Step 1: Login: Go to www.employeenavigator.com and click Login.
• Returning users: Log in with the username and password you selected or click Reset a forgotten password if you've forgotten your login information.
• First-time users: Click on the Registration Link in the Open Enrollment email you received, or click on Register as a new user as shown below. You will need the company identifier (BedfordCity) from your Open Enrollment email.
Step 2: Welcome!: After you log in click Continue and then Let's Begin.
Step 4: Start Open Enrollment: Click on Start. You’ll need to complete some personal and dependent information before proceeding to your open enrollment benefit elections.
Tip: Have dependent details handy. You will need their date of birth and Social Security number to enroll a dependent in coverage.
Step 5: Personal Information- Verify/Edit your personal information and click Save & Continue.
Step 6: Verify or edit your address information and then click Save & Continue.
Step 7: Dependent Information- To add dependents, click on Add Dependent + and add your dependents. Then, click Save & Continue. If you do not have dependents, just click Save & Continue.
Step 8: Once you have updated your personal information, address, and dependents, you will be able to begin making your open enrollment benefit elections. The first benefit will usually be medical insurance followed by the non-medical benefits.
- Who am I enrolling?- In this section, you will select who will be covered on the plan. The system automatically includes you, the employee. If you would like to cover your dependents, you MUST select the dependent(s) you wish to cover on the plan. It's important to click on each dependent you would like to cover on the plan.
- How much will it cost? The cost per pay period will change on the screen as you add dependents to the plan. For example, in the first screenshot below for employee-only coverage, the medical plan costs $75.03 per pay. In the second screenshot, all dependents have been selected, and the cost per pay changed to $185.64.
- What plan do I want? You will select the plan you would like to enroll in. Be sure that you have followed the steps above and have clicked on the dependents that you would like to cover on the plan. Click on Selected next to the plan you would like to enroll in and then click Save & Continue.
- Don't Want This Coverage? If you do not want to enroll in the benefit, click on Don't want this benefit? and then select the reason why you do not want to enroll in the plan, and then click Apply.
- Compare and Details—Click the Compare button to see a side-by-side comparison of the current insurance plan and the plan available during open enrollment. This is a great way to understand if your costs or coverage are changing.
- Helpful Resources- In this section, you'll be able to view plan-specific documents, such as a benefits summary, an overview of the benefit, provider links, and/or a video about the benefit.
- My Selections - Look for this section on the top-right side of the screen for each benefit page. If you are currently enrolled in the plan, it will be displayed here along with your current cost.
Step 9: Go through each benefit plan and either enroll or waive each plan.
If you have elected benefits that require a beneficiary designation or completion of an Evidence of Insurability form, you will be prompted to add in those details throughout the enrollment process.
- Beneficiary Forms- To add a beneficiary, click on Add a Beneficiary + and complete the required steps. Then, click Continue. You must allocate 100% to a beneficiary/beneficiaries.
- Evidence of Insurability form- Some types of coverage require an approval process, called Evidence of Insurability or EOI. If you must complete an EOI form, you will receive a notice in the enrollment process.
Step 10: Enrollment Summary
Please look over the open enrollment benefits you selected on the enrollment summary page to make sure they are correct, then click Click to Sign to complete your enrollment. You can either print a summary of your elections for your records or log in at any point during the year to view your summary online.
Tip: If you miss a step, you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them. You must make an election for each benefit offered, even if you are waiving the benefit. You cannot skip any step in the open enrollment process.