Your 2027 Benefits

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contact information, find providers, and search your benefits
all in one place.
 
Speak with a benefit counselor to learn more about your benefit
options. Click the button below to scheduleyour appointment.
 

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What You Need to Know

Review Changes for 2027

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Benefit Options

View Your Health & Voluntary Benefits

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How to Enroll

Know When and How to Enroll

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Helpful Resources

Contact Us With Questions

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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. Once your elections are submitted, changes cannot be made until the next enrollment period unless you experience a qualifying life event.

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What You Need To Know

We are pleased to announce that open enrollment for our benefit programs will be held October 26 - November 13, 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 speak with a benefit counselor to 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.

To ensure we are offering the best available benefits to our employees, we are excited to announce that MetLife will be the new carrier for Short-Term Disability and The Standard, formerly AllState, will be the new carrier for Universal Life Insurance with Living Benefits for Long Term Care! 

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. 

It is essential you speak with a benefit counselor to learn more about your benefit options. This is an active enrollment. To ensure you have benefits for 2027, you must speak with a benefit counselor from October 26 - November 13, 2026. During your confidential appointment, the benefit counselor will:

  • Answer your questions
  • Provide detailed information
  • Help you enroll in benefits
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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.

Legacy Healthcare offers four medical plans through Leading Edge with Anthem, a BCBS Network. These plans offer the flexibility to see any doctor you wish; however, you will pay less out-of-pocket when you see an in-network provider. If you select the HealthyYou option, you will be required to use only in-network providers. Please see plan summary for full plan details and limitations.  

Summary of Benefits and Coverage

Pharmacy Benefits
Your drug plan is administered by Carelon. Visit Carelon at carelon.com to search for prescription drugs, find a pharmacy, order mail service refills or new prescriptions online, and much more. Carelon has a broad network of contracting pharmacies. To use your benefits, simply find a contracting pharmacy close to you and present your member ID card.

Rx Mail Order
The Mail Order program with Carelon will save you both time and money. This program requires all covered medications to be filled as a 90-day supply either through select retail pharmacies or through home delivery. Only two 30-day fills are permitted at a retail pharmacy before you are required to move to a 90-day supply.

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

Find a Provider
Visit mesa.leadingedgeadmin.com. If you have not registered as a member, you can do so now or you can search as a guest on anthem.com/find-care and select National PPO (BlueCard PPO).

Please see your 2027 benefit guide for rate information.

Administered by MetLife

Because maintaining your smile is important, Legacy offers two dental plans through MetLife: a High and Low plan. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in network dentist.

Preferred Provider Organization (PPO) – You have the flexibility to use any dentist of your choice, however, you can manage your out-of-pocket costs by remaining in-network. Negotiated fees extend to all in-network services— even to non-covered services like cosmetics and to services provided after the annual benefit maximum has been exceeded.

 

Key Benefits Include:

  • Access to a nationwide network of participating dentists, with greater savings when you use an in-network provider. 

  • Coverage that helps reduce the cost of routine preventive care, including cleanings, exams and X-rays, as well as many common restorative services.

  • Valuable tools and resources, including pretreatment estimates, online claims and coverage information, and access to negotiated in-network rates that can help lower out-of-pocket expenses.

*Please see your 2027 benefit guide for rate information. 

Administered by MetLife

Even if you don’t wear glasses, regular visits to your eye doctor are important to your overall health. That’s because a routine eye exam can often detect early signs of serious health conditions like diabetes. A group vision plan makes it easier to get the care you need and lower your costs. 

We are proud to offer Vision benefits through MetLife. Although you have the option to see any 
provider you wish, you will receive the best benefits when you choose an in-network provider.

 

The MetLife Vision Plan features:

  • Access to in-network eye care services and eyewear, with greater savings when you use a participating provider.

  • The flexibility to visit any licensed eye care professional, with access to a large network of ophthalmologists, optometrists, opticians and optical retailers.

  • Valuable extras – polycarbonate (shatter-resistant) lenses for children up to 18 years of age and ultraviolet coating are covered in full in-network.

  • Great savings in-network on the latest eyewear and brand name frames.

Administered by HSA Bank 

If you enroll in the HSA medical plan, you are eligible for a Health Savings Account. Legacy will manage your pre-tax payroll deductions for you if you chose to contribute to your account. An HSA is an interest-bearing savings account used to pay for eligible medical, prescription drug, dental, or vision expenses. All the money in the account is yours to keep, even if you leave or retire from Legacy. At the end of the year, any money in the HSA rolls over to the next year—you never lose it! The 2027 annual maximum contribution is $4,500 for an individual or $9,000 for a family.

Administered by MetLife

You have the option to enhance your medical plan with additional hospital benefits through MetLife. The plan is designed to provide financial protection by paying you a benefit for hospital admission, hospital confinement, and inpatient rehabilitation. You can use this benefit to pay for out-of-pocket expenses and extra bills that can occur as a result of a hospitalization due to illness or injury. During this enrollment period only you can elect coverage without answering medical questions!

Administered by MetLife

Accident Insurance through MetLife can help cover the out-of-pocket costs associated with an accident (24/7/365) by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay, or to pay for childcare so you can get to the doctor for a follow-up visit. During this enrollment period only you can elect coverage without answering medical questions!

The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Accident Insurance pays you a benefit for events such as ambulance transportation, ER visits, doctor visits and follow-up treatment, fractures and dislocations, burns, surgery, medical appliances, torn cartilage, and more.

Administered by MetLife

Critical Illness Insurance from MetLife protects your family and your assets. No one saves to get sick, which is why being diagnosed with a covered condition can be especially draining, both emotionally and financially. The policy provides you with a lump sum cash benefit in the event you or an insured loved one is diagnosed with a covered condition such as cancer, heart attack, stroke, or infectious disease, such as COVID-19 or pneumonia. It can help provide financial protection so you can focus on getting better. During this enrollment period only you can elect coverage without answering medical questions!

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. 

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

View IA Benefits Guide
View IL/SD Benefits Guide

Coming Soon!

Required legal notices and plan documents you should review before completing your enrollment.