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You have been assigned a Launch Coordinator  whose job is to walk alongside you throughout the year and address any of your service-related concerns or questions. 

If you need assistance, please email launch@remodelhealth.com. 

You can expect a response within 24-48 business hours!

Your Benefits Details

Explore your health benefits resources.

These additional benefits are available to all benefits-eligible Organization Name employees:

Dental

Vision

MEC

Life Benefits

Disability

Telehealth

Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].

Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].

The Minimum Essential Coverage plan offers coverage for preventive services. You will be automatically enrolled in this benefit.

Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].

Managed by [Company]. For more information, contact [Name] at [email] or visit [website link].

With Teladoc, you can speak with a medical professional without leaving your home or paying copays. You will automatically be enrolled in this benefit.

A Health Savings Account is a medical savings account available to those enrolled in a high-deductible health plan (HDHP) as determined by the IRS. The funds contributed to an HSA are not subject to federal income tax and can be used for qualified medical expenses.

WHAT IS AN HSA?

WHY AN HSA?

Eligible employees can open up an HSA account to use tax-free dollars for qualified medical expenses! HSA funds remain in your account until you use them (i.e. the money rolls over every year and can be accumulated over time). In addition, HSAs are “portable,” meaning the account and all funds stay with you if you change employers.

YEARLY CONTRIBUTION LIMITS

Remodel Health encourages all employees enrolled in a High-Deductible Health Plan to contribute the full amount to their HSA each year if possible. Remember, if you don’t use the funds right away, they roll over and are tax-free. An HSA is a great safety net to have for whenever you may need it!

For more information about HSAs, please visit hsabank.com and click on “Learning Center.”

Welcome to Remodel Health, your new partner in navigating healthcare benefits.

Welcome, Lutheran SeniorLife Employee! We’re excited to introduce your 2026 health benefits, provided through your employer. This page is your central resource for all things related to your medical coverage—feel free to return here anytime you have questions or need to connect with your Remodel Health team. You can also access your Remodel Health account anytime using the login link below. 

*Please refer to the email invite sent by Remodel Health in order to create your account.

Introduction to Your ICHRA+ Plan

Health Savings Account (HSA) Details

Employees who are 65 and over are eligible to join Medicare! Now, you have access to enrollment support with Remodel Health’s Medicare Specialist. Remodel Health will provide an individualized advisement for all employees converting to Medicare. 


Henderson Brothers brokerage will be assisting with Medicare Enrollment. Please refer to Henderson Brothers or Lutheran SeniorLife benefits advisors for assistance 

Medicare Enrollment & Reimbursement

Frequently Asked Questions

Individual Plans

Health Reimbursement Arrangement (HRA)

What is an ICHRA?

ICHRA stands for Individual Coverage Health Reimbursement Arrangement. It’s a flexible, employer-funded benefit that allows your employer to offer you a tax-free monthly contribution toward the total premium cost of an individual health insurance plan that you choose. 

How Does it Work?

Instead of offering a traditional group health plan, your employer is providing you with a monthly contribution to apply toward an individual health insurance plan that best fits your needs. 

After you select a plan through the Remodel Health platform, our team will submit your application directly to the insurance carrier on your behalf. Once your plan is approved, we’ll make payment toward your premium on your behalf and finalize your enrollment. 

Factors that Determine Your Cost

Individual plans are priced based on four main categories:

Household Size

Ages of Household Members

Residential Location

Ancillary Plans

Teladoc

Teladoc is the global leader in whole-person virtual care that gives Remodel Health members access to board-certified doctors, therapists and specialists all at the click of a button.

Remodel Health customers have unlimited access to Teladoc with $0 copays for their entire household!

You will automatically be enrolled in this benefit.

For more information or to create your online account, visit www.teladoc.com.

Preventative Coverage

Are preventative care services covered under my individual plan?

All preventative care services are covered at 100% under your individual health plan. By utilizing these services, you can maintain your well-being and avoid more costly treatments down the road.

What is preventative care?

Preventative care includes medical services that help prevent illnesses or detect health issues at an early stage when they are often easier and less costly to treat. These services are designed to keep you healthy and identify potential health problems before they become serious.

What preventative care services are covered under my individual plan?

Most individual health plans must cover preventative care services at 100%. Note that these services are only free when delivered by a provider in your plan's network.

Click below for a list of preventative care services covered for each category:

Billing

What should I do when I receive my bill?

As a member of Remodel Health, even though you have an individual health plan, we help your employer deduct the monthly cost of your health benefits from your pay. We then take care of paying your monthly premium on your behalf.

Throughout the year, it's likely that you will continue to receive a monthly premium bill in the mail each month from your carrier or program. Don't worry - Remodel Health will handle the payment and send you a confirmation once this bill has been paid.

If you see anything unusual on your monthly bill or see a past-due amount, please reach out to our team at care@remodelhealth.com.

Enrollment Steps

Your Direct Point of Contact

At Remodel Health, our support staff is dedicated to helping members succeed.

Who is Remodel Health?

Remodel Health is your trusted partner in navigating your new personalized health benefits through the ICHRA model. 

Our team of licensed experts is here to support you every step of the way—providing the tools,  guidance, and information you need to confidently choose the health coverage that works best  for you and your family.

With years of experience and a strong commitment to service, we’re dedicated to making your transition to an individual health plan as smooth and stress-free as possible. You can rely on us for continued support, answers to your questions, and help finding a plan that fits both your needs and your budget.

Those who enroll in health benefits are also eligible for the  medical expenses HRA. The Employee will be responsible for the first $1,500 of medical expenses for you and any dependents on the plan. St. Anne's will then reimburse qualifying expenses up to $3,500. The Employee will be responsible for any remaining expenses.

Introduction to St. Anne's HRA

Please Attend: Employee Education Sessions

Tobacco

Remodel Health and ICHRA Overview

When you enter your household information into the secure Remodel Health platform, it will automatically calculate the monthly contribution amount provided by your employer. Once that amount is determined, it will be factored into the plan prices shown during your shopping experience—so you’ll see the actual cost to you after your employer's contribution is applied.

Key Benefits of ICHRA

• Guaranteed Issue: You cannot be denied coverage based on pre-existing conditions, including health status, age, or income. 
• Stable Pricing: Your health history won’t impact the cost of your plan.
• More Choice: You get the freedom to choose the plan that works best for you and your family.
• Employer Contribution: Contributions from your employer are tax-free and lower the total cost of your premium, keeping more money in your pocket. 

Your Plan Details

Already enrolled for 2026? If you’ve created your Remodel Health account and selected your health plan for 2026, you can log in anytime to view the details of your coverage.

What are individual plans?

Remodel Health revolutionizes employee benefits with Individual Coverage Health Reimbursement Arrangements (ICHRA), offering a personalized approach distinct from traditional group plans. Unlike conventional plans, which provide a one-size-fits-all package, Remodel Health empowers employees to choose individual health insurance tailored to their unique needs, funded by employer contributions. 

What are the available plan types?

• High Deductible Health Plans (HDHP): This type of plan has a higher deductible and lower premium. It often pairs with a Health Savings Account (HSA), allowing you to save pre-tax money for medical expenses. HDHPs are suitable for those who want to save on premiums and are prepared to pay more out-of-pocket for medical expenses until the deductible is met.
• Copay Plans: These types of plans require paying a fixed amount (copay) for certain services, such as doctor visits or prescriptions, while the insurance covers the rest. They usually have lower deductibles and are beneficial if you prefer predictable costs for routine services.
• Network Plans: These include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). They define a network of healthcare providers you can visit.
  • HMO: This plan requires you to choose a primary care physician (PCP) and get referrals for specialists. Coverage is limited to in-network providers except in emergencies.
  • PPO: This plan offers more flexibility by allowing you to see any doctor, in or out of network, without a referral. Out-of-network care is covered but at a higher cost.
  • EPO: This plan combines the features of HMOs and PPOs. You don't need referrals for specialists but must use in-network providers except in emergencies.

How do networks work?

Networks are groups of doctors, hospitals, and other healthcare providers that have agreed to provide medical services to a health insurance plan's members at negotiated rates.

• In-Network Providers: These providers have contracts with your insurance company to offer services at lower, agreed-upon rates. When you visit an in-network provider, your insurance covers a larger portion of the cost, and you pay less out-of-pocket through lower copays, co-insurance, and deductibles.
• Out-of-Network Providers: These providers do not have contracts with your insurance company, so they can charge higher rates for their services. If you visit an out-of-network provider, your insurance may cover a smaller portion of the bill or no portion of the bill at all, leading to higher out-of-pocket expenses for you.

Why do networks matter?

Choosing the right type of plan and understanding how networks work can significantly impact your healthcare experience, costs, and access to services.

• Cost Savings: In-network providers have agreed to charge lower rates, which helps control healthcare costs for the insurer and the insured.
• Quality Assurance: Insurance companies often review and select in-network providers based on quality standards, ensuring you receive care from reputable providers.
  
• Predictability: Using in-network providers makes it easier to predict your medical expenses, as you'll know your copays, co-insurance, and deductibles in advance.

Remodel Health HelpDesk

Remodel Health On-Site Assistance

Virtual Employee Education

Onsite OE Support

Deadline to Enroll

Plan Active

October 27-31, 2025*

November 11-13, 2025*

November 17, 2025

January 1, 2026