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 regularly scheduled to work at least 20 hours per week to receive benefits from Enjoy. Benefits are effective on the first of the month coinciding or following your date of hire.




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 benefits enrollment process:
  • Verify your information
  • Add/remove dependents
  • Select other Benefits
  • Make applicable account contributions
  • Accept basic life/disability benefits
  • Select commuter benefit & make contributions
  • Provide final verification and sign-off




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.




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 on Lumity within 30 days of your hire date. Review your new hire enrollment checklist here.




Are my dependents eligible for coverage?


Your spouse or domestic partner as well as your children are eligible for benefit coverage through Enjoy. Click here to learn more.





Medical and Prescription Drug Plans

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


Visit the medical plan page for additional details about your coverage.




Will I receive a new medical ID card?


Yes, you will receive a new ID card if you enroll in an Aetna plan for 2022. Your ID card will also show your Aetna Network name. If you enroll in the Kaiser HMO plan for 2022 for the first time, you will receive 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 Aetna, you can order a new ID card by going to www.Aetna.com. From the home page, click on "ID Card" then "Medical Temporary Identification". The ID card will appear and you can print the identification information. 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 see which doctors are available in Aetna's network?


As an Aetna member, your Aetna network name may differ depending on your region; however, you have the same access to quality care and providers. To find which network you belong to, visit the medical page and click on your state to see how to find Aetna providers in your area.




What are the key features of the Aetna Managed Choice PPO plan?


The Aetna Managed Choice 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 Aetna Managed Choice PPO plan design utilizes both copayment and coinsurance.




What are the key features of the Aetna Managed Choice PPO + HSA plan?


The Aetna Managed Choice PPO + 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 Aetna Managed Choice PPO + HSA plan is coinsurance based and can be combined with a Health Savings Account (HSA). The Aetna Managed Choice PPO + HSA plan provides medical coverage with the lowest monthly contribution requirement. Similar to the Aetna Managed Choice 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 Aetna Managed Choice PPO + 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 Aetna Managed Choice PPO + 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 WEX 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 2022, your annual contribution limits are $3,650 for self-only coverage and $7,300 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 WEX Customer Service at 866-451-3245 or you can email customersercie@wexhealth.com. You can manage your account online at www.wexinc.com/solutions/benefits.




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.




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.




What medical plans are available to me in 2022?


Depending on where you reside, you may be eligible to enroll in the following medical plans in 2022: 1. Aetna Managed Choice 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. Depending on your location you may either be in the OAMC POS Network or the OC PPO Network, both networks offer the same quality providers at the same coverage levels. Visit the medical page to find your network. Your network name will also be on your Aetna Medical ID card. 2. Aetna Managed Choice PPO+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. Depending on your location you may either be in the OAMC POS Network or the OC PPO Network, both networks offer the same quality providers at the same coverage levels. Visit the medical page to find your network. Your network name will also be on your Aetna Medical ID card. 3. Aetna EPO Plan – this plan is a Exclusive Provider Organization plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits. However, you are not required to obtain PCP (Primary Care Physician) referral in an EPO. If enrolled in this plan, you will utilize the EC EPO Network. An Out-of-Area plan is available to those who live in AK, ID, MT, ND, NM, OH, SD, VT and WY. See details on the medical page. If enrolled in this plan, you will utilize the OC PPO Network. 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 PPO, HSA, EPO or HMO. Visit the medical page for plan details.




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 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 Kaiser.




What is a PCP?


PCP is an abbreviation used to refer to primary care physicians or primary care 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 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.




Can I enroll in the Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA)?


If you enroll in the Aetna Managed PPO, Aetna EPO or Aetna EPO Out-of-Area or Kaiser HMO plans, you may enroll in the Health Care Flexible Spending Account (FSA). However, to enroll in the Health Savings Account (HSA), you must be covered by a qualified High Deductible Health Plan (HDHP), which is the Aetna Managed Choice PPO+HSA plan.




How can I find out if my prescription drug is covered under Aetna?


Review how your prescription drug is covered under the Aetna plans - generic, preferred brand and non-preferred. Use the search tool at https://client.formularynavigator.com/Search.aspx?siteCode=4701108464




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 https://healthy.kaiserpermanente.org/doctors-locations and select your region.




I understand that Enjoy is changing the medical carrier to Aetna for 2022, am I eligible for Transition of Care? What do I need to do?


Some medical conditions are eligible for Transition of Care (TOC) until a safe transfer to an Aetna health care professional can be arranged. TOC gives new Aetna members the option to request extended coverage for your current, out-of-network health care provider at network rates for a limited time. Examples of common medical conditions that may qualify for TOC include (but are not limited to):

  • Pregnancy
  • Ongoing chemotherapy or radiation therapy
  • Transplant
  • Previously scheduled major surgeries
Routine care, chronic conditions, minor illnesses and elective surgeries do not qualify for TOC. You will need to download and complete the TOC form and then submit it to Aetna. Please register on the Aetna website so that you can submit the completed TOC form by clicking on the envelope icon next to your name on the upper righthand side of the page. You will be taken to the Message Center where you can click on New Message and upload the completed TOC form as an attachment and submit. You can also fax the completed TOC form to either: Medical requests: 859-455-8650 Mental Health/Substance requests: 888-463-1309 All applicants will be evaluated by Aetna based on a medical necessity determination and formal prior authorizations requirements.





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?


Review your 2022 rates here. 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 The Hartford 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.)
If an employee or spouse/domestic partner needs to complete Evidence of Insurability (EOI) an email will be sent your your @enjoy.com email address with instructions on how to go online to complete the process. The email from @thehartford will come to you whether the EOI is for you or your spouse/domestic partner with instructions on how to securely log into the system and provide responses to the medical questions. Upon submission, you will know immediately if you are Approved, Declined or Pended for additional information. If additional information is requested, you will receive a letter from The Hartford mailed to your home with additional details. Keep in mind, you only have 60 days from your initial notification email to submit EOI. If the EOI process is started, but not completed or not completed at all during the 60 day period, two reminders will be sent to your email. There will be no additional time provided beyond the initial 60 day window. Please note, dependent children do not need to go though EOI.




What if I have additional, specific questions?


Visit https://www.thehartford.com/employee-benefits or call The Hartford at 1-888-563-1124.





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 Aetna. You may receive ten 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.





Transition to Aetna

If I have a claim incurred in 2021, how long do I have to submit to Cigna?


Cigna will give you extra time to submit an eligible claim incurred in 2021. If the claim is regarding an in-network expense, you have 12 months to submit to Cigna (12/31/22). If the claim is out-of-network, you have 180 days (6/30/22) to submit.




Will Cigna send any additional information to my home around submission dates for claims?


No, Cigna will not send any personalized communication regarding the cut-off-date for submitting claims incurred in 2021. Please keep the above dates in mind and submit any expenses incurred in 2021 as soon as possible.




When will I receive my Aetna medical ID card?


You can expect to receive your new Aetna ID card in the mail before 1/1/22. If you don't receive it, you can use the Aetna App to find a digital copy of your Aetna card.




Am I eligible for Transition of Care?


Some medical conditions are eligible for Transition of Care (TOC) until a safe transfer to an Aetna health care professional can be arranged. TOC gives new Aetna members the option to request extended coverage for your current, out-of-network health care provider at network rates for a limited time. Please be aware that transition of care allowance will vary by condition, but typically Aetna allows the transition to last 90 days (1/1/2022 - 3/31/2022). Examples of common medical conditions that may qualify for TOC include (but are not limited to):

  • Pregnancy
  • Ongoing chemotherapy or radiation therapy
  • Transplant
  • Previously scheduled major surgeries
Routine care, chronic conditions, minor illnesses and elective surgeries do not qualify for TOC. You will need to download and complete the TOC form beginning 12/15/21 and then submit it to Aetna. Please register on the Aetna website ( www.aetna.com) so that you can submit the completed TOC form by clicking on the envelope icon next to your name on the upper righthand side of the page. You will be taken to the Message Center where you can click on New Message and upload the completed TOC form as an attachment and submit. You can also fax the completed TOC form to either: Medical requests: 859-455-8650 Mental Health/Substance requests: 888-463-1309 All applicants will be evaluated by Aetna based on a medical necessity determination and formal prior authorizations requirements.




I have prescription drugs through Cigna, do I need to take any action?


You may need to take action to have your medication transition to Aetna. Mail Order Drugs If you currently have a mail order prescription with Cigna, your mail order or specialty prescription will not automatically be transferred to Aetna. You will need to contact your doctor to obtain a new prescription. Make sure you have enough medication on hand as you go through the process of transitioning to Aetna. Pre-certification for Aetna medications You can find out if your current medication requires pre-certification through the pharmacy search tool link: Aetna Pharmacy Search Tool. You can also call Aetna’s Concierge Service Team at 833-382-2210 Transition Refills In the first quarter of 2022, you will be able to receive a one-time refill for any non-specialty prescription medication you take that requires pre-certification or step-therapy. Refills are be limited to 30 days for retail or 90 days for mail order prescriptions. A transition fill letter will be mailed to you within 3-5 business days from the date the transition fill claim is processes by your pharmacy. The letter will inform you of any covered medication alternatives you can take.





Ready to make your elections?