Medical
MEDICAL MANAGEMENT: AIMM
877-217-7695
Network: First Health
800-226-5116
Pharmacy: US-Rx Care
877-200-5533
Pharmacy search and member portal:
Mail order prescription:
Free brand name medications: ScriptSourcing
Hospital Bill Negotiation Service: Goodbill
Dental: Guardian
Basic and Voluntary Term Life and AD&D: Guardian
800-525-4542
Short-Term and Long-Term Disability: Guardian
STD: 800-268-2525
LTD: 800-538-4583
Accident: Guardian
800-627-4200
Cancer: Guardian
800-627-4200
Hospital Indemnity: Guardian
800-627-4200
Benefits That Support You Every Step of the Way
Direct Med Clinic -Your Medical Home
Frequently Asked QuestionS
📋 General Questions
Q: Do I have to enroll if I’m not making any changes this year?
Yes—all employees must log into Employee Navigator and complete enrollment, even if you're not making changes.
Q: Can I cover my spouse or kids?
Yes! You can cover your legal spouse and children up to age 26 (or older if they’re disabled and can’t support themselves).
🩺 Medical + Direct Primary Care (DPC)
Q: How do I see a doctor—and what does it cost?
You start with DirectMed Clinic. T&D pays the membership, so you get unlimited visits for cuts, checkups, or chronic issues—with no bill and no copays. Labs, stitches, X-rays, and common prescriptions are also covered at no cost to you.
Q: What if I want to see a doctor outside of DirectMed?
If DirectMed refers you, your care is covered at 100%. If you go on your own to a First Health provider, you’ll have a copay—and you’ll pay deductible and coinsurance for things like surgeries or hospital stays.
💊 Pharmacy
Q: How do prescriptions work?
Most prescriptions are handled through DirectMed or US-Rx Care, and over 1,100 common drugs are fully covered. Need something brand-name? You may be able to get it for free through ScriptSourcing.
😁 Dental
Q: How do prescriptions work?
Yes, as long as they’re in the DentalGuard Preferred Network. Preventive care is covered, and you can choose between a Base or Buy-Up plan depending on how much dental work you expect.
👓 Vision
Q: Does the vision plan cover glasses or contacts every year?
Yes. The plan includes an annual eye exam and an allowance for glasses or contact lenses.
💼 Basic Life and AD&D (Company-Paid)
Q: Do I get life insurance through work?
Yes! T&D provides basic life and accidental death & dismemberment coverage at no cost to you. You’ll just need to choose a beneficiary in Employee Navigator.
➕ Voluntary Life and AD&D
Q: Can I buy extra life insurance for myself or my family?
Yes. You can add coverage for yourself (up to 5x your pay), your spouse, and your children. Premiums come out of your paycheck.
⏳ Short-Term Disability (STD)
Q: What if I get hurt or sick and can’t work for a few weeks?
STD helps replace your income if you miss work. You get 60% of your weekly paycheck, starting after 7 days.
🕰 Long-Term Disability (LTD)
Q: What if I’m out for a longer period—like a serious illness or surgery recovery?
LTD kicks in after 90 days and pays 60% of your monthly income while you recover, up to your Social Security retirement age.
🚑 Voluntary Benefits
Q: What does the Accident Plan do?
It pays you cash if you get injured—broken bones, ER visits, ambulance rides, etc.—to help cover extra costs your insurance doesn’t.
Q: What does the Cancer Plan cover?
It helps pay for care and out-of-pocket expenses if you’re diagnosed with cancer. The amount you receive depends on the treatment.
Q: What’s Hospital Indemnity Insurance?
This coverage pays you when you’re hospitalized. It’s cash in your pocket to help with bills or lost income while you’re out.
For other questions, ask us via chat.
