You must Enroll for Coverage in 2026!
Your benefits package is a valuable part of your compensation. It’s designed to bring real value to you and your family, supporting your health, financial security, and overall wellbeing.
Your window to enroll in our benefit plans for 2026 is November 3 – 17. Annual Enrollment is your only opportunity to make elections for coverage in 2026 and the elections you make will remain in effect from January 1 – December 31, 2026 (unless you experience a qualified change in status, such as marriage, birth or adoption of a child, etc.)
Do I Need to Enroll?
Yes. This year we are requiring an “Active Enrollment”, which means all employee must actively enroll in Paycom to have coverage for specific plans in 2026.
- If you do access Paycom and enroll, you will not have coverage for medical, dental, or vision plans nor have any contributions towards your flexible spending and/or health saving accounts.
- If you are currently enrolled in any other voluntary plans such as; life insurance, short-term or long-term disability, legal, or identity theft plans, those will rollover based your current elections in the Paycom system.
What Are My Plan Choices?
All our employee benefit plan options are outlined in our 2026 Benefits Guide and our 2026 Benefit Plan summary which are attached below.
How do I Enroll?
You can complete your enrollment online through your company’s benefits enrollment system, Paycom. Log into the Paycom App or website:
- Select Benefits Enrollment and select “start” to begin your 2026 enrollment
- Verify Personal information and Dependents/Beneficiary information.
- Click “Next” to see the plans you can elect
- Click “View Details” to review in-depth details of a benefit plan
- Select arrow under “Dependents to Cover on Plan” to select the dependents you want for each plan.
- Once you are satisfied with your selections, draw or type your signature and click “Finalize.” If you do not select finalize, you will not have coverage in 2026.
- After finalizing your selection, you will be directed to the completion page. From this page you can choose to return to review or exit.
How do I know which plans to choose from?
Oceans Healthcare is providing a confidential, private decision online support tool, called Upwise, for employees to use to help determine which benefit plans are best for themselves and their families.
To access Upwise:
- Access Upwise, Sign In & Enter your work email from Paycom and click Next.
- You will receive an email with link to create password. You can click “Forgot Password” to create a new password.
- You can Upwise as many times as you need to make your 2026 benefit decisions.
Actions You Must Take During Annual Enrollment
- Elect medical, dental, or vision plan coverage for 2026
- Add or drop a dependent
- Elect to contribute to a flexible spending account or health savings account
- Review your life, disability and other plan coverages that rollover
Making Changes After Annual Enrollment
After Annual Enrollment ends on November 17, 2026, you can not change your benefit elections and will have to wait until the next Annual Enrollment, unless you experience a Qualified Life Event by IRS regulations.
Need Help or Have Questions
If you need help please contact the Benefits Advisory Center at 833-981-0117 or OceansHealthcarebenefits@bac.lockton.com
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