Benefits
Health Insurance
We have plenty of resources available to help you stay informed about your health benefits options. You can view the Department of Human Resource Management (DHRM)'s Getting to Know Your Benefits brochure for an introduction to state healthcare and flexible spending accounts, or check out the following resources:
- The DHRM website for a general overview of health benefits, including plan options, premiums, and incentive programs
- DHRM's Eligibility Guide for enrollment timeframes and qualifying mid-year event (QME) deadlines
- The Employee Health and Wellness Benefits guide provides employees with benefits available to help you as you progress towards your health and wellness goals.
Additionally, you can browse Mason's health insurance options below to learn more.
Current Year Documents and Summaries
To find current year documents and a summary of each plan, visit the Department of Human Resource Management (DHRM) Health Benefits for Active Employees website.
Plan Overview
The COVA Care plan provides a wide range of health care services for medical, behavioral health, dental, vision, hearing and pharmacy needs.
The plan offers several benefit options:
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- Basic (includes dental)
- Out-of-Network
- Expanded Dental
- Vision, Hearing and Expanded Dental
- Out of Network, Expanded Dental, Vision and Hearing
The level of coverage the employee receives is based on the benefit option chosen which varies with the premium paid. No primary care physician selection is required and no referrals are needed to visit a network specialist. Co-payments and deductibles apply. Prescription drugs are divided into four tiers and the employee pays the appropriate prescription co-payment by tier.
COVA Care members receive a single ID Card that can be utilized for each plan.
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- Anthem BC/BS for medical, pharmacy or behavioral health
- Delta Dental for dental
Current Year Documents and Summaries
To find current year documents and a summary of each plan, visit the Department of Human Resource Management (DHRM) Health Benefits for Active Employees website.
Plan Overview
COVA HDHP is the result of the 2005 General Assembly legislation. The plan year deductible is $1750 for one person and $3500 for two or more people that must be met before the plan pays. These deductibles comply with IRS guidelines for a plan to be considered a High Deductible Health Plan. The deductible applies to your medical, behavioral health and prescription drug benefits. Once the deductible is met, you pay 20% coinsurance for most covered services, and the plan pays the remaining 80%.
When two or more people are covered, the entire $3500 deductible must be met before the plan pays any expenses for any one person covered under the plan.
COVA HDHP does include many wellness and preventive services at no cost, even if you have not yet met your deductible for the plan year, including diagnostic and preventive dental. You may elect an expanded dental option for an additional premium, which would cover primary and complex dental and orthodontic services. The dental benefits are provided by Delta Dental.
Enrollment in the COVA HDHP allows you to set up an individual Health Savings Account (HSA) through a bank or other financial institution. An HSA is a tax-favored account that allows you to make tax-deductible contributions that can be used to pay for medical expenses. For more information please see the Anthem BC/BS website and click on the COVA HDHP link.
Current Year Documents and Summaries
To find current year documents and a summary of each plan, visit the Department of Human Resource Management (DHRM) Health Benefits for Active Employees website.
Plan Overview
The COVA HealthAware plan, administered by Aetna, provides a wide range of health care services for medical, preventive dental, pharmacy, behavioral health and Employee Assistance Program. This plan includes a Health Reimbursement Arragement (HRA), which is designed to give you more control over your health benefit dollars and help pay your out-of-pocket expenses.
Expanded Dental or Expanded Dental plus Vision buy-ups are available at additional cost. Dental coverage is administered by Delta Dental.
Call Aetna Concierge at 1-855-414-1901 with any plan benefit questions.
Current Year Documents and Summaries
To find current year documents and a summary of each plan, visit the Department of Human Resource Management (DHRM) Health Benefits for Active Employees website.
Plan Overview
The Kaiser Permanente plan provides a wide range of health care services for medical, behavioral health, dental, vision, hearing, and pharmacy needs.
Kaiser Permanente members must receive their care from a Kaiser Permanente provider in the service area. Your Kaiser Permanente physician provides or arranges all services. Please visit Kaiser Permanente or call member services at 800-777-7902 to select a primary care physician and/or to find a facility near you. Each person covered by Kaiser Permanente must select a primary care physician.
There is a $25 co-payment per visit for a primary care physician and a $40 co-payment for a specialist. Specialty care is provided on a referral basis only. Please note you are required to pay the total cost for care not provided by or arranged by your primary care physician with the exception of services for a life-threatening emergency.
Other features of Kaiser Permanente's plan include a 24 hour help line, dental coverage (provided by Liberty Dental), an Employee Assistance Program (provided by Beacon Health Options), and vision and hearing coverage included at no additional cost.
All Mason employees are eligible to enroll in Kaiser Permanente.
Current Year Documents and Summaries
To find current year documents and a summary of each plan, visit the Department of Human Resource Management (DHRM) Health Benefits for Active Employees website.
Plan Overview
TRICARE-eligible employees who are also eligible for the State Health Benefits Program and are in one of the following categories may voluntarily enroll in the supplement plan:
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- Military retirees with 20 years of creditable military service and entitled to retired pay and their spouses/surviving spouses who are not eligible for Medicare.
- Retired Reservists and National Guardsmen between the ages of 60 and 65 with 20 years of creditable service and their spouses/surviving spouses who are not eligible for Medicare.
- Retired Reservists and National Guardsmen under age 60 and enrolled in TRICARE Retired Reserves (TRR) and their spouses/surviving spouses who are not eligible for Medicare.
- Military retirees and their spouses/surviving spouses who reside outside the U.S. or its territories (all who are eligible for Medicare must be enrolled in Medicare).
- Military retirees and their spouses/surviving spouses age 65 or older but ineligible for Medicare (all must have received a Statement of Disallowance from Social Security Administration).
Advantages of the TRICARE Supplement Plan:
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- Available to all TRICARE participants regardless of rank or service
- No medical examination required for enrollment
- No pre-existing condition clause
- No supplement plan deductibles, but TRICARE deductibles apply
- Full reimbursement of the TRICARE Standard/Extra Outpatient Deductible and 50% reimbursement of the POS deductible
- Full reimbursement of the TRICARE cost shares
- Full reimbursement of the excess charge benefit (difference between the TRICARE allowed amount and the provider's billed charge) when a nonparticipating provider is utilized
- Flexibility and freedom to see any TRICARE-authorized civilian providers
- Full portability if your enrollment with the Commonwealth of Virginia ends
- Guaranteed Issue
For more details, please see the TRICARE Supplement information on the DHRM's website.