Frequently Asked Questions

Below you will find answers to the most common questions about the benefits at Enjoy, including Medical Plans, Dental and Vision coverage, Voluntary Life and AD&D, and other benefit programs.

Enrollment

Do I need to meet specific requirements to receive the benefits?


Yes. You must be an active employee working a minimum of at least 20 hours per week to receive benefits from Enjoy.




How do I make my elections?


Follow the steps below to make your election:

  1. Log into your Lumity dashboard.
  2. Lumity’s platform will take you step-by-step through the following stages of submitting your enrollment:
  • Verifying your information
  • Add/remove dependents
  • Selecting other Benefits
  • Making applicable account contributions
  • Accept basic life/disability benefits
  • Select commuter benefit & make contributions
  • Final verification and sign-off




Who is Lumity?


Enjoy partners with Lumity to provide the benefit administration system where you will make your benefit elections. Lumity also provides customer service and ongoing enrollment support through the year.




How can I find out which plan I am currently enrolled in?


You can review your current benefits at any time by logging on to the Lumity dashboard and clicking on “My Benefits” button.




What do I have to do to change benefits if I experience a qualifying life event?


You will not be able to change your election, unless you experience a qualifying life event (for example, marriage or birth of a child). If you do experience a qualifying life event, please:

  • Log into your Lumity dashboard.
  • Click the “Benefit” on the right side of your dashboard and then click on "Life Event"
  • Select which qualifying event suits your situation. You’ll have to provide documentation as proof.
  • Make changes to your benefits enrollment.
  • Submit your updated elections.
Lumity will review your documentation and approve your changes, or reach out to you for additional information. In either case you will receive an email at your @Enjoy e-mail address.




Whom can I contact for assistance?


Contact support@lumity.com or call (844) 2-LUMITY or (844) 258-6489.




Why does Lumity's enrollment platform look different during this Open Enrollment?


Lumity has upgraded its enrollment platform to improve user experience and to enable its mobile app for Enjoy employees. Functionalities remain unchanged.




I'm recently hired and would like to sign up for benefits at Enjoy. What do I need to do?


If you are a recent hire and would like to sign up for benefits at Enjoy, you need to make benefit elections within 30 days of your hire date. You can review an enrollment checklist on Enjoy's Benefits Website located in "New Employees: how to enroll" under "Overview" on the Home page.





Medical and Prescription Drug Plans

How do I find out more details about each medical plan?


Please see the visit the medical plan page for additional details about your coverage.




Will I receive a new medical ID card?


If you enroll in the Cigna medical plan for 2021, you will be receiving a new ID card from Cigna. If you enroll in the Kaiser HMO plan for 2021 for the first time, you will be receiving a new ID card from Kaiser. You can keep your medical ID cards with you at all times by downloading the Lumity app. The app is available on both iOS and Android systems.




If I lost my ID card, how do I obtain a replacement card?


For Cigna, you can order a new ID card by going to myCigna.com and clicking on “Print or Request ID Cards” on the bottom of the homepage, or by calling (800) 478-7557. For Kaiser, you can order a new ID card by going to kp.org and signing in. On the top of the homepage, you can click on “Coverage & Costs” and then scroll down to find “Helpful Resources” on the right-hand side. Under “Helpful Resources” is a link to “ID Card Help” with instructions on how you can order a new ID card.




How can I check if my doctor is in Cigna’s network?


If you are a current Cigna member, log into your myCigna.com account to see whether your provider is in-network.

If you are considering enrollment in a Cigna plan for the first time and would like to see if your current doctor is in-network, please follow these steps:

  1. Visit Cigna’s Website: Cigna.com

  2. In the top right corner of the website, choose “Find a Doctor, Dentist or Facility”

  3. When asked “How are you Covered?” choose “Employer or School”

  4. Enter the Address, City or Zip Code of the doctor

  5. Next, choose to search one of three ways:

    • Select “Doctor by Type” and enter a specialty or type of doctor

    • Select “Doctor by Name” and enter the doctor’s name in the search field

    • Select “Locations” and enter the health care facility name or type you are looking for (such as Urgent care, behavioral, chiropractor, lab)

  6. When prompted, choose “Continue as guest”. Do NOT sign into your Cigna account, as this will only show providers in your current plan’s network and not the network you are considering for open enrollment.

  7. Verify home city and choose “Continue”. Do NOT select “continue without a plan” since different plans might have different in-network providers.

  8. If you would like to enroll in Cigna OAP 2000 HSA plan, choose “Open Access Plus”.

  9. If you would like to enroll in Cigna OAP 500 PPO plan, choose “Open Access Plus”.

  10. If you would like to enroll in Cigna HMO plan (available in 2021), choose “HMO, Network” option corresponding to your home city. For example, someone in San Francisco would choose “Northern CA”.

  11. If you would like to enroll in Cigna OAP IN EPO plan (available in 2020 and not in 2021), choose "Open Access Plus".

  12. Once you have selected one of the above networks you will see a list of providers.

You can also contact Cigna and ask for assistance:

  • Pre-enrollment phone number: 888-806-5042

  • Post-enrollment phone number: 800.CIGNA24 or Number on the back of your ID card

Note that enrollment in the Cigna OAP IN EPO in 2020 or Cigna HMO plan in 2021 is limited to certain states.




How can I see which doctors are available in Kaiser’s network?


If you are enrolled in Kaiser, you need to see Kaiser doctors only. You can find a Kaiser doctor by going to www.kp.org and click on “Doctors and Locations” to browse the online doctor profiles.




What are the key features of the Cigna OAP 500 PPO plan?


The Cigna OAP 500 PPO plan allows you more flexibility in choosing providers to deliver care to you and your family. However, your costs will be higher if you utilize an out-of-network provider. The Cigna OAP 500 PPO plan design utilizes both copayment and coinsurance.




If I enroll in the Cigna OAP 500 PPO plan, can I enroll in the Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA)?


You may enroll in the Health Care Flexible Spending Account (FSA) if you are enrolled in the Cigna OAP 500 PPO plan. However, to enroll in the Health Savings Account (HSA), you must be covered by a qualified High Deductible Health Plan (HDHP), which is the Cigna OAP 2000 HSA plan.




What are the key features of the Cigna OAP 2000 HSA plan?


The Cigna OAP 2000 HSA plan has a high deductible requirement. This plan requires members to pay out-of-pocket for everything other than preventive care until the deductible is met, after which the plan begins to cover a portion of the expenses. The CIGNA OAP 2000 HSA plan is coinsurance based and can be combined with a Health Savings Account (HSA). Although Cigna provides the medical coverage, you will access your Health Savings Account through Discovery Benefits. The Cigna OAP 2000 HSA plan provides medical coverage with the lowest monthly contribution requirement. Similar to the Cigna OAP 500 PPO plan, you are not limited to seeing in-network providers only; however, your cost will be less if you do utilize an in-network provider. You will also save more money if you utilize the HSA.




What is a Health Savings Account (HSA)?


A Health Savings Account (HSA) is an individually owned account that allows you to set aside tax-free dollars for medical, dental, and vision expenses. HSAs provide a triple-tax advantage:

  • You can deposit money tax-free
  • The account will grow tax-free until you use it
  • Your withdrawals are tax-free when used on qualified expenses.
Unlike an FSA, the HSA account is owned solely by you and is portable - your funds will carry over from year to year even if you change coverage or jobs. You can use funds from your HSA to pay for current health expenses, save for future qualified medical and retiree health expenses, and/or invest HSA contributions. After age 65, you can spend HSA money on unqualified expenses without paying a 20% tax penalty, but you are subject to applicable income taxes Note that Enjoy contributes $50 per month to your HSA.




Can I have both FSA and HSA at the same time?


You are not eligible for an HSA if you have other health care coverage including coverage under a General Purpose Health FSA. You are not allowed to be enrolled in HSA and General Purpose Health FSA in the same year. You are allowed to be enrolled in HSA and Limited Purpose Health FSA in the same year. The Limited Purpose FSA may be used to reimburse yourself for dental and vision expenses only.




What is the contribution from Enjoy to my HSA if I enroll in the Cigna OAP 2000 HSA plan?


Enjoy contributes $50 per month to your HSA, regardless of whether you are enrolled in coverage covering yourself only or yourself and dependents.




If I enroll in the Cigna OAP 2000 HSA plan, when will I receive Enjoy’s contribution to my HSA?


You will receive Enjoy’s contribution to your HSA on your second pay date in January. Thereafter, you will receive the prorated contribution on a per pay period basis. Enjoy's HSA contribution is $25 per paycheck for the first two paychecks of the month. Third paycheck, when it occurs, does not contain HSA employer contribution.




How can I contribute to my HSA?


You can contribute to your HSA by the following two methods:

  1. Automatic payroll deductions – funds are moved from your paycheck, tax-free, into your HSA account based on the amount you elect.
  2. Direct contributions – you can choose to add funds to your HSA at any time; however, these contributions will not be tax-free and they can be deducted on your tax return. In order to do a direct contribution, follow instructions and complete Discovery Benefit’s Health Savings Account Contribution Form.




How much can I contribute to my HSA?


The IRS limits the amount the employees can contribute to their HSA. For 2021, your annual contribution limits are $3,600 for self-only coverage and $7,200 for family coverage. Note that these limits include both your contributions and Enjoy’s contribution to your HSA. Enjoy contributes $50 per month to your HSA ($600 annually if you are employed by Enjoy for the entire year). This contribution amount applies regardless of whether you are enrolled in coverage covering yourself only or yourself and dependents.




Whom can I contact for assistance with the Health Savings Account?


Contact Discovery benefits at 877-451-3399 or at customerservice@discoverybenefits.com.




What are the differences between brand name medications and their generic alternatives?


Generic medications have the same strength and active ingredients as their brand name counterparts.They are sold under the chemical or scientific name of the medication instead of the manufacturer’s patented brand name. Generic medications may differ from their brand name counterparts in shape, packaging, color, flavor, preservatives, expiration time and, sometimes, labeling. The U.S. Food and Drug Administration (FDA) requires that all medications, both brand name and generic, meet the same requirements for quality, strength, purity and potency. The FDA only approves generic medications that have the same active ingredients and work the same way in the body as their brand name counterparts. Generic medications are covered in Enjoy’s medical plans with a lower copay.




Medications can be complicated and expensive. I'm enrolled in the Cigna medical plan. Are there tools available to help me?


The following resources can help you get the most out of your Cigna medical plan: 1. Learn what medications are covered effective January 1, 2021.You can save money by checking out the list of medications covered under your plan on myCigna.com. The amount you pay depends on whether your medication is listed as generic, preferred brand, non-preferred brand, or specialty medication. To view the list of preferred drugs, go to www.Cigna.com/druglist. Then, scroll down to the section “Select A Drug List” and select “Value 3 Tier” from the drop-down menu. 2. Use the Drug Cost Tool. You can view medication costs, see if there are lower cost alternatives, and compare prices between Cigna Home Delivery Pharmacy and retail pharmacies. (Note that this tool provides general comparison only. Prices are not guaranteed.) To use the tool:

  • Log in to myCigna.com online or through the app
  • Choose Pharmacy, then Get Drug Costs
  • Enter the medication name and dosage
  • Select pharmacies near you to compare costs
3. Use Cigna Home Delivery Pharmacy. Cigna Home Delivery Pharmacy is a convenient mail order pharmacy that delivers up to 90-day supply of maintenance medications to your home or work. You will pay less in copay if you are able to use Cigna Home Delivery Pharmacy. 4. Get help with specialty medications. Call Cigna Specialty Pharmacy Services at 800-351-3606 to talk with an expert on your condition.




What are the key features of the Kaiser HMO plan?


The Kaiser HMO plan provides coverage for services delivered by Kaiser providers only, and is available to employees who live in the Kaiser plan service area zip codes. The plan is currently a copay style plan - you do not need to meet a deductible before the plan takes part in cost sharing. You need to live within the plan service area zip codes to be eligible to sign up for the Kaiser HMO plan. If you are eligible, you will see the Kaiser HMO plan as an option when you access Lumity’s platform to make your election.




How do I get care if I enroll in Kaiser? Can I see out-of-network providers?


If you are enrolled in Kaiser HMO, you may obtain care from Kaiser physicians only (unless you have a life- threatening emergency for which you should go to the nearest hospital). Kaiser requires that you select a primary care physician (PCP) to coordinate your care with other specialists. There are many ways for you to obtain care from Kaiser physicians:

  • 24/7 appointments and advice
  • Same day or next day urgent care appointments
  • In-person, phone or video visits available
  • Email your doctors
More information is available on www.kp.org to help you navigate care delivery within Kaiser.




How do I obtain prescription drug if I enroll in Kaiser?


When you first enroll in Kaiser, you can call Kaiser or go online at www.kp.org to transition your prescriptions from your current pharmacy to Kaiser: Kaiser California: (800) 464-4000 Kaiser Northwest: (888) 491-1124 Kaiser Washington: (888) 901-4636 Once you’re enrolled in Kaiser, your Kaiser physicians will prescribe medications that you can obtain at the Kaiser pharmacy.




If I enroll in the Kaiser HMO plan, can I enroll in the Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA)?


You may enroll in the Health Care Flexible Spending Account (FSA) if you are enrolled in the Kaiser HMO plan. However, to enroll in the Health Savings Account (HSA), you must be covered by a qualified High Deductible Health Plan (HDHP), which is the Cigna OAP 2000 HSA plan.




What medical plans are available to me in 2021?


Depending on where you reside, you may be eligible to enroll in the following medical plans in 2021: 1. Cigna HMO Plan – this plan is an Health Maintenance Organization (HMO) plan that covers services from in-network providers only. This plan requires employees to select a primary care physician (PCP) to coordinate care. (Note that this plan is not available to employees residing in AL, ID, IA, MN, MT, NE, ND, PR, SD, TX, and WY due to state requirements. A Cigna OAP Out-of-Area plan with similar coverage is available for employees in these states.) 2. Cigna OAP 500 PPO Plan – this plan is a Preferred Provider Organization (PPO) plan that covers services provided by both in-network and out-of-network providers nationwide. The plan provides higher benefits if you utilize in-network providers. 3. Cigna OAP 2000 HSA Plan – this plan is a high deductible PPO plan with Health Savings Account (HSA). It covers services provided by both in-network and out-of-network providers nationwide, and it allows you to save money through the HSA. 4. Kaiser HMO - if you live in Kaiser’s service areas in California, Oregon or Washington, you also have an option of enrolling in Kaiser HMO. Contact Lumity to find out if you are eligible to enroll in Kaiser. You may see these plans referred to simply as EPO, PPO, HSA or HMO. For Enjoy employees, Cigna uses the provider network named Network for the Cigna HMO plan and Open Access Plus (OAP) for the Cigna OAP 500 PPO Plan and the Cigna OAP 2000 HSA Plan to provide health care services.




Do I need a referral from my primary care physician (PCP) to see a specialist?


In general, you are required to obtain a referral from your PCP to see a specialist if you are enrolled in the Cigna HMO plan or Kaiser HMO plan. This includes any specialist you are currently seeing for ongoing care or for new patient visits. Visits to a specialist without a PCP referral may be denied by Cigna or Kaiser.

Under the Cigna HMO plan, there are some exceptions:

  • Well-woman exams with an OB/GYN do not require a referral
  • Behavioral health provider visits do not require a referral.




What are the key features of the Cigna HMO Plan?


The Cigna HMO plan provides coverage for in-network services only, and is available to employees who live in the HMO plan service area zip codes. The plan is currently a copay style plan - you do not need to meet a deductible before the plan takes part in cost sharing.

When you join the Cigna HMO plan, you will be asked to choose a PCP who will oversee your care. You will be required to obtain a referral from your PCP before you can get care from a specialist.

The Cigna HMO plan is not available to employees residing AL, ID, IA, MN, MT, NE, ND, PR, SD, TX, or WY due to state requirements. A Cigna OAP Out-of-Area plan with similar coverage is available for employees in these states.




What is a PCP?


PCP is an abbreviation used to refer to primary care physicians or primary car providers. There are many types of providers that can be considered a PCP, such as internal medicine, family practice, general practice, pediatrician, certain nurse practitioner or physician assistant, etc.

When you join the Cigna HMO or Kaiser HMO plan, you will be asked to choose a PCP who will oversee your care. You will be required to obtain a referral from your PCP before you can get care from a specialist.




I’m interested in enrolling in the Cigna HMO plan. When do I have to select a PCP, and how can I locate one?


When you’re ready to enroll in the Cigna HMO plan, you will need to log into Lumity to make your election. The system will ask you to enter the name and the ID number of your PCP.

To locate an in-network PCP and his/her ID number:

  1. Visit Cigna’s Website: Cigna.com
  2. In the top right corner of the website, choose “Find a Doctor, Dentist or Facility”
  3. When asked “How are you Covered?” choose “Employer or School”
  4. Enter the Address, City or Zip Code of the doctor, dentist or facility
  5. Select “Doctor by Type”
  6. Select “Primary Care Provider (PCP)” from the drop-down menu
  7. When prompted, choose “Continue as guest”. Do NOT sign into your Cigna account, as this will only show providers in your current plan’s network and not the Cigna HMO network you are considering for open enrollment.
  8. Verify home city and choose “Continue”. Do NOT select “continue without a plan” since different plans might have different in-network providers.
  9. Choose “HMO, Network” option corresponding to your home city. For example, someone in San Francisco would choose “Northern CA”.
  10. You will now see a list of primary care providers in your location. To find the PCP ID number, select: “Get PCP ID #”. (If you use your smart phone, you first need to click on “View more information” to be able to see “Get PCP ID #”.)

You can also contact Cigna and ask for assistance:

  • Pre-enrollment phone number: 888-806-5042
  • Post-enrollment phone number: 800.CIGNA24 or Number on the back of your ID card

If you do not select a PCP during enrollment, Cigna will designate one for you. The name of your PCP will be printed on your ID card.




How do I know if I am eligible to sign up for the Cigna HMO plan?


You need to live within the Cigna HMO plan service area zip codes to be eligible to sign up for this plan. If you are eligible, you will see the Cigna HMO plan as an option when you access Lumity’s platform to make your election.

The Cigna HMO plan is not available to employees residing AL, ID, IA, MN, MT, NE, ND, PR, SD, TX, or WY due to state requirements. A Cigna OAP Out-of-Area plan with similar coverage is available for employees in these states.




If I enroll in the Cigna HMO plan, can I enroll in the Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA)?


You may enroll in the Health Care Flexible Spending Account (FSA) if you are enrolled in the Cigna HMO plan. However, to enroll in the Health Savings Account (HSA), you must be covered by a qualified High Deductible Health Plan (HDHP), which is the Cigna OAP 2000 HSA plan.




I am interested in enrolling in the Cigna medical plans. How can I find out if my prescription drug is covered under the Cigna medical plans in 2021?


You can find out if your prescription drug is covered under the Cigna medical plans by visiting the Cigna website:

  • Visit www.Cigna.com
  • Scroll to the bottom of the website and click on “See Prescription Dug List”
  • Click on “You can also view the Cigna Drug lists that will be available on 1/1/2021”
  • Choose Cigna’s “Value 3 Tier” Prescription Drug List
  • Search for the Prescription Drug Name.





Dental Coverage

Will I receive a dental ID card?


Your digital ID card is available online and by downloading the Delta Dental mobile app after you are enrolled. You can register for your Online Services account at deltadentalins.com, and then log in. The ID card may be used for all family members. You can also access your dental ID card on Lumity app. The app is available on both iOS and Android systems.




What is the difference between Delta Dental PPO, Delta Dental Premier and non-contracted dentists?


The major differences are:

  • Delta Dental PPO dentists: Visiting a PPO dentist provides you with the greatest cost savings because they usually charge the lowest contracted fees.
  • Delta Dental Premier dentists: Premier dentists also contract with Delta Dental, but their fees are typically not as low as PPO dentists.
  • Non-contracted (non-Delta Dental) dentists: When you visit a non-contracted dentist, there are no fee protections. This means that the non-contracted dentist may ask you to pay the difference between the dentist’s charges and Delta Dental’s maximum fee allowance. You are responsible for the payment at the time of your visit and the Plan reimbursement will be made to you directly.




How do I find a Delta Dental PPO or Premier dentist?


You can find a PPO or Premier dentist by going to “Find a Dentist” at deltadentalins.com or using Delta Dental’s mobile app. Choose the PPO or Premier network and search for an in-network dentist near your home or workplace.




How can I learn more about how much my treatment will cost or find less costly dentists?


After you are enrolled in the plan, register online at deltadentalins.com and click on Explore My Costs next to your name. Then follow the prompts.




I’d like my dentist to join Delta Dental. What should I do?


You can recommend your dentist for Delta Dental PPO network participation using the online form at deltadentalins.com. Delta Dental will review the recommended dentist’s background, and, if appropriate, send an invitation to the dentist to join the network. The dentist will decide whether to join based on a variety of factors, including accepting a (usually) more moderate fee schedule.




What if I have additional, specific questions about my dental coverage?


You can submit an inquiry online at deltadentalins.com/about/contact or call Delta Dental Customer Service at 800-765-6003.





Vision Coverage

Will I be receiving a vision ID card?


VSP does not provide ID cards. Your provider will look you up by your Social Security Number.




How do I determine if my current provider is in-network?


You can check www.vsp.com to find an in-network doctor.




What if I have additional, specific questions?


Call VSP Customer Service at 800-877-7195.





Voluntary Life & AD&D

Why should I purchase voluntary life/AD&D?


Voluntary life/Accidental Death & Dismemberment (AD&D) are great options if you decide you want more protection beyond the basic coverage that Enjoy provides. Obtaining voluntary life/AD&D coverage through Enjoy is easier than purchasing individual life coverage on your own. You do not need to provide as much details about your health history that you may need to provide if you were to purchase individual life coverage.




Who pays for the coverage?


Enjoy provides basic life/AD&D coverage at no cost to you. Any additional coverage is entirely voluntary and paid 100% by you through payroll deductions, should you choose to elect into the plan.




Can I elect coverage for my dependents without electing coverage for myself?


No, you must elect voluntary life/AD&D coverage for yourself in order to elect voluntary life/AD&D coverage for your dependents.




How much will I pay towards these plans?


lease see the rates in the table below. Please note that you should use your age (not your spouse’s) to calculate coverage for the spouse voluntary life plan.




What happens if I do not elect coverage during this time? Will I get an opportunity to elect coverage again?


If you do not elect coverage within this Open Enrollment period, you will need to wait until the next annual enrollment period to elect coverage. You will be required to complete an “Evidence of Insurability” for any amount of coverage requested during annual enrollment, as you will be considered a "late applicant."




What is Guaranteed Issue?


The “guaranteed issue amount” is the amount of coverage you can obtain without needing to provide proof of good health (Evidence of Insurability).




What is Evidence of Insurability (EOI)? When is it needed? How do I submit it?


Evidence of Insurability, also known as “evidence of good health” is the process by which Unum determines if you are healthy enough to be considered eligible for the amount of insurance coverage for which you are seeking. You need to complete an EOI form in the following situations:

  • You decline to purchase the coverage during this Open Enrollment when the plan is first made available to you, and then you decide to purchase it later
  • You want to increase existing coverage
  • You want to increase the coverage amount higher than the Guaranteed Issue. (Please note that dependent children are not required to submit Evidence of Insurability.)
Here is some information you may need to gather some information in order to complete the EOI form:
  • Group policy number: 651695
  • Your location
  • Coverage amounts for yourself and for any dependents you are including in your application
  • Your height
  • Your weight
  • Recent medical history for you and any dependents you are including in your application
When you go to Lumity’s site to enroll, you will see instructions on how to complete the EOI form. After Unum reviews your EOI form, Unum will make the decision:
  • Approved: Your coverage will go into effect on the date of approval (you will not be billed for coverage through payroll deductions until 1st of the month following this date)
  • Pended: Unum needs more information from you before they will make a decision, and they will be in touch with you to ask you for the information
  • Denied: Your request is denied by Unum. If you feel additional information may result in a favorable decision and would like your application reconsidered, you can submit supporting documentation to Unum which will be outlined in the letter you receive.




What if I have additional, specific questions?


Call Unum Customer Service at (866) 679-3054.





Other programs

I heard that Enjoy is going to offer a discounts program. What is it about?


Enjoy has partnered with BenefitHub to provide you with discounts, local deals and cash back. You can potentially save hundreds of dollars on a wide selection of products and services such as fitness centers, hotels, theme parks and many others. Go to www.enjoy.benefithub.com and use the referral code “ UNY8UV” to check out your options.




Does Enjoy offer the Employee Assistance Program?


Yes. Enjoy offers the Employee Assistance Program (EAP) through Cigna. You may receive five face-to-face visits with clinicians per occurrence, with no charge to you, for issues such as stress, anxiety, depression, family issues, workplace issues, etc.




What is a Business Travel Accident (BTA) plan? Who is paying for this coverage?


The BTA plan provides accidental death and dismemberment benefits for employees while traveling on company business. Enjoy covers 100% of the cost of this coverage on behalf of all employees. Chubb, Enjoy’s new BTA provider, also provides 24-hour telephone access to the Chubb Assistance Network for medical and travel assistance worldwide. Please see the benefit summary for more information on the coverage level.





Ready to make your elections?