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Choose the provider network for your Core or Enhanced plan, get an ID card, or contact Allied for help.
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Optimyl Benefits Hub
Coverage you can count on.
Compare plans, find care, get support, and discover ways to save—all in one place.
2027 Refresh
What’s Changing for 2027
Life, Disability and Supplemental Coverage
The Hartford brings you the same great life, disability and supplemental coverage at new lower rates—including Life and AD&D, Short-Term and Long-Term Disability, Accident, Critical Illness, and Hospital Indemnity.
Medical and Prescription Coverage
We’re protecting the medical coverage levels employees have today. Beginning January 1, 2027, Core Copay and Core Consumer plans use the First Health / Allied Advocate program. Enhanced Copay and Enhanced Consumer plans will continue with Cigna OAP.
Review Medical Details →Coverage begins January 1, 2027. Review the limits and enrollment instructions for each benefit in Rippling.
Start with what you need
What can we help you do?
Choose a path. We’ll take you straight to the right plan, tool, or contact.
Save Money
Use the Discount Marketplace, save with tax-free accounts, and choose the coverage that fits your needs.
Find Your Best-Fit Plan Current shopping guide — review for 2027 Learn About HSA Investment OptionsGet Support
Get help with Life Changes, confidential counseling, family resources, financial tools, and carrier contacts.
Update My Coverage Open MyLifeExpertUse your benefits well
Four smart moves for the year.
These opportunities can help you get better care and keep more money in your pocket.
Compare Care Before You Choose
Compare care by price and quality. MyMedicalRewards is for eligible plans and excludes HSA-qualified and RBP plans.
Spend Pre-Tax on Wellness
Use HSA/FSA dollars on qualified wellness products through the TrueMed marketplace.
Visit TrueMed
Save on Everyday Purchases
Use the AllOne Discount Marketplace for savings on travel, electronics, entertainment, restaurants, wellness, local deals, and more.
Check Before You Fill
Look for generics and lower-cost alternatives before filling a prescription.
Help Me Choose a Plan
Find the Right Fit for Your Life.
Your best-fit plan balances your care needs, provider network and total costs. Start by comparing your medical coverage options.
- Compare deductibles, out-of-pocket limits and office visits
- Check the network for the plan you’re considering
- Use Rippling for your final rates and elections
Your 2027 Medical OptionsMake a Confident Choice
Answer a few simple questions to compare how the plans fit your care needs, preferred providers, and budget—so you can choose with confidence.
Help Me Choose a PlanMedical Plan Options
Compare Our Medical Options
| Plan Detail | Copay CoreRead SBC → | Consumer CoreRead SBC → | Copay EnhancedRead SBC → | Consumer EnhancedRead SBC → |
|---|---|---|---|---|
| Provider Network | Allied Advocate / First Health | Allied Advocate / First Health | Cigna Open Access+ PPO | Cigna Open Access+ PPO |
| Deductible · Single / Family | $3,000 / $6,000 | $3,500 / $7,000 | $1,000 / $2,000 | $2,500 / $5,000 |
| Out-of-Pocket Maximum · Single / Family | $8,500 / $17,000 | $7,000 / $14,000 | $3,000 / $6,000 | $4,000 / $8,000 |
| Primary Care Office Visit | $30 Copay | 20% After Deductible | $20 Copay | 20% After Deductible |
| Specialist Office Visit | $60 Copay | 20% After Deductible | $40 Copay | 20% After Deductible |
| Generic Prescription · Retail | $10 Retail Copay | 20% After Deductible | $5 Retail Copay | 20% After Deductible |
| Annual Employer HSA Funding | — | $250 / $500 / $750 | — | $500 / $750 / $1,000 |
In-network summary only. Office-visit copays cover the exam; other services may be subject to the deductible and coinsurance. Generic prescriptions under Copay plans are covered before the deductible; Consumer plans apply coinsurance after the deductible. Annual employer HSA contributions are shown in this order: employee only; employee + spouse/partner or child(ren); family (employee + spouse/partner and child(ren)). Contributions are prorated and deposited monthly. Official SBCs govern.
Cigna manages prescription benefits for both Core and Enhanced plans. Use myCigna to review the drug list and pharmacy resources for your coverage, or call Allied at 800.621.0748 for help.
Your coverage, organized
Plans, contacts, and documents—together.
Choose a benefit to see what it covers and go directly to the carrier or approved resource.
New to the Team
Welcome. Let’s get you covered.
Most benefits begin the first of the month after 30 days. Eligible employees regularly work 30+ hours per week and may cover spouses, partners, and children to age 26.
Test Drive Our Benefits Before Enrolling- 1Review Your Options
Start with the benefit preview and program overview.
- 2Check Eligibility and Timing
Confirm who you’ll cover and your enrollment deadline.
- 3Compare Plans
Use Help Me Choose a Plan to compare coverage and estimated costs. Confirm your final rates in Rippling.
- 4Enroll in Rippling
Submit your elections before your deadline. Go to Rippling
Benefits Learning Center
Learn More
Watch a short explanation, explore your benefit documents, or contact the Benefits Help Desk.
Featured Video
2027 Overview Video
Choose watch to begin.
A guided look at your benefits, what’s changing, and how to make your elections.
Choose a Topic