Handling Financial Stress
Wednesday · 60 minutes
ESC of the Western ReserveYour Benefits, Made Easier
Whether you’re comparing options, looking for care, updating your coverage, or simply trying to save money, here’s where to start.Compare options, find care, update your coverage, or discover ways to save. Start here.
Make the Most of Your Benefits
Need to see someone or find the right place for care? Start here.
Choose coverage, compare costs, or update benefits after a life event.
Find documents, common answers, and the right person to contact.
Beta: Ask the AI Benefits AssistantAsk a benefits question in your own words. It answers only from approved information in this hub and always shows its sources.
For your privacy, don’t include Social Security numbers, claim numbers, medical details, or other sensitive personal information. Read the Privacy & Legal Notices.
I can securely send your contact information and a short description of the issue to benefitshelp@thelcsc.com.
Make the most of your plan
Why wait to get more from your benefits?
Start with these resources to get better care and save money today.
Qualifying is easier than ever. Submit the Explanation of Benefits (EOB) from your 2026 preventive physical, and you'll earn either a 5% discount on your 2027 medical premiums — or $150 if you waive medical coverage.
Verify and Qualify Online →Build practical skills for work and life with expert-led sessions on financial confidence, resilience, mental health, and total well-being. Join live or watch on demand through AllOne Health.
See Upcoming TopicsShop for higher-quality, cost-effective care and earn a cash reward — SmartShopper shares the savings with you when you choose a smart location.
Your eligible medication list depends on whether you are enrolled in the CDHP or PPO. Choose your plan to see the correct TrueRx list.
No-Cost Preventive Medications →Action Required
Only spouses without access to other coverage — an employer plan, retiree coverage, or Medicare/Medicaid — are eligible for the ESCWR medical plan.
Complete the Verification
Medical · how the plans work
Compare the 2027 medical plans available to you. Amounts shown are in-network, individual / family. Employee premiums vary by employee group; use the cost comparison app for your personalized amounts.
| CDHP HSA-Eligible | PPO Broad Network | |
|---|---|---|
| Monthly employee premium | Varies by employee group - use the cost comparison app | Varies by employee group - use the cost comparison app |
| Your deductible | $3,750 / $7,500 | $1,000 / $2,000 |
| Coinsurance | 20% after deductible | 20% after deductible |
| Coinsurance maximum | $2,000 / $4,000 | $4,000 / $8,000 |
| Out-of-pocket maximum | $5,750 / $11,500 | $6,600 / $13,200 |
| Preventive care | Covered 100% | Covered 100% |
| District's Annual HSA Contribution | $2,000 single / $4,000 family | Not applicable |
| Emergency room | Deductible + 20% | $300 copay |
| Prescriptions | Deductible + 20% | $5 / $40 / $75 retail copays |
| Provider network | Medical Mutual PPO network | Medical Mutual PPO network |
| Full plan details | 2027 CDHP SBC → | 2027 PPO SBC → |
*2027 HSA contribution limit: $4,500 individual / $9,000 family, including district contributions. Employees age 55 or older may contribute an additional $1,000. Official plan documents govern.
Benefits Learning Center
Watch a quick explainer, then find clear answers to the questions employees ask most.
Questions People Ask Most
During annual Open Enrollment, within your new-hire window, or within 30 days of a qualifying life event — marriage, birth or adoption, or gaining/losing other coverage. Submit changes and documentation in Benefitsolver within 30 days, or you'll wait until the next Open Enrollment.
Log in to benefitsolver.com (company key lakecounty), choose Life Events > Update, and upload supporting documentation within 30 days of the event. Have dependents' dates of birth and SSNs handy.
Open the Member ID Card Guide below for each benefit’s carrier, group number, member portal, and phone number—including Delta Dental and VSP for 2027.
Open the Member ID Card GuideYes — $0 per visit, 24/7/365, for every ESCWR employee and household member, even if you're not on the medical plan. Register at TeladocHealth.com or call 1-800-835-2362, then request a visit by phone or video.
100% confidential. AllOne Health is an independent partner — your district never sees who calls or why. You get up to 6 free sessions per issue for your whole household. Call 800-451-1834 (company code LCSCeap).
If you have other coverage, you can waive ESC medical and earn a yearly bonus — $900 as a single employee, or $2,500 if you cover eligible dependent children. Contact HR at (440) 350-2563 for requirements and to enroll.
Benefits & Contacts
Choose a benefit to see plan details, documents, carrier contacts, and helpful links together.
Use these 2027 documents for coverage beginning January 1, 2027. Review the 2027 benefit guide for details on the district’s Health Savings Account contribution.
The linked formulary applies to 2027 coverage. Coverage and requirements may vary by plan; consult TrueRx for details.
Preventive care is covered at 100%; basic and major services at 80%; and orthodontia for children and adults at 50%. The plan includes a $2,000 annual maximum, a $1,500 orthodontic lifetime maximum, and a $50 individual / $100 family deductible that does not apply to preventive care. Eligible children are covered through the end of the month in which they turn 26. Your benefits work at any licensed dentist. Choose a Delta Dental PPO or Premier dentist for negotiated fees and claims filed for you; PPO dentists offer the greatest potential savings.
VSP includes a $10 annual eye exam and $150 for contacts. NEW! LightCare: don’t need prescription eyewear? Use a $200 allowance for ready-made non-prescription sunglasses or blue-light-filtering glasses instead of prescription glasses or contacts ($15 copay; once each calendar year). Featured Frame Brands—and any frame at Visionworks or Eyemart Express—receive a $250 allowance, $50 more than the standard $200 frame allowance. Essential Medical Eye Care supports urgent and ongoing eye conditions.
More support
Every vendor behind your benefits — grouped and ready to reach.
Download the MedMutual mobile app.Access ID cards, claims, costs, and care information.
Get care by phone or video.1-800-835-2362
A quick four-step walkthrough.Adults age 18 or older must activate their own account before requesting care.
Open Teladoc HealthYou are now leaving the LCSC-supported site to securely enter BenefitSolver.
New enrollees: use Company Key lakecounty to register. Need help? Call 833-989-1966 for LCSC's BenefitSolver Help Desk.
AllOne Health offers private support for emotional well-being, family concerns, work-life challenges, and other everyday needs.
Your use of AllOne Health is completely confidential. ESC of the Western Reserve is not told who uses the program or why. When creating an account for the first time, use Company Code lcsceap.
Select the group that applies to you to open the correct benefit guide.
Your preventive medication list depends on the medical plan in which you are enrolled. Select your plan to open the correct TrueRx list.
