Open Enrollment

Growing Our Network 

FMOLHS has invested time in growing our employed primary care and specialty network as well as our preferred partners to provide you with convenient access to care. All providers in the FMOLHS customized network are in the EPO network and the PPO Tier 1 and Tier 2 network.

To search for providers in the EPO or PPO Network, please visit My Health Tool Kit.

Medication Copay Savings and Personal Services Available through RxONE

RxONE is our FMOLHS-owned, in-house pharmacy that offers reduced copays for mail order/ 90-day supply prescriptions and for specialty medications from preferred providers. In addition to discounts, RxONE offers team members personal service through their in-store or curbside delivery options, faster fill times, immunizations and ease of access to our pharmacists. Select an RxONE location as your pharmacy of choice and start taking advantage of these savings and personalized service options for your medications.

Reduced Health Premium Available Through Our Just Premium Program

We recognize that health insurance can be a significant expense, which is why we offer a discounted premium opportunity called, Just Premium. Team members must apply to be considered for the program which is based on total household income. To apply complete this application and submit your 2023 Federal Income Tax Return by November 15.

New Service Provider for the Employee Assistance Program

Your health and well-being are a top priority for us. That’s why we continually seek the best services to provide a comprehensive range of benefits to meet all your needs.
Starting January 1, 2025, your Employee Assistance Program (EAP) will now be serviced through Supportlinc.

Expanded Coverage for the EPO Plan

We are expanding coverage to our EPO Plan to offer you greater benefits. Starting January 1, 2025, if you are enrolled in the EPO plan and you or your covered dependents need emergent care services while traveling outside of our service markets, you will be able to access urgent care with a copay of $60.

Updates to Medical Plan Premiums

There will be minimal changes to the team member contributions for some of the medical plans. As always, FMOLHS covers most of the cost of your health insurance so that you can focus on receiving the care that fits your needs.

Dental Buy-Up Plan Enhancement

For the 2025 plan year, FMOLHS is enhancing the Buy-Up Dental Plan. While there will be a minimal increase in dental contributions, team members who elect the Buy-Up Plan will have increased annual plan maximums and lifetime orthodontic maximums.

Prescription Benefit Updates

For 2025, the copay for generic and preferred diabetes prescriptions and supplies will change. These drugs and supplies will now be subject to the standard copay based on their tier and will no longer be offered at a $0 copay.
Additionally, we are introducing Encircle RX, a clinical program for GLP1 medications for diabetes (which is the only indication for these medications covered under our Medical Plans).

Network Updates

The FMOLHS primary care and specialty network continues to grow and offer even more convenient access to care including extended hours and video visits. New providers and locations have also been added to ensure that team members have access to more primary care, and virtually every specialty. It’s important to review the updated online provider directory to confirm your provider(s) are in network.

Updated Just Premium Income Limits

We’ve updated the income limits for our Just Premium health plan contributions to match the Federal Poverty Level guidelines set by Health & Human Services. This change keeps up with inflation.

Voluntary Employee Life Insurance Update

We are enhancing the voluntary employee life insurance options for the 2025 plan year. During Open Enrollment, you now have the flexibility if currently enrolled to increase or decrease your coverage by $10,000 or $20,000 increments, allowing you to better meet the needs of you and your family.