Critical Illness + Cancer | PBR

If you were recently hired and/or this is your first Open Enrollment, you may apply for Critical Illness + Cancer coverage for your self, spouse and child(ren) with no medical questions asked!

Every few seconds, an American suffers a heart attack or is diagnosed with cancer. The impact this can have on you and your family’s finances can be devastating. The copayments and the expenses that aren’t covered by major medical insurance eat away at savings as well as the belief that things can get better. Critical Illness + Cancer coverage helps with the nonmedical costs that come with such devastating diagnoses, including travel, childcare, and other unexpected expenses.

Presentation: Critical Illness+Cancer (AccumNHGI)

Please refer to the online enrollment site, AccessAble, for premiums.

Hospital Confinement | PBR

If you were recently hired and this is your first Open Enrollment, you may apply for Hospital Confinement coverage for your self, spouse and child(ren) with no medical questions!

Over the course of a prolonged hospital stay, savings may be put at risk simply to cover a variety of deductibles and co-payments. For many, turning to other family members and friends for help may seem like the only option to pay for expenses not covered by traditional insurance.

Hospital benefits can provide a reassuring layer of financial protection to you and your family by paying cash to cover unexpected expenses in the event of hospitalization.

Presentation: Hospital (SNHGI)

Please refer to the online enrollment site, AccessAble, for premiums.

Accident Recovery | PBR

An accident can change everything in the blink of an eye. The costs of dealing with a life-altering accident can be overwhelming for those who are unprepared. Bills can pile up quickly, linger for years after an accident, and have a lasting effect on everyone in the household. USAble Life’s Accident Plan offers you an additional layer of financial protection and pays you directly in the event of a covered accident.

Presentation: Accident Recovery (OTJS)

Please refer to the online enrollment site, AccessAble, for premiums.

Medical Expense / Healthcare Flexible Spending Account (FSA) - TASC

Medical Expense FSA allows you to pay for qualifying medical expenses on a pretax basis. Expenses can come from family medical deductibles, copayments, eye care expenses, prescription drugs, and family dental expenses. It is allowable to exempt medical expenses for yourself, your spouse, and all dependents you list on your federal tax return.

2024: Healthcare FSA max:  $3,200 | Carryover max:  $640 (from 2024 into 2025)

2025: Healthcare FSA max: $3,300 | Carryover max: $660 (from 2025 into 2026)

Presentation reflects 2023 maximums:  What is FSA – TASC

Dependent Care Flexible Spending Account (FSA) - TASC

Dependent Care FSA allow dependent care expenses for children under age 14, or a disabled spouse or person of any age who is unable (mentally or physically) to take care of him or herself and who spends at least eight hours a day in your home, to be deducted from your paycheck. The maximum dollar amount allowable under IRS regulations is $5,000 ($2,500 if married and filing separately) per plan year.