Health

Anthem Blue Cross | PPO & HDHP Medical Plans

AV offers 4 medical options, 2 PPO and 2 HDHP plans. 

The Preferred Provider Organization, PPO and PPO Enhanced, plans allow you to direct your own care. You are not limited to the physicians within the network and you may self-refer to specialists. If you receive care from a physician who is a member of the network, a greater percentage of the cost will be paid by the insurance plan. You may also obtain services using a non-network provider; however, you will be responsible for the difference between the covered amount and the actual charges. You may also be responsible for filing claims.

The High-Deductible Health Plan, HDHP and HDHP Enhanced, allows you the freedom to choose your doctor without the requirement of selecting a PCP. You may also self-refer to specialists. In-network providers will have negotiated rates and provide a richer level of benefit. The HDHP combines a health plan with a special, tax-qualified savings account (HSA).

AV utilizes the Anthem Blue Cross of California or Anthem Blue Card (outside of California) network of doctors. You can access the doctor network by going to www.anthem.com. Select Find Care and search using your member ID prefix KZU.

Hawaii Employees: AV offers Hawaii employees a comprehensive health plan with HMSA. The HMSA health plan includes medical, dental, and vision coverage. You can access the provider directory by going to HMSA.com. Select the Preferred Provider Plan to search for providers.

New Mexico Employees: AV offers 4 medical options, 2 PPO and 2 HDHP plans. These options are fully insured and utilize UHC network of doctors. You can access the provider directory by going to myUHC.com. Navigate to Find a Provider > Employer and Individual Plans> search “Choice Plus” network.

Prescription Drug Coverage

Anthem Blue Cross partners with CVS Caremark to provide your prescription drug coverage, which you automatically receive when you enroll in an AV medical plan.  With the CVS Caremark plan, you can either purchase your prescriptions at a participating retail pharmacy or use CVS Caremark’s mail-order service.  

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Guardian | PPO Dental Plan With the Guardian Dental network (PPO) dental plan, you may visit a PPO dentist and benefit from the negotiated rate or visit a non-network dentist. When you utilize an in-network dentist, your out-of-pocket expenses will be less. You may also obtain services using a non-network dentist; however, you will be responsible for the difference between the covered amount and the actual charges and you may be responsible for filing claims.

AV offers 2 dental options, Buy Up and Base.

• PPO - Buy Up: $2,000 annual benefit and orthodontia coverage for covered adults and children. 
• PPO - Base: $1,000 annual benefit and no orthodontia coverage.

To access the provider network, visit Guardian.com and select PPO: DentalGuard Preferred.

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EyeMed Vision | PPO Vision Plan

The EyeMed Vision plan provides professional vision care and high-quality lenses and frames through a broad network of optical specialists. You will receive richer benefits if you utilize a network provider. If you utilize a non-network provider, you will be responsible to pay all charges at the time of your appointment and will be required to file an itemized claim with EyeMed Vision.

Note: The EyeMed Vision network includes access to independent ophthalmologists and optometrists, as well as LensCrafters, Pearle Vision, Sears Optical, Target Optical and JCPenney.

To find an in-network provider, please visit http://EyeMed.com.

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AV provides Hearing Aid discount programs through Mutual of Omaha (Amplifon). These programs provide members up to 60% off retail on brand name hearing aids from major manufactures. Program patient care advocates will help you find a hearing care provider in your area, assist in making a hearing appointment, and will explain plan options and costs. For additional information, please select one of the plan documents below.   

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You can set aside money in Flexible Spending Accounts (FSAs) before taxes are deducted to pay for certain health care expenses, lowering your taxable income and increasing your take home pay. You will have the plan year plus 75 days to incur expenses and up to 90 days after the end of the plan year to file for claim reimbursement. Please remember that if you are using your debit card, you must save your receipts, just in case EZ Receipts (Formerly WageWorks) needs a copy for verification. Also, all receipts should be itemized to reflect what product or service was purchased. Credit card receipts are not sufficient per IRS guidelines.

Health Equity | Health Care Flexible Spending Account (HCFSA)

This plan is used to pay for expenses not covered under your Medical, Dental, and Vision plans, such as deductibles, coinsurance, copays and expenses that exceed plan limits. The 2026 contribution limit is $3,400. This plan is not available if contributing to an HSA with the HDHP medical plan. Any funds not spent in the period allowed will be forfeited.

HCFSA Eligible Expenses & FSA Eligible Items | WageWorks

Health Equity | Dependent Care Flexible Spending Account (DCFSA)

This plan is used to pay for eligible expenses you incur for childcare, or for the care of a disabled dependent, while you work. You may defer up to $7,500 pre-tax per year (or $3,750 if you are married but file taxes separately). Any funds not spent in the period allowed will be forfeited.

DCFSA Eligible Expenses | WageWorks

Health Equity | Limited Purpose Flexible Spending Account (LPFSA)

Employees enrolled in an HDHP (High-Deductible Health Plan), may participate in the Limited Purpose Flexible Spending Account to set aside pre-tax dollars to pay for eligible dental and vision expenses. You will have the plan year plus 75 days to incur expenses and up to 90 days after the end of the plan year to file for claim reimbursement.

AV's Limited Purpose FSA is administered by HealthEquity. The 2026 contribution limit is $3,400. Any funds not spent in the period allowed will be forfeited.

LPFSA Eligible Expenses | WageWorks

FSAs offer sizable tax advantages. The trade-off is that these accounts are subject to strict IRS regulations, including the use-it-or- lose-it rule. According to this rule, you must forfeit any money left in your account(s) after your expenses for the year have been reimbursed. The IRS does not allow the return of unused account balances at the end of the plan year, and remaining balances cannot be carried forward to a future plan year. We encourage you to plan ahead to make the most of your FSA dollars. If you are unable to estimate your health care and dependent care expenses accurately, it is better to be conservative and underestimate rather than overestimate your expenses.

Important Note About the FSA It is important to note that your FSA elections will expire each year on December 31st. If you plan to participate in the FSA for the upcoming plan year, you are required to re-enroll.

For more information, please visit: http://www.healthequity.com/wageworks

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AV offers a series of benefits and activities that promote health and wellbeing in the workplace.

Flu Shots
For employees who are actively enrolled in the AV health insurance plan, may have the option to receive a flu shot at no cost when given by an in-network medical provider or at a in-network pharmacy.

Health Wellbeing 
Apps that supporting meditation, mental wellbeing, nutrition, physical wellbeing, and more with Wellhub.

Mindstream is a fitness studio for your mind at SupportLinc. Click here to get started. Unleash your potential with expert wellness and mental health content on a secure, easy-to-use platform. Dive into engaging sessions and streams to supercharge your emotional health, enhance your life skills, and so much more!

Mental Health Resources
From Anthem and LiveHealth to our EAP, AV has resources to support your emotional wellbeing and work/life balance. 
What is SupportLinc EAP? Click here to learn more.

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Using LiveHealth Online, you can have a private and secure video visit with a board-certifed doctor 24/7 on your smartphone, tablet, or computer. It’s a quick and easy way to get the care you need with no appointments or long wait times. When your doctor isn’t available, use LiveHealth Online. A doctor can assess your condition, provide a treatment plan, and even send a prescription to your pharmacy, if it’s needed. 

With LiveHealth Online, you get: 

• Immediate doctor visits through live video.
• Your choice of U.S. board-certified doctors.
• Help at a cost of your regular copay (per visit).
• If you are not on AV’s health plan, you can still access this benefit (go to www.livehealthonline.com for more information).
• Private, secure and convenient online visits.
• Your copayment will apply at the time of your online visit.
• Please have a credit card handy for payment purposes.
• See the flyer below for more information on this service!

My Nurse will give you access to medical guidance 24/7/365 at NO COST to you.  MyNurse 24/7 is your first resource for immediate clinical guidance on everyday health issues. Support is available in English, Spanish, or 240 other languages. MyNurse 24/7 helps you avoid unnecessary and expensive trips to the doctor or ER. Plus, our nurses may be able to help identify an emerging condition before it becomes more severe.

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ERISA as well as various other state and federal laws require that employers provide disclosure and annual notices to their plan participants. Click on our Annual Notices packet link below for detailed information.

The following is a brief description of the annual notices:

• Medicare Part D Notice of Creditable Coverage: Plans are required to provide each covered participant and dependent a Certificate of Creditable Coverage to qualify for enrollment in Medicare Part D prescription drug coverage when qualified without a penalty. This notice also provides a written procedure for individuals to request and receive Certificates of Creditable Coverage.
• Women’s Health and Cancer Rights Act (WHCRA): The Women’s Health and Cancer Rights Act (WHCRA) of 1998, provides benefits for mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy, including lymphedema. For more information, you can reach out to AVBenefits@avinc.com, or The U.S. Department of Labor Employee Benefits Security Administration at askebsa.dol.gov, or call toll free 1-866-444-3272.
• Newborns’ and Mothers’ Health Protection Act: The Newborns’ and Mothers’ Health Protection Act of 1996 (NMHPA) affects the amount of time a mother and her newborn child are covered for a hospital stay following childbirth.
• HIPAA Notice of Special Enrollment Rights: Plan participants are entitled to certain special enrollment rights outside of AeroVironment’s open enrollment period. This notice provides information on special enrollment periods for loss of prior coverage or the addition of a new dependent.
• Medicaid & Children’s Health Insurance Program: Some states offer premium assistance programs for those who are eligible for health coverage from their employers, but are unable to afford the premiums. This notice provides information on how to determine if your state offers a premium assistance program.
• HIPAA Notice of Privacy Practices: This notice is intended to inform you of the privacy practices followed by AeroVironment’s group health plan. It also explains the federal privacy rights afforded to you and the members of your family as plan participants covered under a group plan.
• Summary of Benefits and Coverage (SBC): Health insurance issuers and group health plans are required to provide you with an easy-to-understand summary about your health plan’s benefits and coverage. This regulation is designed to help you better understand and evaluate your health insurance choices. The SBC for AeroVironment’s plan can be found on AVConnect.

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Wellhub allows you to have flexible access to thousands of activities with one membership. Along with their gym network of more than 10,000 gyms and studios around the country, Wellhub offers several at-home fitness and wellness options for you to stay active in the comfort of your own home. This includes Wellhub Wellness, a digital wellness platform that gives you access to on-demand apps featuring virtual workouts, kids-only content, nutrition planning resources, meditation and more.

To check it out, download the Wellhub app on Google Play or App Store, then Sign Up. Enter your Employee ID and create a password to start your Wellhub experience. You may also sign up by going to Wellhub.

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AV is in partnership with International SOS (ISOS) to provide an important international travel resource to all employees. ISOS offers our travelers unique medical, safety and security expertise to employees when traveling or living abroad. As an ISOS member, you receive extended security assistance 24/7, no matter where you live or travel internationally on AV’s behalf.

Contact ISOS anytime and anywhere when you venture out of the country. No issue is too small. Get support with:

- Advice before a trip

- A referral for a local doctor, dentist or other care

- Routine or urgent medical care, including evacuation

- Safety or security advise from a trained professional.

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Mutal of Omaha | Hospital Indemnity

Hospital Indemnity insurance pays a set amount for a hospital admission and daily hospital confinement. Employees can use this benefit to meet the out-of-pocket expenses not covered by the insurance plan. Additionally, included in this plan is an annual payment to covered individuals for “Health Screening Benefit.” 

Eligibility: All active full time regular employees, spouses and dependent children up to the age of 26 unless otherwise required by law due to disability. You must be enrolled in a comprehensive medical plan to enroll.

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HSA is a tax-advantaged account created for individuals who are covered under High-Deductible Health Plans (HDHPs) to save for medical expenses that HDHPs do not cover.

2026 Contribution limits to the HSA is $4,400 for employee only coverage and $8,750 for family coverage.

Employer Contribution: For HDHP Enhanced Plan Only

AV will contribute up to $750 annually for employee only coverage and up to $1,500 annually for employee + dependent coverage when enrolling in the HDHP Enhanced plan. The employer contribution is funded bi-weekly over 26 pay periods every year. This benefit also applies to New Mexico employees enrolling in the HDHP Gold plan. Employer contributions to the HSA are made whether the employee makes additional contributions or not and as long as the employee is both an active AV employee and is eligible under the plan.

HSA Catch Up:

Employee’s 55 or older may also contribute an additional Catch Up of $1,000. Employee max contributions during enrollment will be reduced by the company contribution so as not to exceed the IRS contribution limits. If you elect Employee Only HDHP coverage, you may ONLY contribute to the Employee Only HSA and are limited to the employee only max. Employees with one or more dependents on the HDHP plan, must elect Employee + Family HSA and you may contribute up to the family max.

Eligibility: All full-time regular employees who are enrolled in one of AV’s HDHP (High-Deductible Health Plans).

2026 HealthEquity HSA Guide

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COBRA continuation of coverage is the opportunity to continue your current employer based health care coverage when there’s a “qualifying event” that would result in a loss of coverage under the AV plan.   

If you’re an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events:

• Your hours of employment are reduced, or
• Your employment ends for any reason other than your gross misconduct.

For a full list of qualifying events you and/ or your covered dependent maybe eligible for, please review the attached General Notice.

COBRA continuation coverage is the same coverage that the Plan provides active employees and their covered dependents. Each “qualified beneficiary” (a qualified beneficiary is an individual covered by a group health plan on the day before a qualifying event occurred that caused him or her to lose coverage) who elects COBRA continuation coverage will also have the same rights under the Plan as other participants covered under the Plan.  

AV has retained the services of CobraGuard, (a division of iTEDIUM) to administer all COBRA group health plans sponsored by AV.  Correspondence on how to apply for COBRA coverage will be sent in the mail directly from Cobraguard.

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HealthJoy is a mobile app that provides healthcare guidance, mental health care, and support. You may call or chat with employee benefits experts whenever you have a question. The HealthJoy benefits wallet makes it easy to access your employee benefit cards in one location. Your dependent(s), ages 18 or older, may also request to set up their own account with HealthJoy.  All benefit eligible employees may access the HealthJoy app. Employees enrolled in AV medical plans may access additional concierge services.

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Selman offers supplemental insurance to military retirees and their families, active-duty member's, spouses, and children and National Guard and Reserve members and their families currently enrolled in Tricare.

If you have TRICARE health insurance, you could be saving more on out-of-pocket co-pays, prescription costs, and cost shares. Selman offers a special type of insurance product that helps cover these costs.

For more information on the supplemental Tricare plan, or to enroll in this benefit, visit here and you will be led to a landing page where you can review coverage and rates. This is a direct bill plan.

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