business issues
Financial Services
– Free financial appointments
– Issues addressed include bankruptcy, budgeting, buying a home, college savings, retirement planning
– Education materials and financial worksheets provided prior to appointments
– 40 financial calculators available online
– ID theft recovery through credit monitoring
– Discounted credit reports
City of Kannapolis The FSA Store 2026-2027
Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA Store to provide one convenient location for Flexible Spending Account holders to manage and use their FSA funds, and save on more than 4,000 health and wellness products using tax-free health money. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account!
– The largest selection of guaranteed FSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your FSA card or any other major credit card for purchases
Other Great FSA Store Resources Available To You
– Eligibility List: A comprehensive list of eligible products and services
– FSA Calculator: Estimate how much you can save with an FSA
– Learning Center: Easy tips and resources for living with an FSA
– Savings Center: Where you can save even more on FSA-eligible essentials
– FSAPerks: Take your health and funds further with the FSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
City of Kannapolis The HSA Store 2026-2027
Everyday health and wellness essentials all in one place and guaranteed eligible. Pierce Group Benefits partners with the HSA Store to provide one convenient location for Health Savings Account holders to maximize their long-term health savings and help ease the financial burden of medical needs, should they arise. Through our partnership, we’re also here to help answer the many questions that come along with having a Health Savings Account!
– The largest selection of guaranteed HSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your HSA card or any other major credit card for purchases
Other Great HSA Store Resources Available To You
– Eligibility List: A comprehensive list of eligible products and services
– HSA Calculator: Estimate how much you can save with an HSA
– Learning Center: Easy tips and resources for living with an HSA
– Savings Center: Where you can save even more on HSA-eligible essentials
– HSAPerks: Take your health and funds further with the HSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
City of Kannapolis HealthEquity Important HSA Information 2026-2027
Getting Started
If you are new to HSAs, follow these steps to optimize your account and put you on the pathway to building health savings.
Activate Your Debit Card
Once your HSA is opened, you will receive a member welcome kit including a HealthEquity Visa Health Account Card.1 Activation instructions are included in the envelope. You can also speak to one of our account mentors to activate your card and receive additional insight into your account.
Log On
Sign in to the member portal by visiting www.MyHealthEquity.com. If it is your first time logging in, select ‘Create user name and password’ and follow the step-by-step process to verify your account. Once you are logged in, complete the following:
– Add a beneficiary to ensure your HSA benefits your loved ones in the event of your death.
– Elect to receive eStatements to avoid a monthly statement fee.
– Navigate the portal and familiarize yourself with its features and capabilities. A comprehensive portal guide can be found starting on page 18.
Start Saving
Decide how you will begin building your health savings:
– Paycheck contributions: If your account is offered through your employer, you may make regular pre-tax contributions from your paycheck. Talk to your benefits department for assistance.
– Transfer an existing HSA: If you already have an HSA with another administrator, transfer your existing HSA balance to HealthEquity to consolidate your savings while taking advantage of other incentives. For more information, visit www.HealthEquity.com/DoubleIt.
– Electronic funds transfer (EFT): Using EFT, you can make a one-time, post-tax contribution or schedule automatic HSA contributions from your personal bank account. To set up an EFT, log in to your HealthEquity account. From the ‘My Account’ tab, hover over ‘HSA’ and select ‘Make Contribution.’
How It Works
At the doctor’s office…
- Receive services. With an HSA-qualified plan, copays are not typically required at the time of service. Be sure to present your insurance ID card. If your healthcare provider requires a deposit, it will be applied to your invoice.
- Provider bills health plan. Provider submits a claim to your health plan for services provided.
- Health plan sends EOB. An explanation of benefits (EOB) is sent to you outlining the negotiated or allowed charges and summarizes your year-to-date deductible and co-insurance totals. In some cases, your health plan may send a copy of your claim to HealthEquity, which will appear in the member portal.
- Provider sends invoice. The provider sends you an invoice, or statement, reflecting the allowed charges. Make sure the amount matches the EOB sent by your health plan. If not, contact your health plan.
- Pay invoice with HSA. You can pay for qualified medical expenses with your HSA debit card or create an online payment that is sent directly to the provider or as a reimbursement to you.
At the pharmacy…
- Obtain prescription. Obtain a legal prescription from your doctor for required medication and present it, along with your insurance ID card, at the pharmacy.
- Pharmacy verifies insurance coverage. The pharmacy checks with your insurance on-the-spot to determine the amount you owe for the prescription.
- Pay for your prescription. The pharmacy fills your prescription and you pay the determined amount owed. The expense is automatically applied to your deductible or coinsurance. Your HSA debit card is a convenient method of payment.
Over-the-counter medication…
The IRS does not allow HSA funds to be used for over-the-counter (OTC) medicines without a prescription. You can ask your doctor to write a prescription for OTC medicines or supplies that you frequently use so that you can use your HSA to pay for these items.
Want to Manage Your Account on the go?
Benefits have never been this easy. Download the HealthEquity mobile app, available through the App Store or Google Play, and manage everything in only a few taps and swipes.
– On the go access and history: Access all account types wherever you go.
– Photo documentation: Take a photo with your device to initiate claims and payments.
– Send payments and reimbursements: Send payments to providers or reimburse yourself for out-of-pocket expenses.
– Manage debit card transactions: Link your debit card transactions to claims and documentation.
– Initiate claims and view their status: View the status of claims as well as link payments and documentation to claims.
Member Help Center and Support
The HealthEquity Help Center is your source for helpful guides, answers to your questions, and access to our helpful Member Services Team.
Call: 866.346.5800
Send a Message: www.answers.healthequity.com/app/ask
City of Kannapolis HealthEquity HSA 2026-2027
Stretch your dollars further and put more money in your pocket. Health Savings Accounts empower you to save more, spend smarter and invest in your healthcare.
HSAs are tax-advantaged employee-owned accounts that let you save pre-tax dollars for future qualified medical expenses. You can invest HSAs—and funds never expire.
Am I Eligible For A Health Savings Account?
To enroll in a HSA, employees must already be enrolled in an HSA-qualifying high deductible health plan (HDHP).
The Value for Employees
– Enjoy Lower Health Plan Premiums: HSA-qualified health plans offer lower premiums, enabling you to save potentially thousands every year.
– Keep Your Premium Savings: Just put the extra money you would’ve paid toward traditional premiums into your HSA. Voila! Long-term savings.
– Triple Tax Savings: Every dollar an employee contributes to an HSA lowers their taxable income, funds grow tax-free, and withdrawals for qualified expenses are tax-free.
– Roll Over Funds: Unlike Flexible Spending Accounts (FSA), you own your HSA. That means your entire HSA balance rolls over every year—even if you change health plans, retire, or leave your employer.
Eligible HSA Expenses
– Pain relievers
– Doctor visits
– Glasses and contact lenses
– Cold and cough medicine
– Menstrual care products
– Chiropractic care
– Insulin Testing Supplies
– Sleep aids
– Shoe inserts
– Sunscreen
– Ambulance
– Dental work and orthodontia
For a full list of eligible expenses, go to www.earn.healthequity.com/qme.
City of Kannapolis Enrollment Instructions – BenSelect 2026-2027
Below is a series of instructions outlining the online self-enrollment process. Please have the following information available before you begin:
– Username, pin, and enrollment website URL from Step 1 of this page
– Dates of birth and social security numbers of your spouse and any dependents you wish to enroll
– Beneficiary names and social security numbers
Helpful Tips:
– If you are a new employee, please refer here for more information or contact PGB’s Employee Services at 888-662-7500 between 8:30am and 5:00pm for assistance.
– If you are an existing employee and unable to log into the online system, please contact PGB’s Employee Services at 888-662-7500, or speak with the Benefits Representative assigned to your location.
How To Enroll:
1. Logging In
– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
– Enter your Pin: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)
To login, visit: harmony.benselect.com/kannapolis
2. New PIN
The screen prompts you to create a NEW PIN [__________].
3. Security Questions
Choose a security question and enter answer [__________].
4. Confirm
Confirm (or enter) an email address.
5. Save New PIN
Click on ‘Save New PIN’ to continue to the enrollment welcome screen.
6. Click Next
From the welcome screen click “Next”.
7. Personal Information
The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.
8. Adding Family Members
The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.
9. Benefit Summary
The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.
10. Sign & Submit
Click ‘Sign & Submit’ once you have decided which benefits to enroll in.
11. Review
Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.
12. Next
Click ‘Next’ to review and electronically sign the authorization for your benefit elections.
13. Sign Form
Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.
14. Download & Print
Click ‘Download & Print’ to print a copy of your elections, or download and save the document. Please do not forget this important step! Click ‘Log Out’.
City of Kannapolis Important Information About Your Enrollment 2026-2027
IN-PERSON & SELF-ENROLL
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process. If you prefer, you may also self-enroll online following the instructions on the Enrollment Instructions page of this site.
ANNUAL ENROLLMENT PERIOD: MAY 18, 2026 – MAY 29, 2026
ELIGIBILITY:
– Employees working 30 hours or more per week are eligible for benefits.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Colonial Life Insurance Products, BlueCross BlueShield Health Insurance, HealthEquity Health Savings Accounts, HealthEquity Flexible Spending Accounts, HealthEquity Health Reimbursement Arrangement, MetLife Dental, Community Eye Care Vision, Sun Life Group Term Life, Sun Life Short-Term Disability and Sun Life Long-Term Disability runs from July 1, 2026, through June 30, 2027.
– When do my deductions start? Deductions for Colonial Life Insurance Products, BlueCross BlueShield Health Insurance, HealthEquity Health Savings Accounts, HealthEquity Flexible Spending Accounts, MetLife Dental, Community Eye Care Vision, Sun Life Group Term Life and Sun Life Long-Term Disability start July 2026 for all enrolled employees.
– Why have my Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2026.
– What is an EAP? Your employer offers an Employee Assistance Program (EAP) for you and your eligible family members. An EAP is an employer-sponsored benefit that offers confidential support and resources for personal or work-related challenges and concerns. Please see the EAP pages of this benefit guide for more details and contact information.
– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 60 days to submit claims for incurred qualified spending account expenses (or 60 days after employment termination date). If employment is terminated before the plan year ends, the spending account also ends. Failure to use all allotted funds in the FSA account will result in a “Use It or Lose It” scenario. Your plan also includes a rollover provision! This means that if you have any money left in your FSA at the end of the plan year, you can carryover up to $550 into the new plan year. Any remaining funds beyond $550 are forfeited under the “Use It or Lose It” rule. Please note: Participants must re-enroll in their FSA account for any rollover funds to be rolled into the new plan year. Failure to re-enroll will result in a “Use It or Lose It” scenario.
– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.
– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. Any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario.
– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.
– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre- and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE ANNUAL ENROLLMENT PERIOD:
– Enroll in, change, or cancel Health Insurance.
– Enroll in Health Savings Accounts.⁺
– Enroll/Re-Enroll in Flexible Spending Accounts.⁺
– Enroll in Dental Insurance.
– Enroll in Vision Insurance.
– Enroll in, change, or cancel Group Term Life Insurance.
– Enroll in, change, or cancel Long-Term Disability Insurance.
– Enroll in, change, or cancel Colonial coverage.
⁺You will need to re-enroll in the Health Savings Accounts and Flexible Spending Accounts if you want them to continue each year.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in your benefits guide including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in the benefits guide.