Helping You Live Your Best Life
2025-2026 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 that 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, 2025 through June 30, 2026
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".
Before you enroll, let Nayya help.
We’ve teamed up with Nayya, a smart decision support tool in ADP, to make benefits selection easier and more personalized. During open enrollment, Nayya will guide you through your plan options and ask a few questions about your expected healthcare usage and spending. With this information, Nayya will recommend the best fit for your needs and budget. It takes less than 10 minutes, is confidential, and is built to help you make informed decisions. Log in to ADP during enrollment and let Nayya help you make informed choices with confidence.
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.
New Hire Enrollment
You are eligible to enroll in benefits on your date of hire.
Open Enrollment
Held annually during a specific span of time.
Special Enrollment
If you experience a Qualifying Life Event, you can change your benefits within the Special Enrollment Period which is within 30 days of the event.
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.
Helping You Live Your Best Life
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
High PPO
PPO
With a PPO medical plan, you have the choice of two benefit tiers: plan providers (in-network) and non-plan providers (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.
Base EPO
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
HDHP HSA
With a 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
Important Disclosures
The disclosures provide information about your health coverage, including details about your HIPAA special enrollment, limitations, exclusions, and COBRA coverage.
Helping You Live Your Best Life
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
Helping You Live Your Best Life
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.
Helping You Live Your Best Life
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
Helping You Live Your Best Life
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.
Coverage amount: 60% of your eligible earnings, up to a maximum benefit of $1,000 per week.
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
Helping You Live Your Best Life
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**
Annual Maximum contribution
Maximum pre-tax contribution is
$3,300 for 2025
Click here for a list of eligible Healthcare FSA expenses.
Eligible Expenses*
Most medical, dental, and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses, and doctor-prescribed over-the-counter medications) for you and your dependents.
Rollover: For the FSA plan year ending on 6.30.2025, you may rollover $640 of unused FSA funds into this new FSA plan year. You must submit claims by 9/30/2025. For the FSA plan year beginning on 7.1.2025 and ending on 6.30.2026, you will be able to rollover $660 of unused funds to the next plan year and will need to submit claims by 9/30/2026.
Dependent Care FSA (DCFSA)
Annual Maximum contribution
Maximum pre-tax contribution is
$5,000 per year
($2,500 if married and filing separate tax returns)
Click here for a list of eligible Dependent Care FSA expenses.
Eligible Expenses*
Dependent care expenses (such as daycare, after-school programs, or eldercare programs) so you and your spouse can work or attend school full-time. This account cannot be used for reimbursement of healthcare expenses for dependents.
Grace Period: You can still use unspent funds through September 15, 2026. Submit claims for expenses incurred during the 7.1.25-6.30.26 plan year by 9/30/2026.
Grace Period: For the DCFSA plan year that is ending on 6.30.2025, you can still use unspent funds through September 15, 2025. For the DCFSA plan year beginning on 7.1.2025 and ending on 6.30.2026, you can use unspent funds through September 15, 2026.
Commuter Benefits (Parking and Transit)
With Commuter benefits, you can set aside money on a before-tax and after-tax basis for eligible expenses incurred as part of your commute to work. There are three commuter accounts -parking, vanpool, and mass transit.
Maximum Contribution
$325 per month*
Pre-Tax Benefits
Reduces your taxable income
*Maximum amount to be deposited in the combined mass transit/vanpool account before tax is $325* 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.
Helping You Live Your Best Life
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
$1,000 per year
Employee coverage
$2,000 per year
Employee + dependents coverage
2025 HSA Annual Contribution Limits*
$4,300
For Individual coverage
$8,550
For all other coverage tiers
2026 HSA Annual Contribution Limits*
$4,400
For Individual coverage
$8,750
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.
Helping You Live Your Best Life
Identity Monitoring
Affordable Identity Protection You Can Count On
Your Anthem Life Benefits includes Free Identity monitoring
IDnotify 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 IDnotify customer care team is available 24/7at 1-888-883-1852.
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.
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Device security
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Identity alert with credit monitoring
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Social media monitoring
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Norton secure VPN
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Parental control
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Million-dollar protection package.
Click the button below to begin protecting yourself or your spouse from identity theft.
Helping You Live Your Best Life
HealthJoy
Do you like to…
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!
Simplify HealthCare with HealthJoy
Upward Health provides you with access to HealthJoy, an all-in-one benefits app designed to make healthcare simple, affordable, and stress-free. With HealthJoy, you have a personalized healthcare concierge at your fingertips-helping you navigate your benefits, find cost-effective care, and connect with the right providers, all in one easy-to-use platform.
Click on the + below for details within each section.
- Rx Savings Review – HealthJoy’s Concierge team does the heavy lifting, using a wide range of strategies to identify prescription drug savings, including researching and coordinating with a pharmacist and healthcare provider and help you receive the best price possible.
- Price Transparency - Need an MRI, Ultrasound, colonoscopy or lab work? HealthJoy researches options and finds high-quality, lower-cost providers and facilities so you can make smart financial decisions about your care.
- Appointment Booking – Let the HealthJoy Concierge team schedule your doctor visits or appointments at a facility.
- Provider Recommendations – Need a new provider or specialist? The HealthJoy Concierge team will find you high-quality, top-rated providers and facilities for your specific needs.
- Medical Bill Review – Confused by a charge? HealthJoy can spot errors and help dispute incorrect bills for you.
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Timely Reminders – HealthJoy helps you stay on track of scheduled and needed appointments, prescription refills, and wellness visits for you and your family, alleviating the worry.
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Access Benefits Wallet – HealthJoy’s easy-to-use platform provides your information in one place for your medical benefits. No need to go to numerous platforms.
- Ask Joy, Your Virtual Assistant – Need to know your copay or how much money have you have paid toward your deductible for example. Just ask.
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24/7 Concierge Support – For complex questions, a HealthJoy expert is always available to help with personalized benefits support and guidance.
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24/7 Telehealth – Skip the waiting room! Speak to a board-certified doctor, dermatologist, or pediatrician via phone or video—whenever you need it from the convenience of your own home for non-urgent healthcare.
Virtual Visit /
Medical Care*
$0 per visit
* Non life-threatening
Mental Health
$0 per visit
Dermatologist
$85 per visit
Nutrition
Counseling
$59 per visit
GLP - 1*
To Learn more about the GLP-1 program and to see if you qualify, click here
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You will receive a welcome email with a unique activation link, click on the link to go to HealthJoy and create your password.
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Download the HealthJoy app on your phone or tablet and log in. You may have to do this at home if downloads are restricted at the worksite. You can invite family members at this time and send them their own unique activation link.
If you are already a HealthJoy member, no need to do anything. HealthJoy will automatically renew.
Available in the Google Play and Apple App Store.
For more detail and information on downloading and activating watch this short HealthJoy video and review the flyer below.
Don't forget to setup your Health Profile, it will help HealthJoy keep you on track and organized.
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On your iPhone or iPad, open the Health app.
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If you're on your iPhone, tap the Summary tab, then tap your profile picture in the upper-right corner. If you're on your iPad, tap Profile in the upper-left corner.
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Tap Health Details, then tap Edit.
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Add your information, like your date of birth and blood type.
HealthJoy is secure and adheres to all privacy laws.
Helping You Live Your Best Life
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.
National Crisis Line
- Call or Text 988
- Chat 988lifeline.org
- TTY Users, dial 711 then 988
- 1-800-273-TALK (8255)
General Resources
Substance Use Disorders
Help Lines
- American Psychiatric Association:
1-888-35-PSYCH (77924) - APA Public Education Line:
1-800-964-2000 - APA Public Education Line:
1-800-964-2000
Support Groups
Local Resources
Connects you with free or reduced-cost resources for support with a variety of needs like care, education, food & goods, health, housing, legal, financial, work, and transit.
Helping You Live Your Best Life
Cigna Mental Health Resources
These resources are available to employees enrolled in a Cigna medical plan.
Your Mental Health Matters
In today’s fast-paced world, taking care of your mental health is more important than ever. We are committed to supporting you with a range of mental health benefits, tools, and resources designed to help you thrive both personally and professionally. From confidential counseling services to mindfulness apps and stress management programs, we provide the support you need to maintain a healthy work-life balance. Your mental wellbeing is a priority, and we’re here to help you every step of the way.
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.
Helping You Live Your Best Life
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
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.
Perks At Work
As an Anthem Life member, save on electronics, restaurant certificates, gym memberships, weightloss programs, glasses and contacts, nutritional supplements, travel, sporting event ticket—even save on buying your next car.
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
With your Cigna Health Plan, you now have access to personal nutrition support that fits your life and your goals. Get guidance from a registered dietitian, explore simple tools to help you eat well every day, and discover ways to save on groceries — all at no cost to you. From personalized meal plans to grocery delivery and thousands of easy recipes, everything you need is right at your fingertips.
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:
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One-on-one support
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Smart scale
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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.
Helping You Live Your Best Life
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.
World Account Team
World Account Team
Vision
Life and Disability
EAP
Anthem Resource Advisors
888-209-7840
