Your 2027 Benefits

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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

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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.

Open Enrollment Begins in

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What You Need To Know

Online Enrollment via Prism

This year, you’ll be enrolling in your employee benefits through Prism, your HR portal.

Select the Benefits icon on the left sidebar
Choose Benefits Enrollment from the drop-down menu
Begin your open enrollment elections
On your next login, the Benefit Enrollment widget will now appear on your Home Dashboard.

Pro-tips:

✔ Click here to watch a quick video about online enrollment.

✔ Make sure you have your ProService Login ready to go!

New Voluntary Benefits from MetLife

We’ve partnered with MetLife and are pleased to offer a wide range of voluntary benefit options that offer you choice and flexibility, so you can take charge of your physical, financial, and emotional well-being.

Voluntary Benefits help to:

✔ Provide financial protection for unexpected events such as accidents, hospitalizations, serious illnesses, disability, or loss of life.

✔ Fill coverage gaps left by medical insurance and extend protection to lifestyle needs like legal help, identity theft protection, and pet insurance.

View Voluntary Benefit Options:

✔ Read the Voluntary Benefit Options page in the packet you received via mail, or

✔ Log in to Prism during your benefits enrollment period to view the specific voluntary benefit options available to you.

✔ In Prism, you’ll be able to review benefit details and rates before completing your enrollment online.

Aflac and Transamerica Life and Accident Plans

As part of our transition to MetLife voluntary benefit offerings, ProService will no longer offer Aflac plans or Transamerica Life and Accident Insurance plans starting with the 2026 plan year.

If you are currently enrolled in an Aflac plan and/or Transamerica Life or Accident Insurance plan, ProService will be mailing information directly to you with clear instructions on how to continue your coverage directly with the carrier, or transition to a similar MetLife plan.

Not sure which benefits are right for you? Talk to a Consultant for FREE!

Our Benefit Consultants can help you make confident, money-smart choices — at no cost to you. Don’t miss out on this new service and make the most of your benefit package in 2026!

They can help you understand what each plan covers, choose the best fit for your family and budget, and find ways to save on healthcare and other costs.

Bonus: Get a consultation this month and you’ll be entered to win a $25 Amazon Gift Card!

📅 Available Monday–Friday, 8am–5pm HST
📞 Call 808-515-5554 or schedule online

How to Enroll

Enroll with a Benefits Consultant

This year you have the unique opportunity to enroll with the support of a professional benefit counselor. We highly recommend that you meet with a benefit counselor, so that you can learn more!

During your confidential appointment, the benefit counselor will:

✔ Answer your questions
✔ Provide detailed information
✔ Help you enroll in benefits

To schedule an appointment:

✔ Go online: proservice.com/benefit-consult
✔ Call: 808-515-5554

Consultation ID: You may be asked to provide this when scheduling your appointment. Your Consultation ID can be found on the Voluntary Benefit Options page of your mailed packet.

Enroll Online in Prism

In addition to being able to enroll with the assistance of a benefits consultant, you can self-enroll online.

You’ll be notified via mail, email, and in Prism when your benefits enrollment period will start and end. Log in to Prism during that timeframe and you’ll be guided through the process.

💻 Learn About Online Enrollment

Follow these easy steps to get start the online enrollment process:

Log in to Prism
Select the Benefits icon on the left sidebar
Choose Benefits Enrollment from the drop-down menu
Begin your open enrollment elections
On your next login, the Benefit Enrollment widget will now appear on your Home Dashboard.

Watch this short tutorial to learn, step-by-step.

Check Your ProService Login

ProService Login is our new, secure authentication portal to access Prism.

To avoid any access issues during your benefits enrollment, please take a moment to sign up (if you have not yet) or check your ProService Login access if needed.

✔ To learn more, go to proservice.com/loginhelp

✔ Or, Call for support: 808-394-4162

Schedule Your Benefit Appointment

New Medical Carrier

Accident Insurance Now Available

New Enrollment Process

Your 2027 Benefits 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 by National Benefit Services (NBS)

A Health Care Flexible Spending Account (FSA) is a voluntary benefit option that allows you to use tax-free dollars to pay for out-of-pocket health care expenses that you incur for yourself and your immediate family members. This benefit can be used to pay for expenses such as co-insurance, prescription medication co-pays, and other expenses that are not covered by your health, dental, vision, and drug insurance.

Depending on your tax bracket, you could realize a tax savings of 15-30% on health care expenses and lower your IRS reported income which saves you money.

Administered by MetLife

When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your discretion to help cover out-of-pocket medical expenses, household bills, transportation costs, or any other financial needs while you recover.

Learn More

Administered by MetLife

This plan provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. During this special enrollment, you can elect coverage without answering any medical questions!

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Administered by MetLife

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare.

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Administered by MetLife

Keep getting a check when you’re hurt or sick. You always have bills to pay, even when you can’t get to work due to injury, illness, or surgery. Long term disability insurance helps you make ends meet during this difficult time.

During this special enrollment, you can elect coverage without answering any medical questions!

Learn More

Administered by MetLife

The death of a loved one is not only emotionally devastating, but affects every aspect of an individual’s life. Suddenly, everyday expenses are much harder to afford. Planning ahead by selecting the right life insurance option is the first step to protecting and preparing your family for whatever is ahead. Find a flexible, comprehensive coverage option that will secure your loved ones’ financial future.

Term Life insurance coverage provides financial protection for your loved ones throughout your working years when your cost of insurance is typically less expensive. Its death benefit pays the money directly to your beneficiaries in order to help with funeral costs and ongoing financial obligations, such as daily living expenses, your children’s education, and future mortgage payments.

Learn More

Administered by National Benefit Services (NBS)

A Parking & Transit Account allows you to use tax-free dollars to pay for monthly parking lot fees and mass transit programs (i.e. Bus Pass).

Unlike the Flexible Spending Account (FSA) plans, this program does not include a “use it or lose it penalty.” Any unused funds will carry forward to the next plan year in which you are an active participant.

Depending on your tax bracket, you could realize a tax savings of 15-30% on health care expenses and lower your IRS reported income which saves you money.

Administered by Peanut Butter

Get help from your employer to pay down your student loans faster with Student Loan Repayment Assistance (SLRA).

ProService Hawaii partnered with Peanut Butter to administer this benefit. If you are eligible* to participate, you will receive an email from Peanut Butter with instructions on how to apply online. Signing up is easy. Once your loan is validated, you’ll be all set to receive contributions from your employer each month.

*Note: You must meet your employer’s eligibility requirements for SLRA to receive this benefit. Employees must be actively working at full-time status for 3 full months.

If you have not received an email from Peanut Butter, please call ProService at (808) 394-3118.

Administered by Aura through MetLife

We’re doing more online than ever before –making us more vulnerable to fraud and online threats. MetLife and Aura Identity & Fraud Protection helps safeguard the things that matter to you most: your identity, money and assets, family, reputation, and privacy.

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I authorize Aura Sub, LLC (“Aura”) to confirm my identity, obtain and monitor my credit information from the credit bureaus on a recurring basis in order to provide the Aura products and services I have ordered as long as I have an account with Aura. I also authorize Aura depending on the Aura products and services ordered, to retrieve and monitor my personal information, and motor vehicle and other records. I acknowledge that I may be required to activate certain services, including taking action to download, install, or provide additional information before obtaining access to the Aura products and services. By opting in, I confirm I have read, understood and agree to be bound by Aura’s Terms of Service and acknowledge Aura’s Privacy policy.

Terms of Service Link: https://www.aura.com/legal/service-terms

Privacy Policy Link: https://www.aura.com/legal/privacy-policy

Administered by MetLife Legal Plans

Your legal plan benefit is like having a trusted attorney in your pocket or on retainer. The attorney will advocate for your best interests and help you navigate legal issues. This may sound like a luxury, but it doesn’t have to be! Our coverage provides access to a network of qualified and experienced attorneys nationwide.

Plan benefits include:

✔ A cost-effective plan providing access to more than 18,000+ experienced network attorneys.

✔ Unlimited use of network attorneys for covered issues.

✔ Assistance for a wide range of legal needs, including money matters, home and real estate, family and personal matters, civil lawsuits, elder care issues, and vehicles and driving.

✔ Online digital estate planning tool—create wills and trusts, healthcare proxies, and power of attorney documents from the comfort of home.

Administered by MetLife

Help protect your pet from costly vet bills

Pet insurance works much like other types of insurance. For a monthly fee (also called a premium), you’ll have coverage that can help reduce the financial impact of expected and unexpected veterinary care.

Pets are family. Pet insurance helps ensure your pet gets the care they deserve by protecting their health and well-being while helping to protect your budget.

Learn More

Health Care Benefits

Please refer to Prism for the specific health care plans available to you. Click on the topics below to learn more.

Health Care Plans

Please log in to Prism during your benefits enrollment period to view the specific health care plans available to you.

In Prism, you’ll be able to compare plans side-by-side, review plan details, and view rates before making your selection.

Waiving Health Care Coverage

If you want to waive health care coverage, you must check the “I agree to waive Medical” box in your HR Portal, and complete an HC-5 Waiver Form.

The HC-5 Waiver Form* will be sent to you electronically after the enrollment period has closed.

You must submit a new HC-5 Form every year to waive health care benefits and provide proof of valid coverage. (*applies to Hawaii employees only).

New Coverage Starts Jan. 1

The health care coverage you select during your enrollment period will be effective January 1, 2027. If your healthcare provider issues new cards, you should receive them by January.

Is Enrollment Mandatory?

If you’re happy with your current health care plan coverage and want to keep comparable health care plans for next year, no action is needed.

If you don't complete online enrollment, you will continue to be enrolled in comparable health care plans.

We highly encourage you to log in to your HR Portal and/or speak to a benefits consultant to review all of your benefit options, plans, and rates and make sure you have the benefits that will best meet your needs for next year.

Important: Some voluntary benefits need active enrollment every year, so it’s always a good idea to review all of your options.

What if I don't want to make any changes?

Even if you don’t plan on making changes, we recommend that you review any applicable changes for the coming year and complete your online enrollment.

✔ If you do not complete online enrollment, you will continue to be enrolled in your comparable health care plan.

✔ If you want to waive health care coverage for the coming year, you must submit a new HC-5 Form (for Hawaii residents only), along with valid proof of coverage.