WELCOME
Helping you and your family reach and maintain good health is very important to AVA. AVA is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
AVA remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.
Please review your 2026 AVA Open Enrollment materials for more information regarding your plan's offerings.
ENROLLMENT
All regular employees working at least 30 hours per week are eligible to participate in the benefit plans offered by AVA. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children. Children eligibility is as follows -
- Medical, Dental & Vision: End of the calendar year in which the child turns 26
- Voluntary Life: Age 19, or 25 if full time student
- Spousal Exclusion: Advanced Vehicle Assemblies medical plan restricts access to spouses of employees that are eligible to enroll in medical coverage through their own employers. Keep in mind that if your spouse loses coverage due to a qualifying event such as separation of employment or layoff, he or she can immediately elect coverage under the Advanced Vehicle Assemblies medical plan. Spouses will continue to be eligible for all other benefits
THIS IS AN ACTIVE NEW HIRE ENROLLMENT!
If you do not make active enrollments in ADP, you will not have benefits coverage.
ENROLLMENT INSTRUCTIONS:
- Go to https://workforcenow.adp.com
- Enter your User ID
- Enter your Password
- Follow instructions and enroll in your benefits
- Make sure to save your elections and print your confirmation statement.
The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Life Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Contact Human Resources if you have questions about Qualifying Life Events.
MEDICAL/RX
BCBSM Medical/Rx
BCBSM will continue to be the medical and prescription carrier next year. You may view participating providers at the link below or consult with your existing providers.
VIRTUAL CARE
AVA provides those employees who are covered by one of the BCBSM medical plans access to virtual care with Teladoc Health. Teladoc Health provides members the opportunity to receive medical and mental health care from the comfort of your own home.
All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health.
Virtual Care:
Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7. Average wait time is 10 minutes. Prescriptions can be called in to your preferred pharmacy if needed.
Virtual Primary Care: Available to PPO Plan Members Only
See your PCP virtually, from the convenience and comfort of your home. You will receive, at no cost to you, a digital blood pressure monitor before your first visit. Appointments are available from 7 a.m. to 6 p.m. Monday through Friday, and 8 a.m. to 12 p.m. on Saturday.
Member Advantages
- <7-day average wait time to see a PCP
- Eliminating transportation costs and travel time
- Build a relationship and receive quality care; average length of a new patient visit is 54 minutes
- Manage their chronic conditions; 46% of follow up visits were for identified chronic conditions
- Address their whole health needs; 20% of visits resulted in a referral to an in-network care provider and 53% used at least one other Teladoc service
Virtual Mental Health Services:
Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Appointments are available from 7 a.m. to 9 p.m., seven days a week. Therapy is available for members ages 13 and up. Psychiatry is available for members ages 18 and up.
Condition Management:
A resource for those with hypertension, prediabetes, or diabetes. Some may qualify for a glucose monitor or scale, at no cost. See flyers for details.
myStrength:
A resiliency and behavioral health resources available to you for health needs including; depression, anxiety, substance abuse, chronic pain, and much more.
BCBSM PROGRAMS & PERKS
The following programs are available to all BSBCM members.
Blue 365, is a discounts and rewards program offered to all BCBSM members, see link below to take advantage of virtual fitness classes, healthy food, and much more!
Also, check out PPO Rewards. Only available to the PPO plan.
Iris Cancer is difficult to navigate, emotionally and physically. That’s why we’re working with OncoHealth® to introduce Cancer Support, a navigational program through OncoHealth’s virtual platform, Iris. Cancer Support is part of your health plan at no cost for you and your employees.
Maven, for maternity or menopause support, please see the Maven Flyers. Available to you and your spouse at no cost.
Sempre Rx This discount program focuses on certain drugs treating common chronic conditions where following doctors’ orders can improve your health and prevent serious complications.
You may be contacted by BCBSM via phone or mail to sign up for PillarRx, it's important you don't ignore these calls or letters. The team will only contact you when a drug you're taking is now under a 'co-pay assistance program' called PillarRx. If you don't register for PillarRx, which is free to do, you will be asked to pay a much higher copay than you are used to.
Tobacco Coaching Quitting tobacco is difficult. BCBSM has a program to help you through this journey.
AbleTo Virtual appointments with a licensed therapist who will guide you through a personalized 8-week program over phone or video to teach you skills and tools you can use to enjoy more of life.
HSA
HealthEquity
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA, you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
- Covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You have not received VA benefits in the past 90 days
2026 HSA IRS Maximums are as follows:
$4,400 for a single contract
$8,750 for a two person or family
Additional $1,000 "Catch Up" contribution for those age 55+
HSA Reminders:
- Money in your HSA account earns tax-free interest.
- Any unused HSA funds roll over to the next year.
- You can spend your HSA dollars on eligible health care expenses or save and investment them for the future.
- You decide when and how to spend or save the money in your HSA. The money is yours forever. It doesn’t expire, and you can take it with you if you change jobs or switch to another high-deductible health plan.
- You can invest a portion of your HSA balance in mutual funds, stocks and bonds. Generally, this option is available when your balance reaches $2,000.
- You can use your HSA to save for retirement. At age 65, you can use the funds for any purpose without a penalty. The money you take out to pay for eligible health care expenses continues to be tax free. You also can take money out for other reasons without paying a penalty.
DENTAL
BCBSM/Blue Dental
AVA offers eligible employees a dental plan detailed below. For more information see attached Dental Summary. To find a PPO Dentist near you go to: www.mibluedentist.com and select ‘Blue Dental PPO’ or call 888.826.8152
VISION
BCBSM/VSP
AVA offers vision coverage through BCBSM which uses the VSP network to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. To find out if your provider is in-network, please visit the website below.
LIFE & DISABILITY
UNUM
AVA provides you with financial protection options for life, accidental death & dismemberment, short-term disability with UNUM.
Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. All eligible employees have Life/AD&D through AVA of 1x BAE up to $250,000, as well as the opportunity to enroll in Voluntary Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in the employee paid coverage, this will be in addition to your employer provided Life/AD&D coverage.
Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
Short-Term Disability
Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
VOLUNTARY BENEFITS
UNUM
Accident Insurance - How does it work?
Accident Insurance provides a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
Why is this coverage so valuable?
It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles. You’ll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You’ll be billed directly.
You: If you’re actively at work*
Your spouse: Can get coverage as long as you have purchased coverage for yourself.
Your children: Dependent children from birth until their 26th birthday, regardless of marital or student status.
For rates see attached summary or visit your ADP enrollment page.
Critical Illness Insurance - How does it work?
If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.
Why should I buy coverage now?
It’s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck.
Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home.
Who can get coverage?
You: Choose $10,000, $20,000 or $30,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.
Your spouse: Spouses can only get 50% of the employee coverage amount as long as you have purchased coverage for yourself.
Your children: Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome, spina bifida, type 1 diabetes, sickle cell anemia and congenital heart disease. The diagnosis must occur after the child’s coverage effective date.
Hospital Indemnity Insurance - How does it work?
Hospital insurance is designed to help provide financial protection for covered individuals by paying a benefit due to a hospitalization and in some cases, for treatment received for an accident or sickness, even if that treatment occurs outside the hospital. Employees can use the benefit to meet the
out-of-pocket expenses and extra bills that can occur. Lump sum benefits are paid directly to the employee based on the amount of coverage listed in the schedule of benefits.
For rates please see attached summaries or visit your ADP enrollment page.
EAP AND TRAVEL ASSISTANCE
Unum’s EAP services are available to all eligible partners and employees, their spouses or domestic partners, dependent children, parents and parents-in-law.
- Employee Assistance Plan (EAP) Your EAP is designed to help you lead a happier and more productive life at home and at work. Call for confidential access to a Licensed Professional Counselor* who can help you. A Licensed Professional Counselor can help you with: stress, depression, anxiety, relationship issues, divorce, anger, grief, loss, job stress, work conflicts, family and parenting problems and much more.
- Work/Life Balance You can also reach out to a specialist for help with balancing work and life issues. Just call and one of our Work/Life Specialists can answer your questions and help you find resources in your community. Ask our Work/Life Specialists about: childcare, elder care, financial services, debt management, credit report issues, identity theft, legal questions, reducing medical and dental bills, and much more.
EAP & Work/Life Balance Contact Info:
Phone support: 1-800-854-1446
Online support: unum.com/lifebalance
In-person: You can get up to three visits, available at no additional cost to you with a Licensed Professional Counselor. Your counselor may refer you to resources in your community for ongoing support.
Travel Assistance Program:
Whenever you travel 100 miles or more from home — to another country or just another city — be sure to pack your worldwide emergency travel assistance phone number. Travel assistance speaks your language, helping you locate hospitals, embassies and other “unexpected” travel destinations. Add the number to your cell phone contacts, so it’s always close at hand. Just one phone call connects you and your family to medical and other important services 24 hours a day.
Within the U.S. 1-800-872-1414
Outside the U.S. (U.S. access code) +609-986-1234
Via e-mail: medservices@assistamerica.com
WELLBEING
In today's fast-paced and interconnected world, where stress and mental health issues are on the rise, effective well-being plays a crucial role. At AVA, we recognize that a healthy, content workforce is not only more productive but also fosters a positive culture. We strive for a supportive and inclusive environment where we encourage and support improvement of physical, mental, emotional, and social well-being. Whether within a corporate setting, a community, or on a personal level, well-being focuses on fostering awareness, empathy, and support to create a healthier and more balanced workplace and environment for all. Prioritizing employee wellness and wellbeing is not just a policy but a reflection of our commitment to both the individual and collective success of team.
To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.
CARRIER CONTACTS
BCBSM PPO Plan Medical/Rx | 888.486.6201 | www.bcbsm.com
BCN POS Plan Medical/Rx | 800.662.6667 | www.bcbsm.com
HealthEquity HSA | 866.346.5800 | www.healthequity.com
BCBSM Dental | 888.826.8152 | www.mibluedentist.com
BCBSM Vision | 800.877.7195 | www.vsp.com
UNUM | 800.858.6483 | www.unum.com
EAP | 1-800-854-1446 | www.unum.com/lifebalance
Travel Assistance | Within the U.S. 1-800-872-1414 | Outside the U.S. (U.S. access code) +609-986-1234 | Via e-mail: medservices@assistamerica.com
Reasonable Alternative Standard
Notice of Availability of Reasonable Alternative Standard
Your health plan is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all employees. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact HR at jliinangi@avabuilt.com and we will work with you (and if you wish, with your doctor) to find a wellness program with the same reward that is right or you in light of your health status.