2025-26 Generations Healthcare Open Enrollment
Generations Healthcare recognizes you are a vital part of our success. We have chosen benefits we believe will support your physical, emotional, and financial wellbeing.
We’re committed to providing our employees with a benefits program that is both comprehensive and competitive. Our program offers a range of plan options to meet the needs of our diverse workforce. We know that your benefits are important to you and your family. This program is designed to assist you in providing for the health, well–being and financial security of you and covered dependents. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.
Open Enrollment is October 1 - 31, 2025
During open enrollment, you can:
Newly enroll in coverage
Change plans
Add or drop dependents
Decline coverage
Open enrollment is the one time during the year you can make changes to your benefits without experiencing a qualified life event such as marriage, divorce, or birth of a child.
Eligibility
You are eligible to participate in Generations Healthcare’s benefits program if you are a regular, full-time employee working at least 30 hours per week. If you are a new employee enrolling for the first time, your coverage will be effective on the first of the month following your date of hire, or change of status to full-time. You have up to 30 days from your hire date or the date you become eligible for benefits to enroll. Once your enrollment is processed, your coverage and any paycheck deductions will be retroactive to your health insurance effective date.
Dependent Eligibility
Eligible dependents include:
- Your legal spouse or registered domestic partner
- Children up to age 26, including natural children, stepchildren, legally adopted children, children for whom you are the legal guardian, foster children, children for whom you are legally responsible to provide health coverage under a Qualified Medical Child Support Order (QMCSO)
- Disabled children over age 26 if unmarried, incapable of self-support, dependent on you for primary support and the disability occurred before the age of 26
Important Documents
Benefits Enrollment
The Generations Healthcare benefits plan year is effective on November 1, 2025 through October 31, 2026. Your selection is in force from your benefit eligibility date through October 31st, unless you have a “Qualifying Life Event.” Generations Healthcare conducts an Annual Open Enrollment that will allow you to make changes for the following plan year.
Click here to learn about Qualifying Life Events.
Read Your Benefits Guide
This guide offers detailed information regarding your health coverage options, tax savings opportunities, and voluntary benefit offerings.
Enroll Online
Start your enrollment here.
Michelle Rubeshaw – HR Director
Phone: 714-241-5600 x4211
Email: michellerubeshaw@lifegen.net
Christina Linares – Benefits Administrator
Phone: 714-241-5600 x4216
Email: ChristinaLinares@lifegen.net
Know Where to Go for Care
Making smart choices when you need medical care can help you manage costs and get the right treatment. Consider the options below to guide you in deciding where to go based on your condition. For true medical emergencies, always call 911.
Virtual Care
24/7/365 via video or phone
$$$
- Allergies
- Earaches
- Minor health issues (headaches, nausea, cold and flu symptoms)
- Sinus pain
- Skin rashes
- UTIs and pinkeye
Primary Care Provider
Weekdays
$$$
- Changes to medications
- Minor health issues (migraines, cold and flu treatment, etc.)
- Ongoing care for chronic conditions
- Treatment for depression/anxiety
Urgent Care
Usually open every day, evenings, and holidays
$$$
- Animal bites
- Minor cuts that require stitches
- Sinus pain
- Sprains and strains
- X-rays
Emergency Room
24/7/365
$$$
- Chest pain
- Life-threatening allergic reactions
- Loss of consciousness
- Major injury
- Severe asthma
- Significant blood loss
Wellness Resources
You play an important role in managing your health care costs by maintaining or moving toward a healthy lifestyle. The Bazinga benefits program is here to help you. Should a non-emergency health concern arise, please first reach out to the 24-Hour Nurse Hotline or via Telemedicine for assessment.
Employee Assistance Program
GHC offers an Employee Assistance Program through Mutual of Omaha. This benefit is available to ALL employees and family members in their household. This is a completely confidential and free program that provides you with access to EAP professionals to help with work/life balance, family and work issues, and referrals for legal and financial assistance.
Visit mutualofomaha.com/eap
Contact: 800-316-2796
Telemedicine
Remember, you should only use telehealth services for non-life threatening conditions.
Anthem Plan:
- LiveHealth Online – medical and behavioral/mental health virtual care.
888-548-3432 or email help@livehealthonline.com
Kaiser Plan:
- Visit kp.org
Northern California – 650-358-7015
Southern California – 1-833-574-2273
Urgent Care
- Anthem Provider Search: anthem.com
- Kaiser Provider Search: kp.org
- Cost: Co-pay & deductible applies
Frequently Asked Questions
What is a Qualifying Life Event (QLE)?
There are 4 basic types of qualifying life events. (The following are examples, not a full list.)
Loss of health coverage
- Losing existing health coverage, including job-based, individual, and student plans
- Losing eligibility for Medicare, Medicaid, or CHIP
- Turning 26 and losing coverage through a parent’s plan
Family status changes
- Getting married or divorced
- Having a baby or adopting a child
- Death in the family
Change in residence
- Moving to a different ZIP code or county
- A student moving to or from the place they attend school
How Can I Save Money with Tax-Free Accounts (FSAs and HSA)?
Keep more of your paycheck by using pre-tax FSA and HSA dollars to pay for eligible expenses.
For 2025, the contribution limits are:
- Health care FSA: $3,300
- Dependent care FSA: $5,000
- HSA for individuals: $4,300
- HSA for families: $8,550
Contribution limits are set annually by the IRS.
Benefits Snapshot
For a snapshot of the valuable plans and programs offered in our benefits package, read the summaries below. For more detailed information, refer to your benefits guide or review the individual plan documents.
Medical
Virtual Care
Virtual care brings the doctor to you — including on nights, weekends and holidays. It’s a convenient and cost-effective alternative to traditional care.
Health Savings Account (HSA)
If you enroll in a high deductible health plan (HDHP), you may be eligible to open an HSA to pay for eligible health care expenses with pre-tax dollars or invest for the future.
Dental
Keep your smile bright — dental coverage provides essential services to support your oral health with routine checkups, cleanings, and more.
Vision
Flexible Spending Accounts (FSAs)
Employee Assistance Program
Retirement
Life and AD&D
Disability
Voluntary Life and AD&D
Accident
Accident insurance can help with expenses incurred due to an injury, ongoing living expenses, and more. Claims payments are made in flat amounts based on services incurred after an accident.
Hospital Indemnity
Critical Illness
If you are diagnosed with a critical illness, you may need additional financial support to help offset treatment costs and cover day-to-day expenses. The plan pays a lump-sum benefit that you can use to pay your mortgage, seek experimental treatment, or handle unexpected expenses.