My 2025 Benefits

2025 Benefits at a Glance

If you would like to waive any of your benefits for 2025, please complete the below form and return to HR.

BCBS VT - Medical Plans

Your BCBS VT Medical Benefits

Fulflex offers 3 medical plans from Blue Cross Blue Shield of Vermont:

Gold 1 (Standard)
Preferred Silver Reflective (Non-Standard)
Bronze CDHP 3 (Standard)

BCBS VT Plan Details

Deductibles — The amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay a portion of the costs.

Copays — A fixed amount you pay for a health care service. Copays do not count toward your annual deductible but do count toward your annual out-of-pocket maximum.

Coinsurances — Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you may pay 30% for services and the plan pays 70% of the cost until you reach your annual out-of-pocket maximum, depending on which plan you choose.

Out-of-pocket maximums— The most you will pay each year for eligible in- or out-of-network services, including prescriptions. After you reach your out-of-pocket maximum, the plan pays the full cost of eligible health care services for the rest of the year.

1 A Standard health plan provides the same plan design (deductibles, copays, and covered services) across multiple insurance companies, making it easier to compare plans. Standard plans of the same type from different carriers (e.g. the BCBS VT Gold 1 Plan and the MVP Gold 1 Plan) have the same plan design but differ in their provider networks and premiums.

2 A Non-Standard health plan is customized with variations in coverage and pricing beyond the standardized options. These plans offer more variety in plan design and can vary significantly in plan design across different insurance companies. For example, the non-standard Silver Reflective plans of BCBS VT and MVP differ greatly in their deductibles, copays, and cost sharing.

3 A plan with a Stacked family deductible pays benefits to each covered family member who reaches their individual deductible. For example, under the BCBS VT Gold 1 Plan, each individual family member would need to spend $1,400 in medical expenses for their deductible to be reached, and then the plan would start paying expenses for that individual.

4 In a plan with an Aggregate family deductible, the entire family must meet a single deductible amount (regardless of how individual expenses are accrued across covered family members on the plan) before the plan will start paying for benefits. For example, under the BCBS VT Bronze CDHP 3 Plan, all family members covered under the plan must meet the $11,600 deductible collectively (as opposed to $5,800 individually).

5 A plan has an Integrated Out-of-Pocket Maximum when the maximum out-of-pocket amount you pay is combined for both medical and pharmacy services.

BCBS VT Medical Plans – Summary of Benefits and Coverages (SBCs)

Contributions

BCBS VT Telemedicine – Amwell

Visit a doctor and receive prescriptions from the comfort of your home!

Sick on a weekend? Worried about a feverish baby in the middle of the night? Advice from a board-certified doctor is as close as your computer, tablet, or smart phone. BCBS VT partners with American Well (Amwell), a nationally acclaimed telemedicine vendor, to provide you with services 24/7, wherever you are. This service is available via the Amwell app or by phone.

Top 10 Conditions for members using Telemedicine:

Sinus Infection
Upper respiratory infection
Bronchitis
Urinary tract infection
Sore throat
Pinkeye
Influenza
Cough
Allergies
Asthma

How to Sign Up

Download the Amwell app from the App Store or Google Play, or visit www.amwell.com
Register for your virtual visit. You will need your BCBS VT ID card.
Select “BCBS VT” from the dropdown menu in the Health Plan field when prompted.
Select “Medical” when prompted to choose the type of service you want.
Select a doctor from the list of doctors available to you.
Answer some general health questions and some questions about your current medical issue.

That’s it! You’ll watch a short Amwell welcome video and be directed to the virtual “waiting room” for your provider.

For additional assistance, call (844) 433-3627 or visit https://www.bluecrossvt.org/find-doctor/telemedicine-care.

Eligibility

All full-time employees who work at least 30 hours per week are eligible for coverage on the 1st of the month following 60 days of employment.

Contact Information

Phone – 800-247-2583

Website – www.bcbsvt.com

Please click here for the BCBS VT Provider Directory

Please click here for the BCBS VT Formulary Drug List

Contact Information

Phone – (844) 433-3627

Website – https://www.bluecrossvt.org/find-doctor/telemedicine-care

Forms

Additional Information

BCBS VT - Personal Health Services

Transparency in Coverage

By clicking on the button below, you will be led to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Transparency in Coverage - No Surprises Act

MVP Health Care - Medical Plans

Your MVP Health Care Medical Benefits

Fulflex offers 3 medical plans from MVP Health Care:

Gold 1 (Standard)
Plus Silver Reflective (Non-Standard)
Bronze CDHP 3 (Standard)

MVP Health Care Plan Details

Deductibles — The amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay a portion of the costs.

Copays — A fixed amount you pay for a health care service. Copays do not count toward your annual deductible but do count toward your annual out-of-pocket maximum.

3 A plan with a Stacked family deductible pays benefits to each covered family member who reaches their individual deductible. For example, under the MVP Gold 1 Plan, each individual family member would need to spend $1,400 in medical expenses for their deductible to be reached, and then the plan would start paying expenses for that individual.

4 In a plan with an Aggregate family deductible, the entire family must meet a single deductible amount (regardless of how individual expenses are accrued across covered family members on the plan) before the plan will start paying for benefits. For example, under the MVP Bronze CDHP 3 Plan, all family members covered under the plan must meet the $11,600 deductible collectively (as opposed to $5,800 individually).

5 A plan has an Integrated Out-of-Pocket Maximum when the maximum out-of-pocket amount you pay is combined for both medical and pharmacy services.

MVP Health Care Medical Plans – Summary of Benefits and Coverages (SBCs)