BILH BENEFITS CENTRAL

Enroll in Your 2027 Benefits:

October 26 to November 13

Benefits Open Enrollment is your annual opportunity to review your benefits and make the choices that will best support your health, finances, and wellbeing in the year ahead.

During this year’s Open Enrollment period, we’re offering tools and resources that will help you make informed decisions and feel confident about your choices. Explore these resources below.

Learn More About the New Health Plan

BILH will offer a new health plan option in 2027—the BILH Network High Deductible HSA—a high-deductible health plan with accompanying health savings account.

Learn more about how this plan works.

Resources to Help You Make Confident Choices

We want you to have all the information you need to determine which benefits are the right fit for you and your family. For that reason, we’re offering several different ways for you to get information and ask questions, including: 

Questions about your benefits?

Terms and Conditions

BILH BENEFITS CENTRAL

MEDICAL PLANS & PRESCRIPTION DRUG COVERAGE

New for 2027! BILH Network High Deductible HSA

BILH will offer a new health plan option in 2027—the BILH Network High Deductible HSA—a two-tiered HMO, high-deductible health plan. The resources below explain how the plan, and the accompanying health savings account work, so that you can decide whether this new plan option is right for you.

The following resources from Fidelity, our HSA administrator, can also help you learn more:

For 2027, BILH offers four medical plan options administered by Harvard Pilgrim Health Care (HPHC). There are three Health Maintenance Organization (HMO) options and one Preferred Provider Organization (PPO) option:

• BILH Network High Deductible HSA
• BILH Network Premier HMO
• Flex HMO
• Access PPO

For the HMOs, providers and hospitals are assigned to Tier 1, 2, or 3 based on a variety of factors including quality and cost; you pay less when you see providers in lower tiers.

* For those employees covered by a collective bargaining agreement, the terms of the applicable collective bargaining agreement apply. You can find medical plan information, including rates, by navigating to the Help page on Workday.

Send a secure message through your Harvard Pilgrim online member account at harvardpilgrim.org/bilh or call 866-623-0194.

Prescription Drug Coverage

If you enroll in one of the medical plans, you will receive prescription drug coverage from InScript. The pharmacy benefit is the same for all the HMO plan options, with different copays for the PPO.

The InScript network includes the BILH Pharmacy as well as CVS, Walgreens, Target, Walmart, Stop & Shop, and more. For a list of participating pharmacies, visit www.inscriptrx.org/patients. You must fill 90-day supplies of medications at a BILH Pharmacy.

Save Money When You Use a BILH Pharmacy with HMOs!

If you enroll in one of the HMO options, you will pay less if you use home delivery or a retail BILH, Lahey, or BIDMC pharmacy. Using a BILH Pharmacy supports the system and saves you money; it’s a win-win for us all.

For contact information and hours of operation, click here.

Contact: InScript at 855-542-1819 or visit inscriptrx.org/patients

Contact: BILH Pharmacy at PharmacyEnrollment@BILH.org or call 781-352-6710

Questions about your benefits?

BILH BENEFITS CENTRAL

DENTAL & VISION PLANS

Dental Coverage

BILH offers two dental plans: a low option and a high option, both provided by Delta Dental. The low option offers lower premiums and a lower annual deductible, but it does not cover major restorative services or orthodontia. The high option covers these services and also allows you to roll over some unused claims dollars from one year to the next. Both plans include the "Right Start 4 Kids Program" that covers 100% of the cost for diagnostic, preventive, basic, and major restorative (in High Option) care for children up to age 13.

Review the details of each and choose the best plan for your needs.

Contact: Delta Dental at deltadentalma.com or call 800-368-4708

Vision Coverage

Two vision plan options are available from EyeMed. Both plans cover eye exams, frames, lenses, and contact lenses, as well as offer a variety of discounts on services and materials. No matter which vision plan you choose, you will have access to a custom provider network that includes Lahey Optical Shops and BIDMC providers.

Contact: EyeMed at member.eyemedvisioncare.com or call 866-723-0514

Questions about your benefits?

BILH BENEFITS CENTRAL

SAVINGS AND SPENDING ACCOUNTS

Flexible Spending Accounts are administered by Sentinel. You have three FSA options as a smart and convenient way to stretch your benefit dollars and receive real tax savings: a Health Care FSA, Limited Purpose FSA, and a Dependent Care FSA. All three allow you to contribute pre-tax dollars through payroll deductions. You are then reimbursed tax-free through the account for eligible expenses. You can use the Sentinel Benefits Card to pay for eligible expenses.

Questions about your benefits?

BILH BENEFITS CENTRAL

LIFE INSURANCE | AD&D | DISABILITY INSURANCE

2027 Disability Insurance

If you're unable to work because of your own illness, injury, pregnancy, or recovery from a medical condition, disability benefits can help replace a portion of your income while you're away from work. BILH provides Basic Long-Term Disability (LTD) coverage from MetLife at no cost to eligible employees.

You have the option to increase your Long-Term Disability coverage or “buy-up” as well as add Short-Term Disability protection. 

Life and Accidental Death & Dismemberment (AD&D) Insurance

BILH provides basic life insurance to eligible employees. For added protection, you may purchase supplemental life insurance for yourself and your dependents. You can also purchase Voluntary Accidental Death & Dismemberment (AD&D) insurance coverage specifically for accidental death or injury.

2026 Disability Insurance

Disability insurance is a source of financial protection if you are unable to work due to illness or injury. Short-Term Disability coverage protects your income for up to 26 weeks.

You can elect coverage without answering medical questions (Evidence of Insurability). Pre-existing condition restrictions may apply. Learn more by visiting Unum's website.

Massachusetts Paid Family and Medical Leave

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BILH BENEFITS CENTRAL

ADDITIONAL BENEFITS

Care.com

BILH offers this important program to help you care for those you love, including yourself. Benefits include:

Support for New Parents!

Have a new addition to your family? Click here to find out more about the support you can receive as a BILH employee through Care.com.

Contact: 855-781-1303, ext. 4

Employee Assistance Program (EAP)

BILH’s Employee Assistance Program (EAP) is SupportLinc, offering no-cost, confidential support for you and your family, available whenever you need it.  

Licensed professionals are available for counseling and coaching, plus referrals for financial, legal, child care, elder care, pet care, auto repair, and other everyday needs.

Reach support 24/7/365 by phone, web, or mobile app.  

Contact: Call 855-760-BILH (2454) or visit mysupportlinc.com and use the group code: bilh

Accident Insurance, Critical Illness & Hospital Indemnity

BILH offers three voluntary plans, administered by Voya, to complement your medical coverage:

• Accident Insurance: If you experience an accidental injury, Accident Insurance provides you a payout to use any way you wish to cover deductibles, out-of-pocket expenses, or everyday living expenses that aren’t covered by your medical insurance.

• Critical Illness Insurance: When a serious, life-threatening illness happens to you or a loved one, this coverage provides you with a lump-sum payment upon diagnosis that you can use to help pay for expenses generally not covered by medical and disability income coverage.

• Hospital Indemnity Insurance: If you are admitted or confined to a hospital due to a covered accident, illness, or pregnancy, Hospital Indemnity Insurance benefits can help pay for out-of-pocket costs such as health care insurance deductibles, copays, or living expenses.

Legal Insurance

Be Protected When Legal Happens.
Legal issues can come up at any time. And facing them alone can be overwhelming when you’re not sure what to do. A legal insurance plan from ARAG® provides access to experienced network attorneys and trusted resources for a wide range of legal needs, like the examples below.

• You get caught speeding, and you want to fight the ticket.
• Your neighbor’s ugly fence is on the property line.
• You want to add your newborn child to your will.
• Your dog bites a neighbor.
• The mechanic botches your car repair.

6 Reasons to Enroll in ARAG Legal Insurance

• Attorney fees are paid in full for most covered legal matters.
• Save thousands of dollars, on average, by avoiding costly legal fees.
• Connect you with local attorneys – many who average 20+ years of experience.
• Address your covered legal situations with a network attorney
• Your network attorney can help throughout your legal matter, including preparing and reviewing legal documents, offering legal advice and representing you in court.
• Use DIY Docs® to create, edit and save legal documents online, using state-specific, attorney-reviewed templates.

For specific details about your plan and to view a complete list of coverages, visit ARAGlegal.com/plans and enter Access Code 10183bil. To talk with someone, call ARAG at 800-247-4184.

Commuter Program

The Commuter Program allows you to put away pre-tax dollars for situations in which you must pay to park or take public transportation during your commute to and from work.

This program – which does not replace local subsidized parking or commuter programs – is available to organizations within the BILH system. You can choose from a Parking FSA or a Transit FSA.

Note: If you participate in a subsidized parking or transit plan through a BILH organization, you are not eligible to enroll in the Sentinel Commuter program.

Questions about your benefits?

BILH BENEFITS CENTRAL

WELLBEING

Questions about your benefits?

BILH BENEFITS CENTRAL

RETIREMENT & FINANCIAL PROGRAM

Retirement Benefits

Saving for a more secure financial future is important, and retirement benefits to help you save are a valuable component of our comprehensive Total Rewards program.

You can find information about your organization’s retirement benefits on your local intranet, by contacting the BILH HR Service Center, or by accessing your retirement provider.

Roth (After-Tax) Contributions to Retirement Plans

Learn more about Roth after-tax contributions and how they differ from pre-tax contributions by reviewing this document from Fidelity.

Save More In 2026! Increased IRS Contribution Limits

In 2026, individuals may contribute up to $24,500 (the IRS limit), to retirement savings plans. The IRS allows individuals who will turn age 60-63 in 2026 to make catch-up contributions of up to $11,250. Those who will be age 50-59 or age 64 and older in 2026 are allowed to make catch-up contributions of up to $8,000.

Fidelity:

Questions: 800-343-0860 or www.NetBenefits.com/atwork

One-on-one scheduling: 800-642-7131 or www.Fidelity.com/reserve

Pension Benefits (for eligible employees only):

BILH Pension Services: 855-213-9789 or https://eepoint.wtwco.us/ess/bilh

TIAA-CREF:

BIDMC: 800-842-2252

Mount Auburn Hospital & Joslin
Diabetes: 800-842-2776

www.tiaa.org

2024 Retirement Plan Summary Annual Reports:

BenefitHub Discount Portal

BenefitHub is a centralized website with access to benefits and discounts specifically for BILH employees. When you log into BenefitHub, you’ll receive access to discounted rates on auto and home insurance, pet insurance, identity theft protection, hotels, concerts, game and movie tickets, apparel, and much more. You can access and enroll in these programs any time throughout the year.

Tuition.io Student Loan Management

BILH offers access to Tuition.io at no cost to you*, to help you manage student loan debt. Visit the Tuition.io site to get started and explore the resources available. When prompted enter your work email address and you’ll receive a link to complete your registration.

Unlock Your Student Loan Benefits Today

BILH knows that student loans and college planning can feel overwhelming, but you’re not alone. Through Tuition.io, you have access to powerful tools and expert guidance to simplify repayment, explore savings opportunities, and plan for future education costs with confidence.

With Tuition.io, you get:

• Personalized loan management tools to keep track of payments and progress
• Expert support to optimize repayment strategies and reduce financial stress
• College planning guidance to help you (or your family) make informed decisions

Tuition.io can support you on your financial journey!

Bank of America Banking and Investing Program

Support for Your Financial Priorities

BILH wants to help support you as you pursue your financial goals, so we partner with Bank of America to offer ongoing financial well-being education, support and tools. You can learn about saving and budgeting, credit, homeownership, investing or debt, or many other financial focuses. Access a variety of personal financial education tools here.

Watch for upcoming webinars to help with understanding Social Security, retiring on your terms, putting your money to work, and many other financial focuses.

Questions about your benefits?

BILH BENEFITS CENTRAL

ENROLLING & COMPLIANCE

Enrolling for Benefits

Benefits-eligible BILH employees enroll for benefits in Workday. 

Compliance

In this section you can find legal and compliance documents for your Beth Israel Lahey Health benefit plans.

To access 2024 Summary Annual Reports for the retirement plans, click here.

Questions about your benefits?

BILH BENEFITS CENTRAL

LEAVES OF ABSENCE

Leave of Absence (LOA)

The information below is a summary of steps needed to initiate a Leave of Absence. For complete information, step-by-step instructions, and helpful resources, log in to Workday and watch the Supporting Your Leave of Absence Journey.

A leave of absence (LOA) is time away from work that’s approved by your employer for specific personal, family, or medical reasons.

There are many reasons you may need a leave of absence. You may be recovering from an illness or injury, welcoming a new child, caring for a loved one, or addressing important personal matters. Taking a leave can help you focus on what matters most while protecting your job and, in many cases, your benefits.

A leave of absence is initiated, per BILH employer policies, when an employee needs to be away from work for more than five business days. If you think you may need a leave of absence, it’s important to understand your options and the steps to take. The information below will guide you and help you plan for your time away from work.

Types of Leave

A leave of absence does not need to be continuous. While many are, some employees find that working a reduced schedule or taking intermittent leave is a better option:

• Continuous leave: A single time period of consecutive, uninterrupted days.

• Reduced leave: A consistent but reduced schedule for multiple weeks.

• Intermittent leave: Multiple episodes of time off, which may be irregular or unexpected.

Initiating Your Leave of Absence

Once you have decided that you need to take a leave of absence, you should do the following:

Step 1 - Let your manager know when you will be going out and your expected return to work date, and how you would like to be paid while on leave. Review the ​​Leave of Absence Tip Sheet for Employees and Managers.​

Step 2 - Use the information below to contact Absence Resources (formally known as FMLASource), who can help you apply for applicable BILH or state-provided leave programs, including short- and long-term disability. You must contact them within 30 days of your first day of missed work. Once your leave has been initiated, your manager will receive a notification that a claim has been filed from Absence Resources.

Initiate Your Leave of Absence by contacting Absence Resources:

• Online at fmlasource.com

• Call 844-587-1700 (BILH dedicated line)

Questions?

If you have questions about the leave of absence process, view your local policy
or call the HR Service Center at 617-667-5000, Monday through Friday, 7:30 a.m. to 5 p.m.

Questions about your benefits?