Alliance Building Services
Benefits Hub
2026–2027 Plan Year · Office Employees · Aug 1, 2026 – Jul 31, 2027
Enrollment Platform
Questions? Email HR
hrofficebenefits@alliance.us
This page is for your reference — it summarizes everything about this year's benefits in one place. To actually enroll, you'll make your elections directly in eNavigator. See the How to Enroll section below for step-by-step instructions.
Key Deadlines
Jul
6
Open Enrollment Begins
Your enrollment window opens. Log in to eNavigator any time between now and the deadline to make your elections.
Jul
9
Insurance Carrier Fair
Thursday, July 9th · 11:00 AM – 4:00 PM. Meet your carriers in person and get your questions answered. Includes raffles, prizes & giveaways!
Jul
19
Open Enrollment Ends
All elections must be submitted and signed in eNavigator by Sunday, July 19th. No changes accepted after this date without a qualifying life event.
Jul
31
Affidavits Due
Return completed Tobacco Use and Spousal Affidavits by Jul 31. Anyone new to benefits this year does not need to complete these again until next Open Enrollment.
Aug
1
New Plan Year Begins
All 2026–2027 elections take effect. New Benefit Enhancements: Beyond Med & eMed are now available. Stop by the Carrier Fair on Jul 9th for more information.
FSA
Every Year
FSA Elections Don't Roll Over
Health Care FSA and Dependent Care FSA elections must be actively re-elected each year in eNavigator. They do not carry forward automatically.
ℹ️
Nearing Medicare eligibility? Please reach out to Elizabeth Rodriguez (Manager, People & Culture) for information on how Medicare may affect your coverage. Contact info is listed in Key Contacts below.
How to Enroll in eNavigator
⚠️
Action required: You must make your selections in eNavigator to enroll. This portal is for information only — it does not submit your elections for you.
Company Identifier: ABSOFFICE
PIN: Last 4 digits of your SSN
New hires: Benefits begin the 1st of the month following 60 days of employment
New employees: Register at employeenavigator.com/Benefits/Account/Register using Company Identifier ABSOFFICE and your last 4 SSN as your PIN.
Returning employees: Log in at employeenavigator.com/benefits/Account/Login
Click Start Enrollment (in eNavigator) → Enroll in Your Benefits → Get Started and step through each benefit category.
Add dependents before selecting plans. Have each dependent's full name, SSN, gender, and date of birth ready.
Review your Enrollment Summary, click Click to Sign, and confirm the screen reads "Acknowledged and Submitted."
Once you've completed all your steps in eNavigator, you must complete your Tobacco Attestation by July 31st. Note: failure to submit will result in a surcharge.
Medical Plans — Meritain Health & ProAct Pharmacy
EPO Low
In-Network Only
Deductible: $3,000 / $6,000
OOP Max: $6,000 / $12,000
PCP / Specialist: $25 / $35 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
OOP Max: $6,000 / $12,000
PCP / Specialist: $25 / $35 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
EPO Medium
In-Network Only
Deductible: $2,000 / $5,000
OOP Max: $6,000 / $12,000
PCP / Specialist: $20 / $30 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
OOP Max: $6,000 / $12,000
PCP / Specialist: $20 / $30 copay
Urgent Care: $50 copay
ER: $225 copay
Coinsurance: 20%
PPO High
In + Out-of-Network
Deductible (in): $2,000 / $5,000
OOP Max (in): $4,000 / $10,000
PCP / Specialist: $10 / $30 copay
ER: $225 copay
Coinsurance: 20% in / 50% out
HRA Funding: Employer covers first $1,000 of deductible (up to $1,000/$2,500)
OOP Max (in): $4,000 / $10,000
PCP / Specialist: $10 / $30 copay
ER: $225 copay
Coinsurance: 20% in / 50% out
HRA Funding: Employer covers first $1,000 of deductible (up to $1,000/$2,500)
All plans include Rx via ProAct · Retail 30-day: $0 / $25 / $60 · Mail order 90-day: 2× retail (NEW requirement - 2× mandatory) · Rx deductible: $50/$100 · Preventive care: $0. EPO plans cover in-network only, out-of-network claims are not paid except in a life/limb emergency. Medical rates include vision coverage costs.
New Medical Plan Enhancements
Beyond Med Discount Plan
Not Insurance · Discount Plan Organization
Reduced rates (~20% average) at in-network providers for services not typically covered by medical insurance: acupuncture, chiropractic care, dermatology, fertility, hearing, medical spa, mental wellness, physical therapy, plastic surgery, vision (LASIK), veterinary care, weight loss, and more.
How it works: Show your discount card or membership details at time of service. You pay the discounted rate directly to the provider. Beyond Med does not bill or reimburse.
Member Portal: beyondmedplans.com/auth/login
Concierge: 844-267-6192 (Mon–Fri, 9am–5pm EST)
How it works: Show your discount card or membership details at time of service. You pay the discounted rate directly to the provider. Beyond Med does not bill or reimburse.
Member Portal: beyondmedplans.com/auth/login
Concierge: 844-267-6192 (Mon–Fri, 9am–5pm EST)
eMed GLP-1 Weight Loss Program
Voluntary · Employee Paid
A proven GLP-1 weight loss program with 24/7 clinical care, branded FDA-approved medication, at-home blood testing kits, side effect support, progress tracking, and lifestyle guidance through Thrive Digital.
Cost: $149.99/month (annual subscription) - covers program access only; medication cost is separate and requires independent clinical evaluation.
Sign up: eMed.com/AllianceBuildingServices
This program is voluntary and employee-paid: not sponsored, administered, or subsidized by Alliance Building Services. Participation is confidential and not shared with your employer.
Cost: $149.99/month (annual subscription) - covers program access only; medication cost is separate and requires independent clinical evaluation.
Sign up: eMed.com/AllianceBuildingServices
This program is voluntary and employee-paid: not sponsored, administered, or subsidized by Alliance Building Services. Participation is confidential and not shared with your employer.
Semi-Monthly Payroll Contribution Rates — Effective 2026
2026–2027 Rates Coming Soon
We're finalizing next year's payroll contribution rates with our carriers. This section will be updated as soon as the new semi-monthly rates (including wellness surcharge tiers) are confirmed. Check back soon, or contact HR with any questions in the meantime.
All contributions are pre-tax. Rates shown will reflect the wellness surcharge tier rather than the spousal surcharge tier going forward.
Surcharges — How to Avoid Extra Costs
Tobacco Surcharge
$120/mo
Applied to tobacco users & enrolled spousesCigarettes, e-cigarettes, cigars, pipe tobacco, and chewing tobacco. Vaping is not subject to the surcharge.
How to waive
Option 1 — Non-user: Submit the Tobacco-Free Affidavit during enrollment.
Option 2 — Quit program: Complete WellRight "No Butts" + "Tobacco Cessation University" or "Health Coach" challenge within 3 months.
Option 2 — Quit program: Complete WellRight "No Butts" + "Tobacco Cessation University" or "Health Coach" challenge within 3 months.
Free Rx help
Nicotine gum, patches, Chantix, inhalers & nasal spray — $0 copay via ProAct (max 2 × 90-day courses). Call ProAct: 877-635-9545
Spousal Surcharge
$100/mo
Applied when your spouse has coverage available at their employerApplies to medical only — not dental or vision. Deducted pre-tax.
Exempt if…
Spouse is not employed · works at ABS · covered by Medicare / Medicaid / TRICARE · on COBRA · employer doesn't offer coverage · or employer charges employee 100% of the premium.
To waive
Submit the Spousal Surcharge Affidavit to HR certifying your spouse does not have access to employer-sponsored medical coverage.
Wellness Surcharge
Applied if…
You skip the annual wellness requirementsAnnual physical + fasting labs (Lipid Panel + Glucose) + biometrics. All enrolled dependents over 18 must also complete.
Deadlines
Current participants: 30 days from last physical or by Oct 1, 2026 - whichever is later.
New participants: 60 days / by Oct 1, 2026.
New participants: 60 days / by Oct 1, 2026.
Submit to
Physician Screening Form + official lab results (with name, DOB, test date) → hrofficebenefits@alliance.us.
Required Affidavits & Forms
Tobacco-Free Affidavit — Employee
For non-tobacco users or those tobacco-free ≥ 6 months. Required at enrollment.
No Tobacco Use Affidavit — Spouse
Required if your enrolled spouse is also tobacco-free. Both must sign.
Spousal Surcharge Affidavit
Waives the $100/month surcharge. Certifies spouse has no access to employer coverage.
Physician Screening Form
Annual wellness requirement. Submit with official lab results to hrofficebenefits@alliance.us.
Other Benefits
Dental
The Standard · Ameritas
Preventive: 100% in + out-of-network
Basic (fillings): Ded, then 80%
Major (crowns): Ded, then 50%
Annual max: $1,500 · Ded: $50/$150
Max Rollover: Unused balance rolls over (up to $1,000).
Basic (fillings): Ded, then 80%
Major (crowns): Ded, then 50%
Annual max: $1,500 · Ded: $50/$150
Max Rollover: Unused balance rolls over (up to $1,000).
Vision
The Standard · VSP Choice
Exam: $10 copay (every 12 mo)
Lenses: $10 copay (every 12 mo)
Frames: $150 allowance + 20% off
Contacts: $150 allowance
Included free with any medical election. Network: Costco, Walmart, LensCrafters, Target Optical.
Lenses: $10 copay (every 12 mo)
Frames: $150 allowance + 20% off
Contacts: $150 allowance
Included free with any medical election. Network: Costco, Walmart, LensCrafters, Target Optical.
Basic Life & AD&D
The Standard · Employer Paid
Life benefit: $50,000 (auto-enrolled)
AD&D: Up to 100% additional
Accelerated death: Up to 80% if terminal
Age reductions: 35% at 65 · 50% at 70.
AD&D: Up to 100% additional
Accelerated death: Up to 80% if terminal
Age reductions: 35% at 65 · 50% at 70.
Short-Term Disability
The Standard · Employee Paid
Benefit: 60% of weekly earnings, max $1,500/wk
Begins: 8th day of injury / illness
Duration: Up to 90 days
Eligible: 1st of month after 30 days of hire
Premium varies by age. Example at 40 ($50k salary): ~$12.69/mo.
Begins: 8th day of injury / illness
Duration: Up to 90 days
Eligible: 1st of month after 30 days of hire
Premium varies by age. Example at 40 ($50k salary): ~$12.69/mo.
Flexible Spending Accounts
American Benefits Group
Health Care FSA: Up to $3,300/yr
Dependent Care FSA: Up to $5,000/yr ($2,500 filing separately)
Commuter: Up to $325/mo for transit + parking separately.
Dependent Care FSA: Up to $5,000/yr ($2,500 filing separately)
Commuter: Up to $325/mo for transit + parking separately.
Voluntary Benefits
Aflac · Employee Paid
Hospital Indemnity · Cancer Care · Accident · Dental · Short-Term Disability · Term Life · Whole Life.
Eligible 1st of month after 30 days. Cash paid directly to you. All policies fully portable.
Eligible 1st of month after 30 days. Cash paid directly to you. All policies fully portable.
Wellness Program Requirements
Required to avoid wellness surcharge
All enrolled dependents over 18 must also complete.
1
Annual Physical Exam
Complete a full annual physical. Physicals dated on or after 5/1/2026 are accepted.
2
Fasting Lab Work
Required: Lipid Panel (Total / HDL / LDL Cholesterol + Triglycerides) and Fasting Glucose. Blood must be drawn by venipuncture — finger sticks are not accepted.
3
Biometrics
Your physician must record: Blood Pressure, Height, Weight, and Waist Circumference on the Physician Screening Form.
4
Submit Documentation
Email your completed Physician Screening Form + official lab report (must include your name, DOB, test date, and results) to hrofficebenefits@alliance.us by October 1, 2026. A physician's letter alone is not sufficient.
When Can I Change My Coverage?
Your elections are locked in for the full plan year unless you experience a Qualifying Life Event (QLE). Contact HR within 30 days of the event to make a change.
Marriage, divorce, legal separation, annulment, or death of spouse
Birth, adoption, or placement of a foster child
Change in employment status — you, your spouse, or domestic partner
Change in work hours affecting benefits eligibility
Dependent losing eligibility (e.g., child turning 26)
Entitlement to Medicare or Medicaid
Plan Documents & Forms
Plan Guides
2026–2027 Benefits Guide
Full plan overview: medical, dental, vision, FSA, life, disability & more
Short-Term Disability Flyer
Overview of voluntary STD coverage: rates, eligibility & how to enroll
New Benefit Enhancements
eMed GLP-1 Program Flyer
How to sign up, what's included, and program pricing for the eMed weight loss program
Beyond Med Member Benefits Overview
Full list of discount categories, how the plan works, and concierge contact info
Required Forms — Submit to HR
Physician Screening Form
Annual wellness requirement. Complete with your doctor & submit with lab results to hrofficebenefits@alliance.us by Oct 1
Spousal Surcharge Affidavit
Waives the $100/mo surcharge. Certifies your spouse does not have access to employer-sponsored coverage
Tobacco-Free Affidavit — Employee
Complete if you are a non-tobacco user or have been tobacco-free for 6+ months. Required during enrollment to waive the $120/mo surcharge
No Tobacco Use Affidavit — Spouse
Required if your enrolled spouse is also tobacco-free. Both employee and spouse must sign
Key Contacts
Ready to enroll? Log into eNavigator now.
Go to eNavigator →
Company Identifier: ABSOFFICE · PIN: last 4 digits of your SSN
Questions? Email hrofficebenefits@alliance.us or contact Elizabeth Rodriguez, Manager People & Culture, at 646-708-7739.