Benefits

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401K



Avalon U


Health & Welfare

Medical Benefits

At AvalonBay, your medical benefits are administered by CareFirst Blue Cross/Blue Shield (BC/BS)—one of the largest health are organizations in the United States, serving more than 4 million people nationwide. Under this plan, you have the choice of participating in either the Preferred Provider Option or the Exclusive Provider Option.

Preferred Provider Options (PPO)

The PPO combines the economies of managed medical care with the freedom of choice found in traditional indemnity medical plans. Features of this plan include:

  • No requirement that you use a primary care physician to manage your health care
  • No referral needed for care by a specialist
  • Emergency care covered anytime, anywhere
  • Wide choice of in-network physicians and hospitals
  • Coverage when you use an out-of-network provider
  • Coverage when you are traveling and for dependents who live away from home

Exclusive Provider Option (EPO)

To get the full range of medical care at the lowest possible cost, you can choose to enroll in the EPO. Features of the EPO include:

  • No requirement that you use a primary care physician to manage your health care
  • No referral needed for care by a specialist
  • No annual deductibles—you pay only a modest copay for most care
  • Hospitalization and surgery are covered at 100% after a per admission deductible

prescription drug Benefits

Regardless of the BC/BS plan in which you enroll, you have prescription drug coverage, with a co-pay, depending on the type of drug prescribed.


Dental Benefit

Your AvalonBay dental benefits are administered by the Aetna. you have the choice of participating in either the Dental Preferred Provider Option (PPO) or the Dental Maintenance Organization (DMO). Both plans provide benefits for preventive and diagnostic services, minor therapeutic and restorative services, periodontics and major restorative services, and orthodontic services.

Dental Preferred Provider Option (PPO)

Under this plan, you and your covered dependents can obtain your dental care from any dentist you choose. Features of this plan include:

  • No requirement to use a primary care dentist
  • Coverage when you use out-of-network dentists
  • Maximum annual benefit limit of $1,500 per person

Dental Maintenance Organization (DMO)

This plan allows you to obtain the same full range of dental care at a much lower out-of-pocket cost. Features of this plan include:

  • Network primary care dentist is required
  • No annual deductibles
  • Benefits are only available when you use a preferred provider - there are no out-of-network benefits
  • No maximum annual benefit limit

Vision Benefits

You may choose to enroll in our Vision Service Plan (VSP). VSP is a nationwide network of optometrists and ophthalmologists. The plan works like a preferred provider organization and offers benefits whether you use doctors within the network or outside the network. The plan provides benefits for regular eye examinations, glasses or contact lenses and laser vision care.


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