Site Map
Introduction
How To Use This Plan Summary
A Look Inside a Chapt
Introduction
Benefits Just for You
A Valuable Selection
Cost-sharing
Additional Resources
Eligibility
Who
Is Eligible for the Vought
Benefits Program?
Who Is
an Eligible Dependent?
Full-Time
Student Status
Working Spouses
Eligibility
in Special Situations
Enrolling in Your Optional
Benefits
A Look at Your
Vought Benefits
When You Can
Enroll
Selecting
Your Coverage Category
Benefit Dollars
and Your Cost For Coverage
Before-tax
Vs. After-tax: What Is the Difference?
Frequently Asked Questions
Medical
Highlights
Your Options
Coverage Categories
Changing Your
Coverage
In Brief
Your Options
Comprehensive PPO,
Standard PPO And Safety Net PPO Options
Point-of-Service (POS)
Option
Choose the
Correct Provider Network
Health Maintenance
Organization (HMO) Options
Binding Arbitration
for HMOs
Opting Out of Medical
Coverage
In Detail
In- or out-of-network
- the Choice Is Yours
In-network Saves
You Money!
Access to in-network
Benefits
Out-of-Network
Benefits
Benefit Plan Year
Deductible
What Is a Copayment?
What Is Coinsurance?
What Is an Out-of-Pocket
Maximum?
What Is the Lifetime
Maximum?
Usual, Reasonable and
Customary
Medically Necessary
Emergency Care
Emergency Care
While Traveling Outside Your Network Area
Ambulance Service
Urgent Care
Mandatory Precertification
Eligible Medical
Expenses
Ineligible Medical
Expenses
Vision and Hearing
Care
Vision Care
Hearing Care
Blue Cross Blue Shield Claims
Administration
- Medical
Claims
- Vision
and Hearing Care Claims
- Filing
Your Claims
Prescription Drugs
Mental Health and Substance
Abuse Treatment
General
When Coverage Ends
Obtaining New Medical
Coverage (HIPAA)
Third-Party Reimbursement
(Right of Subrogation)
Non-Duplication
of Benefits
Coordination
with Medicare for Active Employees
Employee Assistance Program
Frequently Asked Questions
Dental
Highlights
Your Options
Coverage Categories
Changing Your Options
In Brief
Your Plan Options
Coverage Levels
In Detail
Delta Dental How
the Options Work
The Deductible
Your Share
Benefits Payable
Eligible Expenses
Ineligible Expenses
Maximum Benefit
Predetermination
of Benefits
Extension of Benefits
If You Have Other Coverage
CIGNA Dental Health
-
How the Option Works
- Ineligible
Expenses
- Maximum
Benefit
General Claims
When Coverage Ends
Frequently Asked Questions
Flexible Spending Accounts
Highlights
What Are My Options?
A Word of Caution
In Brief
The Health Care Flexible
Spending Account
The Dependent
Care Flexible Spending Account
Joining the Plan
How the Accounts Work
How You Save Money
Requesting Reimbursement
Changing Your Selections
In Detail
Are They Right for You?
Health Care Flexible
Spending Account
Eligible Health Care
Expenses
Plan Your Expenses Carefully
Ineligible Health
Care Expenses
Dependent Care Flexible
Spending Account
Eligible Dependents
Eligible Dependent Care
Expenses
Ineligible
Dependent Care Expenses
How Much Can You Contribute?
General
How Other Benefits
Are Affected
Health Care Flexible
Spending Account Vs. Tax Deduction
Dependent Care Flexible
Spending Account Vs. Tax Credit
Reimbursements
When Participation Ends
Frequently Asked Questions
Life and Accident Insurance
Highlights
Your Benefits
What Is Term Insurance?
In Brief
Your Life and Accident Insurance
Benefits
Life Insurance Benefits
In Detail
Life Insurance
Accidental Death and
Dismemberment Insurance
Business Travel Accident
Insurance Coverage
General
When Coverage Ends
Frequently Asked Questions
Long-term Disability
Highlights
Your Benefits
How Your
Long-Term Disability Benefits Work
Enrolling in
Optional LTD Coverage
Evidence of
Insurability
The Disability
Process
In Detail
Calculating Your
Benefit Amount
Social Security
Disability Benefits
The Rehabilitation
Benefit
If You Become
Disabled Again
Disabilities Due
to Mental Illness and/or Drug- or Alcohol-Related Disability
When Your
LTD Benefit Payments End
Exclusions
General
When Coverage Ends
Frequently Asked Questions
Group Legal Services
Highlights
The Group Legal Plan
In Detail
Just Pick Up The Phone...
Multiple Legal Actions
Covered Services
Services Not Covered
How To Use Your
Group Legal Plan
When Coverage Ends
Frequently Asked Questions
General Plan Administration
Highlights
The Employee Retirement
Income Security Act of 1974
What ERISA Means
To You
What ERISA Does
In Detail
Administrative
Information
Cost of Coverage
How To Claim Your
Benefits
If Your Claim Is Denied
Timing of Your Appeal
Your ERISA Rights
Enforcing Your
ERISA Rights
COBRA Continuation
of Coverage
General
Plan Documents
Future of the Plans
Questions
Service Providers
Premium BCBS
Balanced Choice BCBS
Standard PPO BCBS
Healthcare Essentials BCBS
Aetna U.S. Healthcare of Texas
Aetna New York
Aetna of California
Kaiser Permanente
Pacificare
Premera Health Plus
United Health Care (FSA)
Dental Care Plan
Dental Care Plus Plan
Preventive Plan
CIGNA Dental Health
Prudential Life
A. C. Newman (AD&D)
MetLife (LTD)
Signature Legal Care (Group Legal)
Caremark (Mail-order
Prescriptions)
Enrollment Guide
Introduction
NEW Information of Interest
How to Enroll
Download Forms
Glossary
What Do the Benefit Terms Mean
Contact Excel
Who Do You Call If You Have a Problem
or Need Assistance
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