Contacts and Notices
Our goal is to make certain that you have the information you need to navigate your coverage under the benefits plan. If you require assistance, have your ID number or Social Security number available and follow these steps:
- For claims assistance call the applicable insurance carrier. Have your ID number, date of service, and provider name available.
- If you require further assistance, contact your Cigna One Guide via myCigna.com or use the myCigna App. Your Cigna One guide team can help you get answers to your health care or plan questions, find an in-network health care provider, lab or urgent care center, get cost estimates to avoid surprises, and more. For more information about Cigna One, click here.
- For a replacement or additional ID card, please go online to the carrier’s site to download an ID card or contact the insurance carrier.
People and Culture Team
Stephanie L. Herring Chief People and Culture Officer sherring@nfmlending.com 443-451-3434
Myra Morris Total Rewards Manager mmorris@nfmlending.com 443-451-3486
Wendy Stevens Total Rewards Coordinator totalrewards@nfmlending.com 443-451-3129
Important Benefit Contacts
Benefit
Carrier
Phone Number
Website
Mobile App
Short-term and Long- term Disability
The Hartford Group # 925224
888-301-5615
N/A
Hospital Indemnity, Accident and Critical Illness insurances
MetLife Group # 264517
800-438-6388
Annual Notices
The legal notices provide you with information on the following:
- Health Insurance Portability and Accountability Act (HIPAA)
- Newborns' and Mothers' Health Protection Act
- Special Enrollment Rights CHIPRA - Children's Health Insurance Plan
- Women's Preventive Health Benefits
- Mental Health Parity and Addiction Equity Act of 2008
- COBRA
IMPORTANT: Hospital Indemnity Insurance is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.
PLEASE NOTE: This information provides a summary of the benefits available. NFM Lending reserves the right to modify, amend, suspend, or terminate any plan at any time, and for any reason without prior notification. The plans described in this book are governed by insurance contracts and plan documents, which are available for examination upon request. We have attempted to make the explanations of the plans in this booklet as accurate as possible. However, should there be a discrepancy between this booklet and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts or plan documents will always govern.