Open Enrollment

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 https://hmsa.com/search/providers/. 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 www.myuhc.com. Navigate to Find a Provider > Employer and Individual Plans> search “Choice Plus” network.

Eligibility: All active full time regular employees and spouses. Dependent children up to the age of 26 unless otherwise required by law due to disability.

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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.

Beginning January 1, 2026, dental insurance is offered through the Guardian Dental network of providers. 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 https://www.guardiananytime.com/fpapp/search and select PPO: DentalGuard Preferred.

New hires and/or employees updating benefits for the remainder of the 2025 plan year will be on the CIGNA Dental network through December 31, 2025 - Does not apply to legacy BH/VR new hires and employees.

Eligibility: All active full time regular employees and spouses. Dependent children up to the age of 26 unless otherwise required by law due to disability.

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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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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.

Healthcare FSA:

HealthEquity | Health Care Spending Account (HCSA)

AV's Healthcare FSA plan is administered by HealthEquity. 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.

Eligibility: All active full time regular employees not enrolled in an HDHP medical plan.

Dependent Care FSA:

HealthEquity | Dependent Care Assistance Plan (DCAP)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.

Eligibility: All active full time regular employees.

Limited Purpose FSA:

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.

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

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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).

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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.” For more information regarding this plan, visit My AV Benefits.

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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AV offers High and Low Accident plan options through Mutual of Omaha. Accident insurance offers financial protection for You and Your insured Dependent(s). The plan will pay you a benefit to help cover your out-of-pocket medical costs in the event of an accident. For covered accidental injuries, fixed benefits are paid directly to you, regardless of any other coverage. The benefit amount(s) payable is/are based on the type and amount of insurance in effect on the date the Accident occurs. All benefit payments are subject to the definitions, limitations, exclusions and other provisions of the Policy.

Eligibility: Active full time regular employees and spouses. Dependent children up to the age of 26 unless otherwise required by law due to disability.

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Mutual of Omaha’s Critical Illness Plan will provide a lump sum benefit payment upon the first and potentially second diagnosis of any qualified Critical Illnesses. Covered conditions include cancer, heart attack, stroke, heart failure, neurological movement disorders, organ failure and kidney failure. Benefits are paid even if medical insurance is paying 100% of the cost. Additionally, included in this plan is an annual payment to covered individuals for “Be Well Screening Tests”. Evidence of Insurability is not required. Benefits are $5,000 to $50,000 in $5,000 increments.

Child Coverage: Coverage is automatic for eligible dependent children up to age 26 (a separate election is not required). Coverage is up to 50% of employee benefit, up to $15,000.

Eligibility: All full time, regular employees. Please note, you must be enrolled in a major medical plan for yourself and your covered dependents in order to elect this plan.

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Long Term Disability

AV offers you Long-Term Disability (LTD) at no cost to the employee. This coverage provides income replacement if you become disabled for an extended period of time, through Mutual of Omaha. If you meet the definition of disability under the plan, there is an elimination period before benefits are payable. Your benefits under this plan would begin 90 days after the onset of your disabling injury or illness. The LTD benefit will cover 60% of your monthly pay up to a maximum of $10,000. LTD works with state disability programs, Social Security, and any other group disability coverage, to provide you with a combined monthly benefit.

Eligibility: All full time, regular employees

Short Term Disability

AV offers you Short-Term Disability (STD) at no cost to the employee. This coverage provides a benefit up to 60% of your earnings, through Mutual of Omaha. If you meet the definition of disability under the plan, there is an elimination period before benefits are payable. Your benefits under this plan would begin 7 days after your injury, illness, or pregnancy. The STD benefit will cover 60% of your monthly pay up to a maximum of $2,000 per week for a period of 12 weeks. STD works with state disability programs, Social Security, and any other group disability coverage, to provide you with a combined monthly benefit.

Eligibility: All full-time regular employees

Short-Term Disability Buy Up:

AV offers you the opportunity to purchase Voluntary Short-Term Disability (STD) income replacement at discounted group rates, through Mutual of Omaha. If you experience a temporary disability, benefits begin 7 days after the start of your accident, sickness or pregnancy and will continue up to a maximum of 12 weeks. This plan pays an additional 10% of your pre‐disability earnings. Combined with the AV paid STD plan, employees receive up to a maximum benefit of $3,000 per week. Not recommended for employees who reside in states that provide worker short term disability. For example, California.

Eligibility: All full time regular employees.

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Norton identity theft protection services focuses on helping you protect your identity and to help keep you safer in an always connected world. They offer 3 layers of protection: Detect, Alert and Restore. Employees will have a choice of two LifeLock options, Benefit Essential and Benefit Premiere.

Eligibility: All active full time regular employees and eligible dependents. Children under the age of 18 will receive a product designed specifically for minors, LifeLock Junior® service. LifeLock Junior membership is available as an added membership to an adult LifeLock plan.

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Basic Life/AD&D:

Basic Life is company provided life insurance through Mutual of Omaha at no cost to the employee. Employees will receive 1 x their basic salary up to $600,000. Employees will receive an equal amount of AD&D to their Basic Life Insurance coverage.

Eligibility: All full time, regular employees.

Voluntary Life/AD&D:

In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life and AD&D insurance at discounted group rates provided by Mutual of Omaha. If elected, you pay for this coverage with after-tax dollars through convenient payroll deductions. You have the option to elect Accidental Death & Dismemberment (AD&D) for yourself, your spouse, and your dependent child(ren). If coverage is elected, the Principal Sum Amount is equal to the amount of the life insurance benefit. AD&D coverage is available if you or your dependents are injured or die as a result of an accident, and the injury or death is independent of sickness and all other causes. The benefit amount depends on the type of loss incurred and is either all or a portion of the Principal Sum. Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health and is available to you during the 2026 Open Enrollment. Guarantee issue is available in the following amounts: Employee = $300,000, Spouse = 100% of employee benefit up to a maximum of $50,000 Child(ren) = 100% of employee benefit up to a maximum of $10,000. Employees may enroll in an amount above the Guarantee issue up to $1,000,000 for themselves and $250,000 for spouse. Any amount over the guaranteed issue and/or any requests for any dollar amount outside of New Hire or the 2026 Open Enrollment will require the completion of an Evidence of Insurability (EOI) form with MOO and is subject to underwriting. Complete the EOI online here: EOI FORM AV Group number: G000AXG7

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AV provides you the opportunity to purchase Long Term Care insurance at discounted group rates, through Trustmark. Long Term Care provides resources that might be needed when your or an eligible family member requires help with two or more activities of daily living or when suffering a severe cognitive impairment. Rates are based on age, tobacco use, and coverage amount. If you would like to enroll in Long Term Care, please go to www.myltcguide.com/av. This is a direct bill plan; deductions are not taken as a payroll deduction.

Eligibility: Employee, Spouse, Adult Child and certain other identified family members. Employees or their spouse/domestic partner who is 75 years old or older as of January 1, 2026, will not be eligible to enroll.

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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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AV offers you pet insurance through Nationwide. You care about your pets and consider them members of your family. Whether your family includes kids with two feet or kids with four paws - or both - you know what responsibility looks like. My Pet Protection through Nationwide offers choice of 50% or 70% reimbursement options so you can find coverage that fits your budget. All plans have a $250 deductible and $7,500 maximum annual benefit.

To enroll in this benefit, visit here and you will be led to a landing page where you can enter information about the pet you'd like to get an insurance quote for.

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AV offers employee paid legal coverage through ARAG. ARAG legal insurance makes it affordable to get the legal help you need: network attorney fees are 100% paid-in-full for most covered matters. Benefit from a wide range of coverage and services to protect you and your loved ones and better navigate life’s legal challenges. Members can also access a nationwide network of thousands of attorneys who can review and prepare legal documents, as well as provide legal counsel and representation. For more information regarding this plan, visit My AV Benefits.

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