Prepare for your New Hire Enrollment or Open Enrollment by asking yourself the following questions:
How did my benefits work for me this year?
What plans will meet by needs?
Do I have any health changes that need to be addressed?
Do I have any family health history that I should be considering?
Any family changes on the horizon?
Are there any questions I have on what is offered or how to use the benefits offered?
Keeping P.A.C.E. with Your Benefits
Participate
Attend a benefits meeting to learn about the benefits and resources available to you. Assess
Carefully evaluate your options and determine what best fits the needs of you and your family.
Complete
Make your benefit elections for the upcoming plan year or as part of your new hire process.
Embrace
Fully embrace the process by documenting your choices, sharing key information with your family, and keeping your benefit details in a safe place for future reference.
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
City of Magnolia offers a comprehensive and valuable benefits program to all eligible employees. Our benefits package is designed to provide security and assistance during a time of need. Please become familiar with the various options and select the best coverage for the upcoming plan year.
Enrollment in Benefits - Take Action - Campus Benefits
There are two options to complete your enrollment in benefits.
Option 1
1.Visit www.cityofmagnoliabenefits.com
2.Select the “Enroll” tab or the “Campus Connect” tab
3.Follow the on-screen instructions
4.See New User Registration instructions below
Option 2
1.Contact Campus Benefits at 1.866.433.7661, opt. 5
New User Registration
1.On Login page click on Register as a new user and enter information below First Name Last Name
Company Identifier: COMag2025
PIN: Last 4 Digits of SSN Birthdate
2.Click Next
3.Username: Work email address or one you have provided to HR when you were hired
4.Password: Must be at least 6 characters and contain a symbol and a number
5 Click on Register
6 On the next page, it will show your selected Username Click on Login
7.Enter Username and Password
8.Click Start Benefits to begin the enrollment
Frequently Asked Questions
What is my username?
Work email address OR Email address you provided to HR when hired OR Email address you used to previously change your username
What is my password?
To create or reset a forgotten password follow the steps on the login page using tips below. Password must be at least 6 characters It must contain a symbol and a number Using uppercase, numbers and symbols greatly improves security
Still Need Help?
Contact Campus Benefits
Email: mybenefits@campusbenefits com Call: 1 866 433 7661, opt 5
Eligibility
Benefits Eligible Employees: Full-Time employees working 35 or more hours a week. Employees may also enroll eligible family members under certain plans if elected for the themselves as well.
Eligible family members include:
Your legally married spouse
Your unmarried children who are your natural children, stepchildren, adopted children, or children for whom you have legal custody (age restrictions may apply) up to the age of 26. Disabled children age 26 or older who meet certain criteria may continue on your health coverage.
Employees who choose to waive/decline any benefits for themselves or their dependents will not be eligible to enroll until open enrollment for each plan without a Qualifying Life Event.
Specific employee and dependent eligibility rules are governed by each plan’s policy document/certificate, which is available on your employee benefits website, or by contacting Campus Benefits.
When Do Benefits Begin?
The effective date of coverage for benefits depends on your hire date. Typically, benefits will begin the first of the month following 60 days of employment. For all benefits, you must be actively at work on the effective date of coverage.
You must complete the enrollment process as a new hire within 31 days of satisfying the established probation period.
When Do Benefits End?
Upon termination of employment, the benefits end date may vary by benefit, but typically end at the end of your last month of employment. Please consult with a Campus Benefits advisor on your specific end date and options for porting any current coverages.
Important Notes:
This guide is presented for illustrative purposes only and is not intended to offer insurance advice. It is important you review each benefit’s summary plan description (SPD) and other carrier materials before making any selections. Carefully review your plan options and consider which ones best meet your needs. Make your choices during your assigned enrollment period to receive coverage for the coming year.
To complete enrollment, you will be required to enter dependent information including Social Security Numbers and dates of birth.
When Can I Change My Benefits?
Employee benefit elections are allowed as a new hire and during the annual open enrollment period. The selected benefits will remain in effect throughout the plan year. Plan year is from January 1 to December 31 . st st
Each year, during Open Enrollment, you will have the opportunity to make changes to your benefit elections for yourself and your covered dependents. Outside of Open Enrollment, you must experience a qualifying event that satisfies federal regulations outlined below:
Marriage, legal separation or divorce
Birth or adoption of a child
Death of a covered dependent
Loss or gain of other coverage (e.g. spouse loses job-based coverage)
Change in employment status (e.g. full-time to part-time or vice versa)
Change in dependent eligibility (e.g. child turns 26 and ages out of coverage)
Relocation that affects coverage options (e.g. moving out of a plan’s service area)
Court Order requiring coverage for a dependent (e.g. through legal guardianship or custody)
Entitlement to Medicare
IMPORTANT NOTE: You will need to submit supporting documentation to process your life event. Please keep any records of the above occurrences.
Wellness and Health Management: Preventive Care
Understanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms, and immunizations. Through the plans offered by City of Magnolia, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.
Which Preventive Care Services are Covered?
The US preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e. Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered:
Routine Physical Exam
Well Woman Visits
Routine Bone Density Test
Routine Gynecological Exam
Obesity Screening and Counseling
Routine Prostate Test
Routine Mammograms
Smoking Cessation
Health Counseling for STDs and HIV
Screening and Counseling for Domestic Violence
Well Baby and Child Care
Immunizations
Routine Breast Exam
Screening for Gestational Diabetes
Routine Colonoscopy
Routine Lab Procedures
Routine Pap Smear
Health Education/Counseling Services
Testing for HPV and HIV
Health Insurance 101
Before you enroll, here are some things you need to know and understand.
Coinsurance
After your deductible is met, the percentage of eligible expenses you are required to pay for covered health services.
Copayment
A fixed dollar amount you pay for healthcare services, such as doctor’s visits, urgent care or emergency room services. Co-payments track towards your Out-of-Pocket Maximum, but do not apply towards the deductible.
Deductible
The amount you pay for certain covered healthcare services before your insurance plan starts to pay on your behalf. See your full plan summary for additional details.
Preventive Care
Routine healthcare services like check-ups, immunizations, and screenings for adults, women’s health, and children.
In-Network vs. Out-of-Network
Hospitals and providers who have a contracted agreement with benefit providers to make covered services available to members at a discounted rate.
In-Network providers have a contract with the insurance company and offer services at a discounted rate.
Out-of-Network providers do not have a contract, often resulting in higher costs for services.
Out-of-Pocket Maximum (OOPM)
The most you will pay for healthcare services during the calendar year. After you spend this amount on coinsurance, your health plan pays 100% of the costs for covered benefits (with minimal exceptions).
Premium
This is the cost you will pay to participate in the employer health plan. Your Premium is separate from your Deductible and Out-of-Pocket Maximum.
Qualifying Life Event (QLE)
A status or life change that allows you to make changes to your benefits mid-year.
Reasonable & Customary (UCR)
Going rate for a procedure based on geographic location.
Explanation of Benefits (EOB)
A statement provided by your insurance carrier explaining what services were billed, what the plan paid, and any amount you may still owe. An EOB is not a bill.
Summary of Benefits and Coverage (SBC)
A standardized document that outlines what the plan covers, cost-sharing details, and examples of how the plan would pay for common medical situations.
Service Hub/Support Center
Campus Benefits is your dedicated advocate for all your voluntary benefits.
When to contact the Campus Benefits’ Service Hub?
Portability/Conversion
Benefits Education
Evidence of Insurability
Qualified Life Event Changes
Claims
Card Requests
Benefit Questions
COBRA Information
How to file a claim?
Contact Campus Benefits via Phone or Email
Work with Campus Benefits’ claims specialist to complete the necessary paperwork
Submit the Necessary Paperwork to Campus Benefits via the secure upload
Secure upload located at:
https://www.cityofmagnoliabenefits.com/
Am I required to contact Campus Benefits to file a claim?
No. However, in our experience, the number one reason for claim denial or delay is due to incomplete or inaccurate paperwork. By working with a Campus Benefits’ claim specialist, we can advocate on your behalf.
How can I access my medical, dental, or vision card quickly?
Your group medical, dental, and vision plan information is available at: https://www.cityofmagnoliabenefits.com/
Medical
City of Magnolia is proud to offer employees a medical plan administered through Blue Cross & Blue Shield of Mississippi. The chart below illustrates a high-level overview of the medical plan coverages. Please review the full Summary of Benefits and Coverage available on the benefits website.
NOTE: You must always present your BCBS of MS medical ID card to providers.
If you have other family members on the plan, each family member must
Medical Premiums
Cost of coverage is based on your age and the age of your spouse and children. City of Magnolia covers 100% of the employee cost. Please log into the enrollment system or speak to a Campus Benefits advisor to determine your costs.
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
Health and Wellness Benefit Plan Summary
January 1 , 2026 to December 31 , 2026 st st
This Health and Wellness Benefit Plan summary is designed for the purpose of presenting general information about the Health and Wellness Benefit Plan and is not intended as a guarantee of benefits All services referenced in the Health and Wellness Benefit Plan are subject to Medical Policy and Medical Necessity review to determine if the services are covered This is not a Summary Plan Description In the event of a conflict between this document and the actual Health and Wellness Benefit Plan, the terms of the Health and Wellness Benefit Plan will prevail
Benefit Plan Year: Calendar Year
Deductible Amounts:
Individual Medical Deductible: $1,250
Family Maximum: $2,500
Prescription Drug Deductible: $100
The Deductible does not apply where there is a Co-payment amount. Co-payment amounts do not accrue toward the Medical Deductible Amount but do accrue to Network Out-ofPocket amount.
Out-of-Pocket Maximum for Network Provider
Individual: $7,000
Family: $14,000
Network Provider Benefits (subject to the allowable): 80%
Non-Network Provider Benefits (subject to the allowable): 50%
All services are subject to the Network Provider and Non-Network Provider Benefits
HEALTHY YOU! PREVENTIVE HEALTH SERVICES - See the Healthy You! Preventive Health Services Age and Gender Guidelines located at www.bcbsms.com. Benefits for covered screenings are provided at I00% at no out-of-pocket cost. Services must be rendered by a Network Provider approved by the Company in that Provider's clinical setting. Members with a Blue Primary Care Home will receive Healthy You! Covered Services from their selected Blue Primary Care Network Provider or Pediatric Blue Primary Care Network Provider Not covered at Non-Network Providers
HOSPITAL SERVICES - Includes Inpatient and Outpatient Hospital Services, which are not those services included under the Specialty Services provisions Only certain Covered Services will be covered in a Hospital setting Prior Authorization may be required to determine the most clinically appropriate setting.
EMERGENCY ROOM (ER) SERVICES - See special information related to ER Services included in your Health and Wellness Benefit Plan found in the my Blue portal at www.bcbsms.com.
AMBULATORY SURGICAL FACILITY SERVICES (ASF)
Prior Authorization for Ambulatory Surgical Facility Services may be required if the Covered Service can be provided in a lower place of treatment (i.e. office.)
Physician Services (M.D. and D.O. Only) - Office Visit
Primary Care: 100% after $25 co-pay
Specialist: 100% after $40 co-pay
Non-Network Provider: 50%
(Co-pay does not apply to any other services rendered in the office Other Services rendered in the Physician's Office are subject to the Benefit amounts )
Surgery (Hospital/ASF)
Diagnostic Services Medical (Inpatient)
ALLIED PRIMARY CARE HEALTH PROFESSIONAL
(Certified Nurse Practitioner, Certified Nurse Mid-wife and Physician Assistant)
Office Visit - Network Provider: 100% after $25 co-pay
Office Visit - Non-Network Provider: 50%
(Co-pay does not apply to any other services rendered in the office. Other Services rendered in the Office are subject to the Benefit amounts.)
SPECIALTY SERVICES - Certain specified Specialty Services must be rendered by a Center of Excellence
Provider or a Blue Specialty Network Provider for you to receive Benefits. Please refer to your Health and Wellness Benefit Plan to learn more about Specialty Services
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
Health and Wellness Benefit Plan Summary
January 1 , 2026 to December 31 , 2026 st st
PRESCRIPTION DRUGS
•Prescription Drug Deductible does not apply to Category I drugs
•No Benefits will be provided for any drug not included in the Company's Prescription Drug, Maintenance Drug, or Disease Specific Drug Formulary
Community PLUS Pharmacy Non-Community PLUS Pharmacy
ORGAN AND TISSUE TRANSPLANT BENEFITS
Category One Drugs
Category Two Drugs
Category Three Drugs
Category Four Drugs
$10 Copay No Benefits
$25 Copay No Benefits
$50 Copay No Benefits
$100 Copay No Benefits
MAINTENANCE DRUGS - Members can receive a 90-day supply of certain drugs from a Community PLUS Maintenance Pharmacy Refer to the Health and Wellness Benefit Plan for more information
DISEASE SPECIFIC DRUGS - Drugs must be provided by a Network Disease Specific Pharmacy or a member's NonPharmacy Network Provider, authorized in advance by the Company, and listed in the Disease Specific Drug Formulary. This Benefit is covered after 10% of the Allowable up to a $350 co-pay with a minimum $100 copay.
GENERIC DRUGS
If a generic equivalent Prescription Drug, Interchangeable Biological Product or Biosimilar Product is available but the member purchases a brand name or Reference Biologic Medication, the member will be responsible for the entire cost of the drug.
Certain brand name drugs included in the applicable Drug Formulary that have a generic alternative, Interchangeable Biological Product or Biosimilar Product may be subject to a trial usage of a generic alternative drug, Interchangeable Biological Product or Biosimilar Product for a specific period of time before Benefits will be available for the prescribed drug
MENTAL HEALTH AND SUBSTANCE USE DISORDER BENEFITS
Covered services are subject to Deductible, Co-pay and Network or Non Network Co-insurance.
- Renal Transplants, Other Solid Organ Transplants (Liver, Heart, Lung),Tissue Transplants (Bone Marrow Transplants) and Donor Benefits Prior Approval and Care Management required Covered Services must be provided by a Network Provider approved and designated by Company for the particular transplant surgery Travel and lodging Benefits may be available subject to the Travel and Lodging Reimbursement Policy
NEWBORN
WELL
BABY
CARE - Subject to the Network and Non-Network Benefit amounts, Benefits for a newborn covered as a Dependent include subsequent visits while in the Hospital with the mother, circumcision and discharge of baby.
COLOR ME HEALTHY! - As part of our continued commitment to your health, you have the option to enroll in the Color Me Healthy! Benefit that focuses on the treatment and control of metabolic health risks and diseases Once you enroll in this program, certain covered outpatient services must be rendered by a Color Me Healthy! Network Provider in order to receive Benefits Members with a Blue Primary Care Home will receive Color Me Healthy! Covered Services from their selected Blue Primary Care Network Provider.
OTHER COVERED SERVICES SUPPLIES OR EQUIPMENT
PROVIDED BY AN ALLIED PROVIDER OR PHYSICIAN
Allergy Injections/Testing Services
Ambulance Services
Diagnostic Services Facility*
Dialysis Treatment*
Durable Medical Equipment*
Hospice Care*
Independent Laboratory
Infusion Services*
Orthotic Devices
Outpatient Cardiac Rehabilitation*
Physical Medicine*
Prosthetic Appliances
Sleep Studies*
Speech Therapy
Therapy Services*
*Benefits are not available unless provided by a Network Provider.
There are important details that are not included in this summary about covered services, prior authorization requirements, benefit limits and services that are not covered. You can find these details in your Health and Wellness Benefit Plan online through the myBlue portal at www.bcbsms.com. There, you can read the plan online or print a copy.
BCBS MS - Healthy You!
Healthy You! is a wellness benefit that provides you and your covered dependents with an annual wellness visit with your Healthy You! Network Provider. This wellness benefit is paid at 100% with no deductible, copay or coinsurance when you use your Healthy You! Network Provider
Covered wellness screenings and immunizations are based on age and gender to ensure you receive the screenings you need to understand and manage your health risks, both at an early age and as you get older.
Healthy You! is about helping you stay well. If you are sick on the day of your Healthy You! visit, reschedule your visit for a day that is more appropriate for you to discuss your health and wellness.
What is a Healthy You! Visit?
The Healthy You! wellness benefit is more than just an annual doctor’s visit It’s an opportunity for you to take accountability for your health by learning your “numbers” for cholesterol, blood pressure, blood sugar and your weight. This can help give a clearer picture of your overall health status that you can’t always see by looking in the mirror.
Getting Started
Follow the steps below to get started using your Healthy You! Wellness Benefit: Go to https://www.bcbsms.com/im-a-member/healthy-you-wellness-benefit/
Step 1: Find a Blue Primary Care Network Provider
The Healthy You! wellness benefit is paid at 100% with no deductible, copay or coinsurance when you use your Blue Primary Care Network Provider
Step 2: Make an appointment
When you call to schedule your appointment, be sure to tell the office staff you are scheduling your annual Healthy You! visit. Contact information for Blue Primary Care Providers is available anytime right in the myBlue app.
Step 3: Read the Healthy You! Services Guide
You can access the Healthy You! services guide on the myBlue mobile app to make sure you receive all of the screenings and services for your age and gender. Guide can also be found at the website listed above.
Questions to ask your doctor
What are my health numbers and how do they compare to the recommended? What is one way I can improve my health?
Can you describe my current health status? Are my screening tests up to date?
Am I taking the lowest cost prescription drug available?
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
BCBS MS - Color Me Healthy!
Depending on the range of your health numbers identified at your Healthy You! visit, you may have access to our Color Me Healthy! benefit at no out-of-pocket cost to you!
Color Me Healthy! is a health management benefit available to Members with low to high risk factors for high blood pressure, high cholesterol and/or high blood sugar. The goal of the benefit is to give you access to additional doctor’s visits (up to four are available based on individual risk levels), resources and tools to best manage your chronic conditions, lower your risks, improve your health and ultimately empower you along your personal health journey.
For more information, visit the following website.
The Color Me Healthy! benefit is a proactive approach to health. It’s about addressing your health numbers and conditions now, that if left unchecked could lead to bad health outcomes and higher healthcare costs in the future.
It’s important to know that metabolic conditions like high blood pressure, high cholesterol and high blood sugar can develop over time and often don’t present with warning signs or symptoms. That’s why it's crucial to have your annual Healthy You! wellness visit each year, have open dialogue with your physician about your health numbers and work your wellness plan to improve health numbers with elevated risks.
Leading a healthy lifestyle can help prevent and manage metabolic conditions. Tips for leading a healthy lifestyle include:
Getting enough physical activity
Eating a healthy diet
Maintaining a healthy weight
Limiting alcohol
Getting enough sleep
Quitting smoking
Managing stress
Blue Cross & Blue Shield of Mississippi is proud to partner with doctors and clinics around the state to provide you with smarter, better healthcare centered around you.
Dental Plan
What is Dental Insurance? A health and wellness plan designed to pay a portion of dental costs associated with preventive, basic, some major dental care, as well as orthodontia.
Coverage through Mutual of Omaha
Provider directory: www.mutualofomaha.com (Network: Mutually Preferred) Claims must be submitted within 90 days of date of service
Coverage for children up to age 26
The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.
To confirm eligibility with participating providers, mention the network above and provide your name and date of birth. G000CWMW
*Click here for more information and printable version of the ID Card (electronic guide)
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
Vision Plans
What is Vision Insurance? A health and wellness plan designed to reduce your costs for routine preventive eye care including eye exams and prescription eyewear (eyeglasses and contact lenses).
Claims must be submitted within 90 days of date of service
The chart below is a sample of covered services. Please see the Plan Certificate on your Employee Benefits Website for a detailed listing of services in their entirety.
Vision In-Network Benefits Quick Summary
(see certificate for full list of services and frequencies)
Plan Highlights
Exam
Contact Lens Fit & Follow-Up
Frames
Single Vision, Lined Bifocal & Trifocal, Lenticular Lenses
Standard Progressive Lenses
Standard UV Coating
Standard Scratch Resistant
Standard Polycarbonate
Tints (plastic lenses)
Anti-Reflective Coating
Photochromic
Elective Contacts
Medically Necessary
Exams, Lenses, Contact Lenses and Frames
Low Vision Benefits
Not available at retail chains including Costco, Walmart and Sam’s Club.
$10 Copay
Up to $60 Copay
$130 allowance plus 20% off balance
$150 allowance on featured frames
$70 allowance at Costco, Walmart, & Sam's Club
$25 Copay
Up to $55 Copay
Additional Lens Options
$0 Copay
$17 - $33 Copay
Children: Covered in Full (Up to age 18)
Adults: $35 Copay
Pink I & II: $0
Solid Plastic: $15
Plastic Gradient Dye: $17
$41 - $85 Copay
$47 - $82 Copay
Contact Lenses
$130 allowance
Covered in full after eyewear copay
Frequencies
Exams, Lenses, Contact Lenses: Every 12 months
Frames: Every 24 months
Once every 24 months
Provides additional benefits to members who are not legally blind, but whose eyesight cannot be corrected to 20/70 with the use of optical lenses.
Supplemental evaluation: Covered in full up to a benefit maximum. Maximum of two tests within a two-year period.
Supplemental aids: 75% of allowable amount up to benefit maximum.
Benefit maximum: $1,000 every two years.
Name
ID: City of Magnolia (SSN) Network: VSP Choice
Name
Group #: 6564979
To confirm eligibility with participating providers, mention the network above and provide your name and date of birth.
*Click here for more information and printable version of the ID Card (electronic guide)
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
Colonial Term Life and Whole Life
The various plans offered through Colonial Life are individual plans. Below is a high level overview of the options available.
Coverage through Colonial
The same benefit amounts are available for employees and spouses Spouse and children’s term riders are also available
Keep your coverage, at the same cost, even if you retire or change employers
Guaranteed Issue amounts during the initial new hire period
The chart below is a sample of covered services. Please see your individual policy, which will be mailed directly to you, for full details.
What is Term Life Insurance?
Term Life Insurance from Colonial Life provides affordable life insurance protection for a specific period of time such as 10, 15, 20, or 30 years. During the term you choose, the benefit amount stays the same. If something happens to you during that time, the policy pays a benefit to your chosen beneficiaries. When the term ends, you have the option to continue the coverage on a yearto-year basis, without having to provide proof of good health.
What is Whole Life Insurance?
Colonial Life’s Whole Life Plus insurance plan is individually owned, with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit. Coverage is permanent and is guaranteed for the life of the policy (to age 100), provided premiums are paid when due.
Why it matters?
Life insurance is more than just a policy; it’s a safety net. It helps your family cover essential costs and maintain their quality of life by:
Covering Immediate Costs: Paying for medical bills and funeral expenses.
Replacing Income: Helping your family keep up with daily living expenses
Eliminating Debt: Paying off mortgages, car loans, or credit cards.
Securing the Future: Funding your children’s college education or protecting your spouse's retirement savings.
Are there guaranteed issue amounts?
Guaranteed issue amounts are available depending on the plan and the amount of coverage you choose. If you elect an amount over the guaranteed issue amounts for your age, you may be asked health questions during the signup process and an application may be required.
How life insurance works?
Financial Support: In the event of your passing, your beneficiaries receive a taxfree payment.
Cash Value available with Whole Life policies
Payable if you pass away within the term period you select
Premiums
Please log into the enrollment system or contact Campus Benefits to review options and cost of coverage.
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
Colonial Disability
The various plans offered through Colonial Life are individual plans. Below is a high level overview of the options available.
Coverage through Colonial
Options for both on and off-the-job coverage
Keep your coverage, at the same cost, even if you retire or change employers
Guaranteed Issue amounts during the initial new hire period
The chart below is a sample of covered services. Please see your individual policy, which will be mailed directly to you, for full details.
What is Disability Insurance?
Disability Insurance from Colonial Life helps protect your paycheck if you are unable to work because of a covered illness or injury. If you become disabled and can’t work for a period of time, the plan replaces a portion of your income so you can continue to pay for everyday expenses like rent, groceries, and bills. Coverage is offered through payroll deduction, making it an easy and affordable way to help protect your financial security when you need it most.
Product Features:
Guaranteed Issue – Available for up to $4,000 in monthly benefits for up to 60% of income. Additional monthly benefits up to $6,500 are available.
Total Disability and Partial Disability Benefits - Partial disability pays 50% of the total disability benefit and for up to 3 months.
Renewability - This policy is guaranteed renewable to age 75. Premiums can be changed only if we change them on all policies of this kind in the state where the policy is issued.
No Integration - There is no coordination of benefits at claim with other coverages. Benefits are paid regardless of benefits received from other sources. For benefit amounts over $4,000 per month, offsetting occurs during the application process.
Waiver of Premium - available after 90 consecutive days of a covered disability.
Benefits are paid directly to the insured unless they specify otherwise.
Coverage is portable - An employee may continue this coverage if he changes jobs or leaves the company, with no evidence of insurability required
Premiums
Please log into the enrollment system or contact Campus Benefits to review options and cost of coverage
Level Premiums - Rates are based on issue age and are level, not step-rated
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
Colonial Accident and Medical Bridge Plans
The various plans offered through Colonial Life are individual plans. Below is a high level overview of the options available.
Coverage through Colonial
Payments made directly to you and benefit does not offset with medical coverage
Keep your coverage, at the same cost, even if you retire or change employers
Guaranteed Issue amounts during the initial new hire period
The chart below is a sample of covered services. Please see your individual policy, which will be mailed directly to you, for full details.
What is Accident Insurance?
Accident Insurance from Colonial Life provides cash benefits if you or a covered family member is injured in an accident. The plan pays you directly for things like doctor visits, hospital stays, injuries, accidental death, and serious accidents. You can use these benefits however you need, to help cover medical bills, deductibles, transportation, childcare, or other everyday expenses that may come up after an accident This coverage helps protect your budget when the unexpected happens
Ease the financial strain of accidental injury
Accident insurance can help cover out-of-pocket expenses resulting from an injury. Examples of out-of-pocket costs include:
ER visits, X-rays, diagnostic exams, physical therapy and follow-up treatment
Ambulance or air ambulance to a hospital Hospital stays and travel or lodging expenses related to an accident
What is Medical Bridge Insurance?
Medical Bridge Insurance helps cover the costs that your regular health insurance may not fully pay. It provides cash benefits if you are hospitalized due to a covered illness or injury. These benefits can help with out-of-pocket expenses like deductibles, copays, and coinsurance, as well as non-medical costs such as travel, meals, or lost income. This coverage is designed to help “bridge the gap” between what your health plan pays and what you may still owe
Focus on Your Health, Not Your Bills
Hospital Indemnity Insurance provides you with a direct cash benefit to help cover the out-of-pocket costs of a hospital stay, ensuring you can focus on recovery instead of unexpected medical expenses.
Financial Flexibility: Receive a cash payment to use for deductibles, diagnostic tests, or even everyday living expenses
Comprehensive Support: Bridges the gap in your major medical plan by covering ER visits, inpatient stays, and outpatient surgeries
Premiums
Please log into the enrollment system or contact Campus Benefits to review options and cost of coverage.
Disclaimer:
Colonial Cancer and Critical Illness Plans
The various plans offered through Colonial Life are individual plans. Below is a high level overview of the options available.
Coverage through Colonial
Payments made directly to you and benefit does not offset with medical coverage
Keep your coverage, at the same cost, even if you retire or change employers
Guaranteed Issue amounts during the initial new hire period
The chart below is a sample of covered services. Please see your individual policy, which will be mailed directly to you, for full details.
What is Cancer Insurance?
Cancer Insurance from Colonial Life provides financial support if you or a covered family member is diagnosed with cancer. The plan pays cash benefits directly to you to help with costs related to treatment and recovery. These benefits can be used for medical bills, travel to appointments, childcare, household expenses, or any other needs that come up during treatment. This coverage is designed to help reduce financial stress so you can focus on what matters most, getting better.
What is Critical Illness Insurance?
Critical Illness insurance provides you with a lump-sum cash payment upon the diagnosis of a covered condition, giving you a financial safety net to use however you see fit.
Financial Flexibility: Use your lump-sum benefit to pay for out-of-pocket medical costs, your mortgage, groceries, or any other everyday expenses
Customizable Coverage: Personalize your plan with optional add-ons to ensure the coverage matches your family’s specific needs
Flexible Protection for You and Your Family
Cash Paid to You: Receive benefits directly to use for medical bills, household expenses, or any other needs.
Total Family Coverage: Protect yourself, your spouse, and your eligible dependents under one plan.
Portable Security: Keep your coverage even if you change jobs or leave the company (available with most policy options).
Easy Online Claims: Submit and track your claims quickly through our intuitive, user-friendly policyholder portal.
Visit www.coloniallife.com/individuals/Claims to file claims.
Or download the Colonial Life Events app on the Apple Store or Google Play
Premiums
Please log into the enrollment system or contact Campus Benefits to review options and cost of coverage
Disclaimer: The Benefits Guide is provided for illustrative purposes only and actual benefits and/or premiums may change after printing. Eligibility, benefits, limitations, services, premiums, claims processes and all other features & plan designs are offered and governed exclusively by the insurance provider or vendor contract and associated Summary Plan Description (SPD). All employees should review carrier documents posted on your employer’s benefits website or request documents before electing coverage.
The 2026 Benefits Guide is provided for illustrative purposes only Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered is governed exclusively by the insurance contract and associated Summary Plan Description (SPD). In case of discrepancies between this document and the insurance contract and SPD, the contract and SPD will prevail. We reserve the right to change, modify, revise, amend or terminate these plan offerings at any time. Updates, changes and notices are all located at www.cityofmagnoliabenefits.com. These should be reviewed fully prior to electing any benefits.
Disclosures: All required SPD, legal and plan Disclosures are posted on the Benefit Website. For a written copy please contact Campus Benefits at 866-433-7661, opt. 5.
