Health Insurance Information

Helpmates is pleased to offer three medical plans as a benefit to our actively working employees along with several additional benefit options! Any employee who is currently working on an assignment may elect to participate in our various insurance options.

Medical Plans:

• Minimum Essential Coverage Wellness/Preventative Plan (ACA Compliant) – AUTO ENROLLMENT unless you OPT OUT.
• Minimum Essential Coverage Wellness/Preventative Plan Plus Fixed Indemnity Services
• Minimum Value Plan (Subject to Eligibility)

Additional Benefits:

• Dental
• Vision
• Short-Term Disability
• Life
• 401(k) – Traditional and Roth 401(k) investment opportunities. (Subject to meeting eligibility requirements)

FAQ’s

Please review these FAQs and should you have any further questions you can contact The American Worker at 1-866-866-3424 ( Monday-Friday, between 8:00 am-8:00pm EST. ) or visit their website at www.theamericanworker.com

When am I eligible for healthcare benefits?
New hires will have 30 days from their first paycheck to enroll in additional coverage offerings or Opt-Out of the automatic enrollment. All employees will be automatically enrolled in our Minimal Essential Coverage (MEC Plan) if they do not opt-out.

What are my health coverage options?
Please see our The American Worker Benefit Guide for enrollment options or visit www.theamericanworker.com   

For questions, where can I receive more information?
Please visit the benefits enrollment website at www.theamericanworker.com or call  866-866-3424 ( Monday – Friday, between 8:00 am. and 8:00 p.m. (EST).

Can I opt out of the automatically enrolled MEC Plan or benefit coverages?
To opt-out of the automatically enrolled MEC Plan or elect additional coverages within your 30-day initial enrollment period coverage please call  (866) 866-3424 or visit www.theamericanworker.com.  No changes can be made to any other enrolled benefits after the initial enrollment period except during the annual open enrollment period or as a result of a qualifying event. 

When is open enrollment?
Open enrollment occurs once per year.  Active working employees will be able to participate in open enrollment for benefits annually during the month of June. We will not have another open enrollment until the following year in June.

For information on the U.S. Departments of Health and Human Services, Labor and Treasury’s Transparency in Coverage, please go to https://fbg.com/claims-login