Your 2027 Benefits

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What You Need to Know

Review Changes for 2027

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Benefit Options

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How to Enroll

Know When and How to Enroll

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Helpful Resources

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Save the Date!

Open Enrollment is Coming Soon

Open enrollment is your annual opportunity to review your current coverage and make changes for the upcoming plan year. This year’s enrollment period will run from November 16 – 27, 2026. Once your elections are submitted, changes cannot be made until the next enrollment period unless you experience a qualifying life event.

Open Enrollment Begins in

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What You Need To Know

Active Enrollment & New Enrollment Process

We are pleased to announce that open enrollment for our benefit programs will run from November 16 - 27, 2026. We encourage you to read through your benefit guide and review your benefit options with your family.

This is an active enrollment, meaning you must waive or enroll in coverage for 2027. Your current benefits will not roll over.

Professional benefit counselors will be available over the phone to help you complete enrollment. During your individual appointment, you will have the opportunity to ask questions, get more information, and enroll yourself and your dependent(s) in coverage.

How to Enroll

Benefits are more important than ever and we encourage you to spend extra time evaluating your benefit options. As such, we have partnered with EOI Service Company so you can enroll with the guidance of a professional benefit counselor.

This is an active enrollment. To ensure you have benefits for 2027, you must waive or enroll in coverage from November 16 - November 27, 2026. During your confidential appointment, the benefit counselor will:

Review your benefits and help you understand the programs available to you
Answer your questions and provide additional information
Help you customize a benefits package to best meet your individual needs
Complete the enrollment process for yourself and your dependents

For your convenience, you may pre-schedule your appointment with a benefits counselor by clicking the button below, visiting HMGHealthcare.mybenefitsappointment.com, or calling 855-658-0073, Monday - Friday, 9 a.m. - 5 p.m. Central.

You also have the option to enroll online:

Go to HMGHealthcare.bswift.com
Enter your username and password Username = First Initial + Last Name + Last four of SSN. Default Password will be last 4 of SSN
Follow the prompts to complete your enrollment

Schedule Your Benefit Appointment

New Enrollment Process

Schedule Your Appointment

Speak With a Benefit Counselor

Your Benefit Options

We are pleased to offer a comprehensive benefits program that gives you choice and flexibility so you can take charge of your physical, financial, and emotional well-being. For detailed information about each of the benefit plans and programs available to you and your family, click the down arrow for each benefit listed below.

Administered through Anthem

Medical benefits are provided through Leading Edge with Anthem, a BCBS Network. With three options available, choose the plan that works best for your life:

Value
Select
MVP

How to Find a Provider

Visit mesa.leadingedgeadmin.com and register as a member to seach or you can search as a guest on anthem.com/find-care and select National PPO (BlueCard PPO).

Key Features

Comprehensive, affordable coverage for a wide range of healthcare services
Flexibility to see any provider you want, although you’ll save money when you stay in-network
In-network preventive care, with services covered at 100%, including annual physicals, recommended immunizations, well-woman and well-child exams, flu shots, and more
Prescription drug coverage included

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Virtual Care

Administered through AllyHealth

Virtual Care. Anytime. Anywhere. With AllyHealth, you can visit with a doctor 24/7 from your home, office, or on the go, with no copays or consultation fees for you or your family! Plus, you'll have access to Rx and medical bill savings programs - helping you save time, money, and frustration.

Key Features

No copays, deductibles, or per-call charges
Prescriptions called into your local pharmacy
Plan covers the entire family
Flexible and easy to use (available via web, mobile app, or simply by phone)

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Administered by MetLife

Keep a smile on your face and more money in your pocket with our dental plan. Having a dental plan that covers exams, X-rays, fillings and more can help you save money and live healthier.

Get the care you need by choosing from either the low plan or high plan option.

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Network Dentists

If you use a dentist who doesn’t participate in your plan’s network, your out-of-pocket costs may be higher, and you are responsible for charges above the plan’s allowed amount.

The Low Plan bases out-of-network benefits on the Maximum Allowable Charge (MAC). The High Plan bases outof-network benefits on the 90th percentile of Reasonable and Customary (R&C) charges. Even though the coverage percentages are the same in and out of network, your costs may differ. To find a network dentist, visit www.metlife.com and select Find a Dentist.

MetLife Benefit Library

Administered by Superior through MetLife

If you wear glasses or contacts, chances are you already have a steady appointment with an eye doctor. But even those with perfect eyesight should have their vision checked on a regular basis. To ensure that you and your family have access to quality vision care, HMG Healthcare offers a comprehensive vision benefit provided by Superior Vision by MetLife.

Key features:

Low copays for in-network services and materials, including contact lens fittings and evaluations
The freedom to visit any licensed eye care professional or choose from thousands of participating ophthalmologists, optometrists, and opticians/optical retailers. Your out-of-pocket costs will usually be lower when you visit an in-network provider.
Great savings in-network on the latest eyewear and brand name frames.

Administered by MetLife

Voluntary Accident Insurance through MetLife helps with the unexpected costs of a covered accident, whether it happens on or off the job. Benefits are paid directly to you, regardless of what your medical insurance pays. You can use the money for medical bills, household expenses, or other needs. Choose from three coverage options: Base, Enhanced, or Premium. You pay the full cost of coverage through payroll deductions.

Administered by MetLife

Critical Illness insurance through MetLife pays a lump-sum benefit in the event that you or a covered family member is diagnosed with a covered illness and meets the policy requirements. This benefit can be used any way you choose, and benefits are paid regardless of any other insurance coverage you may have.

Employees may purchase coverage in $5,000 increments, up to $50,000. Spouse coverage is available at 50% of the employee’s elected benefit amount. Coverage for eligible dependent children from birth to age 26 is also available at 50% of the employee’s elected benefit amount. You must elect employee coverage to cover your dependents.

Illnesses Covered

Heart attack and stroke
Cancer
Kidney failure and major organ transplant
Certain neurological and progressive diseases
Certain childhood conditions
Certain infectious diseases
Severe burns
Coma and paralysis

Administered by MetLife

A trip to the hospital can be costly—and most people are surprised to learn that they are responsible for a good portion of the bill. Hospital Indemnity insurance through MetLife provides a direct benefit in the event of a covered hospitalization, regardless of treatment costs or other insurance coverage. It’s a way for employees to protect themselves from rising healthcare costs.

Choose from Base, Enhanced, or Premium plan options.
Coverage is available for employees, spouses, and eligible children from birth to age 26. You must elect employee coverage to cover your dependents.
Coverage is offered on a guaranteed-issue basis, subject to actively-at-work requirements and dependent medical restrictions.

Portability is available. Eligible employees may continue coverage through direct billing with MetLife if they lose eligibility under the group plan, subject to plan requirements.
ICU supplemental benefits pay in addition to the corresponding hospital admission and confinement benefits.
Provides coverage for covered injuries and illnesses, including routine childbirth and complications of pregnancy. The Premium Plan’s pre-existing condition limitation applies to sickness benefits, including pregnancy.
No sickness waiting period applies. The Base and Enhanced Plans have no pre-existing condition limitation; the Premium Plan has a six-month look-back and 12-month exclusion period for new entrants, subject to takeover provisions and state variations.

Administered by Prudential

It’s difficult to think about what would happen if something ever happened to you, but it’s important to have a plan in place to make sure your family is provided for. Survivor benefits provide financial protection and security in the event of an unexpected death. Securing Life insurance now can help protect your family’s financial future.

Basic Life and AD&D Insurance

HMG Healthcare provides employees with Basic Life and AD&D insurance if you are enrolled in an HMG Healthcare medical plan. Life insurance pays a benefit to your designated beneficiary in the event of your death. AD&D insurance provides benefits for a covered accidental death or certain covered losses.

Your Basic Life and AD&D insurance benefit is $10,000. If your eligible dependents are enrolled in your HMG medical plan, Basic Life insurance provides $5,000 of coverage for your spouse and $5,000 for each eligible child, at no additional cost to you.

Voluntary Life and AD&D Insurance

The basic benefits provided to you by HMG Healthcare may not be enough to cover expenses in a time of need. Therefore, extra coverage is available to protect you and your family. Eligible employees may purchase additional Voluntary Life and AD&D insurance through Prudential. Premiums are paid through post-tax payroll deductions.

During this enrollment period, employees already enrolled in Voluntary Life insurance may increase their existing employee coverage by up to $40,000 without answering medical questions, subject to plan limits. Coverage is also available for your spouse and eligible children. Please speak with a benefits counselor for your personalized quote and coverage options.

Learn More

Term Life Insurance with Long-Term Care Benefits

Administered by The Standard

Term Life Insurance with Long-Term Care Benefits HMG Healthcare offers Term Life Insurance through The Standard, with premiums that remain level to age 100 unless coverage changes. Eligible insureds can access a portion of their death benefit while living to help pay for qualified long-term care expenses. The Life insurance death benefit provides money your beneficiaries can use any way they choose, including mortgage or rent, education, family debt, and final expenses.

During this enrollment period only, enroll up to the guaranteed issue amount without answering medical questions! Please speak with a benefits counselor for your personalized quote and coverage options.

Guaranteed Life Insurance with Long-Term Care Benefits

Administered by Chubb

HMG Healthcare offers Chubb Guaranteed Life with Long Term Care, which provides a death benefit guaranteed through age 121 and Life insurance premiums that will never increase, as long as required premiums are paid. Living benefits can help pay for qualifying long-term care, including home health care, assisted living, adult day care, and nursing home care. The Life insurance death benefit provides money your beneficiaries can use any way they choose, including mortgage or rent, education, family debt, and final expenses. Using living benefits can reduce the death benefit, subject to the plan’s restoration provisions. During this enrollment period only, enroll up to the guaranteed issue amount without answering medical questions! Please speak with a benefits counselor for your personalized quote and coverage options.

HMG Healthcare offers Chubb Advantage DNA, which combines cash benefits with personalized cancer support services to help you navigate a covered cancer diagnosis. Coverage is available for eligible employees and spouses. The plan pays a $5,000 cash benefit for a covered cancer diagnosis, with separate benefits of $1,250 for carcinoma in situ and $250 for skin cancer. The skin cancer benefit is payable once per insured per year. Cash benefits can help with medical bills, household expenses, or other needs. Through Kadance, you also have access to services such as:

Oncology nurse advocacy and cancer education.
Expert medical review and genetic testing to help inform treatment.
Clinical trial search and enrollment support.
Genetic-based cancer recurrence monitoring.

Please speak with a benefits counselor for your personalized quote and coverage options.

Administered by MetLife

MetLife Pet Insurance helps you manage the cost of veterinary care for covered accidents and illnesses. Customizable coverage options allow you to choose a plan that fits your pet’s needs and your budget. To learn more, get a personalized quote, or enroll, visit quote.metlifepetinsurance.com/pet.

Enrollment is completed directly through MetLife. You are responsible for paying premiums directly to MetLife; payments will not be deducted from your paycheck.

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HMG Healthcare offers Norton LifeLock protection to help safeguard your identity, finances, and digital life. This voluntary benefit provides monitoring, alerts, and support to help you respond to identity theft and online threats. Coverage is available for yourself or your family. The plan includes:

Identity and one-bureau credit monitoring.
Identity theft restoration support and reimbursement for eligible losses and expenses, subject to policy limits.
Device security with Secure VPN for up to three devices, or six devices with family coverage.
Scam protection, a password manager, and privacy monitoring.
Financial and credit insights.

Please speak with a benefits counselor for your personalized quote and coverage options.

Administered by MetLife Legal Plans

MetLife Legal Plans gives you easy, direct access to a national network of more than 18,000 attorneys that provide telephonic advice and office consultations and access to the expert guidance and tools you need to handle the broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft or caring for aging parents.

Please speak with a benefits counselor for your personalized quote and coverage options.

Learn More

We know life is complicated, and sometimes we all just need a little help. Our Employee Assistance Program (EAP), provided through TELUS Health, offers professional support and guidance for you and your eligible household members. Available at no additional cost, the program can help you manage everyday challenges at home and at work.

Through this program, you have access to confidential counseling, legal and financial guidance, and resources to support your well-being. Your benefit includes up to five phone or video consultations per issue, per year, with licensed counselors for you and your eligible household members. You can call 888-319-7819 anytime, 24 hours a day, seven days a week.

You can also access educational materials, self-guided programs, and a chat feature for help finding resources or scheduling counseling. Visit one.telushealth.com or download the TELUS Health app from the App Store or Google Play. Log in using the username metlifeeap and password eap.

Helpful Resources

Explore helpful resources to better understand your benefits and make informed decisions. Review your Employee Benefit Guide and important plan information for details about your coverage, costs, and available resources.

Benefits Guide

Your complete guide to plan options, costs, and coverage details for the upcoming plan year.

View Benefits Guide

Summary of Benefits and Coverage (SBC) Documents

Coming Soon!

Important Notices and Disclosures

Click here for required legal notices and plan documents you should review before completing your enrollment.

Carrier Contacts

Click here for the carrier contacts.

Your 2027 Benefits

Open Enrollment is Coming Soon

Open Enrollment Begins in

What You Need To Know

How to Enroll

Your Benefit Options

Key Features

Virtual Care

Key Features

Key features:

The program provides support and guidance for:

Helpful Resources