Important Information Regarding 2021 Annual Open Enrollment

Hi Navigator Family,

Open Enrollment for all benefit-eligible staff is Tuesday, November 3 – Sunday, November 15.  All benefit-eligible staff are required to participate in Open Enrollment each year.  Please contact the Benefits Team if you have concerns regarding these enrollment dates; we cannot accept late submissions.

Important information about your 2021 benefits can be found below.

2021 Benefits Packet: Instructions for Open Enrollment, information regarding changes to your 2021 benefits, the 2021 coverage and premiums rates, vendor contact information, and your Credible Coverage Disclosure Notice (annual notice regarding Medicare Part D and prescription coverage)

HSA vs FSA : A Fidelity resource providing clear and easy to read information regarding the differences between a Health Savings Account and Flexible Savings Account

The Navigators EAP Benefits Summary: Access and resource information regarding the free Employee Assistance Program for work/life assistance including free mental health counseling

If you have any questions regarding Open Enrollment, please contact The Benefits Team by emailing benefits@navigator.org and we will connect with you within 1-2 business days.

Please remember upcoming communication throughout Open Enrollment will ONLY be sent to your Navigator Email.  Make sure you are logging in to your Navigator email during Open Enrollment. Please keep in mind you may receive emails regarding Open Enrollment from Workday in addition to The Benefits Team.

 We look forward to serving you.


Don’t forget to get your Flu Shot this year!

In light of COVID-19, we will not be hosting the on-site Navigators annual Flu Shot Clinic at USHQ this year. However, it is more important than ever to receive your flu shot and we want to make sure our Navigator family is set up for success in fighting the flu this year. 

For our Aetna members:

  • To learn more about who should receive a flu shot and the importance of protecting yourself, how to get a flu shot, and more information email benefits@navigators.org

For our non-Aetna members:

Want to learn more about the 2020-2021 flu season and how it is impacted by COVID-19? Please visit the CDC’s Frequently Asked Influenza (flu) Questions page for more information. 

As always, if you have any further questions regarding the 2020-2021 flu season we encourage you to reach out to your Primary Care Provider for more information. 

We continue to pray for the health and safety of our organization and that God will show us victory over this Flu season. Jerimiah 33:6 “Nevertheless, I will bring health and healing to it; I will heal my people and will let them enjoy abundant peace and security.”


Aetna Wellness Webinars

If you would like to learn more about healthy living, you can sign up for one of Aetna’s Wellness Webinars. The 30-minute webinars will be offered monthly on a variety of topics. Coming up next…

Managing Back Pain

Friday, September 25, 2020
12:30 p.m. – 1:00 p.m. EST

This Wellness Webinar will focus on “Managing Back Pain” and will include information on:

•     Overview of back pain
•     Causes and risk factors
•     Testing and treatment
•     Prevention
•     How to keep your back healthy

To Register: Send an email to the CARE team with your name and date of birth, and state that you want to attend the Managing Back Pain webinar. After registering, you will be emailed an invitation by Wednesday, September 23rd, with the webinar details to access the webinar online through WebEx. Reservations will not be taken past Wednesday September 23rd, as space is limited. If you have any questions, please email the CARE team.


Aetna Wellness Webinars

If you’d like to learn more about healthy living, you can sign up for one of Aetna’s Wellness Webinars. The 30-minute webinars will be offered monthly on a variety of topics. Coming up next…

Acid Reflux (Heartburn)

Friday, August 28, 2020
12:30 p.m. – 1:00 p.m. EST

This Wellness Webinar will focus on “Acid Reflux (Heartburn)” and will include information on:

• What is acid reflux
• What are the causes and symptoms
• How is it diagnosed
• Treatment
• Eating, diet and nutrition

To Register: Send an email to the CARE team with your name and date of birth, and state that you want to attend the Acid Reflux (Heartburn) webinar. After registering, you will be emailed an invitation by Wednesday, August 26th, with the webinar details to access the webinar online through WebEx. Reservation will not be taken past Wednesday August 26th, as space is limited. If you have any questions, please email the CARE team


Aetna Wellness Webinars

If you’d like to learn more about healthy living, you can sign up for one of Aetna’s Wellness Webinars. The 30-minute webinars will be offered monthly on a variety of topics. Coming up next…

Managing Cholesterol

Friday, July 31, 2020
12:30 p.m. – 1:00 p.m. EST

This Wellness Webinar will focus on Managing Cholesterol. You will learn:

  • What is cholesterol
  • Managing cholesterol
    • Taking medication
    • Healthy eating choices
    • Maintaining a healthy weight
    • Being active
    • Avoiding alcohol and smoking

To Register: Send an email to the CARE team with your name and date of birth, and state that you want to attend the managing cholesterol webinar. After registering, you will be emailed an invitation by Wednesday, July 29th with instructions to access the webinar online through WebEx. Reservations will not be taken past Wednesday, July 29th, as space is limited. If you have any questions, please email the CARE team


How Can I Avoid the Flu This Season?

As we spend more time indoors during the winter months, viruses such as influenza can spread like wildfire. Most people experience the flu as a week or two of aches, fever, and congestion. Only time—not antibiotics—will help you recover, since the flu is a virus. Those with weakened immune systems such as the elderly, young children, or those with chronic health conditions can suffer life-threatening complications from the flu.

Do you know these flu facts?

  • You can spread the flu even before you feel sick
  • To protect yourself and others, wash your hands frequently during cold and flu season
  • You can’t catch the flu from a flu shot because the shot uses a dead version of the virus
  • You may experience mild side effects from the flu shot, such as a sore arm or fatigue
  • Your body needs about two weeks to develop antibodies to the flu virus
  • You should get a flu shot each year to protect against the specific viruses circulating that year
  • If you get a flu shot, you can help protect your loved ones who cannot get a shot and those with weaker immune systems

Where can I get a flu shot?

  • At your doctor’s office: Call to make a flu shot appointment.
  • At an in-network pharmacy: Stop in or call to make an appointment.

Considerations for those over age 65

Ask about a high-potency flu shot for better protection. You should also ask your doctor about the shingles and pneumonia vaccines.


Strengthen your back: 12 easy exercises for lower back pain

How can you strengthen your back to avoid pain? Follow these daily exercises.

Lower back pain is a common cause for visits to the doctor. Actually called ‘low back pain’, it is the most common cause of job-related disability. This article will help you understand what low back pain is, what causes it and what you can do to help strengthen your back — including exercises.

What are the symptoms of low back pain?

  • Dull aches or pains in the low back (lumbar spine)
  • Stinging, burning pain
  • Numbness or tingling
  • Muscle spasms and tightness
  • Pain that gets worse after prolonged periods of sitting or standing
  • Difficulty or pain going from standing to sitting
  • These can often manifest or travel to the pelvis and hips as well.

Read an article on what causes low back pain here.

What can you do to strengthen your back?

By strengthening your back, you can reduce the symptoms and suffering of low back pain. There are various ways to do it, for example:

  • Strengthen your core muscles (which include your pelvic floor muscles, transversus abdominis and internal and external obliques)
  • Stay active! Aerobic exercise and limited bed rest for back pain are important
  • Lift weights. This doesn’t necessarily need to be hours of dead weights in the gym, a few specific exercises with small weights at home can help strengthen your back over time
  • Maintain good posture
  • Improve your flexibility
  • Avoid back braces, as these don’t help to strengthen your back and can actually weaken it as you start to rely on it.

Pilates, yoga, meditation and other relaxation techniques can also help to reduce pain and strengthen your core. Yoga helps increase muscle strength in specific muscle groups and also increases blood flow.

12 exercises to strengthen your back


Know Your Cost Before You Go with the Aetna Member Payment Estimator

Did you know that the costs for diagnostic tests can vary by thousands of dollars for the exact same test, depending where you go? Unlike any other purchase, you won’t know the final cost until you receive your bill weeks later—unless you use the Aetna Member Payment Estimator.

How does it work?

Ouch! You hurt your knee while hiking. How much will it cost to find out what’s wrong?

Unless you have a medical emergency, you should visit your primary care physician to help you decide if you simply need rest and ice, or more serious treatment. If your doctor suspects a serious injury, he or she will likely refer you to a specialist. If you visit in-network providers, you will be responsible for the full cost of the in-network charges unless you’ve already met your annual deductible.

Next, the specialist wants you to get an MRI to diagnose your problem, and refers you to the imaging department of your local hospital. How much would it cost to get your MRI at the hospital versus another location? Let’s find out.

  • Go to www.aetna.com and log in with your username and password OR open the Aetna mobile app on your smart phone
  • Click on See Coverage & Costs and then Estimate Costs
  • Type “MRI” in the search box or select it under Diagnostic Tests & Procedures (Your search is based on your address. Edit your location if you’d like to search elsewhere)
  • Select “MRI of the Lower Extremity Joint without Contrast (Dye)” (Don’t worry, you aren’t committing to anything by checking on prices)
  • Click “Get the Estimates” (You can also type in a specific facility name)
  • Click the “View Details” box next to a facility to see how much you will pay, based on whether you’ve met your deductible and/or coinsurance, and how much The Navigators will pay

Want to learn more?

Check out this video on the Member Payment Estimator.


Aetna RX Home Delivery is Now CVS Caremark Mail Service Pharmacy

Due to the merger of Aetna and CVS, the Home Delivery service will now utilize the CVS Caremark Mail Service Pharmacy. There will be no changes from the Aetna Rx Home Delivery other than rebranding with the CVS Caremark name and logo.

What will stay the same:

  • The Member Services number on your Aetna ID card will not change.
  • The prescription number, available refills, and credit card(s) associated with your account will remain on file. If you wish to remove the credit card(s) on file at this time, simply call the number listed on your Aetna ID card by April 26, 2019.

Some changes you may notice:

  • The logo on the prescription bottle label will now be CVS Caremark.
  • All future member notices and billing statements will come from CVS Caremark.

There will be no changes to the way you refill your medicine.