Did you know we promote community resources?

Conifer Health’s goal is to help you find the best care possible within the options offered through your employer’s health plan. In addition, your personal health nurse will advocate for your health needs by working with you and your family members to identify community resources to further support your goals for healthy living.

Why should I trust Conifer Health?

Conifer Health serves many thousands of health plan members through its unique and holistic approach to personal health management. Throughout the personal health management program, your medical information is handled in a confidential and professional manner and will not be shared with your employer or anyone else without your consent. Our clinical team comprises full-time nurses who are credentialed and certified through state laws and professional groups, and our clinical guidelines are regularly reviewed by nationally-recognized practicing physicians. In addition, the Conifer Health Personal Health Management operation is accredited by a national quality organization.

How does the Personal Health Management program work?

An experienced nurse employed by Conifer Health reviews your health information and determines if you, or a dependent, could benefit from Personal Health Management support. If you qualify for the program, a nurse will call you to provide you with key information about the program and to discuss
your healthcare needs. If you choose to enroll in the program, the nurse becomes your personal health nurse and serves as your healthcare advocate — helping you live a healthier life through personalized, convenient support. Additionally, if you feel that you qualify for the Personal Health Management program, you may contact your personal health nurse directly.

Can Personal Health Management support make a difference in my life?

Personal Health Management through Conifer Health, is a free, confidential program that empowers you to become informed and proactive about leading a healthier life. Whether you are chronically ill, suffering from complex medical conditions or experiencing an acute illness, navigating the evolving healthcare system can be challenging. The Personal Health Management program offers one-on-one support by collaborating with you and your healthcare providers to develop your customized care plan. Our goal is to provide the peace of mind you need to start focusing on the right things, like improving and maintaining your health.

Does our plan offer gym membership discounts or other wellness discounts to participants?

If your employee is enrolled in the Trust medical plan, they are a Blue Cross and Blue Shield member.  This gives them exclusive access to healthy deals and discounts through Blue365.  With Blue365, great deals are theirs for every aspect of your life – like discounts on brand name sneakers, heart rate monitors, and gym memberships!  They can register now at www.blue365deals.com to take advantage of Blue365.  Please be sure they have their Blue Cross and Blue Shield member ID card handy. In a couple of minutes, they will be registered and ready to shop.

Does our plan offer gym membership discounts or other wellness discounts?

If you are enrolled in the Trust medical plan, you are Blue Cross and Blue Shield (BCBS) member.  As a BCBS member, this gives you exclusive access to healthy deals and discounts through Blue365.  With Blue365, great deals are yours for every aspect of your life – like discounts on brand name sneakers, heart rate monitors, and gym memberships!  Register now at www.blue365deals.com to take advantage of Blue365.  Just have your Blue Cross and Blue Shield member ID card handy. In a couple of minutes, you will be registered and ready to shop.

How do I verify an employee’s eligibility or demographic information in the Trust plan?

You must have Administrative credentials to access this information in CFAblue.  Please contact Sarah Robinson if you need assistance obtaining these credentials.  Eligibility for the Trust medical, prescription drug, dental, and vision plans only is housed in CFABlue.com.

1. Go to CFABlue.com.
2. Click on the blue “Log In or Register” button at the top right of the webpage.
3. Enter your administrative credentials and click the blue “Login” button.
4. Scroll down to the “Enrollment At A Glance” tile and click on it.
5. Enter the Employee’s Participant ID number in the Participant field. If you do not know the ID number, leave the field empty, and click on the magnifying glass icon to start a search.
   1. In the Search for a Participant section, enter the last name of the employee, and click the blue “Search” button.
   2. Hover your mouse over the employee’s name, and click on it to select the employee.
   3. This will return you to the benefits at a glance section with the employee’s ID number populated in the Participant field.
6. If you wish to see the employee’s benefits enrollment as of today’s date, select the “Current Benefits” radio button. If you wish to see the employees enrollment as of a past or future date, click on the “Benefits as of” radio button, and insert the date into the date field (MM/DD/YYYY format).
7. Click on the blue “Search” button.
8. If there is active coverage as of the date searched, the employee’s data will load. If there is no active coverage as of the date searched, a red box at the top of the screen will load with the statement, “Coverage has been terminated. Please contact the Plan Administrator for more information.”
9. For employees with active coverage results, scroll to the bottom of the screen to view the plans the employee is enrolled in as of the date searched, and any dependents enrolled as of the same date searched.
10. You can also view address information here, to verify an address before ordering ID cards. If an address needs corrected, please update it in the benefits administration system so it can be corrected with the file feed.  If it is manually corrected at CFA, and not corrected in the benefits administration system, the address in the benefits administration system will overwrite the manual update made earlier.

How do I process an Administrative Override in 4myBenefits?

1. Log into 4myBenefits
2. Look up the Employee
3. Scroll down to the Tasks section
4. In the Actions link (top right corner of Tasks block), select “Create a Life Event”
5. When the new screen loads, select “Administrative Override ADMIN ONLY” from the Select Life Event box
6. In the termination reason drop down, select “Other (Non-COBRA)”
7. The event date should be 1/1/22
8. Add any notes you want to have with the record (optional)
9. Click on Continue
10. On the next page, scroll down and click the “Next: Review My Family” button
11. On the next page, click the “Next: Shop for Benefits” button
12. Scroll to the benefit you want to change, and click on the “View or Change Plan” link
13. Elect the plan/dollar amount, and click the “Update Cart” button
14. Click the “Review and Checkout” button
15. Click the “Checkout” button to finalize the change

How do I locate the Summary Plan Document (SPD) online?

The full SPD is available to HR admins on the Trust Website.  Follow the steps below to locate and download the document you need!

1. Go to www.catholichealthtrust.org.
2. Log in to the HR Administrators portal
3. Click on the Important Documents button
4. Click on the Summary Plan Document link

How do my employees register on Caremark.com?

Employees can use this guide to walk you through the process of registering online for member access to Caremark.com.

How do I register on Caremark.com?

Use this guide to walk you through the process of registering online for member access to Caremark.com.

Where can I easily shop for FSA Eligible expenses?

P&A’s vendor partner, FSA Store, offers discounted pre-approved eligible expenses including PPE, COVID-19 at home tests, over-the-counter medications and more.  Browse FSA Store today.

How much does a telehealth visit cost?

For MDLIVE Providers:

MDLIVE telehealth visits have a $0 copay for Platinum, Gold, & Silver plans, or Deductible then $0 copay for the Bronze plan. During the national health emergency (through 12/31/2020) the deductible is waived for the Bronze plan for MDLIVE visits.

For Non-MDLIVE Providers:

The standard office visit benefit applies for virtual or telephonic visits with providers for clinical staff of primary care, general practice, internal medicine, pediatrics, OBGYN and associated nurse practitioners only, during the national health emergency, through 12/31/2020.  Starting 1/1/2021 the plan will cover virtual and telephonic visits with all non-MDLIVE providers at the applicable office visit benefit (including specialists).

Will I receive a new medical ID card after open enrollment (for the 2021 plan year)?

Yes.  CareFirst Administrators will send you a new ID card for your 2021 medical plan, even if you do not change medical plans. This will come in a plain white envelope.  Be sure your mailing address is up to date with your employer to prevent delays in obtaining your new card.

The reason for this decision, is due to confusion that could arise due to the current card showing “Telehealth 0.”  The new card removes this piece of information because of the varying telehealth benefit as outlined below.

For MDLIVE Providers:

MDLIVE telehealth visits have the $0 copay for Platinum, Gold, & Silver plans, or Deductible then $0 copay for the Bronze plan.

• During the national health emergency (through 12/31/2020) the deductible is waived for the Bronze plan for MDLIVE visits.

For Non-MDLIVE Providers:

The standard office visit benefit applies for virtual or telephonic visits with providers for clinical staff of primary care, general practice, internal medicine, pediatrics, OBGYN and associated nurse practitioners only, during the national health emergency, through 12/31/2020.  Starting 1/1/2021 the plan will cover virtual and telephonic visits with all non-MDLIVE providers at the applicable office visit benefit (including specialists).

How do I get up-to-date account information for my P&A account(s)?

Access your account balance and other information anytime, anywhere with P&A’s text message feature.  Simply update your P&A account profile with your mobile number.  Text “BAL” to the number 70626 and receive a text message with your account balance.  You can also text “CLM” to the number 70626 to receive the status of your claims.

You can also log in to your P&A account to access your real-time account information or call the P&A customer service department at (800) 688-2611 for your latest account information. This system is available in English and Spanish.

How do I receive my reimbursement money?

The quickest way to receive your money is by direct deposit to your personal checking or savings account. You can sign up online by logging into your secure P&A Group account at www.padmin.com. If this is your first time logging in, or if you are unsure how to log in, please reference P&A’s “how to login instructions” or click here.  Once you’re logged into your account, click Direct Deposit under Quick Links.  Choose your account type, enter your bank account information and click Submit. Please allow up to five business days to setup your direct deposit. If you need to change your direct deposit information, you may do so by following the same steps above. Once enrolled in a direct deposit, all deposits are made via direct deposit until P&A is otherwise notified. You can also receive your money via a check mailed to your home.​

What is the Use-or-Lose Rule?

Under this IRS guideline you must use your full election amount by the end of the plan year. Any remaining balance in your account will be forfeited.  However, the IRS has relaxed this rule. Your employer has the option to adopt a provision that will allow up to $500 in Health FSA funds to be carried forward to the next plan year.

We encourage participants to plan carefully how much money they put into their account. Be conservative when selecting your annual election amount. Only calculate expenses you anticipate incurring. This can include expenses such as co-payments for prescriptions, vision expenses, and dental work.​  For help calculating your expenses check out this FSA Calculator here.

What is the Uniform Coverage Rule?

This rule applies only to the Medical Expense Reimbursement Account (Health FSA). The uniform coverage rule states that your full election amount is available to you on the first day of your plan year. What exactly does this mean? This means you have access to ALL of your funds right away! The uniform coverage rule allows your Health FSA to work like a line of credit. Expenses can be covered upfront, making it easier to budget your finances, especially during tougher economic times.

When can I change my FSA election?

Participants are only allowed to enroll in an account once a year, which is also known as the open enrollment period. During this time you decide how much money you wish to put in your account. Please note that participants cannot change their annual election amount after open enrollment unless they experience a qualifying event, which includes the following:

• a change in legal status (e.g., marriage, death of spouse, divorce, legal separation or annulment);
• a change in the number of dependents due to events such as birth or adoption;
• a termination or commencement of employment of a spouse or dependent; and,
• a change in the cost of dependent care expenses.

The annual election amount will be evenly divided over the course of a Plan year before taxes are withheld, thus increasing employees’ take-home pay.

What expenses are FSA eligible?

Click here​ for a list of eligible expenses.