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Contacts & Glossary
Every carrier's phone number, website, and group number, plus plain-language definitions.

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At a Glance
- Medical (UMR): 800-826-9781 · Dental (Delta Dental): 800-537-1715 · Vision (VSP): 800-877-7195.
- Life, AD&D & Disability (Prudential): 800-778-4357 · EAP (Guidance Resources): 800-311-4327.
- 401(k): 800-835-5097 · Student Debt: 866-711-0350 · HSA: 800-544-3716 (all Fidelity).
- FSA & Commuter (ThrivePass): 800-532-3327 · Spring Health: 855-629-0554.
- Deductible: what you pay before the plan starts paying. Coinsurance: your percentage share after the deductible.
- Copay: a flat fee for a service. Out-of-pocket maximum: the most you'll pay in a year for covered care.
1 documents
2026 Benefits Guide
Pages 35–36: full contact table and glossary.