Welcome to 2026 Open Enrollment!
11/10 - 11/21
Starting 1/1, your medical plans are moving to Cigna!
For the new plan year, you must re-enroll in your Medical coverage and re-elect your FSA and HSA contributions during Open Enrollment.
If you do not take action, you will not have Medical coverage in 2026, and your FSA and HSA contributions will reset to $0.
All of your other benefits will automatically roll over into the new plan year if you don’t make changes.
Want to make a change? You can update your benefits during Open Enrollment. After the Open Enrollment period ends, changes can only be made if you experience a qualified life event. Your benefit elections will be effective from 01/01/2026 – 12/31/2026.
Be sure to enroll between November 10 and November 21!
Take a look at what's changing.
Medical is now with Cigna!
Effective January 1, 2026, our medical coverage will be through Cigna.
This change brings access to Cigna’s broad nationwide network of doctors, hospitals, and care facilities.
You will receive a new ID card in the mail. Use your new ID card for all medical & pharmacy services starting 1/1/26 Old cards will expire on 12/31/25
Access your new ID Card on the myCIgna® app or myCigna.com
What to Do Now:
✓ Confirm your contact info & dependents during Open Enrollment
✓ Make sure your providers are in-network
✓ Update your doctor’s office & pharmacy with your new ID number once received
Pet Insurance Enhancement
At the start of our new benefit year, new and renewing UPC members will get access to a $500, 0% interest Fido Vet Spending Card by medZERO!*
How does the Fido Vet Spending Card work?
✓ Once you enroll in UPC or renew your membership and our new benefit year ✓ starts, you’ll get instructions on how to access Fido:·
✓ $500 to cover veterinary expenses*·
✓ 0% interest with repayment over up to 12 months and no fees*·
✓ No credit check*·
✓ Can be used at any vet in the U.S., including those outside UPC's network*
