$2,000 / $6,000
Annual Deductible
$5,000 / $12,500
Out-of-Pocket Maximum
$25 copay
Primary Care/Office Visit
$50 copay
Specialist Visit
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$2,000 / $6,000
Annual Deductible
$5,000 / $12,500
Out-of-Pocket Maximum
$25 copay
Primary Care/Office Visit
$50 copay
Specialist Visit
FSA-Powered PPO
APCN+
Network
A straightforward plan offering access to the APCN+ network, this option includes predictable copays and comprehensive in-network coverage for essential care.
Use a Flexible Spending Account (FSA) to cover eligible out-of-pocket costs and plan ahead for medical expenses.
Generic: $15/$30
Preferred: $45/$90
Non-Preferred: 50% up to $200/$400
Specialty: 50% up to $250
$750 / $2,250
Annual Deductible
$4,000 / $8,000
Out-of-Pocket Maximum
$15 copay
Primary Care/Office Visit
$40 copay
Specialist Visit
Higher monthly premium, with flexibility to see providers in two different networks.
APCN+ (Maximum Savings)
Network
With lower deductibles and copays, this plan helps maximize savings while maintaining access to Aetna’s expansive APCN+ provider network.
This plan is ideal for individuals or families who expect regular doctor visits and prescriptions.
Generic: $15/$30
Preferred: $45/$90
Non-Preferred: 50% up to $200/$400
Specialty: 50% up to $250
$2,250 / $6,750
Annual Deductible
$8,000 / $16,000
Out-of-Pocket Maximum
$30 copay
Primary Care/Office Visit
$80 copay
Specialist Visit
Higher monthly premium, with flexibility to see providers in two different networks.
Aetna Select-Open Access Standard Savings
Network
Offers wider network access with moderate out-of-pocket costs, balancing premium affordability with broad in-network coverage.
Supports a range of medical needs with FSA eligibility to help manage your health spending effectively.
Generic: $15/$30
Preferred: $45/$90
Non-Preferred: 50% up to $200/$400
Specialty: 50% up to $250
Annual Deductible
Out-of-Pocket Maximum
$30 copay; 3 visits/year
Primary Care/Office Visit
Specialist Visit
Fixed Indemnity Coverage
Network
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized.
You're still responsible for paying the cost of your care.
Looking for comprehensive health insurance?
Questions about this policy?
Tier 1: $0
Tier 2: $10
Tier 3: $25
Tier 4: $50
Non-Formulary: Avg. 67% discount
Included with Aetna Medical Plans
$50 (Individual) / $150 (Family)
Annual Deductible
$1,000 per covered person
Calendar Year Maximum
You pay 30% after deductible
Basic Services
Not covered
Orthodontic Services
Traditional PPO option
PPO dental coverage that includes preventive and basic services.
Best for those who want low-cost routine care and basic treatment coverage.
$50 (Individual) / $150 (Family)
Annual Deductible
$1,500 per covered person
Calendar Year Maximum
You pay 20% after deductible
Basic Services
You pay 50% (Up to age 20)
Orthodontic Services
Expanded PPO coverage with ortho
Higher annual maximum and orthodontic benefits make this a more comprehensive option.
Great choice for families or those who expect dental work beyond routine care.
None
Annual Deductible
None
Calendar Year Maximum
Based on copay schedule
Basic Services
Based on copay schedule (Up to age 20)
Orthodontic Services
No deductible or annual maximum
Offers predictable costs for dental care through a fixed copay schedule.
No deductible or annual maximum. Ideal for those who prefer flat-rate pricing.
No copay (Plus); $10 copay (General)
Eye Exam Copay
See copay schedule
Lenses
$155 allowance + 20% off balance
Frames
Up to $130 allowance
Contacts
Plus & General Network Coverage
Covers routine vision care with Plus and General Network providers.
Includes exam, lenses, frames, and contact allowances.
No copay
Eye Exam Copay
See copay schedule
Lenses
$250 allowance + 20% off balance
Frames
Up to $200 allowance
Contacts
Expanded In-Network Vision Benefits
Offers a higher frame and contact allowance with no exam copay.
Great option for those who expect to use enhanced vision benefits.
Stretch your dollars on everyday medical expenses.
Pre-tax savings for daycare, after-school care & more.
Save on your ride to work: bus, train, or parking.
Core coverage your family can count on.
Income protection for life's temporary detours.
Support when recovery takes longer than expected.
Extra protection for what matters most.
Income protection for temporary disabilities or medical leave.
Life insurance coverage that builds cash value and lasts into retirement.
Get cash support when the unexpected hits.
Income replacement if you're unable to work for an extended period.
A financial cushion during life’s biggest curveballs.
Cash benefits for hospital stays and recovery.
Affordable help with life’s legal moments.
Shield your identity. Stay secure.
Expert Second Opinions
24/7 Text-Based Doctor Access
Reversal of Diabetes & Obesity
Support for Quitting Tobacco
Family Support & Parenting Guidance
24/7 Counseling and Life Assistance
Whole-Person Wellness Platform
Save on Tuition
Employee Recognition Platform
Exclusive Brand Deals
Pet Health Coverage
Extra Benefits at LCG
Pursue Academic Goals
Plan administered by Principal
The person(s) you choose to receive certain benefits (like life insurance or 401(k) funds) if you pass away.
A flat dollar amount you pay when you receive certain healthcare services, such as a doctor visit or prescription.
The amount you pay out of pocket for healthcare before your insurance starts to share costs.
A free and confidential program that provides support for personal, family, and work-related issues — such as counseling, legal or financial advice, and other life resources.
A statement from your insurance company showing what was paid for a healthcare service, what you may owe, and what the provider billed. An EOB is not a bill.
Tax-advantaged accounts you can use to pay for healthcare expenses. Healthcare FSA is used toward medical, dental, vision, etc expenses, while Dependent Care FSA is used for childcare costs. Funds contributed to these plans that are not used are forfeited.
Healthcare providers and facilities that contract with your insurance plan — using them typically costs you less.
The most you’ll pay in a plan year for covered services. After you reach this limit, your plan pays 100% of covered costs.
The amount you pay (usually through payroll deductions) to have coverage under an insurance plan.
Routine care — like checkups, screenings, and vaccines — designed to help you stay healthy. Covered at 100% in-network on most plans.
A life change — like marriage, birth of a child, or loss of other coverage — that allows you to update your benefits outside of the annual enrollment period.
Optional extras you can elect (often at a group rate), like accident insurance, legal services, identity theft protection, or pet insurance.
Voluntary Life and AD&D
Supplemental Life Benefits Summary Class 3Supplemental Life Benefits Summary Class 3Voluntary Life and AD&D
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LaPetite Academy, Inc. BHS Supplemental Life Class 1-2LaPetite Academy, Inc. BHS Supplemental Life Class 1-2Voluntary Life and AD&D
LaPetite Academy, Inc. BHS Supplemental Life Class 3LaPetite Academy, Inc. BHS Supplemental Life Class 3Identity Theft
2025 Essentials & Platinum Plus Feature Summary2025 Essentials & Platinum Plus Feature SummaryIdentity Theft
2025 Essentials Platinum Plus Family IDW Benefit Summary2025 Essentials Platinum Plus Family IDW Benefit SummaryShort-Term Salary Continuance
STD 26 Weeks (Non-CA and Non-NJ Residents)STD 26 Weeks (Non-CA and Non-NJ Residents)Short-Term Salary Continuance
STD 26 Weeks (CA and NJ Residents)STD 26 Weeks (CA and NJ Residents)Short-Term Salary Continuance
STD 13 Weeks (Non-CA and Non-NJ Residents)STD 13 Weeks (Non-CA and Non-NJ Residents)Short-Term Salary Continuance
STD 13 Weeks (CA and NJ Residents)STD 13 Weeks (CA and NJ Residents)Long-term Disability
LTD 2-Year Benefit After 90 Days DisabledLTD 2-Year Benefit After 90 Days DisabledLong-term Disability
LTD 5-Year Benefit After 180 Days DisabledLTD 5-Year Benefit After 180 Days DisabledLong-term Disability
LTD 5-Year Benefit After 90 Days DisabledLTD 5-Year Benefit After 90 Days DisabledLong-term Disability
LTD 2-Year Benefit After 180 Days DisabledLTD 2-Year Benefit After 180 Days DisabledShort-Term Salary Continuance
STD DisabilityFlex (Non-CA Residents)STD DisabilityFlex (Non-CA Residents)Short-Term Salary Continuance
STD DisabilityFlex (CA Residents)STD DisabilityFlex (CA Residents)LifeTime Benefit Term Life
Chubb Lifetime Benefit Term CertificateChubb Lifetime Benefit Term CertificateLegal Plan
Aura Identity Restoration Services OverviewAura Identity Restoration Services OverviewBasic Life and AD&D
LaPetite Academy, Inc. BHS Basic Life Class 3LaPetite Academy, Inc. BHS Basic Life Class 3Basic Life and AD&D
Benefit Summary Basic AD&D Class 2Benefit Summary Basic AD&D Class 2Basic Life and AD&D
Benefit Summary Basic AD&D Class 3Benefit Summary Basic AD&D Class 3Basic Life and AD&D
LaPetite Academy, Inc. BHS Basic Life Class 1LaPetite Academy, Inc. BHS Basic Life Class 1Basic Life and AD&D
LaPetite Academy, Inc. BHS Basic Life Class 2LaPetite Academy, Inc. BHS Basic Life Class 2Basic Life and AD&D
Benefit Summary Basic AD&D Class 1Benefit Summary Basic AD&D Class 1Perks and Programs
2025 EyeMed Special Offers Member Flyer2025 EyeMed Special Offers Member FlyerTobacco Cessation
Affidavit of No Tobacco Use Affidavit RevisedAffidavit of No Tobacco Use Affidavit RevisedEducation
Dependent Care and Healthcare FSA Benefits SummaryDependent Care and Healthcare FSA Benefits SummaryEducation
Dependent Care and Healthcare Quick Reimbursement GuideDependent Care and Healthcare Quick Reimbursement GuideCommuter Benefit
Commuter Benefits ReimbursementCommuter Benefits ReimbursementPreventive Drug Guidelines
Health Care Reform Preventive Drug Coverage GuidelinesHealth Care Reform Preventive Drug Coverage GuidelinesChildcare Discount Program
Employee Childcare Discount Program FY24Employee Childcare Discount Program FY24Childcare Discount Program
MU Employee Childcare Discount Program FY24MU Employee Childcare Discount Program FY24Tuition Reimbursement
College and University PartnershipsCollege and University PartnershipsChildcare Discount Program
Employee Grandparent Childcare Discount Program FY24 (1/1/2024)Employee Grandparent Childcare Discount Program FY24 (1/1/2024)Guidance Resources (EAP)
Counseling Services Brochure (Ability Assist)Counseling Services Brochure (Ability Assist)Limited Medical
MEC Summary of Benefits and Coverage (2025)MEC Summary of Benefits and Coverage (2025)Limited Medical
Employee Health and Welfare Summary Plan DescriptionEmployee Health and Welfare Summary Plan DescriptionGeneral Documents (Medical, Dental, Vision, etc.)
Concierge Member BrochureConcierge Member BrochureGeneral Documents (Medical, Dental, Vision, etc.)
Aetna App and Website OverviewAetna App and Website OverviewGeneral Documents (Medical, Dental, Vision, etc.)
APCN Plus Multi-Tier PlanAPCN Plus Multi-Tier PlanGeneral Documents (Medical, Dental, Vision, etc.)
Transform Oncology BrochureTransform Oncology BrochureGeneral Documents (Medical, Dental, Vision, etc.)
CirrusMD Preventive CareCirrusMD Preventive CareGeneral Documents (Medical, Dental, Vision, etc.)
MinuteClinic Member BrochureMinuteClinic Member BrochureGeneral Documents (Medical, Dental, Vision, etc.)
Preventive Health Services BrochurePreventive Health Services Brochure401(k) Matching Program
401(k) Summary Plan Description401(k) Summary Plan DescriptionSummary of Benefits and Coverage (SBC)
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National Children' Dental Health MonthNational Children' Dental Health Month
