Health & Welfare Benefits Center
Chuze is committed to supporting the whole you.
Chuze is committed to supporting the whole you, at work and beyond. Our Health and Welfare benefits give full-time Chuzers access to comprehensive and affordable coverage.
From medical, dental, and vision plans to employer-paid life insurance, optional supplemental coverage, and short-term disability, our benefits are built to help you and your family feel supported year-round. You can also take advantage of additional plans that help reduce out-of-pocket costs and give you more flexibility in managing your well-being.
Ready to see everything available to you?
Explore the full Chuze Benefits Guide below.
BENEFITS GUIDE
Click below for cost, how to find a doctor, and full plan details!
Benefits Eligibility
An employee who is classified as Full-Time is considered to be a benefit eligible employee and able to participate in the company sponsored health and welfare plans. An employee who is classified as Part-Time is considered to be a non-benefit eligible employee and unable to participate in the company sponsored health and welfare plans, but may still be eligible for medical coverage if their stability period, as defined by the Affordable Care Act, is Full-Time. For more information, please refer to appendix B in the plan document.
Coverage Start
Insurance plans selected during your New Hire or Status Change enrollment window:
Medical, Dental, Vision, Accident, and Hospital plans:
• Must be elected within 15 days of your hire date or status change
• Coverage becomes effective 31 days from the hire/status change date
Life, AD&D, STD, and LTD plans:
• Must be elected within 15 days of your hire date or status change
• Coverage becomes effective the first of the month following 30 days from the hire/status change date
Beginning with the 2026 plan year, selections made during Open Enrollment will be effective on January 1st.
Coverage effective dates for mid-year entries due to Qualifying Events vary.
Selections and Changes
Eligible employees can make benefits election and changes only during the following: Within 15 days of your hire date as a full-time employee, Within 15 days of your status change to full-time, During the annual Open Enrollment period, or Within 30 days of a qualifying life or family status event (applies only to certain changes)
Eligible Dependents
Employees can enroll the following eligible dependents: Spouse Registered Domestic Partner* Children up to age 26. Children include: Biological and adopted children (including those placed in your home for adoption) Stepchildren and domestic partner children Children for whom you are responsible to provide health coverage under a qualified medical child support order Chuze performs periodic reviews to verify family members’ eligibility for enrollment in the benefit plans. Chuze and the insurance carriers reserve the right to request documentation to verify eligibility. Note: Under the Internal Revenue Code, if your Domestic Partner does not qualify as your tax dependent, the fair market value of your Domestic Partner’s health coverage, minus any post-tax contributions made by you, will be included in your gross income and subject to federal tax including Social Security and federal income tax withholdings, as well as being reported as taxable earnings on your W-2 Form. State tax treatment of Domestic Partner benefits varies by state. Your gross income for state tax purposes will be adjusted accordingly based on the state in which you reside. See the company policy on Domestic Partnership coverage below:
BASIC LIFE INSURANCE PAID BY CHUZE 100%
Chuze Fitness provides basic Life Insurance of 1x salary up to a maximum of $200,000 with a minimum of $50,000 to all eligible Full-Time employees, at no cost to you. You may purchase Life and AD&D in addition to the company-provided coverage. Note: Benefit amounts over $50,000 are subject to imputed income and may be taxable. *if you do not wish to get free life insurance and have imputed income please decline during your enrollment*
A Qualified Life Event (QLE) is a significant life change that impacts your health insurance options or requirements. According to the IRS, a QLE must either:
- Affect your insurance needs, or
- Change the health plans you qualify for.
When a QLE occurs, it triggers a special enrollment period, allowing you to add, change, or drop coverage outside of the standard open enrollment period.
If you believe you have experienced a QLE but aren’t sure how to proceed, please contact TotalRewards@ChuzeFitness.com, and we’ll guide you through the next steps.
Category | Examples of Qualifying Life Events |
Loss of health-care coverage |
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Changes in household |
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Other qualifying events |
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Qualifying Life Events are evaluated on a case-by-case basis and require documentation related to the QLE
Per the IRS (Section 125 regulations), employees may not alter their plan selections mid-year without a valid Qualifying Life Event (QLE). This is not a Chuze policy, this is an IRS regulation that we must follow.
- Log in to UKG
- Click on Myself > Benefits > Update My Benefits
- Select the applicable Life Event
- Enter the event date (the date the qualified life event occurred)
- Review, Add, or Update your Dependents
- Make your selections
- Review your cart and Check out
Once you check out, UKG will open a document request for you to upload the required proof of your Qualified Life Event (QLE). All QLEs must be submitted with supporting documentation within 30 days of the event. You may upload the required documents through UKG or email them to TotalRewards@ChuzeFitness.com.
Next Steps:
- The Total Rewards Team will review your elections and documentation.
- If your QLE is approved, you will receive a benefits confirmation email from UKG.
- If your QLE is rejected or requires additional information, you will receive an email with further instructions.
- Log in to UKG
- Click on Myself > Benefits > Manage My Benefits
- Click Profile on the side menu, then select My Family or My Beneficiaries to add or update existing dependents
Adding dependents and beneficiaries does not automatically add them to benefit plans. If you need to add dependents to your plan, please see “Add insurance coverage after a valid Qualifying Life Event (QLE) occurs”
Anthem (Medical, Dental, & Vision)
FAQ's
You can search for in-network providers through Anthem’s online portal:
Steps to Search as a Guest:
- Select “Basic search as a guest.”
- Choose your plan type: Medical, Dental, or Vision.
- Select California as the state.
- (This applies to all employees, regardless of where you live, since plans are offered through Chuze Fitness in California.)
- Under “How you get insurance,” select Employer-Sponsored.
- Choose your specific plan:
- For Medical PPO or HDHP Plans choose “Prudent Buyer PPO”
- For Medical HMO choose “Select HMO”
- For Dental PPO choose “Dental Complete”
- For Dental HMO choose “Dental Net HMO”
- For Vision (both options) choose “Blue View Vision”
- Click Continue, then choose your Primary Care option.
- Use your location or enter a ZIP code to view nearby in-network providers.
The search feature will then allow you to turn on your location services and search via a desired zip code to find doctors close to you within your network.
For visual step-by-step guidance, view:
Member Service phone numbers for the Anthem plans
- Medical:
- HMO CA ONLY – (833) 913-2236
- HDHP 3300 & PPO 1000 – (800) 888-8288
- Dental:
- HMO CA ONLY – (800) 627-0004
- PPO – (844) 729 – 1565
- Vison:
- Vision & Exam Only – (866) 293- 7373
A Health Savings Account (HSA) is a personal, tax-free savings account for medical expenses if you’re enrolled in our High-Deductible Health Plan (HDHP). It’s ideal for long-term savings because any unused money rolls over and the account stays with you even if you leave Chuze.
Eligibility
- You must be enrolled in the High-Deductible Health Plan (HDHP).
Contribution limits
- Up to $4,400 for individual coverage
- Up to $8,750 for family coverage
How contributions work
- Choose your contribution amount and fund your HSA through payroll deductions.
- You can also make your own contributions directly to your HSA outside of payroll. Email TotalRewards@chuzefitness.com for guidance.
HSA perks
- Earn Chuze HSA contributions by completing wellness challenges — up to $500 annually with employee-only coverage or $1,000 with dependent coverage.
- Spend using your HSA debit card or submit for reimbursement.
* Eligible expenses include out-of-pocket medical costs, prescription medications, dental care, vision care, and other IRS-approved medical services and supplies. - Funds roll over every year — no deadlines.
- You own the account, even if you leave Chuze.
Tools
WEX Account Login — View your balance, manage reimbursements, and adjust contributions.
HSA Store — Shop HSA-eligible products that are IRS-approved.
Important Note
Employees cannot participate in both an HSA and an FSA at the same time.
A Flexible Spending Account (FSA) lets you set aside pre-tax dollars to pay for eligible out-of-pocket healthcare expenses during the plan year. You get full access to your elected annual amount on the first day of the plan year, making it a great option for predictable medical costs.
Eligibility
- Available to employees enrolled in the Medical PPO or HMO (CA only).
Contribution limits
- Contribute up to $3,400 for the plan year.
How contributions work
- Contributions are deducted from your paycheck before taxes.
- You receive full access to your total elected amount on day one of the plan year.
- Spend using your FSA debit card or by submitting receipts for reimbursement.
* eligible expenses include copays, prescriptions, over-the-counter items, dental care, vision care, and other IRS-approved medical services and supplies.
FSA rules
- This is a use-it-or-lose-it account.
- Up to $680 may carry over to the next plan year (IRS maximum).
- If you leave the company, unused funds are forfeited.
Tools
WEX Account Login — View your balance, upload receipts, and manage reimbursements.
FSA Store — Shop FSA-eligible products that are IRS-approved.
Important Note
Employees cannot participate in both an HSA and an FSA at the same time.
To file a claim under your voluntary benefits, you will need to complete a claim form and provide supporting documentation. Claims are reviewed by the insurance carrier, and once approved, benefits are paid directly to you (not to your doctor or hospital).
General Information:
Claims may be filed for covered services or events such as an accident, hospitalization, or diagnosis of a critical illness.
Use the links below to access the claim forms and step-by-step instructions for each plan:
What Medical Plan Should I Choose?
A High Deductible Health Plan (HDHP) features lower monthly premiums but requires you to pay more up front when you get care. It’s designed to keep premiums affordable for people who are prepared to pay more out of pocket if they need unexpected or major care.
This plan covers preventive care at no cost when you use in-network providers. For most other care, you pay the full negotiated price until you meet the $3,300 deductible.
Beginning January 1, 2026, the individual deductible will increase to $3,400 in alignment with updated IRS limits for HSA-eligible plans.
This plan is HSA-eligible.
This plan might be right for you if:
- You’re generally healthy
- You rarely visit the doctor
- You want to pay less each month
- You’re comfortable paying more out-of-pocket if you need care
Tools:
GoodRx offers coupons and discounts on medications, often cheaper than your insurance copay—especially useful when you’re paying full price under an HDHP. Compare GoodRx price to the pharmacy’s insurance quote.
GoodRx.Anthem’s “Find Care & Estimate Costs” tool helps you find nearby in-network providers and shows estimated prices for procedures based on your plan and location.
This tool is available AFTER you enrolled and have active medical coverage with Anthem.- Go to anthem.com/ca
- Log in to your member account
- Hover over the “Care” tab at the top
- Select “Find Care”
- In the search bar, type in the procedure (example: “knee MRI”)
- Scroll down and click on the correct procedure name
- You’ll see:
- In-network providers who offer the service
- Estimated costs based on your plan and benefits
Preferred Provider Organization (PPO)
The PPO plan has higher monthly premiums but lower deductibles. It offers the most flexibility, allowing you to see any provider without referrals.
This plan is FSA-eligible.
This plan might be right for you if:
- You want predictable costs with lower deductibles
- You have an ongoing or chronic medical condition
- You visit doctors or specialists regularly
- You want freedom to see any provider, without needing referrals
Health Maintenance Organization (HMO) (Available only in California)
The HMO has no deductible and offers predictable costs with fixed copays. You must choose a Primary Care Provider (PCP) who manages your care and provides referrals to specialists. Care must be in-network (except in emergencies).
This plan is FSA-eligible.
This plan might be right for you if:
- You want consistent, predictable healthcare costs
- You’re okay using only in-network doctors
- You like having a PCP coordinate your care
- You want lower copays and a capped annual out-of-pocket maximum
September 1, 2025 - December 31, 2026 Health and Welfare Policy Documents
Medical:
Dental:
Vision:
Supplemental Documents:
- Accident Summary Benefit Coverage (SBC)
- Critical Illness Summary Benefit Coverage (SBC)
- Hospital Summary Benefit Coverage (SBC)
- Life and AD&D Summary Benefit Coverage (SBC)
- Life and AD&D Summary Benefit Coverage (SBC) Employer Paid
- STD Summary Benefit Coverage (SBC) CA
- STD Summary Benefit Coverage (SBC) Non-CA
- STD Summary Benefit Coverage (SBC) CA Executive Only
- STD Summary Benefit Coverage (SBC) Non-CA Executive Only