Have a Question? Check Here for Answers
FAQs
Read below for answers to frequently asked questions (FAQs), common terms and their definitions and contact information. Please reach out to your local HR representative for questions or more information. Click here when you are ready to enroll. Address changes can be made in hrlink.
This site is for all benefits-eligible employees and their dependents.
Contact your local Human Resources Representative with any issues.
Log onto interpublicbenefitsonline.ehr.com. The site is your 24/7 resource for all your benefits tools and information. Review coverage, download plan documents, compare the medical plans side-by-side, and more. Contact your local HR Representative if you have any other questions.
Yes, you can contact the provider directly. Refer to the contact and plan information on that specific vendor’s page.
Open Enrollment is an annual event, usually held each November that allows you to change, modify or elect new benefits that become effective on January 1 of the following year.
New to IPG? You must enroll within 30 days of your date of hire.
Enrolling in benefits is easy and convenient. Simply log on to interpublicbenefitsonline.ehr.com and follow the steps to enroll.
If you enroll during the annual Open Enrollment period, your benefits will begin on January 1 of the following year. If you enroll as a New Hire, your benefits will begin one month from your date of hire. For example, if you are hired on July 15, your benefits will be effective on August 15.
After your Open Enrollment or initial New Hire Enrollment period, you may only change your benefits if you have a qualifying life event/change in family status. Changes must be made within 30 days of the event/family status change.
A qualifying life event/change in family status is a change in your life, such as marriage or the birth of a child, that has an effect on your health insurance options or requirements. The IRS states that a qualifying event must have an impact on your insurance needs or change what health insurance plans you qualify for.
When enrolling a new dependent, you will be required to provide supporting documentation to prove your dependent’s eligibility. Examples of documentation include birth certificates, marriage certificate, and adoption papers.
More Info
Common Terms & Definitions
Annual Maximum Benefit – The most the PDP Dental Plan will pay toward your costs for preventive care, basic services, and major services each year.
Base Annual Salary – The initial rate of compensation you receive for work performed. It excludes benefits, bonuses, or other potential compensation.
Beneficiary – The recipient you choose who will receive benefits if you die while covered under the savings plan, life insurance, and AD&D insurance.
Coinsurance – The percentage paid for a covered service, shared by you and the plan. Coinsurance can vary by plan and provider network. Review the plans carefully to understand your responsibility.
Copay – A fixed dollar amount you pay the provider at the time of service; for example, a $30 copay for an office visit or a $10 copay for a generic prescription.
Consumer-Driven Health Plan – A medical plan that is usually characterized by higher deductibles and out-of-pocket maximums and lower monthly premiums.
Deductible – The amount you pay each calendar year before the plan begins paying benefits. Not all covered services are subject to the deductible; for example, the deductible does not apply to preventive care services.
Health Savings Account – A tax-advantaged savings account that is used with a consumer-driven health plan.
HIPAA – Health Insurance Portability and Accountability Act, which provides privacy standards to protect patients’ medical information.
Imputed Income – The value of the amount of Company provided life insurance coverage above $50,000, and the Company’s portion of the cost for domestic partner-related coverage under medical and dental.
Limited Purpose FSA – A health care flexible spending account that works in conjunction with a health savings account. It can only be used for eligible vision and dental expenses.
In-Network Care – Care provided by contracted doctors within the plan’s network of providers. This enables participants to receive care at a reduced rate compared to care received by out-of-network providers.
Out-of-Network Care – Care provided by a doctor or at a facility outside of the plan’s network. Your out-of-pocket costs may increase, and services may be subject to balance billing.
Out-of-Pocket Maximum – The maximum amount you pay per year before the plan begins paying for covered expenses at 100%. This limit helps protect you from unexpected catastrophic expenses.
Preventive Care – Routine health care, including annual physicals and screenings, to prevent disease, illness, and other health complications. In-network preventive care is covered at 100%.
Urgent Care – Urgent care is not the same as emergency care. Visit urgent care for sudden illnesses or injuries that are not life-threatening. Urgent care centers are helpful when care is needed quickly to avoid developing more serious pain or problems.
Base Annual Salary – The initial rate of compensation you receive for work performed. It excludes benefits, bonuses, or other potential compensation.
Beneficiary – The recipient you choose who will receive benefits if you die while covered under the savings plan, life insurance, and AD&D insurance.
Coinsurance – The percentage paid for a covered service, shared by you and the plan. Coinsurance can vary by plan and provider network. Review the plans carefully to understand your responsibility.
Copay – A fixed dollar amount you pay the provider at the time of service; for example, a $30 copay for an office visit or a $10 copay for a generic prescription.
Consumer-Driven Health Plan – A medical plan that is usually characterized by higher deductibles and out-of-pocket maximums and lower monthly premiums.
Deductible – The amount you pay each calendar year before the plan begins paying benefits. Not all covered services are subject to the deductible; for example, the deductible does not apply to preventive care services.
Health Savings Account – A tax-advantaged savings account that is used with a consumer-driven health plan.
HIPAA – Health Insurance Portability and Accountability Act, which provides privacy standards to protect patients’ medical information.
Imputed Income – The value of the amount of Company provided life insurance coverage above $50,000, and the Company’s portion of the cost for domestic partner-related coverage under medical and dental.
Limited Purpose FSA – A health care flexible spending account that works in conjunction with a health savings account. It can only be used for eligible vision and dental expenses.
In-Network Care – Care provided by contracted doctors within the plan’s network of providers. This enables participants to receive care at a reduced rate compared to care received by out-of-network providers.
Out-of-Network Care – Care provided by a doctor or at a facility outside of the plan’s network. Your out-of-pocket costs may increase, and services may be subject to balance billing.
Out-of-Pocket Maximum – The maximum amount you pay per year before the plan begins paying for covered expenses at 100%. This limit helps protect you from unexpected catastrophic expenses.
Preventive Care – Routine health care, including annual physicals and screenings, to prevent disease, illness, and other health complications. In-network preventive care is covered at 100%.
Urgent Care – Urgent care is not the same as emergency care. Visit urgent care for sudden illnesses or injuries that are not life-threatening. Urgent care centers are helpful when care is needed quickly to avoid developing more serious pain or problems.
Provider Contacts
Contact your local HR representative with questions
Your Benefit Enrollment Site
Visit hrlink for address changes
If you are not currently enrolled in a specific benefit plan, contact the Benefits Department first.
UHC
1-866-679-0946
myuhc.com
Kaiser
1-800-464-4000 (English)
1-800-788-0616 (Spanish)
kaiserpermanente.org
Express Scripts
1-888-418-2589
express-scripts.com
Optum Bank
1-800-791-9361
customercare@uhc.com
Cigna
1-800-Cigna-24
cigna.com
MetLife Dental
1-800-GETMET-8
enrollment@metlife.com
VSP
1-800-877-7195
vsp.com
HealthEquity / WageWorks
1-877-924-3967
wageworks.com
The Hartford
1-877-426-6483
gbd.customerservice@hartfordlife.com
MetLife Life Insurance
1-800-GETMET-8
enrollment@metlife.com
CCA@YourService
1-800-833-8707
support@resourcesforyourlife.com
IPG Best
1-866-564-5454
customerservice@corestream.com
Empower Retirement
1-844-866-4IPG (4474)
Monday – Friday 8:00 am – 10:00 pm, Saturdays 9:00 am – 5:30 pm EST.
TTY: 1-800-345-1833
empowermyretirement.com
Your Benefit Enrollment Site
Visit hrlink for address changes
If you are not currently enrolled in a specific benefit plan, contact the Benefits Department first.
UHC
1-866-679-0946
myuhc.com
Kaiser
1-800-464-4000 (English)
1-800-788-0616 (Spanish)
kaiserpermanente.org
Express Scripts
1-888-418-2589
express-scripts.com
Optum Bank
1-800-791-9361
customercare@uhc.com
Cigna
1-800-Cigna-24
cigna.com
MetLife Dental
1-800-GETMET-8
enrollment@metlife.com
VSP
1-800-877-7195
vsp.com
HealthEquity / WageWorks
1-877-924-3967
wageworks.com
The Hartford
1-877-426-6483
gbd.customerservice@hartfordlife.com
MetLife Life Insurance
1-800-GETMET-8
enrollment@metlife.com
CCA@YourService
1-800-833-8707
support@resourcesforyourlife.com
IPG Best
1-866-564-5454
customerservice@corestream.com
Empower Retirement
1-844-866-4IPG (4474)
Monday – Friday 8:00 am – 10:00 pm, Saturdays 9:00 am – 5:30 pm EST.
TTY: 1-800-345-1833
empowermyretirement.com