Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 30 days of employment.

Summary of Benefits and Coverages

Aspire Living & Learning offers benefit eligible employees the choice between three medical plans – 2 copay plans and a high deductible health plan (HDHP). These plans offer varying levels of annual deductibles and out-of-pocket maximums so you can decide which plan best fits the needs of you and your family members. Employees who enroll in a medical plan are automatically enrolled in the Cigna vision plan at no additional cost.

The chart below is only a summary of the covered services. Out of network costs will vary.

If you are enrolled in the HDHP Bronze plan, you are eligible to open a Health Savings Account (HSA) through Cigna (see HSA tab).

Contributions & Rates

Below are the 2025 employee bi-weekly contributions for the medical plans.

Spousal Surcharge

Starting in 2025, a surcharge of $100 per pay period will be incurred for spouses who remain on Aspire’s plan if they have access to coverage elsewhere.

What if my spouse does not work or their employer does not offer medical coverage?

Then you will not pay a spousal surcharge. Only coverage offered by your spouse’s employer is considered in this determination.

What coverage is not a concern under this policy?

• Medicare
• VA/Military
• State exchange coverage

Is my spouse eligible for other Aspire coverage?

Yes, the only coverage this policy affects is the Cigna medical coverage.  Everything else that your spouse was eligible for before will still be available, without surcharge, regardless of their employment status (dental, voluntary life, etc.).

What if my spouse’s situation changes, will the rate be reconsidered?

Yes; if your spouse loses or gains coverage through another employer, please contact your HR Team.

Carrier Contact Information

Cigna: Medical Insurance

Customer Service: 800-244-6224
Website: https://my.cigna.com/web/public/guest

Click here for the Cigna Provider Directory

Please click here for the Cigna Drug List (Formulary)

For a list of the most up to date Preventive Drugs, please follow the instructions below:

1. Go www.cigna.com
2. Scroll down the I want to column
3. Click See prescription drug list
4. Click Drug Lists for Employer Plans
5. Under Preventive Drug Lists, choose  Preventive Generics and Preferred Brands Drug List (For Cigna Standard and Performance Drug Lists)

Telehealth Services

Employees can access telehealth services to treat minor medical conditions like colds, flus, sore throats, allergies and more. Cigna’s telehealth services allow employees to connect with a board-certified doctor via video or phone. Telehealth is included in both medical plans. Appointments have no copay for members. For more information or to register for telehealth services go to www.mdliveforcigna.com

Preventive Care

As we focus on helping employees maintain good health, we offer preventive care services covered at 100% with no deductibles, copays or coinsurance. Examples of preventive covered services include (but are not limited to): mammograms, colonoscopies, certain labs, immunizations, well-child care, and physicals for adults. For a more complete list of preventive care services, please contact Cigna Healthcare at 800-244-6224 or visit www.mycigna.com

Plan Documents

Transparency in Coverage

By clicking on the button below, you will be led to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Videos from Cigna

Additional Information

Eligibility

All employees enrolled in the medical plan.

Summary of Benefits and Coverages

Your Cigna vision plan is included at no extra cost to you with your Cigna medical plan.

Starting in 2025, your Cigna vision plan will be using the EyeMed network. The EyeMed network offers a wide range of choices for vision care providers.

In-Network Coverage Includes:

• One vision and eye health evaluation including but not limited to eye health examination, dilation, refraction, and prescription for glasses
• Stated allowance applied towards the in-network offered savings of 20% for purchased frame and lens options and up to 15% savings on the contact lens professional services (including fitting and evaluation) when you see a provider in the Cigna Vision EyeMed Network (excludes contact lens materials)

Vision Coverage Details

Carrier Contact Information

Cigna: Vision Insurance (EyeMed Network)

Customer Service: 888-353-2653

Website: https://my.cigna.com/web/public/guest

Please click here for the EyeMed Vision Providers Directory

To view the Cigna EyeMed provider network:

Visit cigna.com >

Find a Doctor >

Employer or School >

Additional Resources >

Cigna Vision Directory >

Cigna Vision Directory (Serviced by EyeMed)

Additional Information

Mental Health Resources

Employees can access a variety of virtual mental health resources through Cigna. These services are available with all three medical plans. The cost depends on the service or program you are utilizing.

Employee Assistance Program

An Employee Assistance Program (EAP) is offered to all Aspire employees and immediate family members through ACI Specialty Benefits. This is a completely confidential counseling program that covers issues such as marital and family concerns, depression, substance abuse, grief and loss, child or elder care referrals, legal consultations, financial assistance or other personal stressors.

You can contact the Employee Assistance Program (EAP) via phone at 855-775-4357 or online at www.rsli.acieap.com

Cigna Services

Virtual Counseling 

Talkspace

• Visit mycigna.com or talkspace.com/covered | Ages 13+
• The Talkspace app provides virtual access to licensed therapists via live video and private texting, plus psychiatrist services and additional resources.
• Copay/coinsurance and deductible apply. Services are submitted and coded as a claim, per occurrence. Text-based therapy is billed per 60 minutes, on average once per week.

Headspace (Formerly Ginger)

• Visit mycigna.com or https://organizations.headspace.com/connect | Ages 18+
• Headspace virtually connects members with a certified coach via texting and app-based programs to help them manage anxiety, depression and daily stressors 24/7/365. If needed, a coach can add a licensed therapist or psychiatrist to the care team within days.
• Copay/coinsurance and deductible apply. Member cost-share for coaching services; unlimited coaching is billed monthly, while other services are billed per occurrence.

Brightline

• Visit mycigna.com or www.brightline.com/benefits | Ages 18 months-17 years.
• Brightline is a national pediatric behavioral health provider that provides extraordinary support for kids, teens, and parents. Even better, it’s all delivered virtually, so you can get support when and where you need it. When you sign up for Brightline, you will immediately have access to care for kids 18 months–17 years old – and support for you, too.
• Copay/coinsurance and deductible apply. Member cost share for coaching services, unlimited coaching billed monthly, other services billed per occurrence.

Happify

• happify.com/cigna | Ages 18+
• The Happify app features science-based activities and games designed to help lessen symptoms of depression and change behavior.
• No cost

Iprevail

• Iprevail.com/cigna | Ages 13+ (with parental consent)
• iPrevail offers 24/7 access to digital peer coaching and peer support using cognitive behavioral therapy techniques, interactive video lessons and support communities.
• No cost

MDLive

• Visit mycigna.com or www.mdliveforcigna.com |Ages 10+
• MDLIVE allows users to talk to a therapist or psychiatrist via video only (for behavioral services). These providers can provide therapy, diagnose, treat and prescribe medications for many common mental health conditions during non-emergency situations. Users do not gain direct access to a provider; they need to schedule a day/time for their appointment.
• There is no cost if you are on the Copay Gold or Silver plan. There is no cost on the HDHP Bronze plan once you have met your deductible. Services are submitted & coded as a claim, per occurrence.

Cigna Services

Emotional Wellness

The stress impact on health can be significant, both physically and emotionally. Cigna offers tools and resources to help you recharge your mind, lower stress, and bounce back when life gets hectic.

• Learn to live life more fully in the moment through our Changing Lives by Integrating Mind and Body® (CLIMB) stress management podcasts.
• Veterans and their families (customers and non-customers) can call toll-free (855) 244-6211 – or visit our resource page for support 24/7/365 days a year.
• Access a variety of resources to help you assess and manage stress through our Managing Stress Toolkit.
• Explore helpful ways to manage your stress, balance your diet and accomplish other goals by accessing My Health Assistant under the Wellness tab on myCigna.
• Find a quality health care professional or facility in our Centers of Excellence (COEs) for Mental Health and Substance Use, and when needed, choose someone who can see you quickly through our Fast Access network.

Cigna Services

Mental Health

We can help you find support when you need it most. From inpatient and outpatient services to online tools and educational support – we’re here for you.

• Centers of Excellence (COEs) – We have a nationwide network of COEs which provide quality and affordable inpatient and residential care as well as partial hospitalization and intensive outpatient care, for mental health disorders.
• New modality options, such as private text messaging with providers like Talkspace, and behavioral health coaching via text-based chats with Headspace.
• Behavioral Awareness Series – Free monthly seminars on topics including autism, eating disorders, substance use, children and families.
• Find a provider – Find a health care professional or facility in our network geared towards your needs.
• Help Finding an Appointment – Our team will reach out to providers and help you find an appointment based on your schedule.

Cigna Services

Substance Use

If you or a loved one are struggling with substance use, it can affect everything. We’re here to help you on the road to recovery with inpatient and outpatient services, online tools, and educational support.

• Centers of Excellence (COEs) – We have a nationwide network of COEs which provide quality and affordable inpatient and residential care as well as partial hospitalization and intensive outpatient care, for substance use disorders.
• Virtual Medication – Assisted Treatment and peer recovery support available.
• New modality options, such as private text messaging with providers like
  Talkspace, and behavioral health coaching via text-based chats with Headspace.
• Behavioral Awareness Series – Find information to help understand risks, causes, and substance use support options – for you, or someone you know.
• Additional resources on opioids.
• Find a provider – Find a health care professional or facility in our network geared to your needs.
• Help Finding an Appointment – Our team will reach out to providers and help you find an appointment based on your schedule.

Contact Information

Cigna Behavioral Services

General Information on Behavioral Services: (800) 433-5768
Website: my.cigna.com

Employee Assistance Program: ACI Specialty Benefits:
Phone: 855-775-4357
Website: www.rsli.acieap.com

Telehealth Services

Employees can access telehealth services to treat minor medical conditions such as colds, flus, sore throats, allergies and more. Cigna’s Telehealth Connection allows employees to connect with a board-certified doctor via video or phone.

Telehealth is available with all three medical plans. Appointments have no employee cost if you are on the Copay Gold or Silver plans and no cost on the HDHP Bronze plan once you’ve met your deductible. Appointments can typically be scheduled within one hour or less. It is recommended that employees complete the telehealth registration process before services are needed to make scheduling an appointment quicker in the future.

For more information or register, please go to :

www.mdliveforcigna.com or call 888-726-3171

Help Center Contact Information

MD live for Cigna: Telehealth Benefit

Customer Service: 888-726-3171
Website: www.mdliveforcigna.com

Cigna’s Diabetes Prevention Program (Omada)

Cigna Diabetes Prevention Program in collaboration with Omada is a program to help you avoid the onset of diabetes, as well as health risks that might lead to heart disease or a stroke. The program is covered by your health plan at the preventive level, just like for your wellness visit. Program participants have access to a professional virtual health coach, an online support group, interactive lessons, and a smart-technology scale. The program will help you make small changes in your eating, activity, sleep, and stress to achieve healthy weight loss through a series of lessons and tools to help you maintain weight loss over time. You may also be offered the opportunity to join a gym for a low monthly fee and no enrollment fee.

There is no cost to the members who participate in this program and is highly recommended to members at risk for type 2 diabetes.

To see if you are eligible, take Omada’s 1-minute health screener by visiting: omadahealth.com/allinc

Help Center Contact Information

Omada for Cigna: Diabetes Prevention Program

Customer Service: 888-987-8337
Website: www.omadahealth.com/allinc

Eligibility

Only employees enrolled in the Bronze Health plan are eligible for a Health Savings Account (HSA).

Health Savings Account Information

A Health Savings Account or HSA is a tax-advantaged savings account owned by an individual that can be used to pay for qualified medical expenses for the owner and their dependents. An HSA, which must be paired with an HSA-qualified health plan (the HDHP Bronze Plan), allows employees to make pre-tax contributions into a federally insured account.

Starting in 2025, Aspire will contribute $200 per year to your HSA account, if elected.

• Aspire Living & Learning offers an employee funded Health Savings Account (HSA) in conjunction with the Bronze Plan. The HSA is administered by Cigna in conjunction with HSA Bank.
• Employees can make pre-tax contributions to an HSA if they are enrolled in the HDHP Bronze Plan.
• In 2025, the maximum HSA contribution limits are $4,300 (single) or $8,550 (two person/family). There is a $1,000 catch-up contribution for age 55+.
• HSA funds can be used to pay for qualified medical expenses and/or certain dental & vision expenses that are not covered by the medical plan.
• Funds in an HSA rollover from one year to the next and can be taken with you when employment ends.
• Visit www.mycigna.com to learn more about your medical plan, track claims & account balances, and manage your healthcare finances.

Carrier Contact Information

Cigna: Health Savings Account

Customer Service: 800-244-6224

Website: www.mycigna.com

Additional Information

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 30 days of employment.

Flexible Spending Accounts

Flexible Spending Accounts provide you with an important tax advantage that can help pay healthcare & dependent care expenses on a pre-tax basis. By anticipating health care & dependent care costs for the next year & setting aside money, employees can lower their taxable income. FSA and DCA accounts are administered by Cigna.

*The IRS will release 2025 FSA maximum contributions in late October 2024. If increases to the maximum contribution are announced, the benefit enrollment system will be updated to reflect the accurate maximum amount that employees can contribute to their FSA annually.

Medical Flexible Spending Account (FSA)

The 2024 maximum an employee can contribute to an FSA is $3,200 per calendar year.

This program allows employees to use pre-tax dollars for IRS-approved expenses such as medical deductibles, copayments/coinsurance, prescription copays, hearing aids, & dental services. All participants will be issued a debit card to pay for eligible expenses or a claim form may be submitted.

Dependent Care Account (DCA)

The maximum amount an employee can contribute to a DCA is $5,000 (for single or married filing jointly) or $2,500 (if married and filing separately).

A DCA allows employees to use pre-tax dollars to fund qualified dependent care such as daycare for children under age 13 or elder care.

Cigna FSA/DCA – Your Online Account

Employees can view and manage their FSA & DCA accounts via their existing accounts at www.mycigna.com.

Contributions

Made By Employees

Carrier Contact Information

Cigna: Flexible Spending Accounts

Customer Service: 800-244-6224

Website: www.mycigna.com

Additional Information

Aspire has entered into a partnership with Health-E Commerce, also known as the FSA/HSA Store. This gives you access to hundreds of products that have been pre-vetted & approved for use with your Flexible Spending or Health Savings Accounts.

Did you know you could use your FSA/HSA to save money on everyday health essentials like baby health items, health trackers, pain relief products and more?

Here are just a few benefits of using the FSA/HSA Store:

• No Receipts Needed
• 2,500+ FSA Eligible Products
• 100% Eligibility Guaranteed
• Skip the claims process when you use your FSA/HSA card

This partnership also allows access to their Caring Mill products. Caring Mill is a line of premium healthcare products that support a healthy lifestyle and on average is priced 30% less than branded equivalent products.

With every Caring Mill purchase, a donation is made to Children’s Health Fund, providing necessary treatments to thousands of children in need, throughout the United States.

Curious what your FSA dollars can cover? Simply enter the product you are looking for in the eligibility list below.

To access the FSA Store please visit: https://fsastore.com

To access the HSA Store please visit: https://hsastore.com

Additional Information

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following 30 days of employment.

Aspire Living & Learning offers benefit-eligible employees the option of choosing between two dental plans in 2025. Both Dental Plans feature no annual deductible. The Standard Dental Plan and the Premium Dental Plan offer varying levels of coinsurance, out of pocket maximums and employee premiums.

The chart below provides only a summary of the covered services.

Contributions & Rates

Below are the 2025 employee bi-weekly contributions for the dental plans.

Carrier Contact Information

Delta Dental: Dental Insurance
Customer Service: 800-832-5700
Website: www.nedelta.com

Please click here for the Northeast Delta Dental Provider Directory

Northeast Delta Dental HOW Program

Delta Dental’s Health through Oral Wellness (HOW) program works with your existing dental benefits to help you achieve and maintain better oral wellness. Members who are at risk for dental decay or periodontal disease can request a clinical risk assessment preformed by participating dental providers. based on the results of the risk assessment, you may qualify for extra preventive services (like cleanings) not normally covered under the dental plan.

To Get Started:

1. Register at: www.healththroughoralwellness.com
2. Take the free oral health risk assessment online (Click on “Free Assessment” in the “Know Your Score” section)
3. Bring your assessment results to your next scheduled dental visit and share with your dental provider. Your dentist will preform a clinical version of the assessment.

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 30 days of employment.

Summary of Benefits and Coverages

Aspire provides each benefit eligible employee with the core benefits of life insurance, and accidental death and dismemberment.

Below is an outline of the coverages available under each plan.

Group Basic Life and AD&D Insurance:

• 100% employer funded
• 2x earnings (rounding to the next higher $1,000), subject to a maximum of $500,000
• Coverage amounts reduce by 35% at age 70 and by 50% at age 75
• Your Basic AD&D coverage amount is equal to your Basic Life coverage amount

Supplemental Term Life Insurance:

• 100% employee funded
• Provides coverage that you can take with you (portable) if you terminate employment
• Employees may purchase coverage on themselves in increments of $10,000 to a maximum of $500,000
• Employees may purchase coverage on their spouse in increments of $5,000 to a maximum of $250,000 (not to exceed 100% of the employee amount)
• Employees may purchase from $2,000 to the maximum of $10,000 on their dependent children
• Benefit eligible employees may enroll during the initial eligibility waiting period and during open enrollment each year
• Employees may purchase up to $190,000 in supplemental term life insurance for themselves (or up to $25,000 for their dependent spouse) within the first 30 days of employment without having to complete a medical history statement (evidence of insurability form). If applying outside of the 30 days of employment, or for coverage in excess of the guarantee issue amounts, an evidence of insurability form will be required
• In order to purchase supplemental term life insurance for your spouse and/or child, you must purchase coverage on yourself.

Carrier Contact Information

Reliance Standard: Life, Optional Life & Disability Insurance
Customer Service: 800-351-7500
Website: www.reliancestandard.com

Contributions

Basic Life & AD&D is 100% paid for by Aspire Living & Learning.

Supplemental Life is 100% paid for by the employee. Premium costs are based on the amount of coverage approved and the age of the participant.

Forms & Plan Documents

Eligibility

Long-Term & Short Term Disability: All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 30 days of employment.

Summary of Benefits and Coverages

Long-Term Disability Insurance:

• 100% funded by Aspire.
• Benefit amount is 60% of covered monthly earnings to a maximum of $6,250 per month.
• Benefits begin 180 consecutive days of total disability.

Short-Term Disability Insurance:

• 100% funded by Aspire.
• Benefit amount is 50% of covered weekly earnings.
• Weekly benefit will be paid to you by your employer.
• Benefits will begin on the 8th consecutive day of disability.
• Benefits for one period of disability are paid up to a maximum of 25 weeks.

Carrier Contact Information

Reliance Standard: Life, Optional Life & Disability Insurance
Customer Service: 800-351-7500
Website: www.reliancestandard.com

Contributions

Both Short Term and Long Term Disability are 100% funded by Aspire.

Forms and Plan Documents

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following 30 days of employment.

Summary of Benefits and Coverages

Accident Insurance:

This benefit is voluntary and 100% Employee Funded.

Group Accident insurance is designed to help employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to the covered employee if they sustain a covered injury.

Examples of lump sum benefits payable include: $100 for ambulance (ground); $150 for emergency room treatment; $100 for diagnostic examination.

Coverage can be elected for an employee, spouse or child. Benefits are paid on a tax-free basis; employee premiums are deducted on a post-tax basis.

Employee Bi-Weekly Premiums:

• Employee Only = $4.73
• Employee & Spouse = $7.73
• Employee & Child(ren) = $9.81
• Employee & Family = $12.92

Critical Illness Insurance:

This benefit is voluntary and 100% Employee Funded.

Group Critical Illness provides a fixed, lump-sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis, and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care.

Employees can purchase from a minimum of $5,000 to a maximum of $20,000 in coverage on themselves and/or their spouse. Spouse coverage cannot exceed 100% of the approved employee amount. Employees can also purchase 25% of the approved employee amount to a maximum of $5,000 to cover their dependent children.

Guarantee issue amounts are $20,000 for the employee coverage and $20,000 for the spouse coverage. Any coverage requested in excess amounts will require the completion of an evidence of insurability form.

Benefits are paid on a tax-free basis; employee premiums are deducted on a post-tax basis. Rates are based on age at the date of issue.

Carrier Contact Information

Reliance Standard: Life, Optional Life & Disability Insurance
Customer Service: 800-351-7500
Website: www.reliancestandard.com

Contributions

Both Accident and Critical Illness Insurance are voluntary and 100% funded by the employee.

Forms and Plan Documents

The Richards Group has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether you plan to continue working or are transitioning to retirement, we tailor solutions designed around your needs. Our agents provide an unfiltered view of the entire range of options and prices available to you.

SmartConnect Contact Information

For more information or to get started, please click on the following link: https://gps.smartmatch.com/therichardsgroup

Additional Information

Recording of a SmartConnect Medicare Webinar

Eligibility

All employees are immediately eligible to participate in the Employee Assistance Program (EAP) offered by Aspire.

Program Details

An Employee Assistance Program (EAP) is offered to all Aspire employees and immediate family members through ACI Specialty Benefits. This is a completely confidential counseling program that covers issues such as marital and family concerns, depression, substance abuse, grief and loss, child or elder care referrals, legal consultations, financial assistance or other personal stressors.

You can contact the Employee Assistance Program (EAP) via phone at 855-775-4357 or online at www.rsli.acieap.com

EAP Contact Information

ACI Specialty Benefits: Employee Assistance Program
Phone#: 855-775-4357
Website: www.rsli.acieap.com

Forms and Plan Documents

Program Details

Starting in 2025, Aspire Living & Learning is partnering with JOON to provide Lifestyle Spending Accounts to help support your health and wellbeing. JOON reimburses you for a wide range of qualifying purchases, from fitness to routine car maintenance.

When you create a JOON account, you can connect your bank account or debit card to receive reimbursements on approved purchases.

Aspire offers two wellness benefit programs through JOON: Aspire Well & Aspire Medical Benefits Bonus.

Aspire Well

Aspire Well will reimburse you up to $20/month on the following qualifying expenses:

Health and Wellness

• Sporting & fitness equipment
• Gym memberships & fitness classes
• Therapy
• Non-medical sleep & wellness devices

Family Care

• Child & dependent/elder care
• Fertility & adoption

Pet Care

• Pet supplies & walking/sitting services
• Pet insurance & vet visits

Commuting & Metro

• Gas & parking
• Rideshare & public transportation
• Car maintenance

Food and Groceries

• Restaurants & meal kits
• Food delivery services

Aspire Medical Benefits Bonus

Aspire Medical Benefits Bonus (for medical plan participants only) will reimburse you up to $60/year on the following qualifying expenses:

• Sporting & fitness equipment
• Gym memberships & fitness classes
• Meditation Apps
• Wearables (e.g., FitBit)

Contact Information

JOON: Lifestyle Spending Accounts
Website: https://help.joon.io/

Additional Information