West Virginia PEIA
Mountaineer Flexible Benefits
West Virginia Employee Flexible Benefits
Plan Year 2025
Benefit summaries and reference materials are available here, including claim forms and answers to common questions. A general overview of all benefits, and information about how to enroll, file a claim, change your coverage, and more, can be found in our online Employee Flexible Benefits Guide.
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Accident Insurance
Accident insurance is designed to cover unexpected expenses that result from all kinds of accidents, even sports-related and household ones. It provides cash benefits to cover things your health insurance doesn’t, such as deductibles, copayments, transportation and lodging costs, everyday bills and more.
Dental
Routine dental check-ups help you and your family maintain healthy gums and teeth. With Sun Life as your Dental provider, there are two different Dental plans to choose from. Check out your guidebook for more information.
Vision
Your vision health is an important part of complete wellness. Vision benefits from Sun Life are designed to give you and your covered family members the care, value, and service to help maintain good vision and overall health.
Hearing
When it comes to your hearing, it’s important to be clear about your insurance coverage. Hearing insurance provides a range of benefits that may not be available under your standard medical plan. As you age, hearing insurance can be an important consideration for you and your family’s quality of life.
Group Hospital Indemnity
This plan provides financial assistance when you are confined to a hospital. It allows you to avoid dipping into savings, or having to borrow to cover out-of-pocket expenses that health insurance was never intended to cover, such as transportation, meals for family members, help with child care cost, and time away from work.
Legal Insurance
Affordable and reliable legal counsel for everyday life matters – like a dispute with a contractor, buying or selling a home, or the need for estate planning. The plan provides you with peace of mind knowing that attorney fees for most covered legal matters are 100 percent paid in full when you work with a Network Attorney.
Critical Illness Insurance
Critical Illness Advantage Insurance is a way for employees to help themselves stay ahead of the medical and out-of-pocket expenses that can accompany certain medical events. For example, many lump-sum critical illness plans pay benefits when an individual experiences a covered event such as a heart attack, stroke, major human organ transplant, coma, paralysis, cancer (Internal or Invasive), and more.
Group Short-Term Disability Insurance
You count on your paycheck to provide the things you need today and to achieve the dreams you have for tomorrow. But, what would happen if it were suddenly taken away because of an unexpected covered injury or illness? Disability Income insurance replaces part of your paycheck when you are disabled and unable to work. It can help you meet financial obligations when you don’t have a paycheck coming in.
Group Long-Term Disability Insurance
You count on your paycheck to provide the things you need today and to achieve the dreams you have for tomorrow. But, what would happen if it were suddenly taken away because of an unexpected covered injury or illness? Disability Income insurance replaces part of your paycheck when you are disabled and unable to work. It can help you meet financial obligations when you don’t have a paycheck coming in.
Flexible Spending Accounts
Do you anticipate new or changing medical or dependent care expenses this upcoming plan year? Consider increasing your Flexible Spending Account contribution, according to your anticipated medical or dependent care needs during the ENTIRE period of coverage.
Health Saving Accounts
A Health Savings Account (also known as an HSA) is a tax-advantaged bank account you can open when you are enrolled in a qualified HDHP. The HSA provides a way to save for current and future health care expenses – with tax advantages along the way.
Newsletter
Carrier Contact Information
FBMC BENEFITS MANAGEMENT, INC. CONTRACT BENEFITS ADMINISTRATOR
FBMC Online Technical Support techsupport@fbmc.com
Benefits Service Center Benefit Inquiries svccenter@fbmc.com
Monday – Friday,
7 a.m. – 7 p.m. ET
1-844-55-WVA4U
(1-844-559-8248)
HUMANA / EYEMED VISION
Customer Service Monday – Saturday,
7:30 a.m. – 11 p.m. ET
Sunday, 11 a.m. – 8 p.m. ET
1-877-398-2980
INSPIRA FINANCIAL
Flexible Spending Accounts & Health Savings Accounts Customer Service Monday – Friday,
8 a.m. – 8 p.m. ET Saturday, 10 a.m. – 3 p.m. ET 1-844-729-3539*
Toll-Free Claims Fax:
1-888-238-3539
* Can provide replacements for lost or stolen cards
EPIC HEARING HEALTHCARE
Hearing Plan Name: State of West Virginia (Active Employees) Monday – Friday,
9 a.m. – 9 p.m. ET
1-866-956-5400 EPICHearing.com/FBMC
ARAG LEGAL
Customer Care Number: Monday – Friday, 8 a.m. – 8 p.m. ET
1-800-247-4184 1-800-383-4184 for TTY
Access code: 18387wv ARAGlegal.com/myinfo
COBRA
1-800-359-3921
SUNLIFE INSURANCE
Dental Plan Number #959860 Plan Year Customer Service Line: Monday – Friday, 8 a.m. – 8 p.m. ET 1-844-583-5036 http://www.sunlife.com/wvpeia
Accident Plan number: #965932 800-309-8699/sunlife.com/us
Critical Illness Plan number: #965932 800-309-8699/sunlife.com/us
Hospital Indemnity Plan number: #965932 800-309-8699/sunlife.com/us
METLIFE INSURANCE COMPANY
Short-Term / Long-Term Disability Claims Policy Number: #150596-3-G Customer Service Monday – Friday, 10 a.m. – 9 p.m. ET
1-888-466-8640
www.metlife.com
TRUSTMARK INSURANCE COMPANY*
LifeEvents® Customer Service Monday – Thursday, 7 a.m. – 7 p.m.
Friday, 7 a.m. – 6 p.m.
1-800-918-8877
www.trustmarksolutions.com
Mountaineer Flexible Benefits
FBMC Benefits Management, Inc.
