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 dual benefit plan design through Ameritas which contracts with the Eye Med and Vision Services Plan (VSP) networks. Like dental, the EyeMed and 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.

Voluntary Benefits

Aetna Accident Plan

Accidents happen when you least expect them. But an Aetna Accident plan can help you be more financially prepared when they do. The plan pays you cash benefits when you or a covered family member are faced with a covered accidental injury that happens off the job.

Unlike regular medical insurance, which pays your provider, an Aetna Accident plan pays you cash directly for things like medical treatment, deductibles…even rent or mortgage! The money is yours to spend however you need it most.

Aetna Critical Illness Plan

Nobody is ready to receive a diagnosis of a serious illness. But an Aetna Critical Illness Plan pays benefits when you are diagnosed with a covered illness or condition, after your coverage effective date. This can help you feel a little more financially prepared to focus on the road to recovery.

The plan pays for diagnosis such as cancer, stroke, major organ failure, and more. Check out the benefit plan summary for a full list of covered diagnoses and complete plan details.

Aetna Hospital Indemnity plan

Whether you’re planning a hospital stay, or one comes up unexpectedly, the costs can really add up fast. The Aetna Hospital Indemnity Plan pays cash benefits when you have a hospitalization due to an illness, injury, surgery, or even delivering a baby.

The plan pays benefits for an inpatient hospital admission, plus extra for each day you’re in the hospital.

Health Screening Benefit

All plans includes a $50 health screening benefit, when a covered member completes a qualifying health screening. This annual benefit is available once per plan year to each enrolled member on each of the plans.