Benefits

Medical

Hope currently provides Medical Insurance Health Alliance.

There are two options for coverage:

Point of Service - A POS plan provides in-network and out-of-network benefits for medical care and prescriptions, typically at the cost of a copay. A POS has a smaller deductible and out-of-pocket maximum but higher per-pay contributions.

High Deductible Health Plan - An HDHP plan provides in-network and out-of-network benefits, with all costs paid out-of-pocket until you reach the deductible, which is when insurance will begin covering portions of your health-related costs. An HDHP offers lower per-pay contributions.

If you are unsure which plan best suits your needs, please see the resource hub for more information about these plans.

Hope Summary of Benefits Packet 2025

Hope Benefit Election and Waiver Form 2025

2025 FSA Enrollment Form

2025 Hope Wellness Form

Health Alliance POS $3,000 Deductible (effective Jan 1, 2025)

Health Alliance HDHP $5,000 Deductible (effective Jan 1, 2025)

Diagnosis & Medical Care
Serious Chronic Conditions
Wellness & Preventative Care
Lab Work

Free for Plan Employees, Covered Partners & Dependents

*$5 Copay for HDHP Members

*Only treating dependents ages 5+

*Currently available for Springfield, IL and Southern,IL/MO employees ONLY

Set up your Wellness Exam Today!

Contact

Hope Pavilion, Suite 1400

217-993-0998

More Information

After Hours Care Information

Services

Virtual Visits:

MDLive's Virtual Visit program provides you and covered dependents access to care for non-emergency medical and behavioral health needs. Access to a board-certified MDLive doctor is available 24 hours a day, 7 days a week.

Vision/Dental

Your BlueCare Dental plan allows the flexibility to select any dentist in-network or out-of-network. By staying in-network, your dentist and BlueCare will make your annual benefit period maximum last longer.

Your EYEMED Vision plan provides many in-network options and benefits for eye exams, contacts and glasses.

FSA

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) allow you to put pre-tax dollars into an account to pay for qualified medical expenses such as doctor office visits, hospital visits, dental services, and vision services.

ChardSnyder FLEXIBLE SPENDING ACCOUNT (FSA) REFERENCE GUIDE

Health Care FSA - If you elect to participate in the HDHP plan, you will not be eligible to participate in Hope's healthcare FSA
- You may contribute up to $3,300 per plan year. Funds in this account can be used to cover all eligible expenses for yourself, your spouse/partner, or your dependents, even if they are not enrolled under your health care plan.