Dental

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Many standard prescriptions can be filled at your local retail pharmacy. You can review the national chain options here. Specialty medications are generally filled at Kroger Specialty pharmacy or Senderra Rx. Click here for more information. Do you prefer the convenience and potential cost savings of mail order? You have three options for mail order: Amazon Pharmacy - click here for enrollment instructions Walmart Pharmacy - click here for enrollment instructions Cost Plus Drugs - click here for enrollment instructions

Click here to determine which medications are covered under your plan and any applicable limitations.

When you register for a free account on https://member.mysmithrx.com/, you can look up covered medications new or past-filled medications. You can also find in-network pharmacies from their national network of over 68,000 participating locations. Click here to learn more.

A specialty prescription is for special medicines that may cost more and need extra care, often used for serious health conditions. Follow these required steps to fill a specialty prescription: Initiate the Prescription: Request your doctor to send your prescription to one of the SmithRx specialty pharmacies. Choose between Kroger Specialty Pharmacy or Senderra. Click here for more information and contact details. Kroger Specialty Pharmacy: 888-355-4191 Senderra: 888-777-5547 Prior Authorization: Your physician must complete and submit a prior authorization to SmithRx to obtain approval for your medication under your plan. Connect with Support: Reach out to the SmithRx Connect Team at 1-844-385-7612. They'll assess if you're eligible for any patient assistance programs to help you save on the cost of your medication. If not, they'll guide you through applying for any available manufacturer coupons. This step is required before you can fill your specialty medication.

Did you know your local retail pharmacy may not always be the lowest cost option? SmithRx Connect can help you navigate alternative sources and hold your hand through the process. Click here to learn more.

Your doctor will send your mail order script to either Amazon Pharmacy, Walmart Pharmacy, or Cost Plus Drugs. You must first be enrolled in mail order: Amazon Pharmacy - click here for enrollment instructions Walmart Pharmacy - click here for enrollment instructions Cost Plus Drugs - click here for enrollment instructions

Use the Find My Meds tool, found at https://member.mysmithrx.com/. Click here to learn more.

If you are not using mail order pharmacy, tell your doctor to send the scripts to your preferred pharmacy, like CVS or Walgreens, for example.

You can make changes to your benefit elections during your healthcare and benefits open enrollment OR if you have a qualifying life event (QLE). A QLE is a change in your situation, like a marriage, divorce, or having a baby, for example, which allows you to make changes to your health insurance. Take a look a this document for more information. You have 30 days to submit your changes online through our benefits enrollment system. Here's an overview of qualifying life events from Healthcare.gov. If you have a QLE, contact your Lacher Benefits Advocate.

First, make sure you compare the bill you received with the EOB from the insurance. If you need to locate an EOB you can find one by logging into your account at www.myuhc.com. If the bill does not match the EOB, please contact your Lacher benefits advocate for further assistance.

Take a look at this flyer to learn about your choices when it comes to where you should receive care. High level overview: Primary Care Physician - This is your home base. Your doctor knows your history and is a good place to start. Cost to you: Option 1: $25 copay after deductible Option 2: $0 after deductible Emergency Room - Go to an ER when you have a life-threatening issue. Cost to you: Option 1: $300 copay after deductible Option 2: $0 after deductible Urgent Care - Consider an urgent care center for non-life threatening condition. You'll save time and money over the ER. Cost to you: Option 1: $50 copay after deductible Option 2: $0 after deductible Telemedicine - Consider using telemedicine for non-life threatening conditions, and when you need 24/7 care. Cost to you: Option 1: $0 after deductible Option 2: $0 after deductible

You can make plan changes and enroll dependents during open enrollment, or if you have a qualifying life event, by visiting https://www.paycomonline.net/v4/ee/web.php/app/login.

While regular medical care focuses on treating illness, preventive care aims to keep you from getting sick in the first place by focusing on helping you maintain good health. When you visit your doctor for a preventive care service - like a physical exam or a health screening - you should not be billed. However, if you ask your doctor about a specific health concern while you are at your preventive care visit, it may be billed as an office visit, and not a preventive care visit. Here’s how to be sure your preventive care visit is free for you: Mention prevention upfront – When scheduling your appointment, confirm that you are scheduling a preventive care visit. Know what to discuss with your doctor during the visit – During your visit, keep the conversation focused on how you can maintain a healthy lifestyle. Ask your doctor - If you do ask questions about a specific health concern while at your visit, ask your doctor if that will be treated as an office visit or as a preventive visit. Let your doctor know you are expecting this visit to be of no charge to you. For more information about preventive care, contact your Lacher benefits advocate.

After submitting a claim for medical treatment, you may receive an Explanation of Benefits (EOB) from your insurance company. The EOB is a form that insurance companies send to their members to explain what part of a claim was paid by insurance, what part was not paid, and why. It is important to understand what this statement means.

You may contact our Lacher Benefits Advocate, Heather Malik at 215-660-0353 or heather@lacherinsurance.com.

Medical and Prescription United Healthcare 1-800-414-9025 www.myuhc.com HSA QNB Bank 1-800-491-9070 www.qnbbank.com

Click here to learn more about the UHC member portal.

Click here and select the "Choice Plus" network.

Delta Dental 1-800-932-0783 www.deltadental.com When you access dental care, you can simply let your provider know your social security number and your group number, which is 97413-01021.

Click here and select Delta Dental PPO.

Click here and select the "Insight" network. Learn more.

Mutual of Omaha 1-800-228-7104 www.mutualofomaha.com

You are required to update your United Healthcare Coordination of Benefits information every year so that they can properly process your claims. Coordination of Benefits information confirms whether you and/or your enrolled dependents have insurance coverage other than your employer's and if so, what that other insurance is, so that they can determine proper payment responsibilities for claims. If your Coordination of Benefits is updated yearly or as requested, your claims will be processed. Click here for the Coordination of Benefits form. If you'd like to complete the Coordination of Benefits online, you can do so once you are registered on the UHC portal.

No. When you access dental care, let the provider know that you have Delta Dental, through your employer, Derstine's. The doctor may ask you to confirm your personal information such as social security number and date of birth to confirm your benefits.

When you register on the UHC portal, you will have access to print an ID card, view your claims, or find an in-network doctor. Visit www.myuhc.com. If you do not have your ID card, please feel free to contact your Lacher benefits advocate to obtain your Member ID.

See this document from the IRS for information. Scroll to page 5.

HSAs are a great way to save money and efficiently pay for medical expenses because they are tax-advantaged savings accounts that accompany high deductible health plans, or HDHPs. HSA money can be used tax-free when paying for qualified medical expenses. At the end of the year, you keep any unspent money in your HSA. This rolled over money can grow tax-free. Your HSA and the money in it belongs to you—not your employer or insurance company. Learn more:

Login to your QNB Bank account or contact them by phone: QNB Bank 1-800-491-9070 www.qnbbank.com

You can change your contribution amount any time throughout the year. Log in to Paycom to make your change.

Special Enrollments Rights, Marketplace information, Women's Health & Cancer Rights, and CHIP Notices Medical Plan Option 1 - Summary of Benefits & Coverage Medical Plan Option 2 - Summary of Benefits & Coverage HIPAA Privacy Notice Your Rights and Protections Against Surprise Medical Bills

Medicare creditable coverage disclosure notice

Click here for the plan overview Click here for legal information

Vision Benefit Summary Online Reference Guide

You will need to complete the Evidence of Insurability form if you want to enroll and initially waived the benefit as a new hire. The form is found here: www.guardiananytime.com/eoi/. The group ID is 570711. If you answer any of the questions on the EOI form with a “yes”, you may be declined.

Short-Term Disability - to learn how to file a claim, click here. Please reference our Group ID, which is 570711. Long-Term Disability - to learn how to file a claim, click here.

You will need to complete the Evidence of Insurability form if you want to enroll and initially waived the benefit as a new hire. The form is found here: www.guardiananytime.com/eoi/. The group ID is 570711. If you answer any of the questions on the EOI form with a “yes”, you may be declined.