Medical
Your Medical Coverage
Medical and prescription coverage is an important part of any benefit strategy. Like many employers, our Districts are working diligently to ensure our plans continue to provide affordable, convenient and comprehensive access to quality coverage.
Through the Allen County Schools Health Plan, we choose Medical Mutual of Ohio (MMO) for our healthcare and prescription drug benefits.
While MMO provides access to participating and non-participating providers, using a participating provider ensures you receive the highest levels of coverage.
All plans have important provisions which we encourage you to review. Each plans' details can be evaluated by selecting one of the documents below.
Eligible unmarried and married Dependents are covered under the plan until the end of the month of their 26th birthday.
Dependent Audit
To provide quality benefits while managing costs, dependent verification is important! Plansource, previously known as Next Generation, is a professional benefit-consulting group specializing in dependent eligibility verification.
When adding a dependent to the plan, you will receive a Dependent Eligibility Verification packet from Plansource requesting you to provide documentation such as a copy of marriage certificate or recent federal tax return and birth certificates along with a completed remittance form.
Access MMO's My Health Plan
-
To view or order a certificate
-
Check claim status and benefit information
-
Review explanation of benefits (EOBs)
-
Search providers
-
View your member ID card
What is SmartShopper?
Helps you save money on several medical procedures. Earn $$$$$ when you use the program and choose a LOW cost, HIGH quality provider for service!
When you need a non-emergent medical procedure, start with SmartShopper.
-
They provide you with the options you need to make good health care choices.
-
If you choose a low cost, high quality provider – you will receive a check in the mail! Yes!
-
Your Personal Assistant can also schedule your appointment.
Click this link to start shopping now MMO SmartShopper OR call your SmartShopper Personal Assistant team at 1-877-292-1541 Monday through Thursday from 8 a.m. to 8 p.m. and Friday from 8 a.m. to 6 p.m. EST.
Contact Information
Medical Mutual: 800.382.5729
Express Scripts: 800.417.1961
If you are covering a spouse or dependent child under the plan, please click this link to learn more about the Dependent Audit process and Spouse COB Certification.
Consolidated Appropriations Act of 2021
Consolidated Appropriations Act of 2021
No Surprises Act: This legislation provides rules and processes to protect health plan members from balance billing that may arise from non-network provider utilization that is out of the member’s control. Refer to Surprise Billing Model Notice below.
Transparency in Coverage Rule: The below link leads to the MMO 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.
Dental
Your Dental Coverage
At Allen County Schools Health Plan, we partner with Medical Mutual of Ohio (MMO) to provide our employees with access to dental services. Our dental benefit program allows you to use any licensed dental provider. But also offers a network of providers, if selected will provide discounted fees with no balance billing.
Most benefits are provided on a reimbursement basis. This means you may be required to pay for services and submit a claim for reimbursement. Claim forms can be found below.
It is recommended before having any major dental work done that you have your dentist contact MMO for a pre-treatment estimate. This will ensure that in the event you are having major care performed, you will know the expense and coverage before the service begins.
Did you know: you are permitted to elect different types of medical and dental coverage? For example, you can select single medical and family dental if you would prefer.
Eligible unmarried Dependents are covered under the plan until the end of the month of their 26th birthday.
Dependent Audit
To provide quality benefits while managing costs, dependent verification is important! Plansource, previously known as Next Generation, is a professional benefit-consulting group specializing in dependent eligibility verification.
When adding a dependent to the plan, you will receive a Dependent Eligibility Verification packet from Plansource requesting you to provide documentation such as a copy of marriage certificate or recent federal tax return and birth certificates along with a completed remittance form.
Access MMO's My Health Plan:
-
To view or order a certificate
-
Check claim status and benefit information
-
Review explanation of benefits (EOBs)
-
View your member ID card
-
Contact Information: 800.833.7027
Teladoc
Allen County Schools Health Plan is providing you and your eligible dependents with an added medical benefit. Teladoc allows you to talk to a doctor anytime, anywhere, by phone or video consult. Allen County Schools Health Plan pays for this service with NO cost to you. It’s a convenient option for treating many of your medical conditions.
There’s no need to wait for your Teladoc ID cards you can begin to use the service as long as you are a benefit eligible employee.
Click on the links below to Set Up Your Account. This must be done before you can start using this convenient, cost-effective resource.
Teladoc
-
Gives you 24/7/365 access to U.S. board-certified doctors.
-
Can diagnose and prescribe medication.
-
Can treat many medical conditions.
-
Saves you time and money!
-
See the attached flyers with more information.
**It is free to members in the MDHP Plan. For members enrolled in the HDHP Plan, the $55 visit fee has been temporarily waived effective 2/1/23 through 12/31/24.
Contact Information: 1.800.Teladoc (835-2362)
Vision
EyeMed Vision Care Insight Plan
Allen County Schools Health Plan is offering a comprehensive Vision Plan. If you choose to enroll, you will have access to a vision benefit that will not only cover eye examinations but lenses, frames and so much more!
Click on the link below to review the Benefit Summary and other important information, including how to determine whether your current vision provider participates in the EyeMed network.
To get the most out of your benefit plan, it is important to seek care from participating vision providers.
Contact Information: 866.800.5457
Eligible unmarried Dependents are covered under the plan until the end of the month of their 26th birthday.
Dependent Audit
To provide quality benefits while managing costs, dependent verification is important! Plansource, previously known as Next Generation, is a professional benefit-consulting group specializing in dependent eligibility verification.
When adding a dependent to the plan, you will receive a Dependent Eligibility Verification packet from Plansource requesting you to provide documentation such as a copy of marriage certificate or recent federal tax return and birth certificates along with a completed remittance form.
Employee Assistance Program (EAP)
The ACSHP Board has contracted with ComPsych® to provide an Employee Assistance Program (EAP) at NO COST TO YOU! Your GuidanceResources® Program is a network of services that can help you improve your health, achieve more at work and home and handle any personal or professional challenges you face. It offers someone to talk to or resources to consult whenever and wherever you need them. These services are strictly confidential and are available to you and your immediate family members 24 hours a day, seven days a week, by phone or online.
The ACSHP EAP Program includes:
-
Up to six local face-to-face counseling sessions per incident at NO cost to you
-
Unlimited phone counseling on legal issues by ComPsych® staff attorneys to include a free 30-minute assessment and 25% discount off legal services when local face-to-face sessions are necessary
-
Unlimited phone counseling on financial issues by ComPsych® staff CPAs and CFPs
-
Unlimited online support via GuidanceResources® Online, your 24/7 link to vital information, tools and support. Log on for:
-
Articles, podcasts, videos, slideshows
-
On-demand trainings
-
"Ask the Expert” personal responses to your questions.
-
Follow the instructions on the ACSHP EAP GuidanceResources Online Access Info flier for log on instructions.
We encourage you to take advantage of this valuable resource, which offers confidential:
-
Financial resources to assist with retirement planning, taxes, relocation, mortgages, insurance, budgeting, debt, bankruptcy and more.
-
Emotional support for issues including anxiety, depression, stress, grief, loss and life adjustments along with relationship/marital conflicts.
-
Work-Life solutions provide qualified referrals and resources for items such as finding child care and elder care, hiring movers or home repair contracts, planning events or locating pet care.
-
Legal guidance from ComPsych® attorneys to assist with legal issues including divorce, adoption, family law, wills, trusts and more.
You may access Your GuidanceResources® Program via: Phone: (833) 787-7774
Online: guidanceresources.com
App: GuidanceResources® Now
Your Web ID is: ACSHP
Group Life
Your Group Life Insurance Benefit
At no expense to you, we provide all eligible employees with life insurance benefits. The amount of your benefit is consistent with your employment contract.
This valuable benefit pays a lump sum to any qualified beneficiary(s) you elect. This benefit also pays an additional amount in the event of an accidental death or dismemberment.
To qualify for this benefit, you must elect a beneficiary at enrollment. Coverage is underwritten by Dearborn National.
Eligible employees may also purchase additional life insurance coverage at a discounted group rate. This additional life insurance can be purchased in $1,000 increments, to a limit of five times your annual earnings or $500,000 (whichever is less). During your intial enrollment, employees can qualify for optional coverage up to $300,000 on a guarantee issue basis. Amounts in excess of the guarantee issue or if you are a late enrollee are subject to satisfaction of the Evidence of Insurability (EOI). The EOI form is available below.
If you enroll in the optional life coverage, you may also purchase coverage for a spouse under age 70 or dependent child under age 26. An employee can elect spouse life benefit between $5,000 to $250,000, in increments of $500, not to exceed 100% of the employee benefit amount. An employee can elect child life benefit of $2,500, $5,000, $7,500 or $10,000. Coverage for live birth to 6 months is $1,000 under each of the plan options. The guarantee issue limits are $50,000 for spouse and $10,000 for child life. Please consult the appropriate certificate for your district below under Documents By School for full details.
During open enrollment, you may increase your voluntary life benefit up to $10,000 without EOI as long as the benefit does not exceed 5 times your salary or the guarantee issue amount, whichever is less.
Contact Information: 800.348.4512
General Plan Documents
Documents By School
Allen County ESC
Allen East Local
Apollo Career Center
Bath Local
Bluffton Exempted Village
Delphos City Schools
- Basic Life Class 01 Certificate
- Basic Life Class 02 Certificate
- Basic Life Class 03 Certificate
- Basic Life Class 04 Certificate
- Voluntary Life Class 1 Certificate
- Voluntary Life Class 2 Certificate
Elida Local
- Basic Life Class 01 Certificate
- Basic Life Class 02 Certificate
- Basic Life Class 03 Certificate
- Basic Life Class 04 Certificate
- Basic Life Class 05 Certificate
- Voluntary Life Class 1 Certificate
- Voluntary Life Class 2 Certificate
- Voluntary Life Class 3 Certificate
- Voluntary Life Class 4 Certificate
Lima City
Perry Local
Shawnee Local
Spencerville Local Schools
West Central Learning Academy
Flexible Spending Accounts (FSA)
Flexible Spending Account Benefit
Flexible Spending Accounts are an important way to manage your annual expenses while maximizing your take home pay.
Flexible Spending Accounts allow you to set aside money to pay for healthcare, dependent care, transit and parking expenses on a pre-tax basis. Money must be allocated to each specific purpose and cannot be reassigned.
For full details concerning your Flexible Spending Account, please contact your treasurer's office.
Our FSA benefit program is administered by American Fidelity Assurance Company, a leader in accurate and responsive claim administration. For a more detailed overview of this benefit option, click on the links below.
Contact Information: 800.325.0654