Resource center.

Your Hub for
Associate Support

As leaders in benefits support, you play a key role in helping Rich’s associates understand and navigate their benefits. This page provides direct access to essential tools and resources to support conversations, answer questions and guide your teams through
enrollment and beyond.

SUPPORT FOR YOUR NEEDS

Find contact details for all Rich’s benefit partners.

open contact details
Resources
2026 Open Enrollment Kickoff Presentation

Open Enrollment details for 2026

Alight
CAP
Collective Health
Enrollment
ESI
Highmark BCBS
Kaiser
Medical
Mental Health
MetLife
Resources
2nd.MD 5 Reasons Flyer

5 reasons to get a second opinion before surgery.

Medical
2nd.MD
Resources
2nd.MD How it works Flyer

Medical
2nd.MD
Resources
AURA Identity & Fraud Protection - Video Toolkit

Aura
ID & Fraud Protection
MetLife
Resources
Accredo by Evernorth Specialty Pharmacy

Focused care for complex and chronic conditions.

ESI
Prescription
Accredo
Resources
Aura Identity & Fraud Protection - Account setup

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Account setup - Spanish

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Benefit Booklet

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Benefit Booklet - Spanish

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Benefit Overview

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Benefit Overview - Spanish

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Digital Protection

Protection for every stage of life.

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Plan summary

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Plan summary - Spanish

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection - Smart Family Safety Enrollment

Aura
MetLife
ID & Fraud Protection
Resources
Aura Identity & Fraud Protection FAQs

Aura
ID & Fraud Protection
MetLife
Resources
Aura Identity & Fraud Protection FAQs - Spanish

Aura
ID & Fraud Protection
MetLife
Resources
Blue365 Active & Fit

Gym membership information.

Highmark BCBS
Medical
Wellbeing
Resources
Blue365 overview

Highmark BCBS
Medical
Wellbeing
Resources
Blue365 savings and deals

Highmark BCBS
Medical
Wellbeing
Resources
Collective Health Welcome Portal

A walk through of the Collective Health portal.

Medical
Collective Health
Enrollment
New Hire
Prescription
Resources
Collective Health Welcome Portal walkthrough - English

Collective Health
Enrollment
Resources
Collective Health Welcome Portal walkthrough - Spanish

Collective Health
Enrollment
Resources
Collective Health member guide

Collective Health
Medical
Prescription
Enrollment
New Hire
Resources
Collective Health member guide - Spanish

Collective Health
Medical
Prescription
Enrollment
New Hire
Resources
Collective Health overview

Collective Health
Enrollment
Medical
Prescription
New Hire
Resources
Collective Health overview - Spanish

Collective Health
Enrollment
Medical
Prescription
New Hire
Resources
Confidential Assistance Program—Spring Health

Full details on access to Confidential Assistance Program services with Spring Health.

Wellbeing
Mental Health
CAP
EAP
Spring Health
Resources
Express Scripts by Evernorth 3-month Supply FAQs

ESI
Prescription
Resources
Express Scripts by Evernorth Home Delivery

Getting started with prescription delivery from Express Scripts by Evernorth.

ESI
Prescription
Resources
Express Scripts by Evernorth Home Delivery

2025 Home delivery and retail 3-month supply list.

ESI
Prescription
Resources
Express Scripts by Evernorth Mobile App

Details and QR code to get started with the Express Scripts by Evernorth mobile app.

ESI
Prescription
Resources
Express Scripts by Evernorth National Preferred Formulary Exclusions

2025 exclusions and alternatives list.

ESI
Prescription
Resources
Express Scripts by Evernorth Out-of-Pocket Protection Plan Overview

Overview and FAQs for the out-of-pocket protection plan.

ESI
Prescription
Resources
Express Scripts by Evernoth Preferred Member Formulary

2025 Express Scripts National Preferred formulary list.

ESI
Prescription
Resources
Financial Wellbeing with Spring Health

Building a budget and other financial related tools.

My Money
Spring Health
Resources
Finding in-network providers

More details on finding Highmark BCBS providers

Medical
Enrollment
Highmark BCBS
Resources
Highmark BCBS Balanced CDHP coverage

Summary of benefits and coverage for Highmark BCBS Balanced CDHP plan option.

Collective Health
Highmark BCBS
Medical
Resources
Highmark BCBS Complete PPO coverage

Summary of benefits and coverage for Highmark BCBS Complete PPO plan option

Collective Health
Highmark BCBS
Medical
Resources
Highmark BCBS Essentials PPO coverage

Summary of benefits and coverage for Highmark BCBS Essentials PPO plan option.

Collective Health
Highmark BCBS
Medical
Resources
Hospital Indemnity - Benefit Overview

Hospital
MetLife
Resources
Hospital Indemnity - Booklet

Hospital indemnity and why it matters.

Hospital
MetLife
Resources
Hospital Indemnity - Booklet - Spanish

Hospital indemnity and why it matters.

Hospital
MetLife
Resources
Hospital indemnity insurance coverage

Benefit overview

MetLife
Hospital
Voluntary
Resources
How the Essentials Plan works

Highmark BCBS
Medical
Essentials
Resources
How to find an in-network doctor

Collective Health
Highmark BCBS
Medical
Enrollment
Resources
How to find an in-network provider with Collective Health - English

Collective Health
Medical
Enrollment
Resources
How to find an in-network provider with Collective Health - Spanish

Collective Health
Medical
Enrollment
Resources
How to reach a Collective Health Member Advocate

Collective Health
Enrollment
Highmark BCBS
Medical
Prescription
Resources
ID theft

How to use services

Voluntary
Plan Document
Resources
Kaiser Balanced coverage

Summary of benefits and coverage for Kaiser's Balanced plan option

Kaiser
Medical
Prescription
Resources
Kaiser Complete coverage

Summary of benefits and coverage for Kaiser's Complete plan option

Kaiser
Medical
Prescription
Resources
Kaiser Essentials coverage

Summary of benefits and coverage for Kaiser's Essentials plan option

Kaiser
Medical
Prescription
Resources
Life Beneficiary and Calculator

Life insurance
MetLife
Resources
Life Insurance - Estate Planning

Life insurance
MetLife
Resources
Life Insurance - Will Preparation - FAQs

Life insurance
MetLife
Resources
MetLife & Aura - Identity Fraud Protection Video

ID & Fraud Protection
MetLife
Resources
MetLife Accident & Health - MyBenefits Overview

Accident
Hospital
MetLife
Resources
MetLife Accident Insurance - Benefit Booklet

Accident
MetLife
Resources
MetLife Accident Insurance - Benefit Booklet - Spanish

Accident
MetLife
Resources
MetLife Accident Insurance - FAQ Flyer

Accident
MetLife
Resources
MetLife Accident Video

Accident
MetLife
Resources
MetLife Accident coverage

Benefit overview

Accident
MetLife
Voluntary
Resources
MetLife Accident, Hospital Indemnity, and Critical Illness Claims

How to file a claim.

Accident
Hospital
Critical illness
MetLife
Resources
MetLife Accident, Hospital Indemnity, and Critical Illness Claims - Spanish

How to file a claim.

Accident
Hospital
Critical illness
MetLife
Resources
MetLife Critical Illness - Benefit Booklet

Critical illness
MetLife
Resources
MetLife Critical Illness - Benefit Booklet - Spanish

Critical illness
MetLife
Resources
MetLife Critical Illness - FAQ Flyer

Critical illness
MetLife
Resources
MetLife Critical Illness Claim Advocate

How it works.

Critical illness
MetLife
Resources
MetLife Critical Illness Insurance Video

Critical illness
MetLife
Resources
MetLife Critical illness coverage

Benefit overview

Medical
MetLife
Critical illness
Voluntary
Resources
MetLife Dental Insurance Video

Dental
MetLife
Resources
MetLife Dental Supplemental PPO FAQs

Dental
MetLife
Resources
MetLife Dental Wellness

Dental
MetLife
Resources
MetLife Dental coverage

Benefit overview

Dental
MetLife
Resources
MetLife Dental dual option booklet

Dental
MetLife
Resources
MetLife Dental dual option booklet - Spanish

Dental
MetLife
Resources
MetLife Dental options

Plan option comparison details

Dental
MetLife
Resources
MetLife Legal - Product Overview

Legal
MetLife
Resources
MetLife Legal - Product Overview - Spanish

Legal
MetLife
Answer
If I have credits from the Rich’s Wellbeing Program with Personify Health, how is this used?
Wellbeing
My Money
Personify Health

If you complete three out of seven Premium Credit Initiatives, you can save $600 on your medical premium through Personify Health. If your spouse completes the initiatives as well, that savings increases to $900. You can find more information by downloading the Personify Health app.

Answer
How do I find an in-network vision provider?
MetLife
Vision

Rich’s vision benefits are provided through MetLife for 2026. To locate an in-network vision provider:

1. Visit the MetLife Find a Vision Provider page.

2. Select "Superior Vision".

3. Enter your location details to see local in-network options.

4. If you’d like to narrow your search, you can add filters for provider name, services (like exams or glasses), or other preferences.

You’ll see a list of in-network providers with contact information, services offered, and languages spoken so you can find a provider that fits your needs.

Answer
How do I find an in-network dental provider?
Dental
MetLife

Rich’s dental benefits are provided through MetLife for 2026. To find an in-network dentist:

1. Visit the MetLife Find a Dentist page.

2. Select “PDP Plus” as your network.

3. Enter your ZIP code to view nearby in-network dentists or search by a specific provider’s name if you already have one in mind.

You can filter results by specialty, distance, and other preferences to find a provider that fits your needs.

Answer
What if I have questions about specific health conditions when evaluating plans, or want to know if my doctor is in-network?
Collective Health
Medical
New Hire
Enrollment

Collective Health is your source for support with questions about medical benefits. You can log in to the site, set your location, search by name or specialty, and quickly find in-network providers. You can also call Collective Health and talk with a real person if you’d rather get help over the phone.

Alternatively, you can visit https://www.myproviderconnect.com/find-a-doctor/ and follow these steps:

Select “Choose a location and plan” and enter your address, city or zip code. Then, confirm “Yes, this is correct.”  

Select “Don’t know your alpha prefix? Browse a list of plans.” in small text below the card example and boxes.  

Choose Medical Network Name: PPOBlue and confirm.

Answer
What's new this year?
Wellbeing
Dental
Vision
Collective Health
Medical

We’ve been listening and making meaningful changes based on your feedback:

  • Personalized guidance. All associates have 24/7 access to Collective Health, a team of healthcare experts ready to answer their medical and pharmacy questions. Alight is also be available to help associates navigate enrollment and all other benefits.
  • New medical plans. * With Highmark Blue Cross Blue Shield (BCBS), you’ll get access to the largest network in the country.
  • Straightforward choices. We’ve consolidated dental, vision, and voluntary benefits under one provider—MetLife.  
  • Balanced plan options. Each option is designed to balance coverage, cost, and support to meet a range of needs.
  • Streamlined pharmacy. Your prescription drug plan through ExpressScripts by Evernorth ensures access to a broad network of pharmacies nationwide and offers savings through mail order if you prefer to have your medication shipped to your front door.
  • More mental health resources. Expanded Confidential Assistance Program (CAP) support through Spring Health provides convenient, confidential therapy, coaching, and more.  

* In California, Kaiser remains an option.

We’re here to help

This is the best place to find answers to any questions you have about your benefits. You’ll also find helpful resources that’ll help you understand your benefits, choose plans that are right for you and make the most of everything available.

Your questions answered

Answer
What if associates ask whether their costs will increase?

Send associates to the Explore Plans page on this site where they can compare plans side by side, as well as download our interactive pricing tool that gives them personalized estimated costs.

Answer
What kind of reporting will HR see during Open Enrollment this year?

Watch for weekly updates from the Benefits Team on the HR Field & WHQ Teams site. Filter by site location to access associates’ enrollment status. Reports will show who is “enrolled” and who is “not enrolled” but will not include details about which benefits associates currently have or have chosen for 2026. Requests for individual reports will not be supported at this time.

Answer
How else can associates reduce out-of-pocket expenses?

There are smart ways for associates to cut costs on healthcare—and even get money back when unexpected events happen including

  • Voluntary benefits to help cover expenses
  • ~Critical Illness Insurance: Provides a cash payment if diagnosed with a covered condition like cancer, heart attack, or multiple sclerosis.
  • ~Hospital Indemnity Insurance: Pays for those hospitalized.
  • ~Accident Insurance: Pays cash for things like fractures, concussions, and other non-work-related injuries.
  • Pre-tax accounts to lower taxable income
  • ~Flexible Spending Accounts (FSAs):
  • ~~Health Care FSA – Use pre-tax dollars for eligible medical costs.
  • ~~Dependent Care FSA – Cover childcare or elder care with pre-tax funds.
  • ~~Commuter FSA – Save on commuting expenses like transit passes or parking with pre-tax dollars.
  • ~~Health Savings Account (HSA) – Save tax-free dollars for medical expenses now or in the future. HSA balances roll over year to year and are available—even when there is a change to jobs or plans.
  • Health Reimbursement Account (HRA)– Rich’s funds $250 for individual or $500 for family coverage, when an associate is enrolled in the Essentials PPO plan.

Resource library

Resources
MetLife Superior Vision Benefit Booklet

Resources
MetLife Accident, Hospital Indemnity, and Critical Illness Claims - Spanish

How to file a claim.

Resources
MetLife Accident Insurance - Benefit Booklet - Spanish

Resources
MetLife Supplemental Life Insurance - Accidental Death Overview

Resources
MetLife Accident coverage

Benefit overview

Resources
MetLife Accident Insurance - FAQ Flyer

Resources
MetLife Accident Insurance - Benefit Booklet

Resources
MetLife Accident & Health - MyBenefits Overview

HELP AND SUPPORT

We’ve got you covered.

From enrollment questions to medical coverage details, our partners are ready with the answers you need. You can also reach out to HRHelp with general inquiries.

Collective Health is your go-to for everything from understanding your medical and prescription benefits to navigating a diagnosis or finding in-network providers.
Review or make changes to your benefits, manage your spending accounts, and more when you visit the Alight portal.