Understanding Your Coverage and Costs

Modified on Sun, 27 Sep at 9:16 AM

Purpose

Where to see what you are enrolled in, what it costs you each paycheck, what your employer pays, and where the related documents live.

Your Benefits Dashboard

The Benefits tab shows your current elections: each plan, who is covered under it, and what it costs.

Two numbers matter for every plan:

  • Your cost is the amount taken from your paycheck.
  • Employer contribution is what your company pays toward the same plan. It does not reduce your pay. It is the part of the premium you are never billed for.

Your Enrollment History, reached from the Quick Link on your home page, keeps your elections from previous years.

Where the money shows up

Your share appears as deductions on your pay stub, and your employer's share appears under employer contributions. See Understanding Your Pay Stub.

When deductions start

If your employer runs payroll in UZIO, a benefit deduction is taken from every paycheck dated on or after the day your coverage starts. The pay date is what counts, not the dates the paycheck covers. For example, with coverage starting 1 January, a paycheck for 16 to 31 December that is paid on 5 January already includes the deduction. Enrolling early does not start deductions early: a November enrollment for January coverage takes nothing from December paychecks.

Your share is worked out from the annual cost of the plan and spread across the paychecks in the plan year. A benefit you waived takes nothing from your pay.

Why a deduction changed

If a deduction is not what you expected, the usual causes are:

  • A new plan year, with new rates.
  • A mid-year life status change.
  • A change of coverage tier, for example adding a dependent.
  • For a tax-savings account such as an FSA or HSA, a mid-year change: the new amount is spread over the paychecks left in the plan year, so each one changes.
  • Your first paycheck dated on or after your coverage start date, when the deduction appears for the first time.

Compare the deduction on the stub with your cost on the Benefits Dashboard. If the two disagree, ask your HR team before assuming the stub is wrong, since the correction has to be made on the benefits side.

Documents and cards

  • Insurance cards are issued by your carriers and sent to you directly. UZIO does not produce, distribute or store them. If a card has not arrived, contact the carrier or your HR team.
  • Claims are handled by your carrier. UZIO holds no claim information.
  • Plan documents your employer has shared are normally with your other documents under My Info. If you cannot find a summary of benefits or a plan booklet there, ask your HR team for it.

On the mobile app

Enrollment and any change to your elections are done in the employee web portal. Whether the app shows your current benefits is being confirmed, so use the web portal when you need to be sure of what you are covered for. See Using the UZIO Mobile App.

Need help?

  • What a plan covers, what a claim paid, network questions: your carrier.
  • Which plans your company offers, eligibility, rates, enrollment windows: your company's HR or benefits team, or its broker.
  • A cost or deduction that does not match your election: your HR team.

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