Welcome to the Local 440 Employee Website
Enrollment is coming soon.
April 1-21, 2026
NEW! Supplemental Benefits offered through Colonial Life.
Click red button below for more information.
Things to make note of for 2026-27 plan year
Choice Plan deductible will increase to $1,700 for a self-only plan and $3,400 for a family plan.
Medical premiums will not change for the 2026 plan year.
Vision premiums will not change for the 2026 plan year.
As a new Local 440 member
Medical:
Dental / Vision:
Be sure to complete any current treatment before joining your new plan. Review continuing care policies with MetLife before your plan changes here
You will not be receiving a dental or vision card
Pharmacy:
Fill your medications two weeks prior to your current insurance cancellation
Use Kroger Pharmacy to reduce your headaches and the Trust's cost
Call Matt Otey (Healthcare Trustee) 817-919-6994 if you have issues with your prescriptions
You will NOT get a separate Pharmacy card
If you ARE currently take a high cost or specialty drug - contact Matt Otey 817-919-6994
Contact Matt Otey for any new qualifying life events (QLES) - motey@iaff440.org
“My doctor says I don’t have coverage!”
Call NARUS concierge at 615-559-0418 to work through this issue. This helps our plan to properly communicate coverage to providers and report any issues taking place.
Questions?
Call Narus Customer Concierge:
615-559-0418
Monday–Friday from 7 a.m. to 7 p.m. CT to talk with a care team member
www.lucenthealth.com/cypress
Overview of Benefit Carriers
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Medical Administrator
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Voluntary Vision / Dental
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Pharmacy
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HSA / FSA
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Cost Saving Benefits
Claims Advocate
If you have questions regarding your medical plan or claims, please call NARUS Concierge: 817-721-4425
Unaddressed questions can be directed to Kris from LBG Advisors at 206-817-4219 (8:30-5pm, PST) | kris@lbgadvisors.com