My Medical Benefits
WCMHS offers 3 medical plans to choose from:
- Copay Plan
- HSA Eligible (HDHP) Plan
- HRA Plan
Summary of Benefits
Contributions
Eligibility
Employees working a minimum of 30 hours per week are eligible to enroll on the first of the month following/coincident with one month of eligible employment.
Children are covered to age 26 (coverage expires the date the dependent turned 26).
Contact Information
www.cbabluevt.com
(888) 222-9206
Plan Documents
CBA Blue LIVE Telemedicine
CBA Blue LIVE provides members with convenient, quality medical consultations via telephone, secure video, and secure email. Health care professionals can evaluate and diagnose many common conditions and recommend treatment plans, including a prescription called into the pharmacy of choice. There are numerous benefits to telemedicine: immediate access to care, no time spent in a waiting room, no transportation time, less time away from work, and privacy assurance.
Additional Information
Pharmacy Documents
My Maternity Care Benefits
The Maternity Perks Program provides additional benefits to CBA Blue members during and after pregnancy. Additional benefits include reimbursement for:
• Car Seats: The Plan provides up to $150 for car seats purchased during pregnancy or up to three (3) months after delivery.
• Maternity Fitness Classes: The Plan provides up to $150 for maternity fitness classes
taken during pregnancy and up to three (3) months after delivery.
• Homemaker Services: The Plan provides up to $225 for homemaker services received
within the first three (3) months after delivery.
• Educational Classes: The Plan provides up to $125 for educational classes taken during pregnancy and up to three (3) months after delivery dealing with topics like childbirth, siblings, parenting, and CPR.
To receive your Maternity Perks Program benefits, the member must file a claim and a paid receipt within six (6) months following delivery. Claim forms are available at your Human Resources office or by visiting our website at www.cbabluevt.com.
My CancerCARE Benefits
How it Works for Employees:
The CancerCARE Program is an additional benefit, provided by your health plan, that focuses on helping members diagnosed with cancer. They are your cancer advocates and will strive to lead you and your dependents to survivorship!
- Day One Help: CancerCARE is available to help you from the day of your diagnosis and beyond. You can register for the program at any point in your cancer journey to gain access to CancerCARE’s resources and support.
- Personalized Care: Once you are part of the program, a dedicated nurse will be with you every step of the way. This nurse will be available to answer any questions you might have as well as receive ideal treatment.
- National Resources: Through CancerCARE, you will have access to some of the best doctors, hospitals, and technology nationwide. They will work with your local oncologist to make sure all treatment options are considered, not just local ones.
- Medical Expert Team: CancerCARE’s medical staff has decades of experience treating cancer and we pride ourselves on staying up-to-date with the latest cancer treatments and technology. Each medical staffer has unique cancer expertise and background.
Additional Information
My Health Reimbursement Account
Health Reimbursement Account (HRA)
WCMHS offers a Health Reimbursement Account attached to the HRA Medical Plan, administered by EBPA Benefits.
A Health Reimbursement Account (HRA) is money your employer sets aside to help you pay for qualified medical expenses. You do not contribute to your HRA account directly—WCMHS funds the account for you. This benefit is designed to lower your out-of-pocket costs and make your healthcare more affordable.
The HRA allows for reimbursement for deductible expenses incurred if you are enrolled in the HRA Plan. The funding amounts provided to the HRA by WCMHS will be made available on the first day of the plan year. The HRA pays the first $600 (single) and $1,200 (family) of qualified deductible expenses.
HRA dollars cannot be used to cover copays.
Excluding copays, the HRA provides first-dollar coverage for your health care services. Expenses are considered “incurred” when the service is performed. Your provider will be paid directly; you will not need to submit substantiation for claims. Only expenses incurred in the calendar plan year (January 1 through December 31) will be eligible for reimbursement from that year’s HRA.
Eligibility
All full-time employees who work at least thirty (30) hours per week and are enrolled in the HRA Medical Plan are eligible for coverage the first of the month following 1 month of employment.
My Flexible Spending and Dependent Care Account Benefits
Medical Flexible Spending Account (FSA)
FSA funds may be used for office visit copays, medical plan deductible, dental expenses, vision expenses, and prescription drug copays as well as any medical/prescription expenses covered under your health plan and any other IRS-eligible expenses.
(You can submit expenses for 2025 until March 31st, 2026. The last day to incur expenses is March 15th, 2026). The medical FSA cannot be used on the HSA Eligible (HDHP) Plan.
Medical FSA funds are available in full at the start of the plan year. You may roll over up to $680 from the previous calendar year to the current plan year. Any unused funds exceeding the rollover amount at the end of the plan year will be forfeited.
For 2026, you may contribute up to $3,400 on a pre-tax basis per calendar year to your Medical FSA account.
Please Note: Over the Counter (OTC) medications (Tylenol, Advil etc.) are not reimbursable through the FSA without a prescription. All claims for OTC medications, with a prescription, must be submitted manually. You will not be able to purchase these items with your card. You may still purchase Over the Counter supplies (Saline contact solution, bandages, etc.) without a prescription and you may use your card for these items.
Dependent Care Flexible Spending Account (DCA)
DCA funds may be used for eligible dependent care expenses (including care for children, elders, and disabled adults). DCA funds are available as they are deducted from pay. DCA funds not used in the plan year in which they were deducted from your pay are forfeited.
The 2026 DCA contribution limits are $7,500 for single individuals or married couples filing jointly and $3,750 for married individuals filing separately.
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 1 month of employment.
My Health Savings Account Benefits
Health Savings Account
An HSA is available with only the HSA Eligible (HDHP) Plan. For a list of qualified expenses please visit here.
Employees may make a maximum contribution of $4,400/$8,750 (depending on tier). If you are over the age of 55 you may make an additional contribution of $1,000. This is only if you enroll in the HSA Eligible (HDHP) Plan.
The HSA is owned by the employee. Existing accounts can be transferred to HealthEquity using these instructions.
Want to learn more? Check out: http://healthequity.com/learn/hsa
Take control of your health and grow your money. Discover how to use a Health Savings Account (HSA) to save on healthcare premiums and build long-term health savings.
Your HSA is like a second 401(k). It’s a powerful investment tool. Find out how to invest your HSA and build the ultimate retirement nest egg.
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 1 month of employment.
Forms & Other Plan Information
My FSA/HSA Store Benefits
The Richards Group 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/HSA 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
My Dental Benefits
WCMHS offers two comprehensive dental plans to employees through Northeast Delta Dental.
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 1 month of employment
Children are covered to age 26 (coverage expires the date the dependent turned 26).
Contact Information
http://www.nedelta.com/patients
1-800-832-5700
Use the link above to find a dentist in the PPO or Premier networks.
Plan Documents
Get the most out of your Delta Dental plan:
Delta Dental provides its members with a vision discount program through Eyemed. Enjoy savings just from being a Delta Dental member.
Health Through Oral Wellness (HOW)
A healthy mouth is part of a healthy life, and Northeast Delta Dental’s innovative Health through Oral Wellness program (HOW) works with your dental benefits to help you achieve and maintain better oral wellness. HOW is all about YOU because it’s based on your specific oral health risk and needs. Best of all, it’s secure and confidential. Here’s how to get started:
My Vision Benefits
WCMHS offers two vision plans to its employees. One plan is an in-network plan with VSP providers, and the other is an out-of-network Buy-Up option.
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 1 month of employment.
Children are covered to age 26 (coverage expires the date the dependent turns 26).
Contact Information
1-888-555-1212
Choose the “Signature” network when searching for a provider.
Plan Documents
Other Plan Information
Through VSP, you also receive hearing aid discounts.
Enjoy online shopping for frames through VSP’s Eyeconic program:
Accident Rider
The Agency provides employees with an accident policy that pays a certain benefit amount per injury; see certificate for specifics. This accident policy is automatically paired with your HSA Eligible (HDHP) Plan and is paid for by WCMHS. If you are not enrolled in the HSA Eligible (HDHP) Plan, you can enroll in accident coverage through payroll deductions.
Contributions
My Voluntary Hospital Indemnity Benefits
This coverage provides a range of lump-sum benefits based on your hospitalization. The benefits are paid directly to the insured and may be used for any purpose (healthcare or otherwise).
Contributions
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage. Coverage begins on the 1st of the month following/coincident with 30 days.
My Life and AD&D Benefits
The Agency offers their employees Life and Accident Death and Dismemberment coverage. The benefit gives employees basic life and AD&D insurance that is equal to 2x salary, rounded to next $1,000 to a maximum of $300,000. It is important to note that your benefit will reduce upon certain ages. At age 65, your life insurance benefit reduces to 65% of the original amount. At age 70, your life insurance benefit reduces to 50% of the original amount.
Contributions
This is Employer funded.
Eligibility
Full time employees working thirty (30) hours or more per week are eligible for coverage on the first of the month following 6 months of continuous employment.
My Short Term Disability Benefits
The Agency offers their employees a Short Term Disability benefit.
Elimination Period:
- 0 Calendar Days for Accident
- 7 Calendar Days for Illness
Benefit Amount:
50% of your weekly benefit amount no greater than $2,000 per week.
Maximum Benefit Period due to Injury or Accident:
- The end of the disability
- The end of the 25th week of Disability for which a benefit is payable
Contributions
This is Employer funded.
Eligibility
Full time employees working thirty (30) hours or more per week are eligible for coverage on the first of the month following 6 months of continuous employment.
My Long Term Disability Benefits
The Agency offers their employees a Long Term Disability benefit.
Benefit Amount:
60% of Basic Monthly Earnings not to exceed a Maximum Monthly Benefit of $5,000 – see certificate for additional details
Elimination Period:
The greater of:
- the end of your STD Benefits; or
- 180 days
Contributions
This is Employer funded.
Eligibility
Full time employees working thirty (30) hours or more per week are eligible for coverage on the first of the month following 6 months of continuous employment.
My Voluntary Life and AD&D Benefits
The Agency offers employees Voluntary Life and Accidental Death & Dismemberment coverage.
The benefit allows employees to elect a benefit amount for voluntary life and/or voluntary accidental death and dismemberment in $10,000 increments to a maximum of 5x your annual earnings up to $500,000. Any amounts over $150,000 will be subject to Evidence of Insurability.
Employees can elect voluntary life and/or voluntary accidental death and dismemberment on their spouse in $5,000 increments. The benefit must be the lesser of 50% of the Employee’s Voluntary Life benefit or $250,000. Any amounts over $25,000 will be subject to Evidence of Insurability.
Employee can elect voluntary life and/or voluntary accidental death and dismemberment on their child.
- Live birth to 6 months: $500
- 6 months to 26 years: $5,000 increments up to $10,000.
Eligibility
Full time employees working thirty (30) hours or more per week are eligible for coverage. Coverage begins 1st of the month following 1 month of continuous employment.
My EAP Benefits
InvestEAP
The Agency provides all employees with an Employee Assistance Program (EAP) through Invest EAP, an independent, industry-leading company that specializes in health care management. EAP is a voluntary, confidential service that provides professional couseling and referral services designed to help with personal, job or family related problems.
EAP consultants are available 24 hours a day, 7 days a week, 365 days a year. Any services provided by the EAP counselors are at no charge to you or your family members.
In addition to phone-based help, a lot of information can be found online, such as self-assessment tools, interactive databases, health and wellness calculators, webinars and podcasts.
Licensed professionals provide confidential support and guidance related to:
- Family, relationship and parenting issues
- Basic child and elder care needs
- Emotional and stress-related issues
- Conflicts at work or home
- Alcohol and drug dependencies
- Personal development and general wellness issues
- Financial issues
- Legal issues
- They can also refer you for in-person counseling
Symetra Support
The Agency also provides a supplemental EAP through Symetra. Your household is eligible for a total of five sessions per calendar year, plus an additional five with a covered disability claim.
Symetra Support can assist with the following:
- Confidential counseling (mental health, substance abuse, grief, family issues)
- Financial information and resources (debt management, tax questions)
- Legal support (contracts, divorce/family law, bankruptcy, etc.)
Symetra Support offers these additional services:
- Travel assistance
- Identity theft protection
- Estate Guidance and Beneficiary Assistance
Symetra Support also has a wealth of online resources and tools, such as articles, tutorials, and self-assessments.
The Agency’s EAPs through InvestEAP and Symetra Support are confidential services. No one will know if you use the EAPs – not your supervisor, the Agency, or your family members. Any information you provide to InvestEAP or Symetra Support is confidential and cannot be shared without your explicit consent.
Contributions
The InvestEAP and Symetra Support EAP benefits are provided by the company at no charge to employees, per contract limits.
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following their date of hire.
guidanceresources.com
Company Code: SYMETRA
1-888-327-9573
SmartConnect – Medicare Resource
Medicare is very complex and it is important that you have an advocate who can provide you the proper Medicare education and guidance.
There are different paths you can choose in Medicare plans, and it can be very time consuming and difficult to filter through these options yourself. It is important that you find the appropriate plan in your area that best fits your medical needs and is within your financial budget.
SmartConnect is a free resource that will simplify the Medicare approach by providing you the needed education, plan evaluation, and enrollment assistance.
SmartConnect Contact Information
Additional Information
Tuition Assistance
Tuition Reimbursement – GRADFIN
The Washington County Mental Health Service Inc’s tuition assistance program is designed to help employees pay back student loan debt and improve their financial well-being.
Utilizing WCMHS’s relationship with The Richards Group, consultation services provided through GradFin are provided free of charge. GradFin is a new employee benefit program that is revolutionizing the way employees can reduce their student loan debt.
GradFIN will provide:
- One-on-one education consultations with GradFin Consultation Experts to review your current loan status and discuss personalized payoff options to save on your loans.
- GradFin will offer a competitive interest rate reduction when you refinance your loans.
- GradFin will offer the lowest interest rates in the industry through their lending platform which is made up of ten lenders to maximize the chances that you will be approved for a new loan.
For more information or to schedule a one-on-one consultation visit:
WCMHS Tuition Reimbursement & Loan Repayment
WCMH’S educational assistance program provides tuition assistance and loan repayment of up to $5250 per year for eligible staff who are pursuing or have pursued a degree or coursework relevant to their current or future job responsibilities.
To learn more about either of these programs and eligibility contact: educationbenefits@wcmhs.org
