OneMain is committed to delivering best-in-class benefits to promote overall wellness. We look at your feedback and review the best choices in the marketplace to provide you with an array of comprehensive benefits. In 2025, we're introducing new carriers for dental and vision plans as well as several new benefits and enhancements that are sure to make a difference in your life and that of your family.
OneMain is moving to MetLife Dental and EyeMed Vision coverage to support high-quality care at lower costs to you.
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OneMain is committed to creating an exceptional benefits experience for all team members.
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OneMain is making enhancements to a powerful benefit with ID Watchdog to better protect your identify.
Learn MoreOneMain provides two MetLife dental plans for you to choose from. Your MetLife Preventive and Enhanced Plans offer dental coverage through MetLife PDP Plus network.
The MetLife Dental Plan uses the PPO Plus network of providers. PPO plans provide benefits for a broad range of covered services/procedures, giving you the flexibility to choose any licensed dentist, in or out-of-network with:
Expansive network of dental providers
More savings when you stay in-network
No paperwork; in- or out-of-network dentists submit your claims
Additional savings with MetLife’s negotiated fees at savings of 35-50% off dentist list prices
Routine preventive care is often covered 100%, in-network
Download the MetLife App for your iPhone or Android device and securely access your account. Find a Dentist in your area, view your ID card, change your dental office and view your plan and claim summary. Use the Bright Smile feature to track your daily brushes and flossings with built-in reminders and timers to earn badges for maintaining your bright smile.
OneMain's dental plan through MetLife leverages the PPO Plus network of providers. Use the MetLife Find a Dentist tool to search their network of dentists and specialists near you - or the best one to suit your specific needs. To receive in-network benefits, services must be performed at the provider's given address/location,
MetLife’s Preferred Provider Organization (PPO) plans feature the MetLife Preferred Dentist Program, which is designed to save you money on dental services. You can choose from thousands of participating general dentists and specialists nationwide. Plus, you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist, and less paperwork.
A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 35 - 50% less than the average charges in a dentist’s community for similar services.
You can find the names, addresses, specialties, languages spoken, and telephone numbers of participating dentists in a given area by searching our online directory – Find A Dentist.
All dental offices that participate in the network provide instructions on how to access emergency care 24 hours a day, 7 days a week. If you cannot reach your selected participating dentist, you may receive emergency care from any licensed dental care professional. The definition of what is considered “emergency care” and other specifics can be found in your policy, Certificate of Insurance, Evidence of Coverage or Summary Plan Description.
Dental ID cards can be downloaded from the MetLife MyBenefits portal. After you enroll, you will receive a welcome letter that will provide instructions. To access important information regarding your dental benefits and to download your digital ID care, visit mybenefits.metlife.com. You can easily perform tasks, such as:
MetLife’s Preferred Provider Organization (PPO) plans feature the MetLife Preferred Dentist Program, which is designed to save you money on dental services. You can choose from thousands of participating general dentists and specialists nationwide. Plus, you will enjoy lower out-of-pocket costs for in-network services, freedom to use any dentist, and less paperwork.
Find a dentist/verify your dentist is an in-network provider
Access & download digital ID card(s) to have on the go
Review coverage
Estimate out of pocket costs
Sign up for eAlerts and review claim status
Policy/Group: 00000000
Call: 800-GET-MET8 (800-438-6388)
Website: metlife.com/onemain
Your vision health is an important part of complete wellness. Your vision plan is designed to give you and your covered family members the care, value and service to help maintain good vision and overall health. The vision plan is administered by EyeMed and leverages the EyeMed Insight provider network.
EyeMed offers:
Expansive network of dental providers
More savings when you stay in-network
No paperwork; in- or out-of-network dentists submit your claims
Additional savings with MetLife’s negotiated fees at savings of 35-50% off dentist list prices
Routine preventive care is often covered 100%, in-network
EyeMed Member Web is the central hub for your vision benefits. See your benefit breakdown, savings snapshot, cost estimator and a detailed eye doctor search — all in one secure place.
Make the most of your EyeMed experience on the go with the EyeMed App. See your benefits and eligibility, track claims, find in-network providers, view your ID card, set up appointments and reminders and more.
EyeMed brings the doctors to you with their Provider Locator. Search by ZIP code, location, doctor, or network and filter results by services, hours, languages and specialties among others. Schedule online and browse special offers by location or retailer.
It's a lot easier than other kinds of benefits you might have. Just choose an in-network eye doctor from the Enhanced Provider Search on eyemed.com, schedule your visit, and go in for care or eyewear. You don't even need your ID card if you don't have it-just give them your name. When you stay in-network, we'll handle all the paperwork.
Yes, you can view your benefits and do a lot more on our secure member portal- such as print an ID card, check the status of a claim, locate a provider and download an Explanation of Benefits.
Download the EyeMed Members App (App Store or Google Play) to get the same features, plus the ability to save a vision prescription, set an eye exam reminder or save your ID card to your wallet (iOS only).
When you see one of our in-network providers, we take care of all the paperwork. If you visit an out-of-network provider AND have out-of-network benefits as part of your plan, you'll need to pay during the visit and submit a claim form online for reimbursement. Remember to upload an itemized paid receipt with your name included.
We send two ID cards in the subscriber's name when you join EyeMed, but you don't have to have it when you visit your eye doctor. If you lose your card or need extras for your family, you can print a replacement on the member portal. To pull up a digital version anytime, anywhere, download the EyeMed Members App through the App Store or Google Play.
Our Enhanced Provider Search on eyemed.com has more than 100,000 network providers to choose from. You can filter your search to find ones near you that have the frame brands, hours and services you want most.
Yes. At participating in-network providers. members get extra savings like 40% off complete additional pair of eyeglasses or 20% off non-prescription sunglasses and accessories. (These discounts are for in-network providers only. Benefits may not be combined with any discount, promotional offering. or other group benefit plans. Additional limitations and exclusions may apply. Log in to member portal for full details.)
Don't like wearing glasses or contacts? We also offer discounts on LASIK laser vision correction. Learn more about LASIK or call 1.800.988.4221 to find a US Laser Network provider.
If they're under the age of 18, their information will be listed with yours on the member portal. But. due to privacy rules. dependents 18 or older won't be listed there. They'll need to register for their own account.
Yes, apply EyeMed benefits in your shopping cart at many popular online eyewear stores. with free shipping. free returns and no paperwork. Visit any of our online network options:
LensCrafters.com
Glasses.com
TargetOptical.com
ContactsDirect.com
Ray-Ban.com
Yes, a Health Savings Account (HSA) or Flexible Spending Account (FSA) is a great way to pay for a variety of health-related out-of-pocket expenses. including vision care. You can use the money for the eye exam copay. prescription glasses or contact lenses, supplies such as contact lens solution, even LASIK surgery. Vision care out-of-pocket costs are also eligible for Health Savings Account reimbursement, though these expenses don't count toward your annual deductible. Double check your account type and eligible expenses to confirm vision care is covered.
Getting an eye exam isn't just about needing glasses. It's also about your health. An eye exam can detect eye health problems like glaucoma or cataracts, but it may also help identify signs of serious diseases. like high blood pressure, diabetes and high cholesterol - just to name a few. We talk about the vision/health link a lot at eyesiteonwellness.com.
The American Optometric Association recommends a first eye exam with an optometrist or ophthalmologist between 6 months and 1 year of age. The doctor may check for things like nearsightedness, farsightedness, astigmatism. amblyopia (or "lazy eye"), proper eye movement and eye alignment. and how the eye reacts to light and darkness. They also recommend an exam between the ages of 3 and 5, and every year after that. During these exams. many doctors may do a comprehensive eye exam and vision screening tests, depending on the child's vision needs. To learn more about your child's vision, visit eyesiteonwellness.com.
A vision screening does not take the place of an eye exam. Generally, they check a child's ability to see far away and check for color blindness, but a comprehensive eye exam evaluates the entire structure of the eye and also allow the doctor to view nerves and blood vessels, providing a glimpse into a child's overall health. Eye doctors may also check for farsightedness, which is more common in younger children.
Vision changes can happen slowly-you may not even notice it. Annual eye exams are a good rule of thumb unless your doctor suggests more frequent checks; we suggest making it part of your regular preventive care routine.
OneMain is amplifying our already powerful prescripton benefit through Express Scripts with Scripta Insights. Scripta provides personalized savings reports that identify lower-cost therapeutic alternatives, prescription coupons, and cost comparisons, available via their app or online portal. Scripta's approach aims to reduce out-of-pocket costs for patients while ensuring better health outcomes, saving clients millions of dollars annually.
This benefit is available at no cost to you; however, you must be enrolled in a UnitedHealthcare or the Surest Copay medical plan with access to the Express Scripts Prescription benefit.
Scripta finds prescription medicines that are the same or clinically equivalent to the ones you’re already taking, but they cost less on your insurance plan. If you have an opportunity to save, you’ll receive a Personalized Savings Report that lists your current meds & lower-priced options to discuss with your doctor. Scripta is here to provide you, your doctor and your pharmacist with the tools and information you need to be a better prescription shopper—so you get what’s best for your health at a price that's right for you.
Scripta is 100% free to team members who are enrolled in a OneMain medical plan through UnitedHealthcare or the Surest Copay Plan.
Scripta gets information about the drugs you are taking directly from your pharmacy benefit provider (Express Scripts). Their job is to look for possible savings and to prepare your individualized “Employee Savings Report.” The report outlines all the possible savings opportunities for medications you have been prescribed. A conversation with your healthcare provider is usually all that is needed in order for you to take advantage of those savings.
For most savings opportunities, you will need to talk to your healthcare provider. Simply print out your Savings Report and take it with you to your next doctor’s appointment. Tell your doctor or healthcare provider that you would like to save some money, and that you have been given a “Savings Report” that suggests some alternative treatment options. If your provider thinks our recommendations will work for you – ask them to write a new prescription, fill your prescription as usual and start saving.
You do NOT need to talk to your doctor for a pharmacy change. Simply take your prescription to the new pharmacy to be filled. You also do not need your doctor to purchase over-the-counter options instead of prescription drugs. This means just buying a non-prescription alternative to what you are taking. However, if your report recommends medications that are now “Free” on your plan, you will still need a prescription for to get them for free.
Scripta makes recommendations based on available pricing data for drugs covered under your employer health plan, plus all possible therapeutic alternatives. They have a panel of doctors (including specialists in wide range of fields) and pharmacists who constantly update recommendations based on any changes in the marketplace.
You do not have to follow Scripta recommendations. What drugs you take is between you and your doctor. Scripta’s goal is to help you better understand your options, to make you aware of savings opportunities, and to provide you with information about the drugs that you are taking so that you can have more informed discussions with your doctor.
Tell your healthcare provider that you have been given some suggestions that might save you money on your medications. 90% of the time a doctor writes a prescription, they have no idea what it will cost you so your doctor should be happy to have this discussion.
Scripta gets this information directly from your pharmacy benefit provider (Express Scripts). Their job is to look for possible savings based on prescription medications you may be taking. Your health information is always treated as highly confidential. It is safe, securely stored, always encrypted, and it is not shared or discussed with anyone—not even OneMain.
Scripta uses information about your past and current medications in order to prepare your individualized “Employee Savings Report.” The report outlines all the possible savings opportunities for medications you have been prescribed. They then work directly with Express Scripts in order to find savings opportunities. Your health information is always treated as highly confidential.
Your data is 100% encrypted and everything Scripta does is HIPAA compliant – that means they do not discuss or share your information with anyone. Scripta's website is secure as well. Scripta uses the https protocol to encrypt all communications. You can tell if a site is secure (using the https protocol) by looking at the address bar in your browser. Not only should the address begin with “https://” but there should be a “padlock” icon next to the address.
OneMain is pleased to enhance our Mental Wellness benefit offerings with Calm Health. Calm Health is designed to support a variety of health and life experiences. Calm Health’s personalized plans guide individuals to evidence-based programs and resources that are most relevant to their needs. In addition, a selection of some of the most popular mindfulness content from the Calm app is available.
This benefit is available at no cost to you; however, you must be enrolled in a UnitedHealthcare or the Surest Copay medical plan to access the Calm Health app and services.
Featuring a dynamic mental health screening, Calm Health allows you to self-screen for symptoms of anxiety and depression using validated question sets, consumer-friendly results and recommended paths forwards. Mental health programs are written by psychologists and adhere to the principles of cognitive behavioral therapy, acceptable and commitment therapy and dialectical behavioral therapy. Based on your screening, Calm Health guides you to appropriate care levels through the approved provider network, specialty care or other solutions. The Calm Health app is built to comply with HITRUST and HIPAA privacy and security standards and can be integrated into care programs.
Calm Health is an invitation-only app from your health insurance plan, physician/care team, or employer. Calm Health lets you access digital mental health programs created by psychologists to support specific conditions and mental health, in addition to a curated selection of popular Calm content.
How to get started:
The Calm app is open to everyone and is focused on sleep, relaxation, and daily mindfulness with a vast library of content including celebrity-narrated Sleep Stories, soothing soundscapes, and guided meditations.
Calm Health, available through select health insurance plans, physician/care teams, and employers, is designed to support a variety of health and life experiences. Calm Health’s personalized plans guide individuals to evidence-based programs and resources that are most relevant to their needs. In addition, a selection of some of the most popular mindfulness content from Calm is available. The Calm Health app is also built to comply with HITRUST and HIPAA privacy and security standards and can be integrated into care programs.
You must be enrolled in a UHC plan or the Surest Copay Plan through OneMain to access Calm Health.
Yes. Please be sure to check your sponsorship information with your health plan, care provider or employer as Calm Health is currently only available to sponsored users at the moment.
Yes, if you are new to Calm Health, you must first register for a Calm Health account, even if you already have a Calm account. You may use the same username and password for both of your Calm and Calm Health accounts if you wish.
Calm Health offers personalized plan recommendations based on each individual’s unique needs. To get access to the full plan and library of Calm Health clinical programs, please register and create an account using your sponsorship code.
The Calm Health app is currently available only to users sponsored by select health insurance plans, physician/care teams, or employers.
If you've been invited to join Calm Health through your health insurance plan, physician/care team, or employer, you should have received an invitation email containing an enrollment link and access code.
Check out this support article for steps to redeem your Calm Health sponsorship within the app or on our website.
If your Calm Health sponsorship through your current healthcare provider or employer ends, you will still have access to your Calm Health account and data. Please see this support article for the options available to you.
If you have a new healthcare provider or employer offering a Calm Health sponsorship, please see “How do I change my Calm Health sponsorship” below.
If your healthcare provider or employer changes and you are invited to continue your Calm Health sponsorship with a new provider, you can update your sponsor details in the Profile settings of the Calm Health app or website.
You can change your sponsorship through specific member portal instructions provided by your benefits administrator. Additionally, you may receive a unique Calm Health invitation link or an access code from your new provider to complete this process. Please see this support article for further instructions.
Calm Health’s content is original and written by psychologists. The program tools are based on various therapeutic approaches like cognitive behavioral therapy (CBT), acceptance and commitment therapy (ACT), and dialectical behavior therapy (DBT).
Absolutely. Calm Health is designed to supplement other forms of support and is not intended as a substitute for care by a physician, therapist, or other physical or mental healthcare provider.
At Calm, we are committed to accessibility, diversity, and inclusion. We are making ongoing efforts to have Calm’s digital properties be accessible to everyone, regardless of ability. Calm has a goal to align with applicable accessibility standards, including those in the W3C’s Web Content Accessibility Guidelines (WCAG) 2.1 AA standard and the EN 301 549.
For more information, please see our Calm Digital Accessibility Statement.
We take privacy seriously here at Calm. The Calm Health app is built to comply with HITRUST and HIPAA privacy and security standards. For details, please see the Privacy Policy.
In order to personalize the Calm Health experience, we ask all Calm Health users to fill out a quick survey about your thoughts and feelings over the last two weeks. These questions use the Patient Health Questionnaire (PHQ-9) and General Anxiety Disorder screening (GAD-7), which are effective, clinically valid, and industry standard screenings for mental health.
The Patient Health Questionnaire-9 (PHQ-9) and Generalized Anxiety Disorder-7 (GAD-7) are both widely used screening tools in the field of mental health. They are designed to assess the severity of symptoms related to depression and generalized anxiety disorder, respectively.
The PHQ-9 is a self-reporting questionnaire consisting of nine questions that measure the presence and severity of depressive symptoms. It covers various aspects of depression, including feelings of sadness, loss of interest, changes in appetite or sleep patterns, fatigue, and difficulty concentrating. Each question is scored from 0 to 3, with higher scores indicating more severe depressive symptoms.
On the other hand, the GAD-7 is a self-reporting questionnaire that assesses the severity of generalized anxiety disorder symptoms. It consists of seven questions that cover symptoms such as excessive worry, restlessness, difficulty controlling worry, and physical symptoms associated with anxiety. Similar to the PHQ-9, each question on the GAD-7 is scored from 0 to 3, with higher scores indicating more severe anxiety symptoms. Learn more about the GAD-7 and PHQ-9 from NCBI.
It's important to note that while these screening tools can be helpful in identifying potential mental health concerns, they are not diagnostic tools on their own. A comprehensive evaluation by a qualified healthcare professional is necessary to make an accurate diagnosis and develop an appropriate treatment plan based on individual needs.
This screening is one of the most important features of the Calm Health app — it helps us learn more about you and allows us to tailor the experience to fit your needs.
Please take the time to complete the screening. We recommend retaking the screening every four weeks. This will help track your journey over time and allow Calm Health to continue recommending content that is relevant to your needs.
Your personalized plan consists of a collection of program recommendations for you based on your mental health screening results, goals, topics, or conditions.
CBT, ACT, and DBT are all therapeutic approaches that are commonly used in the field of mental health to treat various psychological conditions. Here's a brief explanation of each:
Each of these therapeutic approaches has its own unique focus and techniques, but they all aim to support individuals in improving their mental health and well-being. The choice of therapy may depend on the specific needs and preferences of the individual.
Policy/Group: 00000000
Email: support@calmhealth.com
Website: app.calmhealth.com
OneMain is pleased to enhance our Social/Family Wellness benefit offerings with Maven Maternity. Maven provides quick, safe pathways to bringing home a healthy baby.
This benefit is available at no cost to you; however, you must be enrolled in a UnitedHealthcare or the Surest Copay medical plan.
Combining an expansive, specialized telehealth network of more than 30 provider types with individual care navigation, Maven supports your path through maternity. Maven's compassionate Care Advocates help members navigate the complexities of your journey: from managing high-risk fertility and maternity patients to ensuring seamless integration with existing benefits, empowering members to advocate for themselves. Learn more at mavenclinic.com.
Your Maven membership is covered by your employer or health plan at no additional cost to you.
You can video chat and message with maternity specialists, mental health providers, OB-GYNs, nurse practitioners, midwives, doulas, prenatal nutritionists, physical therapists, developmental psychologists, pediatricians, lactation consultants, sleep coaches, parenting experts, and career coaches anytime.
You can continue to see your chosen providers but video chat with Maven providers for guidance and second opinions. Our providers include a range of specialists you might not have access to—from midwives and doulas to diabetes coaches and career coaches. Your Care Advocate can also help you find in-person providers within your health plan if you’d like.
Partners can sign up with their own account and benefit from the same specialist appointments, articles, videos and virtual classes. Those enrolled in Maternity or Fertility programs also receive content that’s specific to the partner experience.
Individual access to Maven outside of the United States varies per employer. If your employer offers Maven to its global employees, members outside of the United States will still have the same 24/7 access to providers and Care Advocates who can help members navigate their benefits, local healthcare system, and find in person providers.
Providers on Maven speak over 35 different languages, including Spanish, Mandarin, Japanese, Italian, French and many others. Furthermore, Maven offers simultaneous translation, in the rare cases we can’t match members with providers who speak their preferred language. Care Advocates can help you navigate to the best providers to fit your language and needs, and direct you to content in other languages.
OneMain is proud to provide support for you and your family members no matter the life stage. The new Family Support Program helps with child/teen behavioral health including depression, anxiety, substance use disorders, autism spectrum disorder, ADHD, trauma, eating disorders, psychosis and more.
View the Family Support Program FlyerWhether you're unsure if your child needs help or already have a diagnosis, connect with a licensed Behavioral Health Coordinator to find the support you need, when you need it for:
ID Watchdog monitors billions of data points in both public and private databases and alerts you of any new and updated information associated with your personal, identifiable and financial information. Identity Theft Protection provides security for Personally Identifiable Information (PII) by monitoring multiple data points and financial transactions across various online networks including the dark web and black-market websites. ID Watchdog’s Platinum Plus plan also includes access to online credit reports and credit scores, and security for mobile and desktop devices. The most notable enhancements are device protection and reduced contribution rates:
| Device Protection | Platinum Plan (2024) | Enhanced CDHP Value |
|---|---|---|
| Personal VPN & Safe Browsing | Not included | Included |
| Password Manager | Not included | Included |
| Device Protection (single/family) | Not included | 5/10 devices |
| Anti-Phishing / Anti-Malware | Not included | Included |
| Parental Controls / SafeCam | Not included | Included |
The Benefits Service Center is made available to you through the HRConnect Self-Service Portal, providing support from dedicated professionals committed to helping you understand the benefit options available to you. Whether you have concerns about a recent claim or bill, finding an in-network doctor or just some guidance on which medical plan is right for you and your family, connect with the Benefits Service Center.
Contact HRConnectThis Digital Benefits Guide is intended to highlight available benefits and should not be relied upon to fully determine coverage. They are not complete descriptions of the benefits. The company may terminate or modify any benefits described on this website, at any time, for any reason. The descriptions listed on this website are not guarantees of coverage. If there is any conflict between this website and the official plan documents, the official plan documents and contracts will prevail.
Summary of Benefits Coverage are available within this Digital Benefits Guide as well as on MainStreet under Total REWARDS and Workday under My Benefits.
