Frequently Asked Questions

My Benefits


What are my options for medical coverage?

You'll see your options when you log on to the Benefit Choices Enrollment Website. If you don’t want to enroll in an ABG Medical Plan, you can waive coverage entirely.

Do the Plans provide coverage for annual physicals and preventive screenings?

Yes, all of the Avis Budget Group Medical Plans cover in-network preventive care at 100%—no deductible or copay.

What is a deductible?

It’s the amount you pay out of pocket each calendar year before a plan pays benefits.

Do I have to pay for preventive care?

Only if you go out of network under the Aetna HealthFund. If you stay in network or are enrolled in one of the Aetna Select (Open Access) Plans, you pay nothing for preventive care.

Is blood work performed in either a doctor’s office or a laboratory considered preventive care?

Yes, as long as it’s routine (e.g., cholesterol) and not associated with the diagnosis of a condition.

What is an out-of-pocket maximum?

It’s an annual amount that limits how much you could pay out of pocket for healthcare in a calendar year.

How is the Aetna HealthFund different from the other Medical Plans?

  • You have both in- and out-of-network coverage.
  • The annual deductible is higher ($2,500 for an individual; $5,000 for a family).
  • The Company establishes an Account for you ($1,000 for an individual; $2,000 for a family). You use this money to pay healthcare expenses and meet the deductible.
  • If you have money in your Account at the end of the year, you can use it the following year. You can accumulate up to $3,000 with single coverage; $6,000 with family coverage.

If I have money left in my HealthFund Account at the end of the year, can I take it in cash?

No. The Account can be used only to pay eligible expenses covered under the Plan while you are an employee of Avis Budget Group and enrolled in the Aetna HealthFund.

What happens to the balance in my Account if I decide to change my Medical Plan next year?

It is forfeited. You cannot keep a balance unless you are enrolled in the plan.

Do I have to pay taxes on amounts paid from my Account?

No. Payments from the HealthFund Account are not currently subject to tax.

If I enroll in the Aetna HealthFund, can I also have a Health FSA?

Yes, you can enroll in both. You can use the FSA to pay your out-of-pocket expenses for over-the-counter medications as well as vision and dental expenses. However, you can use it for covered medical expenses only after your HealthFund Account balance is depleted.

What is the Aexcel network?

It’s a network of specialists available to Aetna Select (Open Access) members. These specialists (located in most metropolitan areas) have a proven track record in clinical performance and efficiency and have been identified as among the highest quality care specialists available. Aexcel specialists are currently available in the following areas:

  • cardiology
  • cardiothoracic surgery
  • gastroenterology
  • general surgery
  • neurology
  • obstetrics and Gynecology
  • orthopedics
  • otolaryngology/ENT
  • plastic surgery
  • urology
  • vascular surgery.

Why should I use a specialist in the Aexcel network?

If you are enrolled in one of the Aetna Select (Open Access) Plans, you receive a higher level of benefit when you use an Aexcel specialist. The Copay Advantage Plan pays 90% for an Aexcel specialist and 85% for a non-Aexcel specialist. The Premium Advantage Plan pays 80% for an Aexcel specialist and 75% for a non-Aexcel specialist.

Can I use an Aexcel specialist if I am in the Aetna HealthFund?

Yes, but there will be no effect on your benefits.

Does CIGNA have anything like the Aexcel Network?

CIGNA participants can use CIGNA Care Network providers–but there is no effect on benefits.

How do I find an Aexcel network specialist?

They’re located in most major metropolitan areas. There will be an indication on your ID card if you live within an Aexcel network. You can go online to find an Aexcel network specialist by logging on to the Aetna website, selecting Find a Doctor, then Aetna Open Access® Plans and then Aetna SelectSM (Open Access). Aexcel specialists have a blue star next to their names.

What is the Aetna Concierge Service?

Starting in 2014, you have free one-on-one access to a medical concierge who can answer your questions about your medical coverage and the many tools available to you to make the most of it. For example, your concierge can help you learn how to use Aetna Navigator so that you can easily find a doctor or check a claim. To contact a concierge, all you have to do is call the phone number on your Aetna ID card.

Do I have to enroll for prescription drug coverage?

No. Prescription drug coverage is included in whichever ABG Medical Plan you choose.

What’s the prescription drug coverage under the Aetna HealthFund?

Coverage is provided by Aetna, which means you must fill your prescriptions either at a participating retail pharmacy or through the Aetna Rx Home Delivery program. You pay for your drugs (using money in your HealthFund Account) until you meet the plan’s annual deductible. After you meet the deductible, the plan pays 80% for generic drugs, 70% for preferred brand-name drugs and 50% for non-preferred brand-name drugs.

What’s the prescription drug coverage under the Aetna Select (Open Access) Plans?

Prescription drug coverage, provided by Envison Pharmaceutical Services, is the same under the Copay Advantage and Premium Advantage Plans. You must fill your prescriptions at a participating retail pharmacy or through the Costco Mail Order Pharmacy. You can also use a CVS/pharmacy, which will save you up to 50%. There is no deductible for prescription drugs. The Plan pays 80% for generic drugs and 70% for formulary brand-name drugs.

What is the difference between Costco's traditional mail order and the online ordering service?

Traditional mail order requires you to order all your prescriptions via mail or phone. You must complete a patient profile form and submit it to the Costco Mail Order Pharmacy. Traditional mail order also accepts personal checks and Electric Funds Transfer as forms of payment. Online ordering service requires you to order all your new prescriptions online at You do not use a patient profile form; instead, you create an online account. Each individual receiving medication must have a unique e-mail address in order to create an online account. All communication between you and the pharmacy is done via email.

How do I get reorder forms if I choose to use the traditional mail order service?

Visit under "Print Forms" or contact Costco Mail Order Pharmacy at 1-800-607-6861.

When do I need to place my order?

Costco's goal is to have your order in your hands 14 days after it is received at the facility for processing. Allow a few extra days when placing an order for the first time and remember to calculate the amount of time it may take for your prescription(s) request to reach Costco's facility. Once the order is received, it will leave the facility within one to four days. Standard shipping is free. Expedited shipping options are available for an additional fee. If you do not receive your order within 14 days, please contact Costco Mail Order Pharmacy at 1-800-607-6861.

How can I ensure my order will not be delayed?

Be sure to provide a valid shipping address and valid payment information. Your name, address and phone number must be written legibly on all submitted documents, including the original prescription(s). Your physician must provide complete directions for use. An order cannot be dispensed without valid instructions; "use as directed" will not be accepted. Please ensure your prescription is written for the maximum days' supply (90 days) and contains additional refills.

How does the Auto Refill Program work?

You select which maintenance medications you would like to have refilled on an ongoing base. Before a refill is processed, an email will be sent to you for final confirmation. You will have 48 hours to contact the pharmacy by phone or email to cancel the refill. Otherwise, the prescription will be shipped to you automatically and the credit card associated with the account will be billed. Auto refills are not available for controlled substance medications and non-maintenance medications.

How do I pay for my order?

Costco requires payment with every prescription order. Your prescription may be delayed if Costco does not receive payment in full at the time of order, if you have an unpaid balance, or if your forms are not filled out completely. Costco accepts American Express, Visa, MasterCard, Discover and Costco credit cards. If you utilize Costco's traditional mail order service, you may also pay by mailing a personal check with your order or supplying a voided check for Electronic Funds Transfer. Typically, orders paid with a credit card are processed up to two days faster.

How will I know the cost of my prescription order?

It is your responsibility to know your plan's copay(s). If you need help, contact TAP.

Where is my order being shipped from?

The Costco Mail Order Pharmacy is located in Corona, CA. Costco will ship anywhere in the United States. Shipping times may vary depending on where you are located.

When I receive my order, what will be included in the package?

Each package will include your prescription medication, prescription label and a drug monograph. All prescription bottles will be sealed with child safety caps to prevent them from opening during shipment. If you select easy-open caps, they will be included in the package for you to switch once your package has safely arrived.


What are my options for dental coverage?

You have a choice of three CIGNA plans—CIGNA Dental Health (CDH), the PPO and the Traditional Plan. You can also waive coverage entirely.

What’s the difference between the PPO Dental Plan and the Traditional Dental Plan?

If you stay in network, the benefits are the same. However, the PPO Dental Plan pays different benefits if you go out of network.


What are my options for vision coverage?

Only one plan—VSP—is available. You can choose to participate or waive coverage.

Do I have to use a VSP provider to get vision benefits?

No. You can receive vision care in or out of network. However, you pay less if you stay in network.

Does the Vision Plan cover a new pair of glasses every year?

Covered dependent children under age 19 can get a new pair of glasses every 12 months. Adults can replace lenses once every 12 months, but frames are covered only once every 24 months.

Flexible Spending Accounts (FSAs)

How can a Flexible Spending Account (FSA) save me money?

Any money that goes into your FSA reduces your taxable income. For example, say you earn $30,000 and direct $1,000 to an FSA. Instead of paying income taxes on $30,000, you pay it on only $29,000. As a result, your taxes for the year will be lower.

Do I have to enroll in both the Health Care and the Dependent Day Care FSA?

No. You can enroll in either or both accounts, depending on the type of eligible expenses you have.

How much can I contribute to an FSA?

You can contribute from $100 to $2,500 annually to the Health Care FSA and $5,000 to the Dependent Day Care FSA, and you can contribute different amounts to each account.

Can I transfer money between accounts?

No, the IRS does not permit you to transfer money between accounts or use money in your Health Care Account for dependent day care expenses (or vice versa).

What happens to contributions left in my account(s) at the end of the year?

The IRS prohibits the Company from returning unused FSA contributions. So, be sure to estimate your expenses and FSA contributions carefully. Your 2014 Health Care FSA can be used to reimburse expenses incurred through March 15, 2015. Your 2014 Dependent Day Care FSA can be used to reimburse expenses incurred through December 31, 2014. You have until March 31, 2015, to request reimbursement from either FSA.

Can I claim a deduction on my federal income tax return for an expense reimbursed by my FSA?

No, you must choose one or the other. An eligible expense can either be reimbursed from your FSA or claimed as a tax credit on your federal income tax return.

Who is an eligible dependent under the Health Care FSA?

Any individuals you claim as dependents on your federal income tax return are considered eligible dependents for Health Care FSA purposes, even if you do not enroll them in a Company-sponsored Medical, Dental or Vision Plan.

What can be reimbursed through the Health Care FSA?

The Health Care FSA is used to reimburse you for out-of-pocket health care expenses for you and your dependents. Qualified expenses include deductibles, coinsurance, copayments, certain over-the-counter medical supplies and prescribed medications, amounts above reasonable and customary limits and other medical, dental, vision and hearing expenses that are not reimbursed under a health care plan.

Can I request a reimbursement from my Health Care FSA for an amount that exceeds my Account balance?

Yes. You can be reimbursed up to the annual amount you elect to contribute (less amounts already paid), even if all of it has not yet come out of your pay and deposited in your Account.

If I enroll in the Aetna HealthFund, can I also have a Health FSA?

Yes, you can enroll in both. You can use the FSA to pay your out-of-pocket expenses for over-the-counter medications as well as vision and dental expenses. However, you can use it for covered medical expenses only after your HealthFund Account balance is depleted.

Can I use my Dependent Day Care FSA for dependent healthcare expenses?

No, the Dependent Day Care FSA is for expenses you incur to provide day care for your eligible dependents. You can use the Health Care FSA to cover your out-of-pocket healthcare expenses for your dependents.

Who is an eligible dependent under the Dependent Day Care FSA?

A dependent for Dependent Day Care FSA purposes is a child under age 13 you claim as a dependent on your federal income tax return or anyone living with you who is mentally or physically incapable of self-care and depends on you for more than one-half of his or her support.

What can be reimbursed through the Dependent Day Care FSA?

The Dependent Day Care FSA is used to reimburse you for payments you make to a caretaker (individual or facility) for your qualified dependent when the care is necessary so that you can work. (If you are married, your spouse must also work outside the home, attend school full time or be physically or mentally incapacitated.)

Can I request a reimbursement from my Dependent Day Care FSA for an amount that exceeds my Account balance?

No, the Dependent Day Care FSA will reimburse you only up to the amount available in your Account when you file a claim.


When is Annual Enrollment?

It begins in October and runs for three weeks.

How do I enroll?

Log on to the Benefit Choices Enrollment Website. You’ll need your World Wide ID (WWID) and Personal Identification Number (PIN). Your PIN is your eight-digit birth date (MMDDYYYY).

Where do I get my PIN?

Your PIN is your eight-digit birth date (MMDDYYYY). After you log on, you will be able to choose a new PIN.

What will happen if I don’t enter a Social Security number for my dependent?

Because this is mandatory as part of the Medicare Secondary Payer Law, any dependents over the age of one who do not have a SSN entered into the system will not be eligible for coverage.

How much will my payroll deductions be in 2014?

It depends on the choices you make. The costs for all your options are listed on the Benefit Choices Enrollment Website.

How do I know which Medical Plan to choose?

The Medical Plan you select should provide coverage for the services you use most at the most affordable cost. The Aetna Plan Selection & Cost Estimator can help you compare the available plans to help you decide which plan best meets your needs. You choose the plans you want to compare, enter some basic information about yourself and your covered family members, and answer a few questions about how you use healthcare services – then view your results. If you are already enrolled in an Aetna Medical Plan, the system will use your actual claim data to estimate your expenses for the upcoming year.

Can I change my life insurance beneficiary outside of Annual Enrollment?

Yes, you can change your beneficiary at any time by linking to the Benefit Choices Enrollment Website.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace, also known as the health insurance “exchange,” is a new way to find health coverage. In some states, the Marketplace is run by the state government; in other states, by the federal government. Either way, the insurance plans that make up the Marketplace are offered by private companies, with options and costs included on a special Marketplace website.

Should I be thinking about choosing a Marketplace plan for 2014 instead of ABG coverage?

There’s no need to. The Marketplace is intended primarily for people who have inadequate health insurance – or no health insurance at all. Remember: ABG pays the majority of the cost for your Company-sponsored medical coverage. If you choose a Marketplace plan instead, you’ll pay the full premium yourself.

If I decide to buy a Marketplace plan, do I have to do anything during ABG’s Annual Enrollment?

Yes, you must make an active election to cancel ABG Medical coverage. Also, since Marketplace plans provide only medical and prescription drug coverage, you should choose or make changes to your other Voluntary Benefits—e.g., dental, vision, FSAs and life insurance.

When can I enroll in a Marketplace plan?

Open enrollment for the Health Insurance Marketplace began on October 1, 2013 and ends March 31, 2014.

How can I learn more about the Health Insurance Marketplace?

Start at the national website ( or contact the government’s call center at 1-800-318-2596.


What is HealthWorks@ABG?

HealthWorks@ABG is the “umbrella” that covers all of Avis Budget Group’s health and wellness initiatives. Our comprehensive wellness program offers a wide variety of tools and services to help employees and their families make healthy and informed choices. Most of the programs are free of charge and open to all employees, whether or not they are eligible for other Company benefits.

What types of programs does HealthWorks offer?

It has a broad range of programs that fall in to the following categories:
Health Risk Assessment (Vitality Health Review)
Preventive Care
Smoking Cessation
Healthy Lifestyle Coaching
Financial Planning
Personal Health Record
24 Hour Nurseline
Employee Assistance Program
Wellness Captains
Local Wellness Programs & Services
Stress Management
Work Life Balance
Community Responsibility

What are Wellness Captains?

They are employees at many different Avis Budget Group locations who volunteer to help promote health and well-being at their work sites. Wellness Captains communicate, organize and provide feedback about HealthWorks@ABG programs and initiatives to their coworkers, extending the reach of the Avis Budget Group wellness message.

How can I find out more about becoming a Wellness Captain?

We’re always looking for volunteers. If you would like to find out more about being a Wellness Captain, email us at

What is the Vitality Health Review?

It’s a quick, easy and completely confidential questionnaire about your health and lifestyle that identifies potential health risks and suggests steps you can take to lessen those risks. To get the most out of the Vitality Health Review, you should know these numbers before you begin: your height, weight, waist circumference, blood pressure, total cholesterol, LDL (“bad” cholesterol), HDL (“good” cholesterol) and triglycerides.

Is the Vitality Health Review available only during Annual Enrollment?

No. If you're currently enrolled in an Avis Budget Group Medical Plan, you are required to take the Health Risk Assessment during Annual Enrollment to have a choice of Medical Plans, but it is available all year.

What do I do if I have trouble completing the Vitality Health Review?

Answer whichever questions you can. You can come back at a later date and provide additional information and/or update what you have already entered.

Where can I find the Vitality Health Review?

It’s online at at, which you can link to from this website. You can also use the Vitality Today mobile app. You’ll need a Vitality username and password to log on. The first time you log on, you must register.

What is the ActivePHR?

The ActivePHR (Personal Health Record) is a confidential online record of your health and health care. Once you register, the ActivePHR maintains all of your health-related information, including prescription drugs, in a secure, online record. The ActivePHR is automatically updated each time you receive medical services, if you are enrolled in an Aetna or CIGNA Medical Plan. You can print a report from your ActivePHR to share with your doctor when you go for a visit. In addition, if you provide an email address, the ActivePHR can notify you of possible drug interactions, remind you when it’s time for an annual physical and let you know about possible alternate treatment options.

Is the ActivePHR available for me only, or can my family use it as well?

It’s available to all eligible employees and their dependents age 18 or older.

Who has access to my ActivePHR?

The information in your ActivePHR is completely confidential. It is against the law (HIPAA) for any of this information to be shared with anyone else or any other organization without your prior consent.

Can I enroll in the TrestleTree Tobacco Cessation Program at any time during the year?

Yes, but the earliest your payroll deductions can change will be next year.

If I sign up for the TrestleTree Tobacco Cessation Program, can I get over-the-counter aids to assist in quitting tobacco?

Your coach will determine with you if you are a good candidate for patches, gum or lozenges and, if you are, you may receive up to a 12-week supply. Depending on your Medical Plan, prescription tobacco cessation medications may be covered.

Are all employees eligible for the TrestleTree Tobacco Cessation Program?

Yes, all Avis Budget Group employees, as well as their spouses/domestic partners, are eligible to sign up for the TrestleTree Tobacco Cessation Program.