Health Benefits
Be healthy. Choose wisely.
Medical
Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members become sick or injured. The medical plans available to you include a range of coverage levels and costs, giving you the flexibility to select the plan that is right for you.
| Start with standard coverage: | Then, you may choose to add: |
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| Medical plans Coverage that’s required as part of the Affordable Care Act (ACA). When enrolling in one of these plans, you’ll also have a choice of insurance carrier networks. Choose from:
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Supplemental medical plans Supplements your medical plan to protect you from significant or unexpected out-of-pocket expenses. On their own, they don’t provide the level of medical coverage needed to meet ACA requirements. Choose from:
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COVERING DEPENDENTS
You must provide documentation verifying the eligibility of any new dependents you want to cover under your Kindred benefits. For more information on eligibility verification and deadlines, read important information about covering dependents.
RIGHT TO APPEAL
If you miss a deadline you may have the opportunity to submit an appeal within 60 days of the coverage effective date or the date your rate increases as a result of a missed wellness program deadline. Please see the Benefits Enrollment/Wellness Appeal Request Form cover sheet found on the Resource Center page of the Kindred Benefits Marketplace for more details.
As part of the ACA, most Americans must have medical insurance or pay a federal tax penalty. Be sure you’re covered, either through your employer-sponsored plan or through another option available to you, such as your spouse’s employer plan or a government program like Medicare or Medicaid.
You have access to a Summary of Benefits and Coverage (SBC) for each of your medical plan options. These documents provide detailed information about coverage and costs to help you compare plans and make informed decisions. To access the SBCs, visit the Kindred Benefits Marketplace website.
You can make changes to your selection up until the enrollment period ends. After the enrollment deadline, you may be able to make changes to some of your benefits in certain situations. Learn more.