Members (All)
Your go-to guide for understanding and using your OS BENEFiTS membership — from enrolling in coverage to finding a doctor, accessing your ID card, and getting the most out of your benefits.
15 articles
- How do I log in to my OS BENEFiTS account?OS BENEFiTS uses a secure, passwordless login — no password needed. Here's how to request your magic link and get into your dashboard in just a few steps.
- How do I view and update my profile?Need to update your name, phone number, email, or other personal details? Here's how to manage your profile in your OS BENEFiTS account settings.
- Is My Coverage Active?Not sure if your benefits are currently active? Learn how to quickly check your coverage status and what to do if you need help.
- Delta Dental isn't finding my information — what should I do?Can't register with Delta Dental or your information isn't being found? Here's what to check and how to get your enrollment verified.
- How do I access my insurance ID cards and member information?Looking for your medical, dental, or vision ID card — or your member ID and carrier name? Here's where to find each one and when to expect your cards.
- How do I file a Hospital Indemnity claim? (VitalCare+)On VitalCare+ and been hospitalized? Your Hospital Indemnity benefit pays cash directly to you. Here's what it pays and how to file a claim.
- How do I renew my health coverage?Plan year ending? Here's how to renew your health coverage in the OSB Dashboard — keep your current plan, switch plans, or update your dependents.
- How do I waive or decline health coverage?Don't need coverage right now? Here's how to waive or decline your health benefits — and how to change your selection if you've already enrolled.
- How does my health insurance premium work? What comes out of my paycheck?Wondering what's coming out of your paycheck for health insurance? Here's how your premium works and where to find it.
- How does pricing work with dependents, and how do I confirm they're covered?Adding a spouse or kids to your plan? Here's how coverage tiers and pricing work, whether the price shown is per person, and how to verify your dependents are covered.
- I can't log in or the dashboard isn't working — what should I do?Can't log in to your OSB Dashboard, didn't get your magic link, or stuck on a page that won't load? Here's how to troubleshoot it.
- What are my plan's coverage limits and exclusions?What isn't covered by your plan, and what annual limits apply? Here's an honest look at plan limitations and how to plan care without surprises.
- What tier is my medication? Understanding the formulary, prior authorization [PA], and step therapy [ST]What do the drug tiers mean, and what are [PA] and [ST] on the formulary? Here's how to read your covered drug list and figure out your medication copay.
- Why did I get a bill from the hospital? Understanding Reference-Based PricingGot an unexpected bill from a hospital? Your plan uses Reference-Based Pricing — here's what a balance bill is and why you shouldn't pay it before contacting us.
- Which plan should I choose? How do I know what's right for me?Choosing a health plan is a big decision — and it's one we take seriously enough that we don't leave it to guesswork (or a chatbot).