Welcome To Your
Virtual Benefits Hub
This Virtual Benefits Hub was designed to be an interactive, centralized resource for you and your dependents to visit both
during open enrollment and throughout the year.
This page will serve as your go-to resource for benefits-related questions. You’ll be able to access enrollment information,
important benefit documents and different tools to help you understand your benefit offerings.
United Local Schools 2026 Benefits
To Our Employees:
To Our Employees:
Highlights of the benefit plans include:
- Medical - MHS
- Dental - Delta
- Vision - VSP
- Basic Life - Guardian
- Voluntary Life - Guardian
- HRA - ABG
To help you gain that strong understanding, please read this virtual benefits guide carefully and consult the Treasurer's Office with any questions.
Thank you for all that you do for us!
How to Enroll - BenXpress
All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.
- Accessible 24/7
- View all benefit plan options and your elections
- View important carrier forms and links
- Report a qualifying life event
- Make changes to beneficiary designations and more
To enroll in benefits through your employer, you must log in to BenXpress and make elections for you and your eligible dependents.
Helpful Tips To Consider Before You Enroll
Do you plan to enroll an eligible dependent(s)?
- If so, make sure to have their social security numbers and birthdates available. You cannot enroll your dependent(s) without this information.
Have you recently been married/divorced or had a baby?
- If so, remember to add or remove any dependent(s) and/or update your beneficiary designation.
Did any of your covered children reach their age limit for this year?
- If so, they may no longer be eligible for benefits, unless they meet specific criteria
Open Enrollment
Annual enrollment is your opportunity to learn about your benefits, review your current coverage and choose the best options for you and your family. Please review this virtual benefit guide to learn more about our benefits offerings.
This annual enrollment will be a "passive open enrollment", which means if you do not make your benefit elections you will remain in the same plan as your current benefits for this plan year.
Open Enrollment is the one time of year when you can update your elections without experiencing a Qualifying Life Event (QLE). The elections that you make will remain in place unless you notify the Treasurer's Office within 30 days of your QLE to be eligible to make new elections.
Eligibility & Qualifying Events
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
QUALIFYING EVENTS
You can, however, modify your elections under certain circumstances, called "Qualifying Events".
Ready to Enroll?
Complete your enrollment elections through BenXpress.
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What is a Qualifying Life Event?
What is a Qualifying Life Event?
When Does My Coverage Start?
If you are a New Hire, you are eligible to participate on your date of hire.
Open enrollment, your coverage is effective July 1.
What is a Qualifying Event?
- Marriage
- Divorce
- Birth/Adoption of a child
- Death of a spouse or other enrolled dependent
- Change in spouse’s benefits or employment status
- A dependent becomes eligible for Medicare or Medical
Who are my legal dependents?
- Your legal spouse
- Your children (up to age 26) including natural children, stepchildren, legally adopted children,
children placed for adoption, children for whom you serve as legal guardian
- Disabled dependent child(ren) of any age
Mutual Health Services (MHS)
United Local Schools offers a medical plan through MHS.
Mutual Heath Services | Customer Service (800) 367-3762
A PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room, and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
Utilizing In-Network providers will allow for the highest level of coverage. In-network providers agree to accept MHS's contract rate as the final charge and the member is not balanced billed.
Summary of Benefits and Coverage (SBC)
Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.
MHS Resources
My Health Plan: Access your Mutual Health Services information 24/7.
A secure website specifically for MHS members, My Health Plan makes it easy and convenient to manage your plan and your health online.
- Search for In-Network doctors, hospitals, and facilities. For example, a less expensive MRI location
- View your EOB (Explanation of benefits)
- View plan documents
- Members that are located outside of Ohio - Please visit the My Health Plan website to find a provider.
- and so much more!!
Mutual Health Services Mobile App
With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your ID Card. Download the app on the Apple Store or Google Play.
Disease Management Program
If you suffer from one of the conditions below, this program may be right for you:
- Asthma
- Heart Fairure
- COPD
- Diabetes
- Hypertension
Call (800) 861-4826 and select option 2 to learn more or enroll in the Disease Management Program.
Prescription Drug
TRADITIONAL DRUGS
TIER 1 (GENERIC) | Lowest copay: Most drugs in this category are generic drugs. Members pay the lowest copay for generics, making these drugs the most cost-effective option for treatment.
TIER 2 | Low copay: This category includes non-preferred and low-cost generic drugs
TIER 3 | Higher copay: This category includes preferred, brand-name drugs that don't yet have a generic equivalent. These drugs are more expensive than generics, and a higher copay.
TIER 4 | Highest copay: In this category are nonpreferred brand name drugs for which there is either a generic alternative or a more cost-effective preferred brand including most specialty medications. These drugs have the highest copay. Make sure to check for mail-order discounts that may be available.
Helpful Rx Cost Savings Tools & Tips:
MAIL ORDER - Many drugs are available in a 90-day supply, rather than the 30-day retail supply. Typically, you will pay less if you choose to get a mail-order 90-day supply.
Smart90 Walmart - All schools within the Portage Area Schools Consortium (PASC) participate in the Smart90 Standard program with Walmart for maintenance medications. A maintenance medication is any prescription you take consistently and long-term to keep a chronic condition under control. Maintenance medications are not for quick fixes like antibiotics for an infection; it’s for ongoing health needs. Contact RxBenefits Member Services at 800.334.8134 or customercare@RxBenefits.com for questions on participating pharmacies.
ImpaxRX
ImpaxRX is a prescription advocacy program that assists employees and their family members with the high cost of certain eligible medications. If the medications you or a family member are taking is identified as eligible under the Medication Under Management (MUM) program, an ImpaxRX advocate will reach out to you to confirm your enrollment in the program and obtain additional information needed to secure the medication at no cost.
Timely participation with ImpaxRX is encouraged to receive these programs for your high-cost medications. Please respond if ImpaxRX contacts you! This will allow them to work on your behalf to obtain your medication at no cost.
There is no cost to you to participate in this program, and there will be no copayments for eligible medications approved by the program. Additionally, by using the program, the cost of these medications is lowered under the PASC Health Plan which allows for savings to keep employee premium contributions to a minimum for all.
Please call ImpaxRX at 844-467-2979, option 1 with questions.
First Stop Health - Telehealth
A virtual visit lets you see and talk to a doctor from your mobile device or computer. When you use one of the provider groups in our virtual visit network, you have benefit coverage for certain non-emergency medical conditions. Costs must be paid by you at the time of the virtual visit and will apply toward your deductible and out-of-pocket maximum.
WHEN CAN I USE A VIRTUAL VISIT?
When you have a non-emergency condition and:
- your doctor is not available;
- you become ill while traveling;
- When you are considering visiting a hospital emergency room for a non-emergency health condition.
*Your covered children may also use Virtual Visits when a parent or legal guardian is present for the visit.
Examples of Non-Emergency Conditions:
- Bladder infection
- Seasonal flu
- Sinus
- Sore throat
- Stomach
- Rash
- Bronchitis
- Diarrhea
- Fever
- Pink eye
HOW DOES IT WORK?
The first time you use a Virtual Visits provider, you will need to set up an account with that Virtual Visits provider group. You will need to complete the patient registration process to gather medical history, pharmacy preference, primary care physician contact information, and insurance information.
Each time you have a virtual visit, you will be asked some brief medical questions, including questions about your current medical concern. If appropriate, you will then be connected using secure live audio and video technology to a doctor licensed to deliver care in the state you are in at the time of your visit. You and the doctor will discuss your medical issue, and, if appropriate, the doctor may write a prescription* for you.
Virtual Visits doctors use e-prescribing to submit prescriptions to the pharmacy of your choice. Costs for the virtual visit and prescription drugs are based on, and payable under, your medical and pharmacy benefit. They are not covered as part of your Virtual Visits benefit.
*Prescription services may not be available in all states.
To Claim Your Account:
- Download the First Stop Health App or head to firststophealth.com
- Select Claim my account
- Set up your account using the last 4 digits of your SSN
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Use First Stop Health Virtual Primary Care for:
- Urgent Care
- Preventive & Wellness
- Mental Health Care
- Health Management
- Referrals, Tests, and More
Top 10 Reasons to Call First Stop Health
- Sore Throat
- Cough
- Sinus Infection
- Urinary Tract Infection
- Skin Rash
- Eye Infection
- Ear Ache
- Upset Stomach
- Muscle/Joint Pain
- Medication Refill
Vitality
Whether you’d like to lose weight, become more active, improve your diet or simply maintain a healthy lifestyle, Vitality is right for you! It’s easy to get started. Before you know it, you’ll begin to make healthy choices a natural part of your everyday life and enjoy the benefits of a healthier lifestyle at work, at home and at play.
You must be enrolled on the medical plan in order to participate in the Vitality program.
Registration is easy
If you haven’t registered yet, go to the PowerofVitality.com and in the middle of your screen click on “First time logging in? Register now.”
1. Complete all the required (*) fields:
*First name
*Last name
*Date of birth
*Email address
*Employee ID
Please note: We encourage you to provide your email address. Our having your email address on file provides our Customer Care team with a way to communicate with you, if necessary, allows us to keep you informed about the program and different events and activities, and contributes to your successful Vitality experience.
2. Once we validate the data you provide, we will ask you to create a username and password.
3. Read and accept our Terms and Conditions.
4. Select and answer a security question.
Here are some of the key things that will help you get started.
Vitality Health Review (Health Assessment)
The Health Assessment is a brief, confidential questionnaire in which we ask you about your current health status, health results, activities, habits, nutrition, lifestyle and work and home lives. Doing so helps us to better understand where you are doing well and where you may need some help. We encourage you to take the VHR as soon as possible once you join the program.
Vitality Age
From your responses in the Health Assessment, we are able to calculate your Vitality Age®: a health risk-related age based on your lifestyle behaviors and clinical measures. It presents health risks as years “lost” or “gained” compared to your chronological age. Your Vitality Age is intended to inform and motivate you.
Points Planner
Throughout your journey toward better health as you complete healthy activities, you will earn Vitality Points. As you increase the number of points you’ve earned you can increase your Vitality Status®. The Points Planner – located on the PowerofVitality.com – offers a variety of points-earning activities in various categories. Select a category that interests you and review the activities available in it. You can choose any activity and “Act Now,” or you can add it to your Personal Pathway by selecting “Add to Pathway” and do it later. You may also use the Quick Points Planner if you’re looking for suggestions on how to get started. Choose the Vitality Status you’d like to achieve, answer a few questions and we’ll show you activities in which you can engage to get there.
Dental
Delta Dental Customer Service (800) 524-0149
Dental Benefits through Delta Dental provide comprehensive coverage to help you and your family maintain good dental health. Your coverage will be greater when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
NETWORK: Delta Dental PPO & Delta Dental Premier
How do I find an In-Network Provider? Use the helpful link below!
- In-Network providers can also be found by visiting your provider’s website below where you can search by location, provider/facility name, or search by specialty.
Did You Know?
- You have the freedom to select the dentist of your choice; however, when you visit a participating in-network dentist, you will have lower out-of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf.
Pre-treatment Estimate
- If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.
Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
Looking for more details about how items are covered? Click on the link below to view the formal plan summary.
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Summary of Benefits and Coverage
Looking for more details about how items are covered? Please refer to the formal Summary of Benefits below.
Vision
VSP Customer Service (800) 877-7195
PASC offers vision coverage through VSP 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. Please note: Members may choose between prescription glasses (lenses and frame) and contact lenses, not both.
Did You Know?
Eyes can give doctors a clear picture of overall wellness. That’s why vision care—and vision benefits—can help employees stay healthy. A comprehensive eye exam can detect early signs of serious health problems, such as:
- Diabetes
- Heart disease
- High blood pressure
- High cholesterol
- Glaucoma and cataracts
To find out if your provider is in-network, please visit the website below.
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Summary of Benefits and Coverage
Looking for more details about how items are covered? Please refer to the formal Summary of Benefits below.
Overview of Life
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. Accidental Death & Dismemberment (AD&D) insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.
United Local Schools provides you with an Employer Paid Basic Life Insurance with Accidental Death & Dismemberment, as well as the ability to purchase additional Voluntary Life/AD&D.
Voluntary - Employee Paid Life
Coverage is also available for your spouse and/or child dependents, but only after you've elected coverage for yourself. A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term 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 employee coverage, this will be in addition to your employer-provided Basic Life coverage. Review the full benefit summary below for additional details.
Employee: $1,000 increments to a maximum of $300,000 ($150,000 GI)
Spouse: choose an amount of $5,000; $10,000; $15,000 or $20,000
Children: choose an amount of $2,500; $5,000; $7,500 or $10,000
*Guaranteed Issue (GI) and Evidence of Insurability (EOI)
When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).
Any amount elected over the GI will require EOI. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and send it to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
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Life/AD&D
Life/AD&D
Beneficiary Designation
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 the birth of a child.
Primary Beneficiary(ies) receive your life insurance benefits in the event of your death. Contingent Beneficiary(ies) receive your life insurance benefits if the primary beneficiary(ies) cannot. You can change your beneficiaries at any time.
Please make sure your beneficiary designations are up to date within BenXpress.
Guardian EAP
Employees have access to an Employee Assistance Program (EAP) that is provided at no cost through Guardian.
EAP Overview
- Provided through the ComPsych Program that provides consultation for relationship issues, stress, coping with change, grief and loss, family and marital issues, adjustment disorder, depression, anxiety, addiction and domestic violence
- In-Person sessions that includes up to 3 face-to-face sessions with a local counselor.
- Live, 24/7 access to a master’s level consultant.
- Family care, stress, depression and/or addiction
- Assists in locating childcare and elder care services.
NO COST TO YOU AND COMPLETELY CONFIDENTIAL!
App: GuidanceNowSM
Organization web ID: Guardian
Note: First-time users will need to register with the group name Portage Area School Consortium or group number 496324
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Well-being Hub
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. 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 the 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.
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What is Preventive Care?
What is Preventive Care?
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Benefit Terms Explained
Benefit Terms Explained
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How to Read An Explanation of Benefits (EOB)
How to Read An Explanation of Benefits (EOB)
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What is Balance Billing?
What is Balance Billing?
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What is a Qualifying Event?
What is a Qualifying Event?
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Primary Care vs. Urgent Care vs. ER
Primary Care vs. Urgent Care vs. ER
Questions?
As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.
This is a high-level guide to certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment, or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, Federal law gives you more choices about your prescription drug coverage.
Client Contacts
Loretta McLaughlin
loretta.mclaughlin@eaglepride.net
330-223-1521
Melissa Baker
melissa.baker@eaglepride.net
(330) 223-1521