1. Review your 2024 Benefits Guide.
2. When you are ready to enroll, call
855-687-2163 (between the hours of
7 AM to 8 PM CST) and choose prompt
1 to schedule your appointment.
Need help navigating your Benefits?
Click Here to find out how your Advocate can Help.
Managers Resources
New Hire
You Have A Healthcare Advocate!
Optavise Advocates can help you navigate the health care system and answer questions you have about your benefits offered by Highgate. Contact your Advocate by calling 855-687-2163 or by email at advocate@optavise.com.
855-687-2163
7:00 AM – 8:00 PM CT, Monday – Friday
Optavise Service Center
Managers Flyer >>
Managers Webinar >>
Programe su Cita de Inscripción Abierta en Español >>
Click Here for Instructions
on How to Enroll >>
Open Enrollment
Click Here for Instructions
on How to Enroll >>
Programe su Cita de Inscripción Abierta en Español >>
Newly Acquired Associates
Click Here for Instructions
on How To Enroll >>
1. Review your 2024 Benefits Guide.
2. When you are ready to enroll, call
855-687-2163 (between the hours of 7 AM
to 8 PM CST) and choose prompt 2 OR
click here to schedule your new hire
appointment
HIE Spokane Airport
Click Here for Instructions
on How to Enroll >>
Programe su Cita de Inscripción Abierta en Español >>
Need help navigating your Benefits?
Click Here to find out how your Advocate can help.
Hawaii
& Graduate Providence RI
1. Click here to schedule your appointment OR
Call 855-687-2163 prompt 1
2. Click here to self-enroll. Click here for instructions.
3. Review your 2025 Benefits Guide.
Support for Life's Events
Qualified Life
Event Information >>
Aflac Claim Form >>
Coming
Soon!
View Your
Benefits Guide >>
Manager Flyer - Spanish >>
Open Enrollment
Associate Poster >>
Manager Flyer - Spanish >>
Open Enrollment
Associate Poster >>
Documents & Resources
Lincoln Financial
EOI Instructions >>
Lincoln Financial
EOI Instructions - Spanish >>
View Your
Benefits Guide >>
View Your
Benefits Guide >>
If you have a Qualifying Life Event, call
855-687-2163 (between the hours of 7:30 AM to 7 PM CST) and choose prompt 5.
View Your 2025
Benefits Guide >>
Programe su Cita de Inscripción Abierta en Español >>
View Your 2024
Benefits Guide >>
Newly Acquired Associates
Click Here for Instructions
on How To Enroll >>
Coming
Soon!
Best Western on the Bay
Kimpton Palladian Hotel Seattle
Click Here
HIE Spokane Airport
Click Here
Best Western on the Bay
The
Muse NY
When you are ready to enroll, call
855-687-2163 (between the hours of 7 AM to
8 PM CST) and choose prompt 1 to schedule your appointment.
Embassy Suites TIGARD
Kimpton Palladian Hotel Seattle
Hampton Inn Miami Beach
Click Here
11/7 - 11/8
11/4 - 11/5
10/3 - 10/7
1. Revise su Guía de Beneficios 2025.
2. Llame al 855-687-2163 y elija el mensaje 2 O
Haga clic aquí para programar su cita.
1. Click here to schedule your appointment OR
Call 855-687-2163 prompt 2
2. Review your 2025 Benefits Guide.
1. Haga clic aquí para programar su cita O Llame
al 855-687-2163 indicación 2
2. Revise su Guía de Beneficios 2025.
1. Click here to schedule your appointment OR
Call 855-687-2163 prompt 2
2. Click here to self-enroll
3. Review your 2025 Benefits Guide.
1. Haga clic aquí para programar su cita O Llame
al 855-687-2163 indicación 2
2. Haga clic aquí para autoinscribirse
3. Revise su Guía de Beneficios 2025.
1. Click here to schedule your appointment OR
Call 855-687-2163 prompt 2
2. Click here to self-enroll. Click here for instructions.
3. Review your 2025 Benefits Guide.
1. Haga clic aquí para programar su cita O
Llame al 855-687-2163 indicación 1
2. Haga clic aquí para autoinscribirse.
Haga clic aquí para obtener instrucciones.
3. Revise su Guía de Beneficios 2025.
Coming
Soon!
muy pronto
Coming
Soon!
Coming
Soon!
MuY
Pronto
2025
Documents & Resources
Legal Notices >>
View Your 2022 FSA Enrollment INFORMATION
Hawaii and Rhode Island - Graduate Providence Associates Only
View Your 2022
Benefits Guide
Royal Lahaina Acquisition
Newly acquired associates! Please call 855-687-2163 and select prompt 6. Only New Hires require a scheduled appointment
PAGODA
HAWAII
Mansion on Forsyth Park
View Your
2022 Benefits Guide
Coming Soon
IF YOU ARE A RHODE ISLAND OR HAWAII ASSOCIATE ...
1. Review your 2022 Benefits Guide.
2. You will receive information on enrollment dates from your
location/HR. When you are ready to enroll, call 855-687-2163
(between the hours of 7:00 AM and 10:00 PM CT) and choose
prompt 2.
1. Review your 2022 Benefits Guide.
2. You will receive information on enrollment dates from your
location/HR. When you are ready to enroll, call 855-687-2163
(between the hours of 7:00 AM and 8:00 PM CT) and choose
prompt 6.
1. Review your 2022 Benefits Guide.
2. You will receive information on enrollment dates from your
location/HR. When you are ready to enroll, call 855-687-2163
(between the hours of 7:00 AM and 8:00 PM CT) and choose
prompt 6.
1. Review your 2022 Benefits Guide.
2. You will receive information on enrollment dates from your
location/HR. When you are ready to enroll, call 855-687-2163
(between the hours of 7:00 AM and 8:00 PM CT) and choose
prompt 6.
CLICK HERE FOR INSTRUCTIONS ON HOW TO ENROLL
Need help navigating your Benefits?
Click Here to find out how your Advocate can Help.
Open Enrollment 2023
View Your 2023 Benefits Guide >>
Schedule Your Open Enrollment Apointment >>
As part of an Acquisition >>
View Your 2022 Benefits Guide >>
New Hires
Qualified Life Event Information >>
Support for Life's Events
Documents & Resources
Chubb Claim Form >>
Schedule Your New Hire Apointment >>
You Have A Health Care Advocate!
DirectPath Advocates can help you navigate the health care system and answer questions you have about your benefits offered by Highgate. Contact your Advocate by calling 855-687-2163 or by email at advocate@directpathhealth.com.
855-687-2163
7:00 AM – 8:00 PM CT, Monday – Friday
DirectPath Service Center
You cannot change your benefit elections during the plan year unless you have a life status change event in your immediate family. Life status change events include:
• Marriage, divorce or legal separation
• Birth, death or adoption of a dependent
• Dependent reaching age limit
• Change in employment status of you or your spouse
If you have a life status change event, you must report the change to Highgate Benefits Department within 30 days of the event if you want to change coverage. Changes will be effective on the day of the event. If you do not make your changes during the 30-day change-in-status period, your changes cannot be made until the next Open Enrollment period.
• Change in coverage for you or your dependent
• Qualified medical support order
• Loss of coverage and/or eligibility under Medicare
• Medicaid or a Children’s Health Insurance Program
Making Changes During the Year
If you experience a life event that impacts your benefits, you must take action to request changes.
Making CHanges During the Year
Eligible Changes by Event
Required Documentation
Process
1. Submit your request for changes (with required documentation) within 30 days from the date of the event.
2. Gather necessary information such as names, Social Security numbers, dates of birth, and required documents.
3. Call 855-687-2163 to submit your request to a DirectPath QLE Benefits Educator.
4. During your call, the DirectPath QLE Benefits Educator will discuss required documents and deadlines with you.
5. Following your call, you will receive an email with instructions for securely sharing your required documents.
6. The DirectPath QLE Benefits Educator will work with you to verify the information you have provided is complete and approved.
Once requirements are met, you will receive an email confirming election changes and details on how to access your confirmation
statement.
If you leave a voicemail or request a callback, watch for a return call from area code 205.
Qualifying Event
Eligible Plans
NEED ASSISTANCE?
[CEROS OBJECT]
855-687-2163
If you need assistance with
a change in status, call the
DirectPath Benefits Service Center:
7:00 AM – 8:00 PM ET
Monday – Friday
Coverage Class Change Termination
Dependent’s Employment Status Change
Enrollment in Non-Employer Sponsored Coverage
Spouse’s Open Enrollment
• Medical
• Dental
• Vision
• Vol Life/AD&D
• Medical
• Dental
• Vision
• Chubb VB (Acc, CI, HI, Life)
Birth or Adoption
Increase in Hours Worked
Al Benefits, excluding FSAs
Loss of Dependent’s Employer Contribution
Reduction in Hours resulting in decreased Employer Contributions
Change of Dependent Status of Employee
Cancellation of Individual (Non-Employer Sponsored) Plan
Marriage or Marital Status Change
Change in Dependent Status – Over Age 26
Enrollment in Medicare/Medicaid/State Assistance
Divorce/Legal Separation or Marital Status Change
Termination of Medicaid/State Assistance
• Medical
Court-Ordered Dependent Child Addition or Cancellation
• Medical
Death of Child or Spouse
Change of Residence to USA
Company Transfer
Student Status Change
Voluntarily Dropping Coverage
• Chubb VB (Acc, CI, HI, Life)
Coverage Class Change Termination
Dependent’s Employment Status Change
Enrollment in Non-Employer Sponsored Coverage
Spouse’s Open Enrollment
Loss of Dependent’s Employer Contribution
Reduction in Hours resulting in decreased Employer Contributions
Change of Dependent Status of Employee
Cancellation of Individual (Non-Employer Sponsored) Plan
Birth or Adoption
Increase in Hours Worked
Marriage or Marital Status Change
Change in Dependent Status – Over Age 26
Enrollment in Medicare/Medicaid/State Assistance
Divorce/Legal Separation or Marital Status Change
Termination of Medicaid/State Assistance
Court-Ordered Dependent Child Addition or Cancellation
Death of Child or Spouse
Company Transfer
Student Status Change
Voluntarily Dropping Coverage
Change of Residence to USA
Qualifying Event
None
Documentation that includes:
• Name of the newly enrolled plans (Medical/Dental/Vision)
• Name of each person covered under each plan,
and
• Effective date of the new plans on company letterhead/logo
Documentation that includes:
• Plans previously enrolled under
• Name of each person covered under each policy, and
• Effective date of termination on company letterhead/logo
• A State Issued Birth Certificate, or
• Hospital Documentation that shows the name of the
newborn, the parents of the newborn, and the date of birth on
hospital letterhead/logo
None
State Marriage Certificate with:
• Names of the married party, and
• Date of marriage
The award letter, on company letterhead/logo, that includes:
• Name of coverage
• Each person covered under the new policy, and
• Effective date of the assistance
Documentation that includes:
• Names of parties legally separating or divorcing, and
• Judge-signed court order with the date of ruling
The termination letter, on company letterhead/logo, that includes:
• Name of coverage
• Each person previously covered under the policy, and
• Effective date of termination
The court-order ruling signed by the judge
Death Certificate including:
• Name of deceased
• Date of Death
This is not considered a Qualifying Life Event
None
Stakeholders and/or Dependents moving stateside must provide:
• Proof of residency
• Copy of passport
Benefits will begin on date of residency stateside (assuming new hire waiting period has been met).
Eligible Plans
• Chubb VB (Acc, CI, HI, Life)
• FSA
• Chubb VB (Acc, CI, HI, Life)
• FSA
• Medical
• Dental
• Vision
• Medical
• Dental
• Vision
• Chubb VB (Acc, CI, HI, Life)
• FSA
• Medical
• Dental
• Vision
• Vol Life/AD&D
• Vol STD/LTD
• FSA
• Medical
• Dental
• Vision
• Vol Life/AD&D
• Chubb VB (Acc, CI, HI, Life)
• Medical
• Chubb VB (Acc, CI, HI, Life)
• FSA
• Medical
• Dental
• Vision
• Vol Life/AD&D
• Vol STD/LTD
• Chubb VB (Acc, CI, HI, Life)
• FSA
• Medical
• Dental
• Vision
• Medical
• Dental
• Vision
• FSA
