My Benefits

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 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.

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. See our benefits at a glance.

Visit LincolnFinancial.com/FMOLHS for questions or call (855) 818-2883.

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 Voluntary Term Life Insurance within the first 30 days of eligibility and the coverage is portable if you leave the health system. If you waive coverage during your first 30 days of eligibility, you will not have an opportunity to enroll in the future. See our Lincoln and Voluntary Life Plan Overview.

Visit LincolnFinancial.com/FMOLHS for questions or call (855) 818-2883.

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 FMOL Health.

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.

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). 

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

After enrollment is complete in your Oracle Self Service, upload the required documents to your document records. For more information on Dependent Verification, please reference these frequently asked questions.

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.

To learn more about the FSA, click here. For more information on how to access your FSA through the Voya app, click here.

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. 

Just Premium

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.

For more resources regarding our health network, visit the Navigating Our Network section below.

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. Voya 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, with an employee minimum contribution of $50. In addition to the employer contribution, you can make your own contributions to your HSA account up to the IRS limit. For 2026, individual contributions are limited to $3,650 for employee-only and $7,250 for family coverage. 

For more information on how to access your HSA through the Voya app, click here.

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 FMOL Health customized network. Whether it be our EPO network or our PPO 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.

Call (855) 875-6265 to access our Network Guides. Our Network Guides are available 7 days a week, 24 hours a day.

Customized Provider Directory - Current plan members can see the most current list of the network online by visiting myhealthtoolkitla.com/links/FMOLHS or by calling Blue Cross Blue Shield Customer Service at (833) 468-3594.

Effective January 1, 2026, Capital Rx will be the new administrator for FMOL Health prescription plans, replacing Express Scripts. Similar to how the medical plan covers doctor visits, the prescription plan includes coverage for eligible prescribed medications.

• Capital Rx Member Welcome Booklet

To receive this annual employer contribution, you must work at least 1,000 hours during the payroll year and be employed on the first day of the last pay period of the payroll year.

Enroll in and manage your FMOLHS retirement accounts at LincolnFinancial.com/FMOLHS or contact Lincoln at (877) 562-4738.

If you are a participant in the frozen FMOL Health Pension Plan and have questions about your pension benefits, contact RetirementFocus at (855) 874-0011 or visit retirementfocus.com.

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. For frequently asked questions, download our FAQ.

*Certain exclusions may apply. 

To file a claim:

• Online at LincolnFinancial.com/FMOLHS (use company code FMOLHS). Once your claim is filed, check the status of your claim online.
• By phone at (800) 548-0805.
• Visit this link to learn more about how to file a Short Term Disability Claim.

FMOL Health is pleased to partner with Mercer Health & Benefits to introduce Trustmark Life + Care, a combined benefit that provides both long-term care and life coverage. This dual-purpose coverage offers guaranteed premiums, family and professional care benefits and cash benefit payout. Check out these resources to learn more:

• FMOL Health - Trustmark Life + Care FAQs
• Trustmark Life + Care Flyer
• Trustmark Life + Care Premium Estimates

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, FMOL Health offers two comprehensive vision benefits plans provided by EyeMed. Providers in the EyeMed Vision Care network offer the lowest out-of-pocket costs, and your copayments will be paid directly to the provider. To find a network provider, log on to eyemed.com and select provider locator. If you have questions about your vision benefits, please contact EyeMed at (866) 804-0982.

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. See our Benefits at a Glance.

Visit LincolnFinancial.com/FMOLHS for questions or call (855) 818-2883.

Hospital Indemnity Insurance plan is available to all team members. This voluntary plan is provided by Lincoln Financial Group and provides supplemental payments associated with a hospital stay that you can use for any purpose, including mortgage/rent payments, utilities, childcare, copayments, coinsurance and deductibles. Hospital Indemnity Insurance can help pay for out-of-pocket costs associated with a hospital stay. It pays both admission and daily benefits for these stays. If you elect this insurance, you’ll pay for coverage through payroll deductions. See our benefits at a glance.

Visit LincolnFinancial.com/FMOLHS for questions or call (855) 818-2883.