2026-2027 Employee Benefits

Welcome to the Upward Health Benefits site

We know how important benefits are for you and your family. That is why we are proud to offer comprehensive benefits to support your physical, mental, and financial health — and that of those you love. Our programs are designed to be flexible, so you can choose the benefits that best meet your needs.

Because choosing your benefits takes careful thought and planning, we created this virtual benefits showcase to help you easily navigate and understand our offerings. Please take some time to review the information and return to the site whenever you or your family members have questions or want to view your benefits. This information will be available on demand throughout the year, so feel free to bookmark it.

All full-time employees who work at least 30 hours per week are eligible for benefits.

How to navigate this site

Explore the benefit categories using the top navigation. Watch videos and access documents from carriers.

Scroll for enrollment details, qualifying special enrollments, plan costs, and key terms to know.

Current Plan Year is July 1, 2026 through June 30, 2027

Your benefits are in effect during the timeframe listed above. Outside of Open Enrollment, you can only make changes if you experience a Qualifying Life Event (QLE) and submit updates within the Special Enrollment Period. For more information, see the QLE flyer below. If you fit the QLE criteria and you need to make a change, access your enrollment platform by clicking on the button below: "Enroll or Make Changes".

How Do I Enroll or Change my Benefits and See My Plan Costs?

Ready to explore your personalized plan costs and enroll? After you worked with Alex, referenced above, click the "Enroll or Make Changes" button below to log in or register with Enrollment Platform. You will be able to view and elect coverage, submit qualifying life events, add beneficiaries, and more. You can enroll during your annual open enrollment period or if you have a qualifying event during the Special Enrollment timeframes outlined below.

When Can I Enroll in Benefits?

You can enroll or make changes during any one of the three following timeframes.  To enroll or make changes, click the "Enroll or Make Changes to My Benefits" button above.

What Key Terms Should I Know?

To help you better understand your benefits, view the definitions of the key terms used to describe your health insurance.  

Medical Benefits

We Proudly Invest in Your Health

Our medical benefits provide the coverage you need to help you be and stay healthy. From routine check-ups to essential treatments, it is easy to take care of your health. To help meet your unique needs, we offer a combination of a PPO, EPO and HDHP HSA plan. As you go through the enrollment process, you can access the benefits plan comparison, summary of benefits, and search for in-network providers by clicking on the links below.

Provider Network: Open Access Plus

Important Pharmacy Info

Cigna

Medical

PPO

With a PPO medical plan, you have the choice of two benefit tiers: in-network and out-of-network. The PPO option offers a more extensive network of providers and specialists, including national networks. You do not need to designate a PCP or obtain a referral to see a specialist.

To learn more about how out-of-network benefits work, click here.

EPO

With an EPO medical plan, you do not have out-of-network coverage and will need to search for providers in-network. Although you do not need referrals with an EPO, it's important to always search for providers in-network to ensure services are covered. 

HDHP HSA

With this High Deductible Health (HDHP) HSA plan, you have access to in-network providers. You can also take advantage of a Health Savings Account (HSA). You contribute money pre-tax into the account and then use the funds to pay for eligible medical, dental, and vision expenses or to cover the costs of meeting the plan's deductible.

Upward Health contributes to your H.S.A on a monthly basis to help you pay for eligible medical expenses. View HSA page to learn more.

View Your Summary of Benefits & SBCs

Important Disclosures

The disclosures provide information about your health coverage, including details about your HIPAA special enrollment, limitations, exclusions, and COBRA coverage.

Dental Benefits

Keep Your Smile Healthy

Having dental insurance is essential for maintaining your oral health and overall well-being. Regular dental check-ups can prevent minor issues from becoming major, expensive problems. With dental insurance, you have access to a network of dentists and reduced rates on a range of services, from routine cleanings to more complex procedures like fillings and crowns. Investing in dental insurance not only saves you money in the long run but also ensures you and your family have healthy, confident smiles.

Provider Network: PDP Plus 

MetLife

Dental

View Your Summary of Benefits

Vision Benefits

See Well, Live Well

If you have perfect vision or require some type of corrective lenses, preventive eye care is an important part of your overall health.

Vision benefits can help you offset the expensive costs of exams, frames, contact lenses, corrective surgery, and more. 

Anthem

Blue View Vision

View Your Summary of Benefits

Life and AD&D Benefits

Safeguard Your Loved Ones

Life can be unpredictable, but your financial security doesn't have to be. Life and Accidental Death & Dismemberment (AD&D) insurance provides a crucial safety net for you and your loved ones. In the event of an unexpected loss or severe injury, these benefits offer essential financial support, helping to cover expenses and ensuring peace of mind during challenging times. By opting into Life and AD&D coverage, you're taking an important step in protecting your family's future and safeguarding against the unforeseen.

Anthem Life

Basic Life Coverage

Guarantee Issue coverage paid for you by Upward Health. Be sure to add your beneficiary. 

The benefit level is equal to a maximum amount of $50,000

View Your Summary of Benefits

Anthem Life

Voluntary Life Insurance

If you would like additional life insurance, you can purchase voluntary life and AD&D insurance for yourself, a spouse or domestic partner, and your eligible children through Anthem Life. Evidence of Insurability (EOI) is not required up to the guaranteed issue amount.  Your contribution for this additional benefit will be deducted post-tax from your paycheck.  

For rates please see enrollment portal.

View Your Summary of Benefits

Disability Benefits

Financial Protection When You Need It Most

Disability insurance provides financial protection if you become too sick or injured to work. If you ever find yourself unable to perform your job due to a medical condition, disability benefits will provide a portion of your income, ensuring you have the financial means to support yourself while you recover. This coverage allows you to focus on your health and recovery without the added stress of lost wages, giving you peace of mind.

Short-Term Disability

Anthem Life

Short-Term Disability (STD) coverage begins on the eighth day of an injury or illness and continues up to your recovery or 12 weeks, whichever comes first.

Your weekly benefit will be reduced by any benefit you receive from other sources of income (i.e., state disability payments, workers’ compensation, etc.).

View Your Summary of Benefits 

Long-Term Disability

Anthem Life

If you are unable to return to work after 90 days, Long-Term Disability (LTD) kicks in. This benefit begins after 90 days of disability and continues to your recovery or normal retirement age, standard ADEA whichever comes first.

Coverage amount: 60% of your monthly salary, up to a maximum monthly benefit of $6,000.

The waiting period for this benefit is 3/12.

View Your Summary of Benefits 

Flexible Spending Account

Save Money on Your Taxes

Flexible Spending Accounts (FSA) are a powerful tool that allows you to set aside pre-tax dollars for eligible healthcare and dependent care expenses. Imagine being able to pay for things like medical co-pays, prescriptions, childcare, and even some over-the-counter items with tax-free money! Not only does this help you save on taxes, but it also makes managing your out-of-pocket costs much easier. By planning ahead and contributing to an FSA, you can enjoy significant savings and greater financial flexibility throughout the year. 

 If you are enrolled in the [HDHP/HSA plan], you cannot enroll in a medical FSA; please see the Savings Account tab for more information. 

Health Care FSA**

Rollover: For the FSA plan year ending on 6.30.2026, you may rollover $660 of unused FSA funds into this new FSA plan year. You must submit claims by 9/30/2026. For the FSA plan year beginning on 7.1.2026 and ending on 6.30.2027, you will be able to rollover $680 of unused funds to the next plan year​ and will need to submit claims by 9/30/2027.

Dependent Care FSA (DCFSA)

Grace Period: For the DCFSA plan year that is ending on 6.30.2026, you can still use unspent funds through September 15, 2026. For the DCFSA plan year beginning on 7.1.2026 and ending on 6.30.2027, you can use unspent funds through September 15, 2027.

Commuter Benefits (Parking and Transit)

*Maximum amount to be deposited in the combined mass transit/vanpool account before tax is $340* per month.

FSA Funds? Let’s Put Them to Work!

Looking for smart ways to use your FSA dollars? You’ve got plenty of options! From activity trackers that support your wellness goals to everyday over-the-counter essentials and even hearing aids, your FSA can help cover a wide range of items. If you’re unsure what qualifies, head over to FSAstore.com for a full list of eligible products—and get inspired to put your remaining balance to good use before the deadline.

*You can obtain a complete list of eligible and ineligible expenses for FSAs at www.irs.gov. Search Forms and Publications (502 for health care plans and 503 for dependent care plans).

**Individuals enrolled in the Health Savings Accounts (HSA) Health Plan are not permitted to elect the Health Care FSA.

Health Savings Account

Maximize Your Savings 

A Health Savings Account (HSA) is a triple tax-advantaged savings account that allows you to save for qualified healthcare expenses and retirement. 

Think of it as a 401(k) for your health care. The money in your account can be used to pay medical, dental, and vision expenses for both you and your qualified dependents. Contributions are deducted from your paycheck tax-free, and you can use your savings immediately.

Upward Health will contribute funds to your Health Savings Account (HSA) each month to help cover your healthcare expenses—up to $1,000 per year for Employee-only coverage and up to $2,000 per year for Employee + Dependents coverage. In addition to the company’s contribution, you may also choose to make your own contributions through payroll deductions up to the allowable IRS amount for that year. See below for the total IRS contribution limits.

Key points about HSAs:

• This savings account belongs to you!
• Unused funds roll over year after year.
• You have investment options available to help grow your savings.

Click here for a list of eligible Healthcare HSA expenses

Upward Health Contributions

2026 HSA Annual Contribution Limits*

$4,400

$8,750

For all other coverage tiers

2027 HSA Annual Contribution Limits*

$4,500

$9,000

For all other coverage tiers

Over the age of 55?

If you are or will be age 55 or over during the calendar year, you may also make a “catch-up” HSA contribution of an additional $1,000 each year.

Maximize Your Savings

You can choose to contribute to your HSA on a before-tax basis, up to the IRS annual maximum. 

Smart Ways to Use Your HSA Dollars

Your HSA doesn’t just help you save—it helps you make the most of every health dollar. From everyday essentials to long-term wellness items, your HSA can be used on a wide range of eligible products that support your health and financial goals. Looking for ideas or want to explore what qualifies? Visit HSAstore.com for a full list of HSA-eligible items and discover smart ways to use your funds today while continuing to save for tomorrow.

HealthJoy

Save money on healthcare?  Save time and avoid hassle?

Stay organized with your benefits at your fingertips?

Get fast answers to your healthcare questions? 
Access a doctor, anytime, anywhere?

With HealthJoy, you can do all this-and more!

Click on the + below for details within each section. 

Virtual Visit /

Medical Care*

$0 per visit

* Non life-threatening 

Mental Health

$0 per visit

Dermatologist

$93 per visit

Nutrition
Counseling

$63 per visit

GLP - 1*

 To Learn more about the GLP-1 program and to see if you qualify, click here

Mental Health Resources

These resources are available to ALL employees, even if you are not enrolled in a medical plan.

Confidential Care, Anytime

Carelon Wellbeing

Take advantage of your Employee Assistance Program (EAP) to support your well-being. Whether you need help managing stress, finding work-life balance, or navigating personal challenges, our EAP offers confidential counseling and resources to help you thrive both at work and at home. It’s free, easy to access, and designed to support your mental and emotional health whenever you need it. 

EAP is administered through Carelon Wellbeing at no extra cost to you. It's available to you and your spouse, dependents, children up to age 26, and other household members.

National Mental Health Resources

Taking care of your mental health is just as important as your physical health. Whether you're feeling overwhelmed, dealing with anxiety or depression, or simply need someone to talk to, you're not alone. There are many trusted national resources available to support you—confidentially and without judgment. If you're struggling, help is always within reach.

Cigna Identify Monitoring

These resources are available to employees enrolled in a Cigna medical plan.

Affordable Identity Protection You Can Count On

The employees enrolled in a Cigna Healthcare medical plan will be the primary subscriber. Their children under the age of 18 are automatically covered (regardless of medical plan enrollment). Adult family members (spouse, partner, children, etc.) who are 18 or older can be added through the Family Upgrade option in the IdentityForce dashboard once you have activated an account. 

Cigna’s Identify Force is a full-service Identity Restoration that supports members in restoring their identity in the event their identity is compromised. If your identity is stolen — or even if you suspect it may have been stolen — you'll work with an Identity Restoration specialist.

The IdentityForce Resolution Team at (833) 580-2523

Please note that you must create an account online prior to calling as the care team can only access existing accounts and cannot create new accounts.

Comprehensive protection features to help you feel safer in your digital life.

• Device security

• Identity alert with credit monitoring

• Social media monitoring

• Secure VPN

• Parental control

• Million-dollar protection package.

Click the button below to begin protecting yourself or your spouse from identity theft.

Cigna Mental Health Resources

These resources are available to employees enrolled in a Cigna medical plan.

Your Mental Health Matters

MDLIVE

If you're struggling with family stress, work-related changes, relationship issues, or the loss of a loved one, MDLIVE licensed therapists provide talk therapy and coping strategies, while our board-certified psychiatrists can help with medication management. Appointments are private, convenient, and affordable. You can choose the same provider for each visit or switch anytime.

Brightline

A national pediatric behavioral health provider for kids, teens, and parents, all delivered virtually. Supports ages 18 months to 17 years old for kids + parents, too. Access personalized, trustworthy support (no long waitlists!) with video visits with therapists & coaches from the comfort of your home. It's a one-stop digital platform to manage care and schedule video visits and resources, including sessions for parents & caregivers to help their kids better.

Ginger

Behavioral health coaches are available to chat via text anytime you need immediate support. Licensed therapists and psychiatrists offer therapy via video with flexible hours, including weekends and evenings, all from the privacy of your smartphone.

Talkspace

Talkspace offers individual, couples, LGBTQIA+, Veterans, and teen therapy across a wide range of specialties like anxiety, depression, PTSD, OCD, panic disorder, and more. Connect with a licensed therapist from the comfort of your device by live video, text, or phone.

Meru Health

Meru Health is a personalized mental health program built around continuous support from a dedicated therapist and a breakthrough app with proven digital tools. Adults 18+ are eligible for the program using their mental health benefits.

Alma

Alma connects you with clinicians who provide therapy for individuals, couples, families, children, and adolescents, as well as medication management both virtually and in person.

NOCD

NOCD provides online therapy with our licensed OCD therapists specialized in ERP, the gold standard treatment for OCD, through live video sessions. NoCD reports you may start feeling better in as little as eight weeks.

Headway

Whether you know what you need or aren't sure where to start, Headway can help you find quality, affordable, and easy-to-access care.

Brightside

Whether your symptoms are mild or severe, Brightside experts can provide the life-changing care you need to get better with 1:1 help for anxiety and depression.

Equip

Equip's virtual, evidence-based care empowers patients to beat their eating disorders and protect against relapse and treats children, teens, and adults in all 50 states. Their providers are trained to treat all eating disorder diagnoses, as well as co-occurring conditions like anxiety, depression, and OCD.

Monument

With Monument's holistic online alcohol treatment, drinking will become less important to you. Monument is designed to get you results even if you're short on time and don't have the budget for expensive alcohol rehab. Care is 100% online and includes specialized alcohol therapy to help you manage thoughts about alcohol, build healthier habits, and improve your overall mental health, medication to help you stop drinking, and online support forums.

Grow Therapy

Find an affordable therapist who accepts Cigna and is personalized to your needs in your state. 

Cigna Resources

These resources are available to employees enrolled in a Cigna medical plan.

Support and Savings Right at Your Fingertips

Your health and well-being are top priorities, and we're proud to offer you a suite of powerful tools, resources, and ways to save to help support every aspect of your well-being. From personalized health assessments and fitness trackers to mental health support, nutrition guides, and financial wellness and savings, these resources are designed to help you thrive both at work and in life. Take advantage of these benefits and discover how easy it is to stay healthy, happy, and balanced every day.

myCigna Member Portal

myCigna is your one-stop shop for all member resources. From programs that help improve your health to tools that help manage your health spending, there's so much you can do. 

• View your coverages
• Find in-network providers
• View claims
• And more

Preventative Care

Preventative Care is an important part of staying healthy and avoiding potentially serious health conditions. Your plan pays 100% of certain preventative care services.

You can also see a complete list of preventative care services, by click on the category below:

• Adults
• Women
• Children

MDLIVE Virtual Care

If you are enrolled in any of the Cigna medical plans, you and your covered family members have convenient access to virtual care services though MDLIVE. 

• Primary Care 
• Urgent Care
• Behavioral Care
• Dermatology

Cigna Healthy Rewards

Healthy choices deserve healthy discounts. Use your Cigna ID Wallet when you pay and let the savings begin. Take advantage of discounts on health products.

Cigna Active & Fit Direct

Active & Fit Direct is a fitness program that provides access to a network of gyms, online tools, and coaching. Access to over 12,500 gyms, over 12,000 on-demand videos, and free daily workouts on Facebook live and YouTube. 

Behavioral Health

Behavioral health challenges can be diverse and complex. That's why Cigna Healthcare offers so many virtual provider options. So you can get the confidential care and support you need – when and how it works for you.

See Mental Health page for more access to each program.

Visana—Women's Health

Visana offers virtual comprehensive women’s health services, including preventive care (such as well-woman visits and screenings), gynecological and reproductive care (for issues like fibroids and infections), hormone and metabolic support (for PCOS, thyroid issues, and more), as well as menopause and perimenopause treatment options.  

Pregnancy and Early Parenting Support

Pregnancy and early parenting are both rewarding and challenging. With your Cigna health insurance, you have access to free tools and resources to support you every step of the way, with benefits designed to make your transition into parenthood smoother, so you can focus on enjoying time with your little one. 

Foodsmart

Omada

Cigna is offering Omada® to help members manage weight and create healthier habits with one-on-one personal coaching and the tools needed to make long- lasting health changes. Join to get access to:

• One-on-one support

• Smart scale

• Online peer groups and communities

RecoveryOne

RecoveryOne offers free virtual physical therapy for eligible Cigna members, with personalized exercise plans, support from licensed therapists, and convenient at-home care to treat pain and recover from injuries and manage chronic pain.

Contacts

OPEN ENROLLMENT OR HR QUESTIONS?

For Open Enrollment questions or HR general questions, contact your Upward Health Human Resources team at HR@upwardhealth.com.

Joshua Mandell

Vice President

Email Josh

Samuel Greene

Benefit Specialist

Email Samuel

212-578-8563

Cigna

cigna.com

MetLife

metlife.com

Anthem

(formerly Empire BCBS)

anthem.com

Anthem

(formerly Empire BCBS)

anthem.com

Carelon Resource Advisor
888-209-7840

carelonwellbeing.com

Wex

www.wexhealth.com

Cigna IdentityForce

Resolution Team:

(833) 580-2523

cigna.identityforce.com