HealthOur employees are the basis of our success. As an AV employee, your health and the health of your dependents directly impacts the health of the company. AeroVironment offers comprehensive health plans, benefit coverage and wellness options to promote and support your well-being.
Who May Enroll
If you are a regular full-time employee working at least 30 hours per week, you and your eligible dependents may participate in AeroVironment’s benefits program. Your eligible dependents include:
- Legally married spouse
- Registered domestic partner (enrollment varies by plan). See plan documents for details
- Children under the age of 26, regardless of student or marital status
When You Can Enroll
As an eligible employee, you may enroll at the following times:
- As a new hire, you may participate in the company’s benefits program on your date of hire (Vision enrollment is the 1st of the month you are hired in or the following month depending on your first day of employment)
- Each year, during open enrollment
- Within 30 days of a qualifying event as defined by the IRS (see Changes To Enrollment below)
- You may enroll in Voluntary Life and AD&D insurance at any time, subject to proof of good health and carrier approval
Paying For Your Coverage
The Employee Assistance Program, Basic Life/AD&D and Long Term Disability benefits are provided at no cost to you and are paid entirely by AeroVironment. You and the company share in the cost of the Medical and Dental benefits you elect. Any Vision, Voluntary Life/AD&D, Short Term Disability, Long Term Care or Supplemental benefits you elect will be paid by you at discounted group rates. Your Medical, Dental, and Vision contributions are deducted before taxes are withheld which saves you tax dollars. Paying for benefits before-tax means that your share of the costs are deducted before taxes are determined, resulting in more take home pay for you. As a result, the IRS requires that your elections remain in effect for the entire year. You cannot drop or change coverage unless you experience a qualifying event.
Changes To Enrollment
Our benefit plans are effective January 1st through December 31st of each year. There is an annual open enrollment period each year, during which you can make new benefit elections for the following January 1st effective date. Once you make your benefit elections, you cannot change them during the year unless you experience a qualifying event as defined by the IRS. Examples include:
- Marriage, divorce, legal separation or annulment
- Birth or adoption of a child
- A qualified medical child support order
- Death of a spouse or child
- A change in your dependent’s eligibility status
- Loss of coverage from another health plan
- Change in your residence or workplace (if your benefit options change)
- Loss of coverage through Medicaid or Children’s Health Insurance Program (CHIP)
- Becoming eligible for a state’s premium assistance program under Medicaid or CHIP
Please note that coverage for a new dependent is not automatic. If you experience a qualifying event, you have 30 days to update your coverage. You will be provided instructions for enrollment. If you do not update your coverage within 30 days from the qualifying event, you must wait until the next annual open enrollment period to update your coverage.
DocumentsEmployee Premium Contribution/Costs Coresource Enrollment Form (Medical & Dental) Coresource Registration Form Coresource Medical Claim Form MES Vision Enrollment Form MOO Enrollment Form
Anthem Blue Cross | PPO & EPO Medical Plans
The Preferred Provider Organization (PPO) and the Exclusive Provider Organization (EPO) plans allows 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 entire 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 and you may be responsible for filing claims.
Prescription Drug Coverage
Anthem Blue Cross partners with CVS Caremark to provide your
prescription drug coverage, which you automatically receive when you
enroll in a medical plan.
With the CVS plan, you can either purchase your prescriptions at a
participating retail pharmacy or use CVS Caremark’s mail-order service.
To access your pharmacy benefits, visit https://www.caremark.com/wps/portal.
DocumentsMedical Plan Document & Summary Plan Description Finding a Provider – Anthem Blue Cross Instructions for Logging Into Coresource.com Medical Insurance Overview Medical Insurance Tips CVS Caremark Getting Started Guide CVS Caremark Readyfill Brochure CVS Caremark Mail Service Order Form Prescription Reimbursement Claim Form Student Status – Proof Health Benefits PPO – Summary of Benefits Coverage EPO – Summary of Benefits Coverage Medical Part D Credible Coverage
Cigna | PPO Dental Plan
With the Cigna Preferred Provider Organization (PPO) dental plan, you may visit a PPO dentist and benefit from the negotiated rate or visit a non-network dentist. When you utilize a PPO 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.
Note: We strongly recommend you ask your dentist for a predetermination if total charges are expected to exceed $300. Predetermination enables you and your dentist to know in advance what the payment will be for any service that may be in question.
To find an in-network provider, please visit www.cignadentalsa.com.
DocumentsDental Insurance Overview Dental Plan Document & Summary Plan Description Dental Claim Form
MES Vision | PPO Vision Plan
The MES 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 MES Vision.
Note: The MES Vision network includes access to independent ophthalmologists and optometrists, as well as Costco, LensCrafters, Pearle Vision, Sam’s Club, Sears Optical, Target Optical and Walmart retail stores.
To find an in-network provider, please visit www.mesvision.com.
DocumentsVision Insurance Overview Vision Claim Form MES Benefit Summary
You can set aside money in Flexible Spending Accounts (FSAs) before taxes are deducted to pay for certain health and dependent care expenses, lowering your taxable income and increasing your take home pay. Only expenses for services incurred during the plan year are eligible for reimbursement from your accounts. You choose how you would like to pay for your eligible FSA expenses. You may use a debit card provided by WageWorks or pay in full and file a claim for reimbursement. Please remember that if you are using your debit card, you must save your receipts, just in case 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.
WageWorks | Health Care Spending Account (HCSA)
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. You may defer up to $2,650 pre-tax per year.
WageWorks | Dependent Care Assistance Plan (DCAP)
This plan is used to pay for eligible expenses you incur for child care, or for the care of a disabled dependent, while you work. You may defer up to $5,000 pre-tax per year (or $2,500 if you are married but file taxes separately).
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.
Dan estimates that he will have approximately $1,200 in out-of-pocket health care expenses next year and is looking to increase his take-home pay.
Important Note About the FSA It is important to note that your FSA elections will expire each year on January 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.takecarewageworks.com/
DocumentsFSA WageWorks Enrollment Form FSA Direct Deposit Form WageWorks URM Claim Form WageWorks DDC Claim Form
LiveHealth Online is a new communications tool that lets you talk to doctors online by two-way video on a computer or mobile device.
Have a health question? Under the weather? With LiveHealth Online, you don’t have to schedule an appointment, drive to the doctor’s office, and then wait for your appointment. In fact, you don’t even have to leave your home or office. Doctors can answer questions, make a diagnosis, and even prescribe basic medications when 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)
- Private, secure and convenient online visits.
- Your regular office co-payment will apply at the time of your online visit. Please have a credit card handy for payment purposes.
Download the LiveHealth App on your mobile phone or sign up online at www.livehealthonline.com.
Advance Medical Second Opinion, Health Advocacy, and Expert Medical Attention
AeroVironment offers a valuable expert second opinion service through Advance Medical. This benefit can be used to ensure that you and your family get the best healthcare possible. The service is free, easy and 100% confidential. Talk to a doctor whenever you need.
The Advance Medical team of doctors have the time and freedom to help you and your family one-to-one, to help you understand what’s happening, how to navigate the healthcare system, and get the best answers to your biggest questions, without delay.
- Work directly with a dedicated Physician Case Manager for advocacy, navigation, or Expert Medical Opinion.
- Medical intake, updates, report explanations and follow-ups from a Physician Case Manager.
- Collection of medical records by Advance Medical.
- Expert Medical Opinion Reports written by qualified medical experts.
To learn more about this service or to get started, please visit https://advance-medical.net/AeroVironment/.
AeroVironment offers a series of benefits and activities that promote health and well-being in the workplace.
Flu shots are provided at an AV office location at no cost to the employee one time a year. For employees who are actively enrolled in the AV health insurance plan, may also have the option to receive a flu shot at no cost when given by an in-network medical provider.
CPR/First Aide Certification
Select employees will be offered the opportunity to receive certification training in CPR and First Aide provided onsite and at no cost to the employee. Recertification is also offered upon expiration.