Your CapEx Benefits
Welcome to the CapEx FSC, LLC benefits website. Use this site to review your current benefits, understand eligibility and enrollment rules, compare medical options, and find carrier contacts and resources.
Enroll in Solex Eligibility & EnrollmentTrueScripts Is Your Pharmacy Benefit Manager
TrueScripts now manages your prescription benefits and formulary (drug list). Your medical and prescription copays did not change. Use your ID card with TrueScripts pharmacy information, and register for the TrueScripts Member Portal to look up drug prices and get help.
Pharmacy InformationQuick Links
Find a Doctor
Search the Cigna provider directory. Select PPO, then continue as a guest.
Cigna DirectoryKey Dates
Explore Your Benefits
Medical
Three PPO plans, weekly costs, pharmacy, $0 virtual care and the HSA.
Dental & Vision
Altus Dental Plus and Altus Vision 150 on the VSP Choice Network.
Life & Wellbeing
Employer-paid Life & AD&D, EAP and Emergency Travel Assistance.
MA PFML
Paid family and medical leave for Massachusetts and how to file.
We’re Here to Help
Enroll online: Solex
Enrollment help & eligibility: CapEx HR – Amanda Hatalyk
Amanda.hatalyk@capexservices.com · 508-873-0065
Claims, ID cards, provider searches & member services: contact the carrier listed on the Contacts page.
All ContactsHave a Question?
Scout is your benefits guide. Use Scout to find information, locate resources, understand benefits terms and explore your programs. If you need more help, Scout will point you to the right contact.
Ready to Enroll?
Review your benefit options, then make your elections online in Solex. Questions? Contact CapEx HR.
Enroll in SolexNeed More Information?
The Resources section has benefit summaries, forms, notices, a Benefits Dictionary and answers to common questions, all year long.
Go to ResourcesEligibility & Enrollment
Who’s eligible, when coverage starts, who you can cover, and how to make changes.
How to Enroll
Review Your Options
Compare the medical plans, dental and vision, and weekly costs.
Contact CapEx HR
Amanda Hatalyk
Amanda.hatalyk@capexservices.com
508-873-0065
Eligibility & When Coverage Begins
Eligibility rules and start dates are different for some benefits.
| Benefit | Who Is Eligible | Coverage Begins |
|---|---|---|
| Medical, Dental & Vision | Regular full-time employees working at least 40 hours per week | 1st of the month after your date of hire (example: hired June 12 → covered July 1) |
| Basic Life & AD&D | Active full-time employees working at least 30 hours per week | 1st of the month after 90 continuous days of employment |
Eligible Dependents
You may enroll these dependents in medical, dental and vision:
- Your legal spouse
- Unmarried children up to age 26, including legally adopted children and stepchildren
- A dependent child past the limiting age who can’t support themselves because of a mental or physical disability
Domestic partners are not eligible.
Qualifying Life Events
Outside your initial enrollment window and Open Enrollment, you can change elections only after a qualifying life event, such as:
- Marriage, divorce or legal separation
- Birth or adoption of a child
- Death of a dependent
- A dependent losing eligibility (e.g., turning 26)
- A change in your or your spouse’s employment or coverage status
Act Within 30 Days
Notify HR and submit your election change, with supporting documentation, within 30 days of the event. Changes requested later generally must wait until the next Open Enrollment.
Name Your Beneficiary
Complete the Equitable Beneficiary Designation Form for your Basic Life & AD&D, and give a copy to CapEx HR.
Medical
Choose from three Cigna PPO plans. All three cover in-network preventive care at no charge and don’t require referrals to see a specialist. You pay less when you use in-network providers.
Plan Comparison (In-Network)
Out-of-network care: 40% coinsurance after deductible for most services, with higher deductibles and out-of-pocket limits (see each SBC). Each SBC lists one out-of-pocket limit per plan, with no separate pharmacy limit. Some services may need pre-certification.
Your Weekly Cost
Your per-paycheck cost, deducted weekly. CapEx also contributes toward your medical coverage. These amounts are your share only.
Pharmacy · TrueScripts
Effective January 1, 2027, TrueScripts is your pharmacy benefit manager and formulary resource. Your medical and prescription copays did not change.
Using Your Pharmacy Benefit
- Show your ID card with TrueScripts pharmacy information every time you fill a prescription (RxBIN 025862 · PCN TSAC)
- Check the TrueScripts Access Formulary for covered drugs, prior authorization and step therapy
- Prior authorizations approved under the previous pharmacy benefit manager carry over
- Specialty medications: a dedicated TrueScripts Patient Advocate helps you through the Specialty Care Program
- 90-day supplies are available at retail pharmacies; mail order is optional (Costco, Care-fill or PillPack)
- GLP-1s for weight loss are not covered
TrueScripts Member Care
844-257-1955
Monday–Friday, 8 AM–6 PM ET
Register for the Member Portal to compare drug prices, view plan details and chat with a Member Care Advocate. You’ll need your member ID card.
TrueScripts Member PortalPrescription Costs
90-day supply: generic $45, preferred $90, non-preferred $150 (after the deductible on the $3,500 HSA plan). Specialty drugs aren’t covered as a 90-day supply.
$0 Virtual Care
See a provider 24/7 for colds, flu, medication refills, travel needs and more. $0 for Quick Care, phone and video visits.
Who can use it: employees enrolled in any CapEx medical plan, including the HSA plan. Not available if you waive CapEx medical coverage.
Start at portal.securusbenefits.com or call 1-855-636-3669.
Virtual care doesn’t replace your primary care physician. In an emergency, call 911.
Health Savings Account (HSA)
Available with the Cigna PPO $3,500 HSA plan. An HSA is a tax-advantaged account you own and use for qualified healthcare expenses. Unused money rolls over each year and stays with you if you leave.
- CapEx employer contribution: $0
- 2026 IRS limit: $4,400 self-only / $8,750 family
- 2027 IRS limit: $4,500 self-only / $9,000 family
- Age 55+: extra $1,000 catch-up
Change your payroll contribution: outside Open Enrollment or your new-hire enrollment window, contact CapEx HR.
You generally can’t contribute if you’re enrolled in Medicare, have other non-HDHP coverage (including a general-purpose FSA), or can be claimed as someone’s dependent.
HealthEquity Member Services: 866-346-5800
HealthEquity LoginFind a Medical Provider
- Go to the Cigna provider directory
- Select the PPO plan/network
- Continue as a guest
ID Cards & Member Services
View or download your ID card at portal.securusbenefits.com, or call 1-877-420-0785.
Medical Documents
Pharmacy Resources
Dental & Vision
Keep your smile and your vision healthy with coverage for preventive care, everyday services and eyewear.
Dental
- Annual maximum: $1,500 per person, resets each calendar year
- Deductible: $50 individual / $150 family
- Preventive (exams, cleanings, x-rays, fluoride, sealants): 100%, no deductible
- Basic (fillings, extractions, root canals, periodontal maintenance): 80% after deductible
- Major (crowns, bridges, dentures, implants): 50% after deductible
- Children covered through the end of the month they turn 26
You can see any dentist, but out-of-network costs may be higher. Find a Dentist at altusdental.com · 1-877-223-0588
Dental Weekly Cost
Vision
- Eye exam: $10 copay, 1 exam every 12 months
- Lenses: $0 copay (single vision, lined bifocal, trifocal, lenticular), every 12 months
- Frames: $25 copay, $150 allowance every 24 months, plus 20% savings over the allowance
- Contacts (instead of glasses): $150 allowance every 12 months; fitting/evaluation up to $60
- Out-of-network reimbursement available
- Children covered through the end of the month they turn 26
Vision Weekly Cost
Altus member services: 1-877-223-0588
Dental & Vision Documents
Life & Wellbeing
Financial protection and confidential support for life’s challenges, all at no cost to you.
Basic Life & AD&D
- Life benefit: 1× your Basic Annual Earnings, rounded up to the next $1,000, up to $50,000 (minimum $10,000)
- Guaranteed issue: $50,000 (no medical questions)
- AD&D: 100% of your life benefit, paid in addition for a covered accidental death
- Accelerated Death Benefit: up to 75% of your benefit (max $250,000) for a qualifying condition
- Waiver of premium and conversion included
- AD&D extras: Common Carrier, Day Care, Child Education, Rehabilitation, Repatriation, Seatbelt & Airbag, Spouse Training
Good to Know
This benefit covers you only. It doesn’t include coverage for your spouse or children.
Coverage reduces to 65% at age 65 and 50% at age 70.
Name your beneficiary with the Equitable Beneficiary Designation Form and give a copy to HR.
Eligibility: active full-time employees working at least 30 hours per week. Coverage begins the 1st of the month after 90 continuous days of employment.
Equitable: (866) 274-9887
Employee Assistance Program
Free, confidential support for you and your immediate family, 24/7/365.
- Up to 3 face-to-face counseling sessions per issue, per year
- Legal guidance: free 30-minute consultation and 25% off representation
- Financial coaching: budgeting, debt, retirement planning
- Work/life referrals: child and elder care, movers, pet care
- Identity theft services and online will preparation
Contact the EAP
Call (833) 256-5115
TDD (800) 697-0353
Online: guidanceresources.com
App: GuidanceNow · Web ID: EQUITABLE3
The EAP is free and confidential.
Emergency Travel Assistance
Worldwide help, 24/7/365, when you travel 100+ miles from home for up to 120 days.
- Emergency medical evacuation and repatriation
- Medical and dental referrals, hospital admission coordination
- Lost document and luggage help; emergency cash and bail assistance
- Identity theft help, travel information and concierge services
- Doctor Please! virtual care abroad (access code US1020)
Services must be arranged by AXA Assistance USA.
Call AXA Assistance
Within the U.S.: (855) 327-1476
Outside the U.S.: 1 (312) 356-5980
Life & Wellbeing Documents
MA Paid Family & Medical Leave
Partial wage replacement and job protection when you need time away from work for your own serious health condition or a qualifying family reason.
Benefit Highlights
- Weekly benefit: 80% of your average weekly wage up to 50% of the state average weekly wage, plus 50% of wages above that
- 2027 maximum weekly benefit: $1,284.61 (set annually by the Commonwealth)
- Benefits begin after a 7-day waiting period (paid weekly in arrears)
- Medical leave: up to 20 weeks in a benefit year
- Combined medical and family leave: up to 26 weeks in a benefit year
Family Leave
| Reason | Maximum |
|---|---|
| Bonding with a new child (within 12 months of birth, adoption or foster placement) | 12 weeks |
| Qualifying military exigency | 12 weeks |
| Caring for a family member with a serious health condition | 12 weeks |
| Caring for a covered service member | 26 weeks |
How to File
Give Notice
Give CapEx at least 30 days’ notice of your expected start date, how long you’ll be out and your return date. If that isn’t possible, give notice as soon as you can.
Gather Information
Have ready: employer name, group policy number, your last day worked, your manager/HR contact, the reason for leave, and your medical providers’ contact information.
Call Equitable (Preferred)
(866) 274-9887: choose the employee prompt, then disability or MA PFML claims. Mon–Fri, 8 AM–8 PM ET.
Prefer paper? Complete the Equitable MA PFML claim form (employee, employer and provider sections), then fax it to (855) 864-0530, email it to claimsubmission@groupclaims.com, or mail it to Group Claims Department, P.O. Box 14294, Lexington, KY 40512-4294.
Your Rights
Generally, an employee who takes PFML must be restored to the same or an equivalent position. Your employer must maintain your health insurance during leave as if you had kept working.
Questions about your PFML rights: MA Department of Family and Medical Leave, (833) 344-7365 · mass.gov/dfml
MA PFML Documents
Some carrier flyers show prior-year benefit amounts. The 2027 amounts on this page apply.
Your Benefits Library
Benefit summaries, forms, notices, common questions and plain-English definitions, all year long.
Document Library
Frequently Asked Questions
Benefits Dictionary
Benefits terms can be confusing. The Benefits Dictionary explains common insurance and benefits terms in plain English.
Contacts & Support
Not sure where to start? Use this directory to find the right resource for enrollment, claims, ID cards, accounts and wellbeing programs.
Enrollment, Eligibility & Life Events
Enroll online: Solex
Help: CapEx HR – Amanda Hatalyk
Amanda.hatalyk@capexservices.com
508-873-0065
Claims, ID Cards & Providers
Contact the carrier for your benefit (see the directory above). Carriers can answer questions about claims, network status and your account.
Benefits Advocacy
Apex Benefits Partners, your benefits advisor
Doan Trinh · Doan@apexbenefitsonline.com