Whether you are a new employee enrolling into your benefits for the first time, or considering your benefits during open enrollment, this guide is designed to help you through the process.
East Valley Institute of Technology is proud to offer you a broad range of benefit options. You can choose from a number of plans including medical, dental, vision, life insurance and voluntary supplemental programs. In addition, we provide health care and dependent care reimbursement accounts to assist employees in managing their out-of-pocket expenses with before-tax dollars.
Please take the time to read this information and ask questions so you can make the best benefits decisions for yourself and your family.
Phone number and website information is on page 16.
Enrollment Information
OPEN ENROLLMENT
Open Enrollment is from May 1st through May 9th. This is your one time per year to make changes.
The district will be holding an active enrollment this year which means you are required to submit your elections through the employee portal, Employee Navigator even if you are not making changes.
NEW EMPLOYEES
New Employees have 31 days from your hire date to complete enrollment in the group insurance program. If you have moved from a non-benefits-eligible status to a benefits eligible status, you will have 31 days from the new benefits eligible status date to complete your enrollment. All insurance coverage starts at the first of the month.
Remember, if elections are not made within the 31day initial period of eligibility, you will be required to wait until Annual Open Enrollment or until a Qualifying Life Event takes place.
Late Enrollees will be required to complete an evidence of insurability form for voluntary life insurance. You may be turned down for these benefits if you do not enroll within your first 31 days as a new hire.
PRE-TAX VS POST-TAX DEDUCTIONS
Pre-Tax Dollars: Your insurance premiums are paid with money deducted from your gross wages prior to any tax calculations. This reduces your tax liability and is a more efficient way to pay for premiums. Remember, you must choose pre-tax deductions for all your benefits to participate in a flexible spending account. You may elect to opt-out of this method of paying.
Post-Tax Dollars: Some insurance premiums may be paid after taxes are deducted from your gross pay. Please contact the benefits department for more information related to the specific premiums that are deducted post-tax.
How To Enroll
1. Click on the registration link within your Welcome email from Employee Navigator then create a username and password to login.
2. Click Begin Enrollment, then Get Started to begin your enrollment process.
3. Complete or update your Personal Information and click Save & Continue.
4. Add any dependents that will be covered under your insurance or listed as your district-paid life insurance beneficiary. Then click Save & Continue to move on to make your benefit elections.
5. Each section will show you the plans that are available to you with the cost to cover you and your dependents. Simply click “Select” for the benefit you want to elect and indicate who will be covered on the plan.
6. After you have made your selections, you will be given a chance to review them again and be advised of the total cost as well as any sections you may have missed. Once reviewed, hit “Click to Sign” to finalize your enrollment. Once confirmed, you will see a confirmation page where you can download a summary of your enrollment to be saved or printed.
Qualifying Life Event
The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (July 1, 2025 – June 30, 2026).
During that time, if your life or family status changes as per the recognized events listed below, you are permitted to revise your benefits coverage to accommodate your new status. You may make benefits changes by contacting the Benefits Department and providing the proper documentation.
IRS regulatins govern which circumstances allow you to make changes to your benefits, which benefits you can change and what kinds of changes are permitted.
• All changes must be consistent with the qualifying life event.
• In most cases, you cannot change your benefit plan, but may modify the level of your coverage (in other words, you can add or delete dependents, enroll or dis-enroll yourself or dependents, but not switch insurance carriers or plans).
Any changes in benefit levels must be completed within 31 days of the qualifying life event.
QUALIFYING LIFE EVENTS LIST
Marital Status Changes Covered Dependent Changes
• Marriage
• Death of spouse
• Divorce
• Spouse gains or loses coverage from another source
Spouse employer’s
Open Enrollment
• Birth or adoption of a child
• Death of dependent child
• Dependent becomes ineligible for coverage
COBRA
In most cases, if your employment ends, benefits will terminate on the last day of the month in which you stopped working. Benefits will end on the day of termination in cases of employee fraud.
Through federal legislation known as the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), you may choose to continue coverage by paying the full monthly premium cost plus an administrative charge of 2% (if applicable).
Each individual who is covered by a East Valley Institute of Technology benefit plan immediately preceding the employee’s COBRA event has the right to continue his or her medical, dental, vision, or Flexible Spending Accounts (FSA) plan.
The right to continuation of coverage ends at the earliest of the date:
• you, your spouse or dependents become covered under another group health plan; or,
• you become entitled to Medicare; or,
• you fail to pay the cost of coverage; or
• your COBRA Continuation Period expires.
Medical Plan Information
The Trust that will provide medical insurance to East Valley Institute of Technology.
The network East Valley Institute of Technology will use for hospitals and physicians.
The company that will process East Valley Institute of Technology’s medical claims.
SUMMARY
Medical benefits provide you and your family access to quality health care. East Valley Institute of Technology offers four medical plans with different coverage levels from which to choose. All plans are provided through Arizona School Boards Association Insurance Trust (ASBAIT). ASBAIT contracts with Aetna to use their Choice POS II and Banner networks, with claims processing and customer service being provided by Meritain Health Company.
To contact
Medical Plans
Hospital Services
Inpatient
$230 + Deductible, then 20%
then 20%
Deductible, then 20%
Urgent Care
Routine Services
Copay, then 20%
then 20%
then 20%
+ Deductible, then 20% Deductible, then $75 Copay
Office Visit Deductible, then $20 Copay Deductible, then $25 Copay
Specialist Visit Deductible, then $60 Copay Deductible, then $65 Copay
& X-Ray Fee Deductible, then 20%
Chiropractic Deductible, then $60 Copay
then 20%
then 15%
then 20%
then $65 Copay
Rehabilitation Deductible, then 20% Deductible, then 20%
Drugs
Tier
The Aetna CPII network is the broard network available to you but you will pay less out of pocket when you use a Banner physician or facility. For a list of benefits under the Aetna network, please refer to your medical plan SBC in Employee Navigator.
you have Family coverage under the HDHP 2600 (A), the Family Deductible must be satisfied before the plan will pay any benefits.
Telehealth
Teladoc-24/7/365 on-demand access to affordable, quality healthcare. Anytime, Anywhere.
Regardless of the plan you choose you should never be without Teladoc, the only 24/7 telehealth and wellness service designed for the modern family. Whenever you have an issue, simply connect with Teladoc board-certified doctors, available by phone, video or chat. They are specially trained to diagnose, treat and prescribe medications for a wide variety of common medical conditions, helping you avoid the costly and time-consuming trips to the doctor or urgent care centers.
Talk to a real doctor, 24/7. No need to schedule an appointment or limit your visits.
• Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER.
What can be treated?
• Acne
• Allergies
• Asthma
• Bronchitis
• Cold & Flu
• Constipation
• Diarrhea
• Ear Infection
• Fever
• Headache
• Insect Bite
• Joint Aches
• Nausea
• Rashes
• Sinus Infection
• Sore Throat
• UTI
• And more!
When should I use Teladoc?
• Instead of going to the ER or an urgent care center for a non-emergency issue
• During or after normal business hours, nights, weekends and holidays
• If your primary care physician is not available
• To request prescriptions (when appropriate)
• If traveling and in need of medical care
Are my children eligible?
• Yes! Teladoc has pediatricians on call 24/7
How much does it cost?
• If you are on either the Classic Gold or Classic Silver plan, there is a $10 consultation fee to use services. If you enroll in the HDHP option, you will have a $57 consultation fee.
Health Savings Account (HSA)
If you choose to enroll in the High Deductible Health Plan (HDHP), you will have the option of opening an HSA provided by HealthEquity. An HSA is a tax advantaged savings and spending account that can be used to pay for qualified health care expenses.
THERE ARE TWO COMPONENTS TO AN HSA-BASED COVERAGE PLAN:
1. A qualified health plan is the insurance component that provides medical coverage to you and your family.
2. An HSA with HealthEquity which can be funded by pre-tax payroll contributions from you, the District, or both.
HOW AN HSA WORKS:
EVIT will contribute $2,600 annually to your Health Savings Account if you enroll in the HDHP.
Questions? Visit www.healthequity.com or contact HealthEquity at 866.346.5800.
1. Enroll in the HDHP 2600A plan offered by the District
2. Contribute to your HSA by payroll deductions on a pre-tax basis:
• Up to $4,300 for single coverage
• Up to $8,550 if you enroll a dependent
• An additional $1,000 if you are age 55 or older
The money contributed to the account is yours to keep and will roll over year after year –no ‘use it or lose it’ rule!
3. With your HSA debit card, use your HSA funds to pay for qualified expenses such as:
• copays
• deductibles
• chiropractor
• dental treatment
HSA ELIGIBILITY
• hearing aids
• glasses/ contacts
• prescriptions
• over the counter drugs and medications
To make tax-free contributions to an HSA, the IRS requires that:
• You are covered by an H.S.A qualified plan (such as the HDHP 2600A plan).
• You are not enrolled in any other plan that is not considered a High Deductible Health Plan.
• You are not enrolled in Medicare, medical FSA or have other military health benefits.
Health Reimbursement Arrangement (HRA)
For employees enrolled in the Classic Silver plan, the district is pleased to offer a Health Reimbursement Arrangement (HRA) to help cover out of pocket costs for healthcare. The district funds $962 annually into the HRA which can be used by enrolled employees to pay for copays, deductibles and prescriptions.
Hinge Health
When you enroll in an ASBAIT medical plan, you have access to Hinge Health which provides PT & Coach-led, digital program for chronic back, knee, hip, shoulder and neck pain. Once approved, you will have access to exercise therapy, behavioral support with 1:1 health coaching and physical therapy, and personalized curriculum.
Employees are required to complete a health questionnaire with Hinge in order to be approved as Hinge is not a good fit for all chronic pain conditions. In order to complete the questionnaire go to:
or call
skinIO
SkinIO is available to all employees enrolled in one of the ASBAIT medical plans. It is the easiest way to get your annual skin screening – you can do it from home in just 15 minutes!
It’s simple to use- download the skinIO app, upload photos or your skin and a board-certified dermatologist will review your images. The dermatologist will determine if there are any spots to be concerned about and will give you information on how to find a local dermatologist within the ASBAIT network.
What’s the cost?
There is no copay or out of pocket cost for the treatment— the cost of Virta is fully covered for those who qualify!
Virta Join the movement to reverse type 2 diabetes
Learn more at VirtaHealth.com/Join/BannerAetna
Virta, offered by Banner|Aetna, uses the researchbacked combination of nutritional ketosis, medical supervision, and one-on-one health coaching. You also get all the supplies you need for biomarker tracking, access to a private patient community, and curated recipes, food guides, and meal plans!
BannerAetna.com
OUR PROGRAM CAN HELP YOU:
✓ Lower blood sugar
Banner|Aetna is the brand name used for products and services provided by Banner Health and Aetna Health Insurance Company and Banner Health and Aetna Health Plan Inc. Providers are independent contractors and are not agents of Banner|Aetna. Provider participation may change without notice. Refer to BannerAetna.com for more information about Banner|Aetna® plans. Health benefits and health insurance plans are offered and/or underwritten by Banner Health and Aetna Health Insurance Company and/or Banner Health and Aetna Health Plan Inc. (Banner|Aetna). Each insurer has sole financial responsibility for its own products. Banner Health and Aetna Health Insurance Company and Banner Health and Aetna Health Plan Inc. are affiliates of Banner Health and of Aetna Life Insurance Company and its affiliates (Aetna). Aetna and Banner Health provide certain management services to Banner|Aetna.
Virta is available to Banner|Aetna members and their adult dependents between the ages of 18 and 79 enrolled in an eligible health plan. This benefit is currently being offered to those with type 2 diabetes.
WHAT’S THE COST?
There is no copay or out of pocket cost for the treatment — the cost of Virta is fully covered for those who qualify!
Learn more at VirtaHealth.com/Join/BannerAetna
Banner|Aetna is the brand name used for products and services provided by Banner Health and Aetna Health Insurance Company and Banner Health and Aetna Health Plan Inc. Providers are independent contractors and are not agents of Banner|Aetna. Provider participation may change without notice. Refer to BannerAetna.com for more information about Banner|Aetna® plans. Health benefits and health insurance plans are offered and/or underwritten by Banner Health and Aetna Health Insurance Company and/or Banner Health and Aetna Health Plan Inc. (Banner|Aetna).
Each insurer has sole financial responsibility for its own products. Banner Health and Aetna Health Insurance Company and Banner Health and Aetna Health Plan Inc. are affiliates of Banner Health and of Aetna Life Insurance Company and its affiliates (Aetna). Aetna and Banner Health provide certain management services to Banner|Aetna.
The dental plan includes preventive services and office visits.
Vision Plan
ASBAIT VISION (VSP CHOICE NETWORK)
Copay
Frequency Every 12 Months
Lenses
Single/Bifocal/Trifocal/ Lenticular Covered 100% after $25 copay
Frequency Every 12 Months
Frames Up to $200 Allowance, after $15 copay
Frequency Every 12 Months
Contact Lenses $160 Allowance (in lieu of frame and spectacle lenses) Every 12 Months
Lasik Surgery 15% Discount
Disability Information
Disability coverage can be one of the most important benefits you have. It provides you and your family with financial protection if you are ever unable to work due to an illness or non-work related injury.
LONG TERM DISABILITY
All employees who work 20 or more hours per week for 20 weeks per year will pay premiums through mandatory contributions to Arizona State Retirement System (ASRS) for Long Term Disability (LTD).
Elimination period: 180 Days
Benefit Amount: 66 2/3% of monthly base salary as determined by ASRS
Voluntary Short Term Disability
East Valley Institute of Technology offers voluntary short term disability coverage through UNUM.
• Elimination Period: benefits begin on the 15th day of disability
• Benefit Amount: 66.67% of pre-disability earnings up to $1,500 per week
• Beneift Duration: 25 weeks
Life / AD&D Insurance
BASIC LIFE INSURANCE AND AD&D
East Valley Institute of Technology pays 100% of the cost of the UNUM Group Term Life Insurance Plan.
Coverage for each benefit eligible employee is $50,000.
Life insurance provides protection for those who depend on you financially. Your need varies greatly due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident.
VOLUNTARY LIFE / AD&D INSURANCE
You can also elect to purchase additional life insurance for yourself, your spouse or your children.
• Employee
$10,000 increments to a maximum of $500,000, up to 5x your annual earnings.
• Spouse
$10,000 benefit increments to a maximum of $250,000, up to matching employee benefit.
• Children
$2,000 benefit increments to a maximum of $10,000.
Note: If you are electing an amount above the Guaranteed Issue amount of $150,000 (employee) or $30,000 (spouse/ partner), you MUST complete an Evidence of Insurability (EOI) when submitting your completed enrollment.
Employees enrolling AFTER initial eligibility at time of hire (Late Entrants) OR employees requesting to increase coverage: ANY amount of coverage elected requires Evidence of Insurability (EOI). You MUST complete an EOI when submitting your completed enrollment.
Completed EOI forms can be returned to the HR Department.
Voluntary Benefits
UNUM is pleased to offer East Valley Institute of Technology employees and qualified dependents the opportunity to elect coverage under several UNUM policies. A few things to remember about these policies:
• An UNUM policy is separate from the other policies listed in this book. UNUM does not replace your medical insurance or short-term disability coverage.
• UNUM pays you directly, no matter what other insurance you may have.
ACCIDENT COVERAGE
This plan pays cash benefits in the event of an accidental injury that needs emergency treatment.
CRITICAL ILLNESS
These plans pay cash benefits for an individual diagnosed with a number of critical illnesses.
HOSPITAL INDEMNITY
These plans pay a cash benefit for an individual for a hospitalization.
IDENTITY THEFT RESOLUTION
These plans help recover lost assets as a result of an identity theft.
PET CARE
This plan helps cover or discount veterinary charges for your pets.
LEGAL PLAN
This plan provides access to a national network of attorneys to help navigate important life events.
Employee Assistance Program
Alliance Work Partners - An EAP provides valuable services at no cost to employees and their families in the form of short-term counseling, legal and financial consultations through LawAccess, and worklife resources and referral through Work/Life Standard.
Seven days a week, 24 hours a day, using one tollfree phone number (800-343-3822), you can speak with registered nurses and master’s-level counselors who can help with almost any problem ranging from medical and family matters to personal legal, financial and emotional needs.
If face-to-face resources are appropriate for your situation, a representative can refer you to a local professional in the Aetna Choice POS II or Banner | Aetna network. If appropriate, the program also provides access to a wide range of national and community resources.
An EAP Teen Line 800-334-TEEN (8336) specializing in teen issues is an additional resource available as well as a 24-Hour Nurseline at 888-771-9116 for all medical questions and health issues.
TO CREATE A PERSONAL ACCOUNT:
Go to www.awpnow.com:
• Select “Access Your Benefits” Registration Code: AWP-ASBAIT-2811
• You will be prompted to create a unique username and password.
Use this worksheet to provide a general estimate of your benefits costs for the upcoming plan year. This is a great place to start planning for your, and your family’s, health and wellness for next year.
Life Insurance and Voluntary Short Term Disability
800.275.8686
www.unum.com
Teladoc
800.362.2667
teladoc.com
Health Equity
Health Savings Account (HSA
Health Reimbursement Arrangement (HRA)
866.346.5800
www.healthequity.com
EVIT Benefits Department
Deena Serna
Benefits Coordinator
480.461.4160 dserna@evit.edu
ABOUT THIS BOOKLET
This booklet highlights important features of East Valley Institute of Technology’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Capital Financial
14614 N. Kierland Blvd., Suite N220, Scottsdale, AZ 85254
