What You Need To Know
You’ll enroll in medical benefits through the Aon Benefit Experience (BenX) on the Benefits Service Center portal, which is accessible via Single Sign-On from HR Now by selecting My Benefits. BenX makes it easy to find the right fit. Just choose your coverage level, the price you want to pay, and the insurance carrier you want to work with.
What You Need to Do
You must enroll to get the medical coverage you want! If you don’t enroll—or you enroll in no medical coverage but you don’t submit the Hawaii medical coverage waiver form (HC-5)—you’ll be covered by the lowest cost Gold medical option through HMSA. And, to contribute to a Flexible Spending Account (FSA), you must make an active election. An FSA allows you to set aside dollars from your pay on a pre-tax basis to reimburse yourself for qualified medical, dental, and vision expenses. The FSA contribution limit is $3,300 for 2025. Once you enroll and set your annual contribution, you cannot change that amount during the year (except in the case of certain qualified life events).
Waiving Medical Coverage?
If you elect “no medical coverage,” the state of Hawaii requires that you complete and submit a Hawaii medical coverage waiver form (HC-5). A copy of this form will be sent to you through the U.S. mail. By completing this form, you claim to be exempt from coverage requirements under the Prepaid Health Care Act. After completing it, please return it to the Benefits Service Center at the address provided. You will be covered by the lowest cost Gold medical option through HMSA until the form is received.
Make sure to review or update your address by visiting the Benefits Service Center portal. A copy of the HC-5 form can also be found here.
Get More
- Learn more about the Be Well@Red Cross wellbeing program and how to participate.
- After you’ve enrolled, use the prescription drug and transition of care worksheets so you’ll know how to use your benefits effectively when the plan year starts.
Need Help?
If you need additional assistance, you can contact a customer service representative through the Benefits Service Center at 1-877-860-7526 from 9:00 a.m. to 5:00 p.m. ET Monday through Friday or through Chat With Us on the Benefits Service Center portal.
Questions about Coverage?
Start by contacting the medical insurance carrier directly. They know their coverage rules best.
Contact a Health Pro
If you have additional questions or need assistance resolving your claims or billing questions, Health Pros are available to help. Email a Health Pro at [email protected] or call 1.866.300.6530.