Resources & Documents
This page contains information regarding products and eligibility that you might find helpful.
Can't find what you're looking for? Email us at help@americanexchangebenefits.com.
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Benefits Education
Important benefits information can be found under this Resources page. In addition to this website, the Benefits Service Center is another benefits resource for enrollment assistance, benefits questions, and Annual Open Enrollment assistance. Trained Benefits Specialists are available to answer your questions by calling (866) 824-3572.
Medical
Additional Information and Plan Documents are coming soon!
For Questions or Additional Information on your Medical Plan:
Contact Bywater: (800) 337-0792 or for 24/7 portal access, visit: Bywater.VbaGateway.com
For Questions or Additional Information on your Pharmacy Plan:
Contact the True Rx Pharmacy Help Desk: (866) 921-4047 or visit www.TrueRx.com
To find an In Network Provider:
Visit the Cigna Portal at: www.myCigna.com
Employee Assistance Program (EAP)
Dental
Locating an In-Network Provider
To reduce your out-of-pocket costs and prevent balance billing, you are encouraged to use in-network dentists. Visit https://www.principal.com/find-dentist to locate participating dentists. Please refer to the Benefits Summaries for complete details.
Contact Principal
Contact Principal at (800) 843-1371 or visit https://www.principal.com/find-dentist.
Submitting a Claim:
Most providers submit claims to Principal on your behalf. Principal encourage this as it ensures the best and most accurate submission of your claim.
If you’re submitting your own claim, no claim form is needed. You can just send Principal:
- Provider's itemized statement, including:
- ADA codes and billed amounts for services performed
- Providers name, tax identification number (TIN) and address
- Date(s) of service
- Copy of the front and back of your ID card.
Send the information to:
Mail: Principal Life Insurance Company
PO Box 10357
Des Moines, IA 50306–0357
Fax: 866-301-1502
If additional information is needed, Principal will contact you.
Vision
Locating an In-Network Provider
With the Principal vision plan through VSP, you may visit any vision provider. However in order to maximize your vision benefit , it is recommended you access participating providers by visiting principal.com/vsp.
Contact VSP
Call VSP customer service at (800) 877-7195 for vision benefit information. Please use name and date of birth to verify benefits with VSP while waiting for your permanent ID card. Benefits cannot be verified correctly with a Social Security number.
Submitting a Claim:
Managed Care Vision (VSP® Vision Care)
In-network: If you visit a VSP provider, you don’t need to submit a vision claim. The VSP provider submits claims on your behalf.
Non-network: If you visit a non-network vision provider who doesn’t submit claims on your behalf, you can submit a claim online or download and mail the VSP member reimbursement form (above). View VSP claims and reimbursement FAQs. If you need assistance, call (800) 877-7195.
Life Insurance
Life Insurance Continuation of Coverage
In the event of termination of employment, you have the option to continue your life insurance coverage if certain conditions are met. Should you wish to apply for continuation of coverage you must contact Principal within 31 days from the date your group life coverage terminated or reduced. .
Contact Principal
Contact Principal at (800) 843-1371 or create an account at https://www.principal.com/
Submitting a Claim:
You can complete and submit the group life claim (above):
Mail: Principal Life Insurance Company
Attn: Group Life & Disability Claims Department
711 High St.
Des Moines, IA 50392-0002
Email: SBDClaims@principal.com
Fax: 800-255-6609
Disability
Contact Principal
Contact Principal at (800) 843-1371 or create an account at www.principal.com
Submitting a Disability Claim:
For group disability insurance policies, claims can be submitted via:
Online disability insurance claim form
Disability claim form instructions, employer and employee statements (above).
Mail: Principal Life Insurance Company
Attn: Group Life & Disability Claims Department
Des Moines, IA 50392-0002
Email: SBDClaims@principal.com
Fax: 800-255-6609
Retirement & Savings
For questions or additional information, please reach out to the appropriate resource, below:
- Enrollment Website (for newly eligible employees): Click Here
- Website for participants once enrolled: Click Here
- Participant servicing Phone number: (800) 421-4120
- Advisor Contact: Laura Owsley/Aon Miller (423) 486-1888
- Participant Mobile App: download the “American Funds RKDirect” 401k App
