Benefits

AZLGEBT Benefit Offerings

Medical Benefits

The Trust offers two medical plans, each utilizing the Blue Cross Blue Shield of Arizona (BCBSAZ) provider network for services received within Arizona. AZLGEBT offers no coverage outside of Arizona, except for emergency care as required under Healthcare Reform (Obamacare). The two plan offerings are:

  1. A qualified High Deductible Health Plan (HDHP); and
  2. A Preferred Provider Organization (PPO) plan
    1. Both the HDHP and PPO incorporate a separate Mexico Network and limited Mexico benefit for Santa Cruz County participants only

As a compliment to these plans, AZLGEBT offers the following supplementary benefit services:

  1. For members electing the HDHP, a Health Savings Account (HSA) as well as a Limited Purpose Flexible Spending Account (FSA) [limited to Dental and Vision out of pocket expenses], each administered by Health Equity;
  2. For members electing the PPO, a full-purpose Flexible Spending Account (FSA), also administered by Health Equity; and
  3. For members on EITHER the HDHP or PPO, a Dependent Care FSA for use in paying qualified childcare and other expenses, also administered by Health Equity.

Please note that eligibility to participate in and annual dollar limits for HSA and FSA accounts, as well as the definition of qualified expenses and other limitations, are established and/or modified not less than annually by the Internal Revenue Service (IRS). Members should consult their tax advisor before enrolling in any such account.

Prescription Benefits

For both the HDHP and PPO are administered by AZLGEBT’s Prescription Benefit Manager (PBM), Navitus Health Solutions. Eligible medications and services are identical between the HDHP and PPO. However, member cost shares differ.

For more complete information on benefit terms, limitations, cost shares, eligibility and anything else, please contact Navitus as shown on the Vendor Partner page, or your employer’s Human Resources department.

Wellness

Both the HDHP and PPO incorporate a broad Wellness Program that provides members with opportunities to participate in onsite preventive screenings and services, engage in physical activity challenges, reduce risks for chronic conditions, and a means to manage chronic conditions. For more complete information on the Wellness Program, please visit the Wellness page.

Dental

As with Medical and Prescription Drug, AZLGEBT offers two Dental plans, using the Ameritas dental network in Arizona and across the United States. One plan is a traditional Preferred Provider Organization (PPO) plan design offering in and out-of-network benefits. The other is a “go to any dentist” plan design. Both plans offer benefits in Mexico as well, subject to plan limitations.

For more complete information on Dental benefit terms, limitations, cost shares, eligibility and anything else, please contact Ameritas as shown on the Vendor Partner page, or your employer’s Human Resources department.

Vision

For Vision, the Trust offers a single benefit plan design through Ameritas which contracts with the Vision Services Plan (VSP) network. Like dental, the VSP plan includes providers in Arizona and across the nation.

For more complete information on Vision benefit terms, limitations, cost shares, eligibility and anything else, please contact Ameritas as shown on the Vendor Partner page, or your employer’s Human Resources department.

Short Term Disability (STD)

As regards Short Term Disability (STD) benefits, AZLGEBT offers a self-funded plan design administered by AmeriBen, the Trust’s third-party administrator.

For more complete information on STD benefit terms, limitations, cost shares, eligibility and anything else, please contact AmeriBen as shown on the Vendor Partner page, or your employer’s Human Resources department.

Basic (Employer paid) Life and Accidental Death (Life and AD&D) Insurance

Basic Life and AD&D insurance for AZLGEBT is provided through Securian Financial. The amount of Life insurance provided varies by member employer. For more complete information on Basic Life insurance benefit terms, limitations, eligibility and anything else, please contact Securian Financial as shown on the Vendor Partner page, or your employer’s Human Resources department.

Voluntary (additional) Life Insurance (VTL)

In addition to the Basic Life and AD&D, AZLGEBT employers offer employees the opportunity to purchase additional Life insurance on themselves, their spouses and/or children. Eligibility for these purchases are subject to very specific terms and conditions. For more complete information on Voluntary Life Insurance, please contact Securian Financial as shown on the Vendor Partner page, or your employer’s Human Resources department.