My Benefits

All active full-time (0.8 to 1.0 FTE) and part-time (0.5 - 0.79 FTE) team members are eligible for benefits with FMOLHS.

Health coverage is one of the most important benefits for you and your family. Health benefits provide significant value through support for and protection against potentially large financial expenses, as well as covering preventive care. We are committed to the health and wellness of our team members by offering comprehensive health care plans. The health plan you choose will be in place until the new year, unless you have a qualifying family status change. Our health insurance plans are administered by Blue Cross Blue Shield.

There are three health plan options available to team members:

• The EPO Plan
• The PPO Plan
• HDHSA Plan

Each of these plans are designed to provide you with coverage options that best suit you and your family’s healthcare needs. To learn more about each plan, including premium pricing and coverage details, please reference the Team Member Guide to Benefits.

Network Navigation Resources – Finding an In-Network Provider:

• Network Guides - We understand the importance of finding a healthcare provider that best meets the needs of you and your family. Our Network Guides are available to help you navigate our FMOLHS customized network. Whether it be our narrow EPO network or our PPO Tier 1 or Tier 2 network, our Network Guides can help you find a provider, assist with scheduling an appointment with network Primary Care Physicians, and check availability of a specialty service within our network.
• Call (855) 875-6265 to access our Network Guides. You will then be prompted to select a Network Guide for either our Louisiana or Mississippi network. Our Network Guides are available in most locations 7 days a week, 24 hours a day.
• Customized Provider Directory - Current plan members can see the most current list of the customized FMOLHS EPO network or the PPO Tier 1 and Tier 2 network online by visiting myhealthtoolkitLa.com/links/fmolhs.
• NEW RESOURCE: BCBS Shopping for Care Search Tool - Blue Cross Blue Shield, our health insurance administrator, launched new upgrades to the Blue Cross Blue Shield (BCBS) Find a Provider Tool that will make finding a provider and estimating health costs easier for those enrolled in an FMOLHS Health Plan. The updated tool will allow you to not only find providers in your network but also shop for care and preview costs based on your plan, deductible and coinsurance information. For a guide on how to use the new tool, please click here. To start using the Shopping for Care Tool, click here. For a guide on how to use the Shopping for Care Search Tool, click here.
• Important Reminders:
• Before receiving care, team members should confirm the location of where services are received and that the location of the provider is in network, as providers may have multiple affiliations, not all of which may be in our network. The best way to ensure this is to make sure you are receiving care from the provider in the location that matches the address listed on the Shopping for Care Tool.
• The cost tool is based on claims data and because of this the actual provider group names or facility names may not appear. This is due to the way providers file claims after reading tests. For example:
• If you search for ABC Radiology Group, the name may not come up if there are not enough claims filed under the provider.
• If Dr. Brown works for ABC Radiology Group and you search for his name, it will likely show more results due to the way claims are filed.

Through a program called “Just Premium”, we offer team members who apply and qualify for financial assistance based on total household income the opportunity to reduce their health plan premiums. Based on the team members total household income (adjusted gross income) and the number of dependents you claim on your Federal Individual Income Tax Return, team members may be eligible to receive a higher subsidy to improve affordability and access to coverage. Details about the just premium application process are communicated each open enrollment period. To apply for Just Premium, download and complete the application and submit it to justpremium@fmolhs.org.

New Health Resource for those enrolled in a FMOLHS Health Plan: Meru Health provides mental health resources that provide you with access to several care options, including chat-based services, that are built to fit your schedule. Learn more at meruhealth.com.

We understand the importance of finding a healthcare provider that best meets the needs of you and your family. Our Network Guides are available to help you navigate our FMOLHS customized network. Whether it be our narrow EPO network or our PPO Tier 1 or Tier 2 network, our Network Guides can help you find a provider, assist with scheduling an appointment with network Primary Care Physicians, and check availability of specialty service in our network.

Network Navigation Resources:

• Call (855) 875-6265 to access our Network Guides. You will then be prompted to select a Network Guide for either our Louisiana or Mississippi network. Our Network Guides are available in most locations 7 days a week, 24 hours a day.
• Customized Provider Directory - Current plan members can see the most current list of the customized FMOLHS EPO network or the PPO Tier 1 and Tier 2 network online by visiting myhealthtoolkitLa.com/links/fmolhs or by calling Blue Cross Blue Shield Customer Service at (833) 468-3594.

You must submit dependent verification documents by the deadline for any newly enrolled and previously unverified dependents enrolled in the Health, Dental or Vision plans or their coverage will be terminated.

New Hires/Newly Eligible Enrollment and Dependent Verification Deadline: Complete your benefit enrollment and submit complete dependent verification documentation within 30 calendar days of your eligibility date. (e.g., New hire date: May 1, Document deadline: May 30).

Open Enrollment and Dependent Verification Deadline: Complete your benefit enrollment and submit complete dependent verification documentation by November 15. 

FMOLHS reserves the right to audit dependent verification documents at any time.

After enrollment is complete in your Oracle Self Service, download the required socuments to your 'To Do' list. For more information on Dependent Verification, please reference these frequently asked questions.

The prescription drug program we offer is administered through Express Scripts (ESI). Your cost is determined by the tier assigned to the prescription drug product. All prescription drug products on the prescription drugs list (Express Scripts National Preferred Formulary) are assigned as Generic, Preferred, Non-Preferred and Specialty. You may contact ESI for information on your benefit coverage and search for network pharmacies by logging on to www.express-scripts.com.

Medication Copay Savings and Personal Service Offered Through RxONE

RxONE is our FMOLHS-owned, in-house pharmacy, where you will receive reduced copays for prescriptions including mail order/90-day prescriptions and specialty medications. In addition to discounts, RxONE offers team members personal service through their in-store or curbside delivery options, faster fill times, immunizations and ease of access to our pharmacists. Take advantage of these cost savings and personalized service offers by selecting RxONE as your pharmacy of choice. Find a Location here.

We offer our team members the ability to set aside money through payroll deductions on a pre-tax basis to a Medical Care Flexible Spending Account (FSA). This account allows you to pay for out-of-pocket health care expenses, such as deductibles, copays, coinsurance, prescribed medications, dental expenses, vision expenses, Lasik and more. By paying for these expenses with pre-tax dollars, you reduce the amount of your taxable income and increase your take-home pay. Any dollars in an FSA account at the end of the calendar year must be used or you will forfeit those dollars.

For those team members enrolled in a Health Savings Account (HSA), a Limited use Flexible Spending Account (LUFSA) is available to use for reimbursement of eligible dental and vision expenses. If you enroll in the HSA account and also enroll in the Medical FSA, the Medical FSA automatically becomes a Limited use FSA.

You can set aside up to the IRS established limit each calendar year in payroll deductions.

For those team members enrolled in the High Deductible Health Savings Account medical plan and who meet certain other requirements for eligibility, we offer the ability to take charge of your health care spending with a Health Savings Account (HSA). Contributions made to an HSA are tax free and withdrawals for qualified medical expenses are tax free. Your HSA funds can be used for qualified expenses, including those of your spouse and/or taxable dependent(s), even if they are not covered by your plan. PayFlex is the administrator of the HSA and will issue a debit card which gives you direct access to your account balance which allows you to use the debit card to pay for qualifying medical expenses.

For those team members who enroll in the plan, there are two ways to fund your account. We will provide an annual employer contribution to your HSA account in the amount of $750 for employee only coverage or $1,500 for family coverage. In addition to the employer contribution, you can make your own contributions to your HSA account up to the IRS limit. For 2023, individual contributions are limited to $3,100 for employee only and $6,250 for family coverage.

Proper dental care plays an important role in your overall health. We offer dental plans that are designed to encourage preventive treatment, allowing team members to achieve oral health while striving to minimize dental costs. The dental plans are administered by Delta Dental.

The dental plans allow you to visit any licensed dentist, but by taking advantage of the nationwide PPO network you will maximize the value of the plan. You can search the Delta Dental PPO network for a dentist near you by visiting the Delta Dental Dentist Directory.

There are two options for Dental Coverage:

• The Basic Dental Option – This plan offers reduced semi-monthly premiums, has less coverage for major dental services and a reduced maximum limit. It does not include orthodontia coverage. For those of you with basic dental needs throughout the calendar year, this plan may be better.
• The Buy Up Dental Option – While this dental plan has higher semi-monthly premiums, it offers higher coverage for major dental services, includes orthodontia coverage, and has a higher annual maximum limit. This plan may be better suited for those with moderate to major dental service needs throughout the calendar year.

The health of your eyes is an indicator of overall health. Regular eye exams can detect diseases like glaucoma, diabetes, and loss of sight. Vision benefits allow for access to quality vision care. To ensure that you and your family will get the vision care you need, FMOLHS offers two comprehensive vision benefits plans provided by UNUM Vision. Network providers offer the lowest out-of-pocket costs. To find a network provider, log on to alwaysassist.com and select provider locator.

If you have questions about your vision benefits, please contact Unum at (866) 679-3054.

Basic Life and Accidental Death and Dismemberment (AD&D) is an essential part of your future financial security. We provide a basic life insurance benefit equal to 1.5 times your basic annual earnings up to a maximum of $50,000. This benefit is provided at no cost to you. If you are eligible (0.5 – 1.0 FTE) you are automatically enrolled in Basic Life insurance through Lincoln National Insurance Company.

We provide Short Term Disability insurance at no cost to benefit eligible team members (0.5 – 1.0 FTE). Short Term Disability insurance provides protection for a portion of your income if you become partially or totally disabled for a short period of time.

*Certain exclusions may apply. Please refer to TeamLink for full policy details.

We offer Long Term Disability (LTD) insurance to full-time benefit eligible team members (0.8 – 1.0 FTE) through Lincoln Financial Group. This coverage protects a portion of your income if you become partially or totally disabled for a long period of time. There are two types of coverage offered, Group Core LTD and Group Buy-Up LTD.

Payments last as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Any other benefits you receive (such as Social Security, Workers’ Compensation, pension benefits, or benefits from any similar act or plan) will reduce your LTD benefit amount. Certain exclusions, as well as pre-existing condition limitations, may apply.

Critical Illness coverage is a benefit offered by Lincoln to benefit eligible team members as an affordable way to protect against unexpected serious illnesses. In those situations, the last thing you want to worry about is bills. With Critical Illness insurance, you can get a cash benefit even if you’re receiving benefits from other insurance and can use the cash for anything you want or need.

Eligible team members can enroll in Voluntary Accident Insurance and receive cash for accidental injuries and can decide the best way to spend it. As an employer offered benefit, you receive lower rates for coverage.

We provide you with the opportunity to purchase additional term life insurance in addition to your Basic Life and AD&D. Benefit eligible team members can enroll in this Voluntary Term Life Insurance plan and the coverage is portable if you leave the health system.

The financial health of our team members is very important to us. That is why we invest in our team members futures by offering a 403(b) retirement plan, administered by Lincoln Financial Group, that automatically provides a core contribution equal to 2% of pay into each team member’s account. In addition to the core contribution, FMOLHS also provides a 50% matching contribution for each dollar an eligible team member contributes to the 403(b) retirement plan, up to the first 6% (3% maximum match). This means that you could receive up to a 5% contribution from FMOLHS! To receive this annual employer contribution, you must have worked at least 1,000 hours in the calendar year and be employed on the last calendar day of the year.

Team members can join at any time once they become eligible. Their contribution will be automatically set at 4% of pay but they can change that at any time through the Lincoln Financial website. Increasing your retirement plan contributions have never been easier with Lincoln’s auto increase feature. Learn more by clicking here.

In 2023 employees can contribute $22,500 annually to their 403(b) (combined limit for pre-tax and after tax contributions) and employees who are age 50 and over can contribute an additional $7,500 annually. You can find more information on the increased limits here.

Team members can go to LincolnFinancial.com/FMOLHS to register or log into their existing account to update beneficiaries, change their contributions, or manage their investments. The health system also provides access to a personal retirement consultant with Lincoln Financial Group. Team Members can schedule an appointment online to set up a time or place that is most convenient for them.

To update your retirement beneficiary in Oracle, click here.