Know your rights

Benefits summary plan description (SPD)

This document provides full documentation of Vanguard's health and welfare plans.

Benefits summary plan description (SPD) for retirees

This Summary Plan Description (SPD), along with the plan booklets, describes the health and welfare benefits provided to Vanguard retirees.

Retirement and Savings Plan SPD

Get in-depth details about the Vanguard Retirement and Savings Plan (RSP).

Summary of Benefits and Coverage

Get details about Vanguard's medical plans, and view a glossary of health coverage and medical terms.

Health coverage resources for retirees

Information on Vanguard's retiree health plans, including medical, dental, vision, and other helpful resources.

Health Insurance Marketplace

Under the Affordable Care Act (ACA), the Health Insurance Marketplace allows Americans to shop for health care coverage.

Notice of creditable prescription coverage

The notice proves that prescription drug coverage under the Vanguard plan constitutes as creditable coverage.

Premium Assistance under Medicaid and Children's Health Insurance Program (CHIP)

If you or your children are eligible for Medicaid or CHIP and Vanguard's health insurance, your state may offer premium assistance.

HIPAA Privacy Notice

This notice describes how medical information about you may be used and disclosed and how you can get access to this information.

Notice regarding Vanguard's Health Smart Rewards wellness program

Get details about the administration of Vanguard's Health Smart Rewards wellness program.

Notice under Women's Health and Cancer Rights Act of 1998

Federal law requires group health plans that provide mastectomy benefits to also provide certain related benefits and to tell participants that they are available.

COBRA resources

If you're eligible for continuation of health coverage under COBRA, use this page to find all the information you need.

Crew benefit plans - Summary Annual Reports

Access the most recent Summary Annual Reports (SARs) for the employee benefit plans.

HEART Act and FSAs

See how the Heroes Earnings Assistance and Relief Tax Act could affect crew members who are called to active military duty.