Employee Resource Page
A library of comprehensive resources and information on UDA Benefits.
Medical- How it works, Eligiblity, MyCigna.com
UDA is self-insured. We offer two medical plans, Gold and Platinum, that are administered by Cigna Open Access Plus (OAP) Network. The plans allow access to both In-Network and Out-of-Network providers, but you will get UDA is self-insured. We offer two medical plans, Gold and Platinum, that are administered by Cigna Open Access Plus (OAP) Network. The plans allow access to both In-Network and Out-of-Network providers, but you will get better discounts and pay less money by remaining In-Network.
When you use providers from within the Cigna OAP network, you receive benefits at a discounted network cost.
All Out-of-Network services are subject to the amount determined to be eligible by the health plan and you are responsible for all charges over this allowance.
Eligibility
You are eligible for benefits if:
You are a regular, full-time employee working an average of 30 hours per week. Coverage (as a new hire) is effective the first of the month following the date of hire.
- You may also enroll eligible dependents for benefits coverage, the cost to you for dependent coverage will vary depending on the number of dependents you enroll in the plan and the particular plans you choose.
- When covering dependents, you must select the same plans for your dependents as you select for yourself.
Qualifying Life Events
Once you elect your benefit options, they will remain in effect for the entire plan year until the following Open Enrollment. You may only change coverage during the plan year if you experience a Qualifying Life Event, and you must do so within 31 days of the event.
What is a qualifying life event?
- Marriage, divorce, legal separation or annulment
- Birth, adoption or placement for adoption of an eligible child
- Death of a spouse or child
- Change in your spouse’s employment that affects benefits eligibility
- Change in your child’s eligibility for benefits (reaching the age limit)
- Change in residence that affects your eligibility for coverage
- Significant change in coverage or cost in your own, your spouse’s or child’s benefit plans
- FMLA Leave, COBRA event, Court Judgment or Decree
- Becoming eligible for Medicare or Medicaid
Eligible Dependents
- Your legal spouse
- Children under the age of 26, regardless of student status
- Children who are fully dependent on you for support due to a mental or physical disability, and who are indicated as such on your federal tax return; coverage may continue past age 26.
MyCigna.com
On myCigna.com and the myCigna App, you have easy access to personalized tools to help you take control of your health and your health care spending.
From your computer or mobile device, you can:
- Manage and track claims
- See cost estimates for medical procedures
- Compare quality information for providers and hospitals
- Track your account balances and deductibles
- Use the easy health and wellness tools
- Print a temporary ID card
2025 Medical Plans
Medical insurance helps to protect your overall health and covers many types of services. At UDA we have a self-funded medical plan, which means UDA takes on the cost and risk of benefit claims and partners with a Health Plan Administrator to administer the plan. Our Health Plan Administrator is Cigna Open Access Plus.
Benefit Features
Prescriptions
Prescription drug benefits under the UDA plans are coordinated by Cigna, our Pharmacy Benefit Manager (PBM). Through Cigna, you can access a network of thousands of chain and independent pharmacies.
- You can contact Cigna via the number on your Cigna ID Card
- 24/7/365
- Visit myCigna.com- Click to Chat
- Mon-Fri 9:00 am - 8:00 pm EST
Express Scripts
Express Scripts® Pharmacy helps make it easy for you to get your medication. With just a few simple clicks of your mobile phone, tablet or computer, your important medications will be on their way to your door (or location of your choice).
- Easily order, manage, track and pay for your medications on your phone or online
- Standard shipping at no extra cost1
- Fill up to a 90-day supply at one time
- Helpful pharmacists available 24/7
- Automatic refills and refill reminders so you don’t miss a dose
Mental Health Support
It’s more important than ever to protect your mental health. Mental health includes your emotional, psychological, and social well-being. It affects how we think, feel, and act. Behavioral health support is included as part of your Cigna Healthcare medical insurance plan.
Connecting to Care
When you need behavioral support, myCigna® makes it easy to connect with the right care – in person or virtually.
- Visit myCigna.com®
- Use the myCigna App
You have access to three in-person or visits with a licensed mental health provider in our Employee Assistance Program (EAP) network – at no additional cost.
We make it easy to access support.
- Over 206,000 providers are in Cigna Healthcare’s care network – it’s the largest in the country.
- A Fast Access Network guarantees you can lock in a first-time behavioral support appointment within five days.
- First-time appointment in two days or less; 2-day appointments available through provider partners:
- Alma, Bicycle Health, Brightside, Meru Health, and Path.
Onsite Wellness Center
UDA has partnered with Retro Health to provide an onsite wellness center for employees and spouses enrolled in our Medical Plans. The center is open 5 days a week at varying times to serve all shifts.
Why visit the UDA Wellness Center?
- No cost to the employee
- Education and coaching
- Convenience
- Screening lab work and physical biometrics
- Health Risk Assessment
- Flu Vaccines
- Biometric Screening
Retro Health Disease Management Program treats the top three chronic diseases that are impacting employee's health:
- Diabetes
- Hypertension (High Blood Pressure)
- Hyperlipidemia (high cholesterol/triglycerides)
The Retro Health onsite provider practices
high-quality, evidence-based,
relationship-focused medicine.
Wellness Center Hours
- Monday- 12:30 PM - 5 PM
- Tuesday- 8 AM - 1 PM
- Wednesday- 8 AM - 2 PM
- Thursday-12:30 PM - 5 PM
- Friday-8 AM - 6 PM
Contact Info
- 1-844-697-3876
- uda@retrohealth.com

Vision
Even if you have perfect eyesight, it’s important to have regular eye exams to make sure you’re still seeing clearly. Vision insurance helps protect the health of your eyes by providing coverage for benefits that often aren’t covered by regular medical insurance.
Full Feature Plan:
MetLife’s Vision provider networks include thousands of professionally certified optometrists and ophthalmologists who offer comprehensive vision exams and ways to purchase glasses or contacts in office. You have the freedom to choose from both in- and out-of-network vision providers.
Manage Benefits:
- Go to www.metlife.com/vision to access secure information about your Metlife benefits including access to an image of your ID card.
- Your online account will be set up 30 days after your plan effective date.
Find a Vision Doctor
- Visit www.metlife.com/vision and click on “Find vision provider” then select “VSP Choice” which will bring you to the VSP network.
Vision Benefit Assistance
- Call Metlife VSP Network: 855-638-3931
- Mon-Sat 9am – 8pm EST
- Interactive voice response system is available 24/7

Dental
Dental insurance helps to protect your overall oral care. This includes services like preventive cleanings, x-rays, restorative services like fillings, and other more serious forms of oral surgery if you ever need them.

Short Term Disability
Short Term Disability (STD) covers a part of your income for up to 11 weeks so you can pay your bills if you’re injured or sick and can’t work.
You are considered disabled and eligible for short term benefits if, due to sickness, pregnancy or accidental injury, you are receiving appropriate care and treatment and are complying with the requirements of the treatment and you are unable to earn more than 80% of your pre-disability earnings at your own occupation.
How to submit a claim:
- Call 1-800-300-4296
- Online: mybenefits.metlife.com
Long Term Disability
Long-Term Disability (LTD) insurance can help replace a portion of your income if you are unable to work for an extended period of time due to a sickness or accidental injury. It helps to provide the day to day peace of mind that comes from knowing that, during the time you would be recovering from a significant event in your life, you may not have to shoulder the additional burden of wondering how you’re going to pay for the things that would still have to be paid for.
How to submit a claim:
- Call 1-800-300-4296
- Online: mybenefits.metlife.com

Life Insurance
If something happens to you, life insurance can help your family reduce financial stress. Life insurance helps protect your family’s finances by providing a cash benefit if you pass away. This ensures that they’ll be financially supported, and can cover important things from bills to funeral costs.
All full-time employees are provided $50,000 Basic Term Life coverage, paid for by UDA.
Voluntary Life
With MetLife's Supplemental Term Life insurance, your employer gives you the opportunity to buy valuable life insurance coverage for yourself, your spouse and your dependent children -- all at affordable group rates.
Evidence of Insurability
There are a few situations where you need to answer health questions, enroll for higher amounts of coverage, or request coverage after the initial eligibility period.

Additional Benefits
Accident, Critical Illness, & Hospital
- Accident insurance
- An extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money in a lump sum of cash to cover any extra, out-of-pocket expenses associated with your injury.
- Critical illness insurance
- Helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke.
- Hospital indemnity insurance
- Helps when you need hospitalization due to sickness or injury. While your medical insurance may help to cover hospital bills in these situations, it may not cover all of the costs associated with a hospital stay, such as deductibles and co-pays, transportation, and lodging.
Get Assistance with Accident, Critical Illness, or Hospital Insurance
- 1-800-438-6388
- Mon-Fri: 8:00 a.m. to 8:00 p.m., EST
- mybenefits.metlife.com

401k
A 401(k) is an employer-sponsored retirement saving and investing plan. A 401(k) plan gives employees a tax break on the money they contribute.
- At UDA, employees are automatically enrolled in the 401(k) plan at a 3% contribution rate beginning on the 1st of the month after completing 30 calendar days of employment.
- The percentage is based on the employee's annual salary.
- UDA's impressive match gives employees double the amount they contribute up to 3%.
- So when an employee contributes 3%, UDA contributes 6%.
After one year of employment, UDA also makes a discretionary contribution of 5% of the employee's annual salary toward their retirement.
How to access your account:
Online
First time users:
- Go to principal.com/welcome
- Select Get Started to create an account.
Ongoing Access:
- Go to principal.com
- Click log in to access your account.
Having trouble setting up your login? Give Principal a call at 800-986-3343
SmartDollar
Say hello to SmartDollar, your free financial wellness benefit! Ditch money stress and learn to spend less, save more, and get rid of debt—for good.
You’ll learn how to:
- Handle financial emergencies
- Eliminate debt
- Change spending habits
- Tackle money anxiety
Stay on track with access to:
- EveryDollar, a budgeting app
- Financial coaching to help you set goals
- Educational videos, articles and audio lessons
Create Your Account
Go online to smartdollar.com/start
Enter the keyword: uda3072
