Your 2026 Vacationland FCU Benefits

Highlights of 2026 benefits:

  • Medical: remaining with Cigna with no plan changes

  • Dental: remaining with Cigna with no plan changes

  • Vision: remaining with Anthem with no plan changes

  • Basic and Voluntary Life: remaining with Reliance Standard with no plan changes

  • Short Term and Long-Term Disability: remaining with Reliance Standard with no plan changes

Open Enrollment 3/16-3/27

Annual enrollment is your opportunity to learn about the 2026 Benefits, review your current coverage, and choose the best options for you and your family. Please review this virtual benefit guide and attend our upcoming education session to learn more about our 2026 benefits offerings.

This annual enrollment will be an active open enrollment, which means you must make your benefit elections by Friday, March 27th if you wish to be enrolled in benefits for the 2026 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 until December 31 unless you notify HR within 30 days of your QLE to be eligible to make new elections.

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How to Enroll

All team members have access to our online benefits enrollment platform 24/7 where you can 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

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

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".

When Does My Coverage Start?

  • New Hire: Your coverage will be effective 1st of the month following your date of hire.

  • Open Enrollment: Coverage effective May 1, 2026

  • Qualifying Event: Benefit changes effective date of event

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 Medicaid

Who are my legal dependents?

  • Your legal spouse or domestic partner
  • 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

Medical & Prescription

Vacationland FCU offers three medical plans through Cigna.

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 Cigna's contract rate as the final charge and the member is not balanced billed.


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided below.


Medical Summary


Looking for more details about how items are covered? Please refer to the formal Summary of Benefits and Coverage (SBC) below.

OAP Plan 1

OAP Plan 1

OAP Plan 2

OAP Plan 2

OAP Plan 3

OAP Plan 3

Prescriptions

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 have 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.


GOOD Rx - There are many tools online that you can use to save on prescription costs. One is GoodRx.com, an online Rx database that allows you to find what pharmacy is the cheapest for your specific prescription. Additionally, you may be able to find a coupon that will greatly reduce your cost. It is important to remember that many of the coupons can only be used outside of your plan (which will not count towards your maximums).


ASK YOUR DOCTOR – Make sure to ask if there are cost-saving alternatives to the prescription they are providing. Many times, there are generic or different manufacturers that will save you money at the pharmacy.

Prescription Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the medical benefit summaries provided under the Medical & Prescription section above.

RX Summary

Cigna Services

Interested in the services Cigna has available? This section will review the different services you have at your fingertips through Cigna.

  1. Cigna Emotional Health
  2. Download myCigna Health App
  3. How to Find In-Network Doctors
  4. Cigna Case Management
Virtual Care Flyer

Virtual Care Flyer

Preventive Care Flyer

Preventive Care Flyer

Download myCigna Health App

Life can be busy and complicated. So we created a simple-to-use tool that can help make your life easier (and healthier) while you’re on the go. myCigna® helps you personalize, organize and access your important plan information on your phone or tablet.

Use the myCigna app to:

  • View, fax or email ID card information
  • Access virtual care directly from your phone or tablet
  • Manage and track claims
  • Find in-network doctors and compare cost and quality information
  • Review your coverage
  • Track your account balances and deductibles
  • Submit receipts for reimbursement from your Cigna HealthcareSM HRA and/or FSA
  • Order your prescriptions from Express Scripts® Pharmacy, a Cigna Healthcare company, and get home delivery, the ability to view your order history online and more
  • Compare prescription drug prices for retail and home delivery pharmacies***

How to Find In-Network Doctors

The Find Care tool brings together details about doctors in your plan’s network. You can customize your search by name, location, specialty, or procedure. You also can compare information such as costs, languages spoken, and office hours.* To make sure a care provider is in your plan’s network, view the doctor or facility profile.

When you need care right away, the emergency room (ER) might be the first place that comes to your mind. However, the ER may not be the best choice in every situation. You have options when you have a sudden need for care, and knowing what they are can help you save time and money — and feel better sooner.

How to find the care you need - instructions for employees who are already enrolled:

  • Go to www.cigna.com (click the link below) or download the myCigna Health App
  • Then, log in to:
    1. Find a doctor if you don’t have a PCP.
    2. Have a virtual visit with a doctor using the Sydney Health App
    3. Find a retail health clinic, urgent care center, or ER.

Choose the Find Care tab and follow the steps.

Cigna Case Management

Case management programs

Take advantage of our personal services to help you with your personal health needs. A Cigna Healthcare case manager, trained as a nurse, can work closely with you and your doctor to check on your progress. You can get help with conditions and illnesses, such as cancer and end-stage renal disease, as well as with neonatal care and pain management.

You also have access to My Health Assistant on myCigna.com to help you:

  • Control stress
  • Lose weight and eat better
  • Enjoy exercise
  • Quit tobacco
  • Manage diabetes, chronic obstructive pulmonary disease, asthma and other conditions

Dental

Dental Benefits through Cigna 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: Cigna DPPO

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.

Dental Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided above.

Dental Summary

Vision

Vacationland FCU offers vision coverage through Anthem 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.

NETWORK: Blue View Vision

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

Vision Summary


Below is a high-level overview of your plan options and in-network benefit information:


You can view more details of these plans by accessing the benefit summaries provided above.

Vision Benefit Summary

Basic Life and Voluntary 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.

Basic - Employer Paid - 2.5X annual salary up to a maximum of $400,000

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.

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: $25,000 increments up to $100,000 ($100,000 GI)

Spouse: $25,000. Not to exceed 50% of employee amount ($25,000 GI)

Children: $10,000 Benefit, one premium covers all of your eligible children. ($10,000 GI)

The portability provision allows you to continue Voluntary Term Life Insurance upon loss of eligibility or termination of employment in these situations:

  • Group policy discontinues the eligibility of a class of employees to which you belong
  • You retire
  • You are terminated or change jobs


This Policy will port into a Term policy.

You have 30 days from the loss of eligibility date to port your Voluntary Term Life.

Conversion allows you to convert your Voluntary Term Life Insurance to an individual life insurance policy in these situations:

  • Employment ends
  • You stop being a member of an eligible class of employees
  • Dependent loss of eligibility
  • The policy terminates


This policy will convert to a Permanent Whole Life policy.

You have 30 days from the loss of eligibility date to convert your Voluntary Term Life.

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.

Primary Beneficiary: Your primary beneficiary receives your benefits in the event of your death.

Contingent Beneficiary: Your contingent beneficiary receives your benefit, in the event that your primary beneficiary cannot.

*Please make sure your beneficiary information is up to date with your HR office*

*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.

Short Term & Long-Term Disability

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. Your coverage pays 66.67% of your income up to a maximum of $2,000.

STD Benefit Features

  • Benefit begins 1st day Accident/8th day Illness
  • Benefit equal to 66.67% of pay – the benefit is taxable income
  • Pre-existing condition limitations apply for the first 12 months
  • Benefit Duration: 13 weeks

Long Term Disability

Long Term Disability insurance can pay you a weekly benefit if you have a covered disability that keeps you from working. Long Term Disability insurance can replace part of your income while you recover. Your coverage pays 66.67% of your monthly income.

LTD Benefit Features

  • Benefit begins after a 180-day elimination period if remain disabled
  • Benefit equal to 66.67% of pay – the benefit is taxable income
  • Pre-existing condition limitations apply for the first 12 months

Reliance Standard Extras

Members have access to additional benefits as part of being a Reliance Standard member.

  • Employee Assistance
  • Bereavement Support
  • Travel Assistance
  • Identity Theft Protection
EAP Benefits Flyer

EAP Benefits Flyer

Bereavement Flyer

Bereavement Flyer

Travel Assistance Flyer

Travel Assistance Flyer

ID Theft Flyer

ID Theft Flyer

Employee Contributions

Pre-Tax Contributions

You share in the cost of your Medical, Dental, and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below.

After-Tax Contributions

If you choose to purchase Supplemental Life insurance and Optional AD&D insurance benefits for yourself or your dependents, your contributions will be taken out of your pay on an after-tax basis. You will be able to see the costs for these benefits in the enrollment system when you log in.

Medical Employee Contributions

Dental Employee Contributions

Vision Employee Contributions

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 the team.

To access the wellbeing newsletter, which includes resources, tips, recipes, and more, please select the button below.

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Required Annual Notices

Federal regulations require employers to provide certain notifications and disclosures to all eligible employees.

2026 Annual Compliance Notices

2026 Annual Compliance Notices

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.



HR Contacts

JM

Jill Mercer

jmercer@vlfcu.org

419-625-9025

MM

Michelle Markel

mmarkel@vlfcu.org

419-625-9025