English New Hire Enrollment Guide
Haga clic aquí para ver su guía de inscripción de beneficios
Click here to view your benefits enrollment guide
Guía de Inscripción Abierta en Español
Benefit Details Medical Insurance Dental Insurance Vision Insurance Life Insurance Disability Insurance Accident Insurance Whole Life Insurance Group Critical Illness Insurance Advocacy & Transparency Services Next Steps & Important Contacts
Table of Contents
2017 Benefits Enrollment
Benefits For You and Your Family
Welcome to Your
The effective date of your benefit elections will be the first day of the month following your hire date.
When is My Coverage Effective?
Benefits Educators are available through the Benefits Service Center to speak one-on-one over the phone with each benefits-eligible Team Member. Trained, non-commissioned Benefits Educators will answer questions about the Cardenas Markets benefits program and help you enroll for the 2018-19 plan year. You may schedule you enrollment appointment online or by telephone no sooner than 7 days after your date of hire. Once you schedule your appointment, you will need to have your benefit elections made within 30 days of your hire date. For appointment assistance, call the Benefits Service Center at (855) 669-1458 Monday-Friday 6:00AM-3:00PM PT. If covering dependents, please have their social security numbers and birth dates available during your enrollment appointment.
When and How Do I Enroll?
For most of these benefits, you may change your coverage during the year only when you experience a qualifying event, such as marriage, divorce, birth, death, adoption, placement for adoption, or loss of coverage. You have 31 days to report the change to the Benefits Department. The change must also be consistent with the event. For example, if your dependent child no longer meets eligibility requirements, you can drop coverage only for that dependent.
Changing Coverage During the Year
All full-time Team Members working 30 or more hours per week are eligible to participate in the Cardenas Markets benefits program. Eligible Team Members may also enroll their legal spouse, domestic partner and/or dependent children. A dependent child may be the natural child, stepchild, legally adopted child, foster child, or other child for whom the Team Member has permanent legal custody. If you have specific questions about your work hours and eligibility, please contact your Benefits Department.
Who is Eligible?
To change the coverage you have selected or have been defaulted to—outside of the company's standard benefit enrollment policies and regulations governed by the Internal Revenue Code (Section 125)—you can request the change by calling Automated Benefit Services at 888-492-6811. If ABS denies your request, you may file a written appeal with the Plan Administrator. Your appeal should include: • Your requested change • A detailed reason for your request • The circumstances that caused the need for the request • The date and time of your request • Your desired outcome (e.g., what plan you wish to enroll in and whom you wish to cover) • Any supporting documentation
Appeals Process
You may cover: • Your spouse or registered domestic partner (in specific areas or where required by local contract) • Your children – Up to age 26 – Over age 26 if unmarried and mentally or physically disabled Children may include your biological children, your spouse’s/ registered domestic partner’s children, stepchildren, legally adopted children, children of whom you have legal guardianship and those who qualify as dependents on your federal income tax return. Proof of Relationship: Not required for current dependents. For new dependents, please submit the following: Marriage Certificate, Birth Certificates and/or Adoption Certificates.
Whom Can I Cover?
If your spouse is eligible under another employer’s medical plan at a cost of $180 each month or less for individual coverage for the lowest-cost plan option, your spouse must enroll in primary coverage through his/her employer to be eligible for secondary coverage under the Ensemble Medical Plan. Standard Coordination of Benefits rules would apply. You will be asked to verify that your spouse does not have other medical coverage.
Additional Eligibility Requirement for Spouse
If you receive a bill from your doctor or if you are paying for a prescription, you can pay from your HSA using your HSA debit card or checks provided by your bank.
How do I pay with an HSA?
Yes, as long as the service is a qualified expense. You can take money out of your HSA to pay yourself back with no penalty.
If I paid a health care bill with my credit card, can I pay myself back from my HSA?
Click the buttons below for more information
Who Can Be Covered Under Your Plan
Who Is Eligible?
When Is My Coverage Effective?
Helpful Terms
Cardenas Markets is pleased to announce your 2018-2019 benefits program. This program is designed to provide you with benefit solutions that help you stay healthy, feel secure, and maintain a positive work/life balance. Offering a competitive benefits package is just one way we strive to provide our Team Members with a rewarding workplace. Please read the information provided on this site carefully.
Benefit Details
When you enroll in one of the medical plans, you automatically receive prescription drug coverage through Cigna. Copayment amounts vary depending on the prescription drug tier – generic, preferred brand or non-preferred brand.
Choice Plus (HSA) Prescription Chart
Choice Plus (HSA) Medical Overview
Click here to view the PPO overview
Safety Net Plan
Bronze Plan
Medical Rates (Weekly)
Medical Benefits Overview
If you are interested in participating in the HMO plan, please be sure to select a Primary Care Physician by visiting www.anthem.com/ca and selecting “Find a Doctor”. You may search as a guest and enter the following information to find a Primary Care Physician based on the company sponsored specific HMO Plan. We also have regional coverage options through Health Plan of Nevada and Kaiser Permanente for Southern California Team Members. The charts below display a brief outline of each plan. Please refer to the Summary of Benefits Coverage (SBC) and/or Summary Plan Description for complete plan details.
Your health-related needs and considerations are unique to you and your family. Through Anthem, you may elect the PPO Gold Plan or HMO Plan.
Medical Insurance
Many employees don't understand what their medical insurance covers.
We’re here to help you understand your benefits and make the best choices for you and your family. See the details below.
In this example, applicable deductibles have been met, and the participant visits a dentist to have a basic service provided. If the dentist’s submitted fee of $120 is covered at 80%, the claim may be processed as follows for each network:
How It Works
Participants may save the most money and receive the highest level of coverage when they visit a Delta Dental PPO dentist. Our PPO dentists have agreed to accept lower fees as full payment for covered services. Participants may still save money if they visit a Delta Dental Premier dentist who agrees to accept Delta Dental’s fee determination as full payment for covered services.
The Dual Network Advantage
Dental Rates (Weekly)
Dental Benefits Overview
92%
Dental Insurance
We offer two PPO plan options and one HMO plan option through Premier Access.
of adults ages 20-64 have had dental cavities.
*This is a brief outline of the plan. Please refer to the summary plan description for complete details. Waiting periods may apply. **Charges in excess of our Maximum Covered Fee will not be considered covered under this policy. * **Premier Access does not guarantee all services can be rendered by a contracted PCN or PPO provider. You may be subject to a deductible and co insurance for an out of network Specialist.
These plans are designed to provide you and your family with coverage for items such as cleanings, fillings, crowns, and other related dental services. The cost of coverage is deducted from each paycheck on a pre-tax basis. To locate a list of participating providers, please visit www.premierlife.com and click on ‘Find a Dentist’. You will perform a Quick Search by zip code and then select a Commercial Plan from the drop down menu. From here, you will be able to locate a provider, change the order of the providers, and review photos, profiles and select a dentist. To make a Primary Care Dentist selection or change, the member can simply send a secure email to customerservice@premierlife.com or contact the Customer Service Department at 866-650-3660 by the 25th of the month to make the change effective the first of the following month. If you choose the Low or High PPO plan, your dollars will stretch further if you select a provider participating in either the Premier Choice Network (PCN) or PPO network.
Vision Insurance
All the more reason to have vision coverage for you and your family.
Cardenas Markets is pleased to offer two vision plans through Anthem’s Blue View Vision program which uses EyeMed’s national network. These comprehensive vision plans are designed to promote optimum eye health for you and your family. Receiving your vision benefit is as easy as visiting a network provider. To locate participating providers, visit www.anthem.com/ca and click ‘Find a Doctor’ under Care on the home page. The chart below is a brief summary of your plan options. Please refer to the Summary Plan Descriptions for complete plan details.
of all visual impairment can be prevented or cured.
80%
Vision Rates (Weekly)
Vision Benefits Overview
*This is a brief outline of the plan. Please refer to the summary plan description for complete details.
Voluntary Life Summary (PT)
Voluntary Life Summary (FT)
You may purchase additional levels of life insurance coverage in increments of $10,000—up to a maximum of seven times your base salary, not to exceed $3,000,000. Your basic and supplemental coverages count toward this maximum. If you are already enrolled in supplemental life insurance and want to increase your coverage, you may purchase up to $30,000 in $10,000 increments (some limitations apply) without providing Evidence of Insurability (EOI) in specific situations. Any amounts above $30,000 will require EOI. *Note: If you have waived this coverage previously, you must provide Evidence of Insurability on any amount you elect. Rates differ based on your age (as of January 1) and the amount of coverage you elect. Any changes in cost due to an increase in your age take effect at the beginning of the new benefit plan year. Enrolling for the First Time?* If this is the first time coverage has been offered to you, you may purchase a specific supplemental amount—your guaranteed issue amount— without providing Evidence of Insurability. • Employee: Up to three times your annual base salary or $750,000, whichever is less • Spouse: $50,000 • Child: $10,000 Spouse and Child Life Insurance You may purchase this insurance to protect your: • Spouse— Increments of $5,000, but your spouse’s coverage amount cannot exceed 100% of your own basic and supplemental life coverage amount or $250,000, whichever is less. • Eligible dependent children— Increments of $2,000 up to a maximum of $10,000 (the cost for this coverage is the same for one or multiple children). Supplemental AD&D Insurance You may purchase additional levels for: • Yourself (full benefit) • Your family (reduced benefit) This plan pays benefits only if you or a covered family member dies or suffers a covered loss due to an accident. If the employee dies, the benefit is paid in full. If a spousal AD&D benefit is paid, that benefit will be a percentage of the employee benefit, and it will be subject to the maximum amount payable under the plan. Accidents are covered differently depending on the type of loss (see the Summary Plan Description for details). Eligible Dependents: Your spouse and dependent children are also eligible for coverage. • Annual Enrollment Flexibility: As long as you elect at least the minimum coverage amount ($10,000) at your initial enrollment, you can increase your amount up to the Guaranteed Issue maximum ($150,000) at any future annual enrollment period with NO MEDICAL QUESTIONS (must be actively at work to increase). • Portability: If your employment ends, you retire from your employer or you are working less than the minimum number of hours, you may be eligible to elect portable coverage and continue your term insurance at group rates.
Supplemental Life and AD&D Insurance
Eligible Dependents: Your spouse and dependent children are also eligible for coverage. • Spouse coverage will be applied for in $5,000 increments; however, the spouse coverage amount cannot exceed 100% of your own voluntary life election. • Child coverage will be applied for in $2,000 increments to a maximum of $10,000 (the cost of this coverage is the same for one or multiple children). • Annual Enrollment Flexibility: As long as you elect at least the minimum coverage amount ($10,000) at your initial enrollment, you can increase your amount up to the Guaranteed Issue maximum ($150,000) at any future annual enrollment period with NO MEDICAL QUESTIONS (must be actively at work to increase). • Portability: If your employment ends, you retire from your employer or you are working less than the minimum number of hours, you may be eligible to elect portable coverage and continue your term insurance at group rates.
Dependent Life and AD&D Insurance
Basic Life Summary (PT)
Basic Life Summary (FT)
A fundamental element of any benefits package is life insurance designed to protect you and your loved ones from financial hardships related to an untimely death. You may receive basic life insurance and accidental death and dismemberment (AD&D) insurance automatically, at no cost to you This provides a benefit if you die in a covered accident or you suffer certain serious injuries, such as loss of eyesight or a limb. You may purchase voluntary life and AD&D coverage in increments of $10,000, up to a maximum of 5 times your annual earnings, not to exceed $500,000. Coverage will be provided to you at your initial enrollment on a Guaranteed Issue basis (no medical questions) for any amounts up to a maximum of $150,000 for employees, $25,000 for spouses and up to $10,000 for dependent children (some limitations may apply for currently disabled dependents or those with a life-threatening condition). Eligible Employees: If you and your dependents do not enroll within 31 days of your initial eligibility date, you may apply for coverage at your next annual enrollment period, but you will be subject to medical questions, and this review may result in coverage being declined. Imputed Income: Federal tax laws require you to pay taxes (based on IRS tables) on the cost of any company-provided life insurance coverage over $50,000. This cost is considered imputed income and will be added to your gross taxable income.
Basic Life and AD&D Insurance
$300,000
A fundamental element of any benefits package is life insurance which is designed to protect you and your loved ones from financial hardships related to an untimely death. NMHS provides you with $250,000 of Basic Life Insurance. This benefit is provided to you at no cost. When you are age 70 or older, your Basic Life Insurance benefit will reduce to 50% of the benefit at age 70. Spouses and dependents will receive $10,000 of coverage.
Basic Life for Physicians
A fundamental element of any benefits package is life insurance which is designed to protect you and your loved ones from financial hardships related to an untimely death. NMHS provides you with 1 times your annual compensation rounded to the next higher $1,000 up to $50,000 of Basic Life Insurance. This benefit is provided to you at no cost. When you are age 70 or older, your Basic Life Insurance benefit will reduce to 50% of the benefit at age 70. Spouses and dependents will receive $10,000 of coverage.
Basic Life for All Other Employees
Life Insurance
Death is not the most popular topic, but it’s inevitable for us all. Preparing for that day is our responsibility.
One way is through providing financially for our loved ones. Life insurance offers that gift.
A fundamental element of any benefits package is life insurance designed to protect you and your loved ones from financial hardships related to an untimely death. Accidental Death and Dismemberment Insurance pays a benefit to your beneficiary if your death is caused by an accident. Cardenas Markets provides Executive Team Members with 1 times their Basic Annual Earnings up to a maximum of $100,000 of Basic Life and AD&D through Anthem BlueCross. This benefit is provided to you at no cost. This benefit includes an accelerated death benefit which allows you to receive up to 75% of your basic life benefits to be paid out while you are living, if you are terminally ill with less than 12 months to live. A waiver of premium is also included which enables Cardenas Markets to continue your life insurance coverage until you turn 65 should you become totally disables and unable to work prior to age 60. Speak to your Benefits Educator to learn more.
Basic Life and Accidental Death & Dismemberment Insurance
Rates for Optional Life and Accidental Death & Dismemberment Insurance
You may purchase additional Optional Term Life insurance through Anthem Blue Cross to meet your personal family needs. Protecting your family’s future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable Supplemental Life insurance at a low group rate. You pay the total cost of this benefit through convenient payroll deductions.
Optional Life and Accidental Death & Dismemberment Insurance
Regular employees
If you suddenly didn’t receive a paycheck, how would you pay your bills? The unexpected could happen at anytime.
Disability
Disability Insurance
Click here to watch a short video about this benefit
All executives are provided company-paid Short-Term Disability insurance through Anthem BlueCross. Under this program, the maximum amount of time that benefits can be paid for a disability caused by an accident and/ or sickness is 25 weeks. This program may provide 60% of your earnings up to a maximum of $2,770 per week once you have been out of work for 8 consecutive days. Pr e-existing conditions do not apply for those where symptoms were present 3 months prior to your effective date or for a disability that begins in the first 12 months after the effective date.
Short-Term Disability Insurance
Voluntary Long-Term Disability Insurance Rates
All executive Team Members are provided company-paid Long-Term Disability insurance through Anthem BlueCross. This offering can provide you with the security of knowing you will have income replacement in the event of an extended disability due to an illness or accident. Upon approval of a disability claim, you will receive 60% of your monthly salary to a maximum monthly benefit of $12,000 once you have been out of work for 180 consecutive days. Pre-existing conditions do not apply for an illness or injury where symptoms were present 3 months prior to your effective date or for a disability that begins in the first 12 months after the effective date.
Long-Term Disability Insurance
over 750 Americans suffer an injury severe enough to seek medical help.
Every 10 minutes
Advantages of the Plan
Unum’s Accident Insurance can pay benefits based on the injury you receive and the treatment you need, including emergency-room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and co-pays. Family coverage is available. • Coverage is available to all eligible employees who are actively at work. • You can buy coverage for your spouse and dependent children. • No health questions to answer. If you apply, you automatically receive the base plan. • This plan includes convenient payroll deduction, so you don’t have to remember to write a check for your premiums. • Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions. Unum will bill you directly. • Coverage becomes effective on the first day of the month in which payroll deductions begin. • Benefits are paid for accidents that occur off the job.
Accident
Accident Insurance
Universal LifeEvents What is Universal LifeEvents?
Need more information? View this flyer!
LifeEvents is permanent life insurance that helps shield your family from financial hardship if you or your spouse is suddenly out of the picture. It’s that simple. LifeEvents: • Helps provide permanent financial protection • Is a financial tool that helps you manage life at every stage – from supporting a family to sending your children to college to the need for long-term care • Builds cash value over time that you can access for life’s challenges and life’s opportunities How does it work? With LifeEvents, benefits can be paid as a Death Benefit, as Living Benefits, or as a combination of both. Death Benefit The main reason people have life insurance is for the death benefit. A death benefit puts money in your family’s hands quickly when they need it most. It’s money they can use any way they want to help with expenses such as: • Funeral costs • Rent or mortgages • A college education for your children or grandchildren • Household debt • Retirement and more Living Benefits Living benefits make it easy to advance part of your death benefit to help pay for home healthcare, assisted living, nursing home and adult day care services, should you ever need them. Features you’ll appreciate • Lifelong Protection – Provides coverage that will last your lifetime. • Family Coverage – Apply for your spouse, children and grandchildren even if you choose not to participate. • Terminal Illness Benefit – Accelerates up to 75% of your death benefit if your doctor determines your life expectancy is 24 months or less. • Portability – Take your coverage with you and pay the same premium if you change jobs or retire. • Guaranteed Renewable – Guaranteed coverage, as long as your premiums are paid. Your premium may change if the premium for all policies in your class changes. • Convenient Payroll Deduction – No bills to watch for. No checks to mail. A direct bill option is available when you change jobs or retire. Separately priced benefits • Accidental Death Benefit – Doubles the death benefit if death occurs by accident prior to age 75. • EZ Value – Automatically raises your benefits to keep pace with your increasing needs, without additional underwriting.
Universal Life Insurance Why do you need it?
Take a moment, now, to think about life as you know it. Then ask yourself this: If something happens to you, what happens to your family? • Will they be able to keep your home? When someone dies, family income may be significantly reduced. • How much would your children’s lives change? Without you, how will their college dreams come true? With Universal Life, benefits can be paid as a Death Benefit, as Living Benefits, or as a combination of both.The main reason people have life insurance is for the death benefit. A death benefit puts money in your family’s hands quickly when they need it most. It’s money they can use any way they want to help with expenses such as: • Funeral costs • Rent or mortgages • A college education for your children or grandchildren • Household debt • Retirement and more Living Benefits make it easy to advance part of your death benefit to help pay for home healthcare, assisted living, nursing home and adult day care services, should you ever need them.
Get lifelong protection that builds cash value.
Whole Life
Whole Life Insurance
Who Can Get Coverage?
There are two Life coverage option(s) available for your spouse. You may purchase an individual policy up to $75,000 or a Spouse Term Life benefit with coverage available from $5,000- $25,000 that lasts for 20 years.There are two Life coverage options available for your children. You may purchase an individual policy to cover one child or grandchild up to $50,000, a Child Term Life benefit which covers all eligible children up to $10,000 that will end when the last child turns 25 or both.
Unum’s Whole Life Insurance is designed to pay a death benefit to your beneficiaries but it can also gain cash value you can use while you are living. This benefit offers an affordable, guaranteed level of premium that won’t increase due to age. Unlike term life insurance offered through the workplace, this coverage can continue into retirement. • Coverage is available to eligible employees age 15 to 80 who are actively at work. • You can buy coverage for your spouse and dependent children. • The policy accumulates cash value at a guaranteed rate of 4.5%. Once your cash value builds to a certain level, you can borrow from the cash value or use it to buy a smaller “paid-up” policy with no more premiums due. • You get affordable rates when you buy this policy through your employer, and it is paid for through convenient payroll deduction. • You own the policy so you can keep this coverage if you leave the company or retire. Unum will bill you directly. • Coverage becomes effective on the first day of the month in which payroll deductions begin. • During enrollment, you may be able to get this insurance up to a specified amount without answering any health questions. No medical exam will be required.
• You can buy coverage for your spouse ages 17 to 64 with purchase of employee coverage. Benefit amount options are $5,000 or $10,000. • All eligible dependent children ages newborn until their 26th birthday, regardless of marital or student status, are automatically covered at 25% of the employee benefit amount at no additional cost. Eligible children are covered for the same conditions as the employee and the following specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. Diagnosis must occur after the child’s coverage effective date. • You can use this coverage more than once. If you receive a full benefit payout for a covered illness, your coverage can be continued for the remaining covered conditions. The diagnosis of a new covered illness must occur at least 90 days after the most recent diagnosis. Each condition is payable once per lifetime. • Coverage is portable. You may take the coverage with you if you leave the company or retire, without having to answer new health questions. Unum will bill you directly. • Wellness Benefit – Based on the plan selected by your employer, this benefit can pay $50 per calendar year per insured individual if a covered health screening test is performed, including blood tests, stress tests, colonoscopies, mammograms, and chest X-rays. A full list of covered tests will be provided in your certificate.
Group Critical Illness
Group Critical Illness Insurance
• Heart attack • Blindness • Major organ failure • End-stage renal (kidney) failure • Coronary artery bypass surgery (pays 25% of lump-sum benefit) • Benign brain tumor • Stroke (evidence of persistent neurological deficits confirmed at least 30 days after the event) • Coma (resulting from severe injury lasting 14 consecutive days or more) • Permanent paralysis (complete and permanent loss of the use of two or more limbs for a continuous 90 days as a result of a covered accident)
What Is Covered?
Unum’s Group Critical Illness Insurance can help protect your finances from the expense of a serious health problem, such as a stroke or heart attack. Cancer coverage is also available. You choose a lump-sum benefit up to $15,000 that’s paid directly to you at the first diagnosis of a covered condition. You can use the benefit any way you choose. You may choose to select this benefit for an additional premium: • Cancer • Carcinoma in situ (pays 25% of the lump-sum benefit) Please refer to the policy for complete details about these covered conditions.
Covered conditions with time limitations:
• Stroke (evidence of persistent neurological deficits confirmed at least 30 days after the event) • Coma (resulting from severe injury lasting 14 consecutive days or more)
Help protect your finances during life-changing events
for an information video
Click Here!
Confidential
Member Advocacy
Transparency Tools – Do You Want To Reduce Your Medical Expenses?
Understanding Your Benefits
Advocacy & Transparency
You have a health care advocate for that!
Cardenas Markets is pleased to introduce an Advocacy & Transparency service through DirectPath. This is your single resource – one telephone number – for advocacy, transparency, benefit education, and enrollment assistance. DirectPath Advocates can help you navigate the health care system with medical, dental, and vision benefits.
Monday – Friday 8 a.m. – 5 p.m. CT and Saturday 8 a.m. - 1 p.m. CT
or via email at advocate@directpathhealth.com
To contact your DirectPath Advocate, call (855) 669-1456
Your Advocate becomes your first point of contact for all benefit-related questions and will educate you on the benefit programs offered through your employer to help you understand the programs best suited for you and your family! Helping you navigate the health care system, your advocate assists you in resolving claim and billing issues, or helping you determine your potential out-of-pocket costs for services. From scheduling appointments to seeking referrals for second opinions, DirectPath can: • Assist with medical and prescription drug claim questions and resolution • Locate providers and schedule appointments • Research physicians and facilities • Search for in-network providers for our benefit programs – helping reduce your out-of-pocket costs for treatment DirectPath’s unique transparency reporting reveals insight into health care costs – educating and enabling you to be a more-informed consumer. Prices vary greatly depending on where you live and where you receive treatment. Call DirectPath in advance of scheduling any elective test or procedure. Your Advocate will develop and deliver to you a comprehensive Transparency Report, comparing the cost and quality of three providers. Then you can make an informed decision! These services are completely free and confidential and are available to you and your spouse.
Next Steps
This site describes the benefit plans available to you as an employee of Cardenas Markets. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. Cardenas Markets reserves the right to amend, modify, or terminate any benefit plan and/or cancel or modify any contributions, plan design, benefits provision or plan without prior notification. If there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.
Please remember, if you do not meet with a Benefits Educator, you will not be enrolled in any benefits for the 2018-2019 plan year.
Benefits Department Email: Benefits@CMKTS.com
Michelle Chavez HR Benefits Coordinator Phone: 909-923-7426 ext. 1309 Email: MChavez@CMKTS.com
Juan Vega Director of Benefits & Compensation Phone: 909-923-7426 ext. 1303 Email: JVega@CMKTS.com
2750150025
2750150026
Life: 2750150020 AD&D: 2750150023
Core Plan: 2750150009 Buy-Up Plan: 2750150079
PPO Plan: 275015M007 HMO Plan: 275015H001
• You are required to meet with a Benefits Educator to guarantee, waive, or change your benefits for the 2018-2019 plan year. • Cardenas Markets newly hired Team Members should schedule a telephonic enrollment appointment on this site or by calling (855) 669-1456. Have your dependent and beneficiary information (Social Security Number & Date of Birth) available during your designated appointment time. • Carefully read this Enrollment Guide and have it accessible during your upcoming confidential enrollment meeting. • Following your appointment, review your elected benefits on your confirmation statement to ensure all elections are correct for the plan year.
Next Steps & Important Contacts