Benefit Resources

Open Enrollment: October 1–31, 2026

Open Enrollment is your once-a-year opportunity to make changes to your pre-tax insurance and benefit plans.

All changes made during Open Enrollment will be effective January 1, 2027.

Important: Benefits That Require Annual Enrollment

You must enroll each year in:

• Medical Reimbursement
• Child Care/Dependent Care Reimbursement

These programs do not automatically carry over to the new plan year.

All other benefits will remain the same unless you make a change during Open Enrollment.

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Important Deadlines

October 30, 2026

All insurance plan changes must be received by Human Resources by Friday, October 30, 2026, at 5:00 p.m.

No exceptions.

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How to Enroll

Most benefit changes will be completed online through the enrollment portal.

Online Enrollment www.sabcflex.com/enrollment

Online enrollment is required for:

• Dental Insurance
• Vision Insurance
• Flexible Spending/Medical Reimbursement
• Child Care/Dependent Care Reimbursement

 

Paper applications must be completed for:

• Health Insurance
• Life Insurance Evidence of Insurability Form 
• Health Savings Account (HSA) Enrollment Form

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Need Help?

If you would like assistance from a Human Resources representative, an appointment is required.

Schedule an Appointment: HERE!

When scheduling, select:

Open Enrollments – Benefits

Gulf Park Employees

If you are a Gulf Park employee and would like to meet with HR in person, be sure to select the Gulf Park option when scheduling your appointment.

If you would like to meet virtually, please indicate that in the “add any special requests” box when scheduling your appointment

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Online Enrollment Instructions

• Go to www.sabcflex.com/enrollment
  
  • User Login/Employee ID#: Enter your Social Security Number (no dashes)
    
  • Password: Enter your 6-digit date of birth in MMDDYY format
    
  • Example: January 21, 1976 = 012176
    

Step 1: Review Personal Information

Review your personal information carefully.

• If everything is correct, select Continue to Step 2.
• If your address or phone number needs to be updated, complete the Change of Address Form.

Step 2: Review Insurance Premiums

Review your current insurance coverage and premiums.

• If your current coverage is correct and you do not need to make changes, select Continue to Step 3.
• To enroll in dental or vision coverage, select Enroll next to the desired product and complete the online form.
• To change or review dental or vision coverage, select Change/Review.
• To cancel the coverage, select Cancel Coverage and complete the form.

Step 3: Flexible Spending Election

If you choose to enroll in Flexible Spending, have your direct deposit information available.

Select Continue to Step 4 when finished.

Step 4: Review Cafeteria Plan Summary

Review your:

• Cafeteria Election
• Salary Reduction Summary

If everything is correct, select Continue to Step 5.

If changes are needed, select Back to Step 3.

Step 5: Acknowledgement & Signature

• Read the plan provisions.
• Check the Acknowledgement Required box.
• Enter your Social Security Number without dashes in the Employee Signature box.
• Select Continue to the Last Step.

Step 6: Save Your Confirmation

On the Election and Salary Reduction Agreement Confirmation page, keep a copy of your enrollment confirmation by selecting:

• Send E-mail, or
• Print

Step 7: Complete Enrollment

Select Done to finish the enrollment process.

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Benefit Information & Forms

Health Insurance

The health insurance plan will have a 6.5% rate increase across all coverage options for 2027.

Review the updated rates and plan information before making your election.

• 2027 Health Insurance Rates
• Health Insurance Application
• Select/Base Coverage Information
• 2027 Health Insurance Newsletter 

Important: A paper application must be completed for all health insurance changes.

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Dental Insurance

There are no changes to the dental plan for 2027.

• Dental Insurance Information Sheet 

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Vision Insurance

There are no changes to the vision plan for 2027.

• Vision Insurance Information Sheet 

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Life Insurance

Employees must be approved for Minnesota Life Insurance coverage.

An application and Evidence of Insurability are required when applicable.

• Minnesota Life Insurance Premium Information
• Life Insurance Enrollment Application
• Evidence of Insurability Form

Important: A paper application must be completed for all life insurance changes.

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Cancer Insurance

• Cancer Insurance Information Sheet

If you would like to add cancer insurance, contact our representative:

Hattiesburg: Jenna Swearingen

Gulf Park, GCRL & Stennis: Kathi Jackson

Contact information is available on the Cancer Insurance Information Sheet.

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Medical Reimbursement

Medical Reimbursement is a pre-tax benefit that allows eligible employees to set aside funds for qualifying medical expenses.

• Medical Reimbursement Information Sheet
• Deduction Medical Expenses
• Partial Over-the-Counter Drug List

You must enroll in Medical Reimbursement each year. Your election does not automatically carry over to the new plan year.

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Child Care / Dependent Care Reimbursement

• Child Care Reimbursement Information Sheet
• https://www.sabcflex.com/content/dependent-care

You must enroll in Child Care/Dependent Care Reimbursement each year. Your election does not automatically carry over to the new plan year.

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Health Savings Account (HSA)

A Health Savings Account allows eligible employees to set aside money for qualified healthcare expenses.

Who is eligible?

Only employees enrolled in the BASE option of health insurance are eligible to enroll in an HSA.

How to Enroll

A paper HSA application must be completed to enroll.

After your application is processed, Human Resources will send you an email containing the link and verification code needed to create your account with UMB Healthcare.

Learn more:

• What Is a Health Savings Account?
• UMB Healthcare HSA Resources
• Enrollment Form

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