Benefits
Medical
Hope currently provides Medical Insurance through BlueCross BlueShield of IL. Starting on January 1, 2025, we will change carriers and offer medical coverage through Health Alliance.
There are two options for coverage:
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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.
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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.
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If you are unsure which plan best suits your needs, please see the resource hub for more information about these plans.
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Hope Summary of Benefits Packet 2025
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Hope Benefit Election and Waiver Form 2025
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​Health Alliance POS $3,000 Deductible (effective Jan 1, 2025)
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Health Alliance HDHP $5,000 Deductible (effective Jan 1, 2025)
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Diagnosis & Medical Care
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Serious Chronic Conditions
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Wellness & Preventative Care
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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
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.
HSA & 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.
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Health Care FSA - If you elect to participate in the HDHP plan, you will not be eligible to participate in Hope's healthcare FSA
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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.​
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Dependent Care FSA - All qualified employees are eligible to participate in this program
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You may contribute up to $5,000 per plan year to pay for eligible dependent care expenses (or up to $2,500 if you are married and file a separate tax return). Funds in this account are saved on a tax-free basis. Additional Information about your Dependent Care FSA
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​Health Savings Account - Only HDHP plan members are eligible to participate
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If participating in the HDHP plan, you will be able to obtain a Health Savings Account through the financial institution of your choice. This is your own account and will be funded with pre-tax dollars, which can be used for eligible expenses. Unlike an FSA, HSA funds do not expire at the end of a calendar year. The 2025 HSA contribution limits are $4,300 for an individual and $8,550 for a family. If you decide to open an HSA, you will need to submit the HSA notification form to Hope HR. If you switch from the HDHP plan to the POS plan, you will not be able to contribute to an HSA; however, you can still use existing HSA funds for eligible medical expenses..
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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.
Life Insurance
Basic Life insurance helps ease your loved one's financial burden. Eligibility will begin first of the month following three months of employment; this is a benefit that is paid for completely by Hope. In the event of your passing, the designated beneficiaries will receive a death benefit. In addition, Accidental Death and Dismemberment (AD&D) provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident. Please designate one or more life insurance beneficiaries during enrollment.
Short & Long Term Disability
All full time employees at Hope are required to enroll into a short and long term disability program at Hope. While this is a required program, it is also 100% employee paid, ensuring that any benefit you receive through this program is tax free. Short and long term disability will provide employees with regular paychecks when they are required to be off work for longer than 15 consecutive days, due to am eligible medical condition. Eligibility will begin first of the month following three months of employment. The cost is designated according to your annual salary/ Please see the chart below to understand what your per-pay deduction will be.
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Employee Assistance Program
When personal problem arise, many people may choose to cope alone, resulting in negative consequences at home and the workplace. This is why we have teamed with ComPsych® Corporation to offer Disability Resource Services to employees covered by our long-term disability (LTD) policy. Disability Resource Services provides convenient resources to help address emotional, legal and financial issues.
Summary of Annual Report for Hope School Welfare Plan
The links below provide the Summary of Annual Report for Hope School Welfare Plan from 1/1/2021 to 12/31/2021, 1/1/2022 to 12/31/2022, and 1/1/2023 to 12/31/2023. Per ERISA, this disclosure is required for all current participants in the Hope Benefits Plan.
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