In addition to the major categories of benefits in the accordion below, the following links give more information:

  • Please open the Employee Handbook for information on Education Benefits, Group Life Insurance, Leave Programs, Long Term Group Disability Insurance, or other related benefits. (The 'clickable' Table of Contents will help you find what you need.)
  • Hampden-Sydney College HIPPA Privacy Notice
  • Independent 529 Plan - National Prepaid Tuition Program to save for private higher education
  • H-SC's WELLNESS program -- Iron Tiger Challenge and Wellness Wednesdays email communications

If you have benefit specific questions please contact Deborah Herndon at x7224 or

Medical / Vision

Hampden-Sydney College is committed to providing a comprehensive health care plan with a complex web of doctors, physicians, and facilities to choose from. Anthem KeyCare coverage is just that. (Anthem is affiliated with Blue Cross/Blue Shield)

Most hospitals in Virginia accept KeyCare rates. Pre-Admission review is required for admission to a hospital (excluding out-patient services). If you are admitted in an emergency situation, pre-admission review must be done within 48 hours or the next business day.

If you travel outside the state, the KeyCare network of doctors and facilities does not apply. However, you should locate doctors and facilities that participate with Blue Cross Blue Shield in the state you are visiting. If you have a life-threatening emergency either in state or out of state, you will not be penalized for seeking services from a non-KeyCare or non-participating doctor or facility.

Anthem covers 100% of checkups, routine physicals, including office visits, lab work, immunizations, mammograms, pap tests, gynecological exams, PSA, colorectal cancer screenings, and certain blood and urine screenings and labwork. Note: Refer to Anthem's preventive care list to see what tests are covered. These tests are not considered routine if the procedure is performed due to a medical condition or diagnosis. If, in the course of a routine screening procedure, an abnormality or problem is identified that requires immediate intervention, the service may be converted from routine or diagnostic.

Anthem's Well Baby Care covers children from birth through age 6.

In addition expectant mothers may enroll in the Future Moms Program by contacting the Benefits Manager or Anthem directly.


In-Network $300 $600

Out-of-Network $450 $900


In-Network $2,000 $4,000

Out-of-Network $3,000 $6,000


In-Network Anthem pays 80% of allowable charges, individual pays 20%

Out-of-Network Anthem pays 60% of allowable charges, individual pays 40%

Note: deductibles and out-of-pocket expenses for in- and out-of-network services are not combined.

The College plan is a PPO;
you do not need a referral;
you do not need a primary care physician;
there are no co-payments


Your Anthem policy covers prescription drug coverage is with Express Scripts.


$10 - $35 - $55 co-pays per prescription

  • Tier 1 - generic drugs - $10 co-pay.
  • Tier 2 - brand name drugs - $35 co-pay.
  • Tier 3 - brand name drugs - $55 co-pay.

 Prescription drugs and devices approved by the FDA for use as contraceptives are covered.


Basic vision
insurance is included in your Anthem health insurance coverage. The coverage is with Blue View Vision. Note: If during a routine exam a problem is found the claim may become diagnostic and may become a medical claim.

  • In-Network Basic Plan: Exam co-pay is $15. Frames, Lenses, and Contacts are discounted dependent upon selection and cost.
  • Out-of-Network Basic Plan: $30 reimbursement towards the cost of a routine eye exam or $35 towards the cost of a contact lens exam. There is no benefit for Frames, Lenses, and Contacts.

VOLUNTARY Buy-up Vision Insurance with Davis Vision:

  • Exam co-pay is $15.
  • Frames: $130 allowance then 20% off remaining balance every 2 years.
  • Lenses: $15 co-pay, then covered in full for single, bifocal, and trifocal - see brochure for upgrades.
  • Contacts: $130 allowance then 15% off the remaining balance for conventional; $130 allowance for disposable lenses.


Monthly health, vision, and dental membership tiers are:

Employee only
Employee + one child
Employee + spouse/same-sex domestic partner
Employee + family

The College contributes % of monthly medical/dental premium based upon salary:

50% if the employee earns $42,501 or more
65% if the employee earns $25,001 to $42,500
80% if the employee earns $25,000 or less

Premiums are deducted from your paycheck on a before-tax basis.


The College pairs with Delta Dental to provide a full range of services, including orthodontia. Delta Dental covers the four main types of dental expenses:

  • Preventative and diagnostic care (routine exams and cleanings, fluoride treatments, sealants, bitewing x-rays) - paid at 100%, no deductible, two per calendar year. (3 for participants who are diabetic or pregnant)
  • Basic services  (fillings {covers white composites for front and back teeth}; oral surgery; extractions; root canals; periodontal services; denture repair; re-cementation of crowns, bridges, and dentures) - paid at 80% after the deductible ($50).
  • Major Services are available with the VOLUNTARY buy-up coverage (crowns, bridges, dentures) - paid at 50% after the deductible($50).
  • Annual Benefit Maximum - $1,000 per enrollee (for all above), per calendar year.  Annual checkups are not subtracted from $1,000 maximum.
  • Orthodontia is available with the VOLUNTARY buy-up coverage - paid at 50%, no deductible, lifetime maximum benefit of $1,000 (separate from regular deductible/maximums)

Flexible Spending Accounts

LD&B oversees the College's flexible spending accounts. Monies are withheld on a before-tax basis to be used in:

  • Health Care Account- Medical expenses not covered by insurance. IRS approved health-care-related items, including certain over-the-counter items. $2,500 annual limit.
  • Dependent Care Account - coverage of dependent child and/or adult care expenses. $5,000 annual limit
  • For more information on FSA visit

403(b) Retirement Plans

The College offers retirement funding through two companies: TIAA/CREF.

Eligible employees who contribute 5% or more will receive up to a 10% contribution (the 2014-15 rate is 8.5%) from the College. This is a before-tax benefit.

The retirement plan is available to all full-time employees after one year of employment with the College. Prior service at any non-profit higher education institution immediately preceding employment at the College will count toward satisfying the one-year requirement.

Employees may begin individual contributions immediately upon hire as long as their contributions for the year are not less than $200. The employee is vested in the program from inception.

Emerti Health Care Savings

Emeriti is offered as a means for full-time faculty and staff to set aside savings while they are working that can be used to pay for healthcare expenses during their retirement years.

Once the employee reaches the age of 40, the College begins contributing $45 per month to TIAA-Cref for the employee. For funding information go to TIAA-Cref.

Employees must work for the College for 5 years to be vested in the plan.

The employee is not required to contribute his/her own money into the plan
in order to receive the College's contribution. Employees who wish to
contribute may do so. This is an after-tax benefit.


Hampden-Sydney College provides COBRA, which is a continuation of medical and dental insurance coverage, for up to 18 months after termination of employment.  Extenuating circumstances may allow for up to 36 months of coverage.

Please contact the Benefits Manager at extension 7224 for more information about COBRA.Hampden-Sydney College's COBRA benefits are processed by LD&B Administration.

Walking Works

Walking Paths Maps with walking distances around campus are available online.

While any increase in walking will help promote good health, the President's Council on Physical Fitness and Sports recommends 30 minutes a day, on five or more days a week, or 10,000 steps daily, to produce the best, long-term health benefits for most individuals. That is why Blue Cross and Blue Shield Plans have launched WalkingWorks. (from the Walking Works website)

Walking Paths Map at H-SC

Click for a larger view of the Walking Paths Map in pdf format.

Track Your Wellness Progress

Walking Works website has an online tracking program and a printer-friendly verson.

Get the MyFitnessPal App on your smartphone.  It provides an easy way to set a weight goal based on your age and height.  You can enter what you eat each day and the exercise you do.  The App will then calculate the calories towards what you are allowed to meet your weight goal.  For example, if you walk thirty minutes at a slow pace, you will get 83 calories added to the amount you may eat in a day!


Summary Plan Descriptions

Check the details in the Summary Plan Descriptions for all Hampden-Sydney College Benefits

Summary Plan Descriptions

Open Enrollment Period

The Open Enrollment Period generally begins in October and ends in November for election of benefits each year.

Open Enrollment to Elect Benefits