Employee Benefits Guide
2024
Table of Contents Introduction.........................................................................................2 Enrollment Information...............................................................3 Qualifying Life Event..................................................................... 4 COBRA.................................................................................................... 4 Medical Plan Information...........................................................5 2024 BCBS of Arizona Medical Plans..................................6 Health Savings Account (HSA)................................................7
Telehealth..............................................................................................8 Dental Plan.........................................................................................10 Vision Plan........................................................................................... 11 MetLife Life Insurance................................................................ 12 Employee Rate Sheet.................................................................. 13 Employee Assistance Program............................................14 Important Phone Numbers.................................................... 15
Introduction Whether you are a new employee enrolling into your benefits for the first time or considering your benefits during open enrollment, this guide is designed to help you through the process. Arizona Technology Council is proud to offer a benefits package that includes medical, dental and vision insurance coverage for you and your dependents. Please take the time to read this information and ask questions so you can make the best benefits decisions for both you and your family.
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If you should have any questions: 1. Contact the carrier directly. Phone number and website information is on page 14. 2. Contact Chris O’Neal at 602.422.9463 ext. 2505 or coneal@aztechcouncil.org or Vanessa Thompson at 619.988.7673 or vthompson@scitechinstitute.org. This booklet highlights important features of Arizona Technology Council’s benefits for it’s benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Enrollment Information OPEN ENROLLMENT
PRE-TAX VS POST-TAX DEDUCTIONS
Open Enrollment for current employees is from December 12th through December 20th. This is your one time per year to make changes.
Pre-Tax Dollars: Your medical, dental and vision insurance premiums are paid with money removed from your gross wages prior to any tax calculations. This reduces your tax liability and is a more efficient way to pay for premiums.
All benefit eligible employees are required to elect coverage via Arizona Technology Council’s enrollment form. Any coverage not actively selected will be considered a waiver of coverage.
NEW EMPLOYEES
Post-Tax Dollars: If you elect to enroll in the Supplemental Term Life benefit, your premiums will be deducted from your gross pay after taxes are deducted.
New Employees have 31 days from your hire date to complete enrollment in the group insurance program. If you have moved from a non-benefits eligible status to a benefits eligible status, you will have 31 days from the new benefits eligible status to complete your enrollment. All insurance coverage starts at the first of the month. Remember, if elections are not made within the 31day initial period of eligibility, you will be required to wait until Annual Open Enrollment or until a Qualifying Life Event takes place. Late Enrollees may be required to satisfy a waiting period for the dental plan for certain services.
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Qualifying Life Event The elections that you make during Open Enrollment or at initial benefits eligibility will remain in effect for the plan year (January 1, 2024 - December 31, 2024). During that time, if your life or family status changes according to the recognized events listed below, you are permitted to revise your benefits coverage to accommodate your new status. You may make benefits changes by contacting the Benefits Department and providing the proper documentation. IRS regulations govern under what circumstances you may make changes to your benefits, which benefits you can change and what kinds of changes are permitted.
QUALIFYING LIFE EVENTS LIST Marital Status Changes
Covered Dependent Changes
■
Marriage
■
Death of spouse
■
Divorce
■
Spouse gains or loses coverage from another source
■
■
■
Spouse employer’s Open Enrollment
■
Birth or adoption of a child Death of dependent child Dependent becomes ineligible for coverage
✓ All changes must be consistent with the qualifying life event.
✓ In most cases, you cannot change your benefit plan, but may modify the level of your coverage (in other words, you can add or delete dependents, enroll or dis-enroll yourself or dependents, but not switch insurance carriers or plans). Any changes in benefit levels must be completed within 31 days of the qualifying life event.
COBRA In most cases, if your employment ends, benefits will terminate on the last day of the month in which you stopped working. Benefits will end on the day of termination in cases of employee fraud. Through federal legislation known as the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), you may choose to continue coverage by paying the full monthly premium cost plus an administrative charge of 2% (if applicable). Each individual who is covered by an Arizona Technology Council benefit plan immediately preceding
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the employee’s COBRA event has the right to continue his or her medical, dental or vision plan. The right to continuation of coverage ends at the earliest of the date:
✓ you, your spouse or dependents become covered under another group health plan; or,
✓ you become entitled to Medicare; or, ✓ you fail to pay the cost of coverage; or ✓ your COBRA Continuation Period expires.
Medical Plan Information 1
BCBS of AZ Statewide PPO Network (including Mayo Clinic) Arizona Technology Council
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BlueCare Anywhere
AZ Technology 3 Council Association Health Program
1
The networks Arizona Technology Council will use for hospitals and physicians for their medical plans.
2
The virtual visit (telemedicine) provider for the medical plans from BCBS of AZ.
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The association that Arizona Technology Council is a part of to bring robust benefit options to it’s employees
SUMMARY Medical benefits provide you and your family access to quality health care. Arizona Technology Council offers three comprehensive medical plans that you may choose from for yourself or for yourself and your dependents. The medical plans are provided through the Arizona Technology Council (AZTC). AZTC contracts with Blue Cross Blue Shield of Arizona to use their PPO plans with the Statewide Network (including Mayo Clinic). The medical plans provide major medical coverage to include hospitalization, physician and emergency room visits, prescriptions, telemedicine (BlueCare Anywhere) and more. To search for a Blue Cross Blue Shield of Arizona PPO provider in the Statewide Network (including Mayo Clinic), visit azblue.com/member after you are enrolled to register for your online member portal or call 602.864.4400.
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2024 BCBS of Arizona Medical Plans PPO 80 / 500 (Buy-Up Plan)
PPO 80 / 1000 (Mid Plan)
HSA 100 / 3500 (Base Plan)
In Network
In Network
In Network
Network
Statewide PPO + Mayo Clinic
Statewide PPO + Mayo Clinic
Statewide PPO + Mayo Clinic
Lifetime Maximum
Unlimited
Unlimited
Unlimited
Calendar Year
Unlimited
Unlimited
Unlimited
Individual
$500
$1,000
$3,500
Family
$1,000
$2,000
$7,000
Coinsurance
80%
80%
100%
Individual
$4,000
$4,500
$3,500
Family
$8,000
$9,000
$7,000
Inpatient Hospital
20% After Deductible
20% After Deductible
No Charge After Deductible
Outpatient Hospital
20% After Deductible
20% After Deductible
No Charge After Deductible
Emergency Room
$350 Copay
$350 Copay
No Charge After Deductible
Urgent Care
$50 Copay
$50 Copay
No Charge After Deductible
Office Visit
$25 Copay
$25 Copay
No Charge After Deductible
Specialist Visit
$50 Copay
$50 Copay
No Charge After Deductible
Deductibles
Out-of-Pocket Max
Hospital Services
Routine Services
Preventive Care
Covered In Full
Covered In Full
Covered In Full
Lab & X-Ray
OV Copay OR 20% After Deductible
OV Copay OR 20% After Deductible
No Charge After Deductible
Tier 1
$15 Copay
$15 Copay
No Charge After Deductible
Tier 2
$45 Copay
$45 Copay
No Charge After Deductible
Tier 3
$75 Copay
$75 Copay
No Charge After Deductible
Tier 4
$130 Copay
$130 Copay
No Charge After Deductible
Mail Order
2x Copay
2x Copay
No Charge After Deductible
Prescription Drugs
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Health Savings Account (HSA) If you choose to enroll in the HSA 100 / 3500 medical plan, you will have an HSA provided to you. An HSA is a tax-advantaged savings and spending account that can be used to pay for qualified health care expenses.
THERE ARE TWO COMPONENTS TO AN HSA-BASED COVERAGE PLAN: 1. A qualified health plan is the insurance component that provides medical coverage for you and your family. You can choose the HSA 100 / 3500 plan.
2. An HSA is the banking component which can be funded by pre-tax payroll contributions from you.
HOW AN HSA WORKS: 1. Enroll in the HSA 100 / 3500 plan offered by Arizona Technology Council
The money contributed to the account is yours to keep and will roll over year after year – no ‘use it or lose it’ rule!
2. Contribute to your HSA by payroll deductions or directly to your HSA account: For 2024, you may contribute up to $4,150 for self-only coverage or $8,300 for family coverage. If you are 55 or older, you may contribute an extra $1,000 in 2024.
3. With your HSA debit card, use those funds to pay for qualified expenses such as: ■ copays
■ hearing aids
■ deductibles
■ glasses/ contacts
■ chiropractor
■ prescriptions
■ dental treatment
HSA ELIGIBILITY To make tax-free contributions to an HSA, the IRS requires that: ■ You are covered by an HSA-qualified medical plan (such as the HSA 100 / 3500 plan) ■ You have no other health coverage (such as other health plan, Medicare, military health benefits,
medical FSA’s) ■ You may not be eligible to be claimed as a dependent on another’s tax return
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Telehealth
Online Doctor Visits Any Day, Any Time. Online Doctor Visits Any Day, Any Time WHAT IS BLUECARE ANYWHERE?
Online Doctor Vis Any Day, Any Tim
Blue Cross Blue Shield of Arizona (BCBSAZ) members can see a board-certified doctor, counselor, or psychiatrist on acomputer or mobile device using the BlueCare® Anywhere telehealth app. It’s the easy way to get immediate care—any day, any time. Why wait to start feeling better? Just sign in and connect to your live video visit.
What is BlueCare Anywhere?
WHAT ARE OFFERED? Blue CrossSERVICES Blue Shield of Arizona (BCBSAZ) members can see a board-certified doctor, counselor, or psychiatrist on a computer or mobile device using the BlueCare® Anywhere telehealth app. It’s the easy way to get immediate care— MEDICAL COUNSELING PSYCHIATRY any day, any time. Why wait to start feeling better? Just sign in and connect to your live video visit.
You don’t have time to be sick. Sometimes you just need to talk Psychiatric care is here whenever And whether you’re at home, at things out. When life’s challenges and wherever you need it.* ConTake advantage of the flexible, affordable, work, or on vacation, a board-cerget too heavy, a certified counselnect with a board-certified psySM app. When Anywhere tified doctor is ready to connect or or psychologist is a click away.* chiatrist telehealth face to face by video visit, your p provider, psychiatrist with you whenever and wherevThey can help you with concerns or bycounselor, phone fromorthe privacy andany day er you need help.have For common suchwhether as depression and anxiety comfort of your own home. ExYou don’t time to be sick. And you’re at home, at work, or on vacation, a board-certified doctor health issues like as well as stress caused grief, perienced is ready to headaches, connect with you whenever and wherever youby need help. For commonpsychiatrists health issuescan like help fevers, rashes, and stomach bugs,and divorce, challenges, job a provider you address common headaches, fevers, rashes, stomachparenting bugs, simply click to select and start feelingbehavioral better. simply click to select a provider loss, and other major life changes. health challenges, and provide and start feeling better. assessments, evaluations and Sometimes you just need to talk things out. When life’s challenges get treatment. too heavy, a certified counselor or
What services are offered? MEDICAL
COUNSELING
Three Types of Telehealth Care Avai
and anxiety as well as psychologist is a click away.* They can help you with concerns such as depression MEDICAL stress caused by grief, divorce, parenting challenges, job loss, and other major life changes.
QUICKPSYCHIATRY TIPS
Providers can treat a range of co prescribe medication when nece
The BlueCare Anywhere app and putswherever you faceyou to face a board-certified doctor anypsychiatrist time, night Psychiatric care is telehealth here whenever needwith it.* Connect with a board-certified or day. These tips can help you start a visit in minutes using your computer, tablet, or smartphone face to face by video visit, or by phone from the privacy and comfort of your own home. Experienced
COUNSELING
psychiatrists can help you address common behavioral health challenges, and provide assessments, Licensed psychologists or couns evaluations and treatment.
substance abuse which can affec This is available by appointment
DOWNLOAD THE BlueCare Anywhere APP OR VISIT BlueCareAnywhereAZ.com NOW.
PSYCHIATRY
Board-certified psychiatrists are a and can prescribe medication. Th
*Counseling and psychiatric care are by appointment.
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DOWNLOAD THE BlueCare APP OR VISIT BlueCareAny
Sign up to get Sign up to getIt’s started. easy!It’s easy! 1 started.
(It’s a good idea to do this before you need to see a doctor.) (It’s a good idea to do this before • Download the BlueCare Anywhere mobile app you need to see a doctor.)
or visit BlueCareAnywhereAZ.com. • Fill in ✓ your contact information. Download the BlueCare • Set up your username and password. Anywhere mobile app or visit • Add your insurance, doctor, health, BlueCareAnywhereAZ.com. and payment information. ✓ Fill in your to contact information. • Test your connection make sure it works. • You’re✓ready to use BlueCare Anywhere! Set up your username and password.
✓ Add your insurance, doctor, health, and payment information.
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✓ Test your connection to make sure works. Know✓itYou’re when to use ready to useitBlueCare Anywhere!
Headache
Visit with a doctor, counselor, or psychiatrist for help with:
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Know when to use it
• Insomnia • Cold, flu, fever • Anxiety • Cough, bronchitis • Diarrhea, vomiting • Depression, and more • Headache Visit with a doctor, counselor, or • Pink eye • Rashes psychiatrist for help with:
This is not a complete list. BlueCare Anywhere should not be used for burns, wounds, broken bones, or Cold,In an flu, fever Rashes life-threatening conditions. identified or probable emergency, the virtual visit provider will direct you to seek emergency care. For more information, visit BlueCareAnywhereAZ.com.
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✓ ✓ Cough, bronchitis ✓ Diarrhea, vomiting ✓ Headache ✓ Pink eye
See a doctor or make an appointment
✓ ✓ Insomnia ✓ Anxiety ✓ Depression, and more
This is not a complete list. BlueCare Anywhere should not be used for burns, wounds, broken bones, or life-threatening conditions. In an identified or probable emergency, the virtual visit provider will direct you to seek emergency care. more • OpenFor the appinformation, or go to visit BlueCareAnywhereAZ.com. BlueCareAnywhereAZ.com and sign in. • Follow the steps to choose a doctor or make an appointment. Some doctors are available right away. Others might have a short wait time. • You can see the fees and add or change your payment information.
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See a doctor or make an appointment
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You will see when the doctor dials
You will see the doctor dials into the into when the video chat session. video chat session. You will talk with the doctor about
You will talk doctor about your your with healththe concern just like during a regular office health concern just visit. like during a regular office visit.
You can use the camera on your computer or mobile on device to provide You can use the camera your computer close-up views.
or mobile device to provide close-up views. Thewill doctor willyou givetreatment you treatmentoptions The doctor give options and may send a prescription and mayto send a prescription to the pharthe pharmacy you’ve selected, macy you’ve selected, if needed. if needed.
Need a “sick orslip” other document to go Needslip” a “sick or other document back to work or school? The doctor to go back to work or school? The can doctor provide one as appropriate. provide one ascan appropriate.
After yourVisit visit After Your
You’ll receive a report that you can share with your
You’ll PCP receive a report that you can share with or other healthcare provider. A satisfaction survey be sent to your email. your PCP orwill other healthcare provider. A satisYour answers will us make faction survey will behelp sent to your email. Your anthe BlueCare Anywhere app the swers will help us make the BlueCare Anywhere very best it can be. app the very best it can be.
CARE IS AVAILABLE NOW. DOWNLOAD THE APP TODAY OR VISIT BlueCareAnywhereAZ.com.
✓ Open the or go If you are traveling out of state, you’llapp need to change your to profile setting to show the state you’re visiting. That way, you can choose a doctor who is licensed to practice in that state.
BlueCareAnywhereAZ.com and sign in. ✓ Follow the steps to choose a doctor or Blue Cross, Blue Shield, and themake Cross and Shield are registered service marks of the Blue Cross Blue Shield Association, an association of anSymbols appointment. Some doctors independent Blue Cross and Blue Shield Plans. Other logos are the property of their respective owners. available right away. © 2019 Blue Cross Blue Shieldare of Arizona, Inc. ✓ Others might have a short wait time. D20666 08/18 TEL-0312-052019 Blue Cross, Blue Shield, and the Cross and Shield Symbols are reg✓ You can see the fees and add or change istered service marks of the Blue Cross Blue Shield Association, an your payment information. association of independent Blue Cross and Blue Shield Plans. Other If you are traveling out of state, you’ll need to change your profile setting to show the state you’re visiting. That way, you can choose a doctor who is licensed to practice in that state.
logos are the property of their respective owners. © 2019 Blue Cross Blue Shield of Arizona, Inc.
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505458-19
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Get Get treated treated
Dental Plan BLUE CROSS BLUE SHIELD OF AZ BLUEDENTAL PPO NETWORK In Network
Out of Network
Individual
$50
$50
Family
$150
$150
Annual Plan Maximum
$1,500 + Rollover
$1,500 + Rollover
Exams
100%
80%
Cleanings
100%
80%
Bitewing X-Rays
100%
80%
Floride Treatment (To age 16 - one per calendar year)
100%
80%
Amalgam & Composite Fillings
80%
60%
Simple Extractions
80%
60%
Periodontal Maintenance
80%
60%
Root Canals
80%
60%
Crowns
50%
40%
Dentures
50%
40%
Bridges
50%
40%
General Anesthesia
50%
40%
Implants
50%
40%
Type I (Deductible waived for Type I services) Diagnostic & Preventive Services
Type II Basic Services
Type III Major Services
The Arizona Technology Council dental plan includes preventive services and office visits.
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Vision Plan
Standard lenses are covered.
VSP VSP CHOICE NETWORK
In Network
Out of Network
Exam
$10 Copay
Reimbursed to $45
Frequency
Every 12 Months
Every 12 Months
Lenses
Covered 100%
Reimbursed to $65
Single/Bifocal/Trifocal
with no copay
depending on lens
Frequency
Every 12 Months
Every 12 Months
Frames
$150 Allowance ($80 Allowance at Costco, Walmart and Sam’s Club)
Reimbursed to $70
Frequency
Every 24 Months
Every 24 Months
Contact Lenses (instead of glasses)
$150 Allowance
Reimbursed to $105
Every 12 Months
Every 12 Months
Average 15% off the regular price or 5% off the promotional price
Not covered
Lasik Surgery
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MetLife Life Insurance BASIC LIFE INSURANCE AND AD&D Arizona Technology Council pays 100% of the cost of this MetLife Term Life Insurance Policy. Coverage for each benefit eligible employee enrolled in one of the medical plans is a $25,000 Life and AD&D Benefit. Life insurance provides protection for those who depend on you financially. Your need varies greatly
due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident.
VOLUNTARY SUPPLEMENTAL LIFE INSURANCE AND AD&D You can also elect to purchase additional life insurance from MetLife for yourself, your spouse and child(ren). ■ Employee: $10,000 increments to a maximum of
$500,000. ■ Spouse: $5,000 increments to a maximum of
$250,000 not to exceed 50% of the employee’s Supplemental Life Benefit. ■ Child(ren) to age 19 (23 years old if full-time
student): $2,500. NOTE: If you are electing an amount above the Guaranteed Issue amount of $100,000 for an em-
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ployee or $50,000 for your spouse, you MUST complete an Statement of Health form within 5 days of submitting your completed enrollment. Instructions for submitting your completed Statement of Health are included on the form. EMPLOYEES ENROLLING AFTER INITIAL ELIGIBILITY AT TIME OF HIRE (LATE ENTRANTS) or EMPLOYEES REQUESTING TO INCREASE COVERAGE: Any amount of coverage elected requires a Statement of Health. You MUST complete a Statement of Health within 5 days of submitting your completed enrollment. Return instructions are included on the form.
Employee Rate Sheet Use this sheet for your per-paycheck benefit costs for the upcoming plan year. This is a great place to start planning for your, and your family’s, health and wellness for next year.
MEDICAL PLANS
DENTAL PLAN
VISION PLAN
All prices are per payday based on 26 pays.
EMPLOYEE ONLY EMPLOYEE & SPOUSE EMPLOYEE & CHILDREN EMPLOYEE & FAMILY
PPO 80 / 500
PPO 80 / 1000
HSA 100 / 3500
$28.07 $196.19 $154.16 $336.30
$25.62 $179.04 $140.69 $306.90
$20.72 $144.74 $113.74 $248.10
$1.30 $7.80 $12.03 $18.20
$0 $0 $0 $0
Voluntary Supplemental Life / AD&D rates and enrollment forms were provided to you separately.
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Employee Assistance Program Arizona Technology Council Your EAP is a confidential & professional resource-available 24/7-paid for byyour company and available to you and eligible dependents without cost. Benefits include:
COUNSELING ASSESSMENTS Up to 3 in-person meetings with a counselor.
For support: 1-866-607-4535
LEGAL SERVICES
wellspringeap.org | username: AZTC
Free initial 30-minute phone consultation; ongoing consultations with a lawyer at 25% off attorney’s regular fees; unlimited access to do-it-yourself legal documents online.
A service provided by
FINANCIAL SERVICES Free initial 30-minute phone consultation, and access to financial calculators and resource documents.
ID THEFT VICTIM RESOURCES Free initial 60-minute phone consultation, ID theft response kit, and prevention information.
DAILY LIVING INFORMATION SERVICES Unlimited phone or live chat consultations/requests for finding consumer services and resources.
CHILDCARE & PARENTING RESOURCES Unlimited phone or live chat consultations
OLDER ADULT & ELDERCARE RESOURCES Unlimited phone or live chat consultations
WEBSITE ACCESS Unlimited access to online resources including: ■ Live Chat with a resource consultant (for Child-
care, Eldercare & Daily Living) ■ Online referral request ■ Skill builders/online trainings ■ Well-being & productivity content ■ Monthly live & on-demand webinars ■ Search tools
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SUBSCRIPTIONS Monthly emails featuring the webinar of the month, spotlight on an EAP benefit, and a feature article on well-being or productivity, with direct links to the website.
WELLSPRING STRESS CENTER™ Unlimited access to an online stress management and prevention center, including instant relief tools and longterm solutions.
IN-THE-MOMENT SUPPORT 24/7 access to a professional, masterslevel therapist who will help you manage your distress, create a plan of action, & provide resources (which may include referrals for further services).
Important Phone Numbers Blue Cross Blue Shield of Arizona Medical / Dental 602.864.4400 www.azblue.com
Chris O’Neal Arizona Technology Council 602.422.9463 ext. 2505 coneal@aztechcouncil.org
BlueCare Anywhere Telehealth www.BlueCareAnywhereAZ.com or Download the BlueCare Anywhere app
Vanessa Thompson SciTech Institute 619.988.7673 vthompson@scitechinstitute.org
MetLife Basic Life and Supplemental Life Insurance w/AD&D 800.275.4638 www.metlife.com
Wellspring EAP Employee Assistance Program 866.607.4535 www.wellspringeap.org Username: AZTC
VSP Vision 800.877.7195 www.vsp.com www.eyeconic.com to use your VSP benefit for glasses or contacts online
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About this booklet This booklet highlights important features of Arizona Technology Council’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Capital Financial 14614 N. Kierland Blvd., Suite N230, Scottsdale, AZ 85254 Office / 480.347.0926 Fax / 480.360.6417