WELCOME!

The open enrollment period for benefit elections effective January 1, 2022 begins Monday, October 18, 2021 and ends at 5:00 pm on Friday, November 12, 2021.

Spousal carve-out:  If your working spouse is eligible for coverage through his/her employer's group health plan for affordable, minimum essential coverage as defined by the Affordable Care Act, the spouse is NOT eligible to enroll in medical coverage under the VPC Consortium medical plan.  Employee's whose spouses do not have affordable health coverage elsewhere and who enroll in our plan must formally (legally) attest to this fact by signing the Spousal Affidavit which is linked below.  A new Spousal Affidvit is required.

Important Notices:

1. Medical Insurance Plans:

The College will continue with Anthem through the VPC Benefits Consortium as the medical/basic vision carrier.

Anthem Medical Insurance: Employees will continue to have two plan options to choose from for 2022.

  • Plan 4 (Low Deductible with a $20.00 co-pay and $750/$1,500 deductible)
  • Plan 7 (High Deductible Plan with no co-pay and $3,000/$6,000 deductible)
  • See the attached 2022 medical benefit enchancements for Plan 7
  • Medical rates increased for 2022.  See the rate sheets.
  • Salary classifications have been revised for 2022.  A new tier was added and tiers were adjusted for 2022.

For complete details regarding the plan coverages please see the attached Anthem Booklet for Plan 4 and Plan 7 and Anthem Application.

2. Dental Insurance Plans:

Dental benefits will continue to be offered through Delta Dental. Low and High Option Plan options will remain the same. To view the rates please see the attached 2022 Insurance Rate Sheet.

3. Vision Buy Up Insurance Plan:

Vision benefits will continue to be offered through UniCare in collaboration with Anthem. The UniView vision plan offered by UniCare is a voluntary buy-up plan. There are no changes in coverage. For complete details regarding services available please see the link for UniView Vision. To view the rates please see the attached 2022 Insurance Rate Sheet.

4. Prescription Drug Coverage:

Anthem/IngenioRx will provide Prescription Drug Coverage for 2022.  

Prescription medicines or drugs are listed in groups called tiers. Your cost is based on which tier the drug is in. Tiers 1 and 2 usually include low-cost and generic drugs.

Once you’re a member, you can check the price of a drug at different pharmacies at www.anthem.com and see if there are lower-cost drugs available. Visit www.anthem.com/nationaldirect4tierva for the VA 4 Tier Drug List.

Home Delivery: Call the home delivery pharmacy at 1-833-203-1739 or the Pharmacy Member Services phone number on the back of your Anthem ID card. You can also pick up a 3-month (90-day) supply at CVS. When calling home delivery request to pick up a 90-day supply at CVS Pharmacy.

Important Reminders 

  • Walgreens retail pharmacies are no longer in the pharmacy network.
  • A participant’s in-network cost for a 30 day supply of insulin will be capped at $50 and $150 for 90 day supply (if not on the excluded drug list).
  • Preventive Drug List are subject to change at any time. The lists are developed and maintained by Anthem…and will be inflexible.

Co-pays are as follows:

PPO Plan 4

  • Your copay will be based on which tier the drug is in.  
  • Tier 1 and 2 usually include low-cost and generic drugs.
  • Visit www.anthem.com to find out your drug cost based on the tier.
  • Generic drugs on the preventive drug list will be covered at 100%.
  • For complete details see the Anthem Booklet for PPO Plan 4 and the Preventive Drug List located under the Anthem (Medical) Tab.

PPO Plan 7

  • No Copay
  • You pay the cost of the prescription based on which tier the drug is in.
  • The drug cost is applied to your annual deductible. Once this deductible is met for the year you pay $0.00 for prescriptions and medical.
  • Generic drugs on the preventive drug list will be covered at 100%.
  • For complete details see the Anthem Booklet for PPO Plan 7 and the Preventive Drug List located under the Anthem (Medical) Tab.

5. FSA (Flexible Spending Accounts) for 2022:

LD&B Benefits Administrators will continue to be the administrators of the Flexible Spending Account (FSA) for 2022.

  • The Health Care allowable contribution is $2,750.00. You still have until March 31st of the following year to submit expenses incurred in the current year.
  • HSC allows a Rollover option of unused funds at the end of the plan year. Participants may carry over health care balances up to $550.00 into the following plan year.
  • The maximum contribution amount for Dependent Care reimbursement is $5,000.00.
  • If you enroll in PPO Plan 7 (High Deductible Plan) with an HSA (Health Savings Account), you are eligible only for a "Limited Purpose" Flexible Spending Account. The eligible expenses under the "limited purpose" account are vision and dental charges that are not covered by your insurance.
  • Reminder: You MUST complete a new application every year in order to participate in the FSA. If you do not complete an application you will NOT be included in the plan for 2022.
  • For complete details please see the attached, FSA Enrollment Kit and Application for 2022 .

6. HSA (Health Savings Accounts) for 2022:

Health Savings Administrators will remain the administrator for our health savings accounts (HSA's) and the HSA Contribution Structures will remain the same for 2022.
Starting January 1, 2022, you can contribute $3,650 if you have employee only medical coverage or $7,300 if you have family coverage, (includes employee/spouse coverage).  Individuals age 55 or older can also make a catch-up contribution of $1,000 anytime during the year in which you turn 55.

  • An HSA is a savings account that can be used to reimburse eligible medical expenses, like doctor's visits, prescriptions, vision and dental expenses.
  • The money is deposited on a tax free (after tax contribution). Those funds remain tax free when used to pay or reimburse for eligible healthcare expenses.
  • The College will make a front load contribution in January and will make an additional matching contribution each month based on the employee's coverage.
  • Who is eligible for an HSA?
    • You must be covered under an HSA-qualified health plan on the first day of the month.
    • You must not be covered by any other health plan, including a spouse's health insurance.
    • You must not be covered by your own or a spouse's flexible spending account (FSA).
    • You must not be enrolled in any part of Medicare or Tricare.
    • You must not be claimed as a dependent on another person's tax return.
  • For complete details please see the attached, HSA Contribution Structures and HSA Enrollment & Agreement Form for 2022.
  • HSA Administrator's Customer Service is also available to answer any questions you might have about your current HSA.  Call 1-888-354-0697 or email them at askus@HealthSavings.com.

7. MetLife Supplement Insurance Plans 2022:

MetLife will continue to provide supplemental plan options for 2022.  If you are currently participating in the Supplemental Insurance Plans and do not want to make a change no action is required by you.  If you want to enroll or make a change in coverage you will need to complete the attached MetLife Enrollment Form.  You can select from the following plan options:

  • Short Term Disability
  • Supplemental Term Life (Maximum of $100,000.00 for employee and $50,000.00 for spouse without a Health Statement)
  • Accident
  • Critical Illness
  • For complete details regarding these plan options and to access the enrollment form please click on the below Supplemental link.  Effective date of coverage will be January 1, 2022.

8. Live Health Online:

LiveHealth Online is a virtual physician visit service that is more convenient and a cheaper alternative for routine types of illnesses or injuries. For complete details regarding this service please see the attached LiveHealth Online Information Sheet.  

9. Health Advocate Services:

VPC Benefits Consortium has partnered with HealthAdvocate, the nation's leading healthcare advocacy and assistance company, to help members find providers, clarify treatment options and manage your health and well-being.  This service is available to employees, their spouses, dependent children, parents and parents-in-law.  Below are just a few items that an advocate can help you with:

  • Finding the right doctor
  • Clarify benefit coverage
  • Help schedule appointment and second opinions
  • Resolve billing and insurance claim issues
  • Assist in transfer of medical records
  • Explain conditions
  • Help arrange eldercare services

You can reach HealthAdvocate Services by phone at 866-695-8622, by email at answers@HealthAdvocate.com or online at www.HealthAdvocate.com/VPCBC.  For complete details please see "HealthAdvocate".

10. Anthem's Sydney App:

You've got quick access to your health care on the Sydney mobile app.  Register on anthem.com or the Sydney mobile app.  See the Sydney mobile app. information.

11. Employee Assistance Program

Provides assistance for your everyday questions and problems, big or small, by phone, in-person or online, 24/7.  See the EAP attachment for complete details.


Instructions for Completing Application Forms:

Medical (Anthem), Dental (Delta), Vision (UniView)

  • Applications should be completed only if changes are being made. 
  • Applications for each benefit are located below.
  • Applications should be sent to:
    • Debbie Herndon, Benefits Manager, at one of the following:
      Email to: dherndon@hsc.edu
      Fax to: 434-223-7049
      Mail to: Campus Box 25 
      Delivered to: HR, 102 Gilkeson

All applications must be RECEIVED by 5:00 pm on Friday, November 12, 2021.

Important Reminders:     

  • After Open Enrollment is closed, elections can only be made during the plan year if you experience a qualifying event. Otherwise you must wait until the next open enrollment period. A list of qualifying events can be located below under HIPAA Special Enrollment Rights.
  • Premiums will be adjusted to the percentage applicable to your current salary based on the new salary classifications and tiers.
  • For 2022 all medical plan options are non-grandfathered and are fully compliant with the required provisions established through national Health Care Reform legislations. (See Non-Grandfathered Status link below).
  • Rights under the new Health Care Reform laws and each states Children's Health Insurance Plans are included (See Reequired Notices link below for complete details).
  • For your convenience I have also attached a "Vendor Contact Information List."  See below for the link.

Medical/Dental/Vision/Supplemental Insurance

Anthem (Medical/Prescription): Information Booklet
Insurance Rates:  Plan 4
Insurance Rates:  Plan 7

Summary of Benefits and Coverage Plan 4

Summary of Benefits and Coverage Plan 7
Preventative Care
Anthem Preventative Prescription List
LiveHealth Online
Non-Grandfathered Status
Women's Health & Cancer Rights Act
Coverage for Spectrum Disorder
HIPAA Special Enrollment Rights
  HIPAA Privacy Notice
  Summary of Wellness Services
Newborns and Mothers Health Protection Act
COBRA Continuation Coverage Rights
Required Notices
Vendor Contact List
  Application
Election Participation Form
Spousal Affadavit
Delta (Dental): Information On Low Option
  Information on High Option
  Delta Dental Network Providers
  Application
UniView (Vision):                 Information Booklet on High Option
  UniCare Member Online Services
  Application

                                                                      

Flexible Spending Accounts

LD&B (FSA): Information Enrollment Packet
  HIPAA Privacy Notice LD&B
  Application
  FSA Direct Deposit Form

Health Savings Account

(HSA)Health Savings Administrators:    HSA Contributions Structures
                                                       HSA Enrollment and Agreement Form

MetLife Supplemental Insurance

Enrollment Form
Short-term Disability
Supplemental Term Life
Accident
Critical Illness