WELCOME!
The open enrollment period for benefit elections effective January 1, 2023 begins Monday, October 17, 2022 and ends at 5:00 pm on Friday, November 11, 2022.
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 2023.
- Plan 4 (Low Deductible with a $20.00 co-pay, $40.00 Specialist co-pay and $750/$1,500 deductible amd Out-of-Pocket Maximum $3,250/$6,500)
- Plan 7 (High Deductible Plan with no co-pay and $3,000/$6,000 deductible)
- Program Enhancements include, Building Healthy Families replacing Future Moms, Virtual Primary Care, Hearing Discounts and Surgery Plus.
- Medical Insurance Rates for 2023 increased by 5.5%. However, H-SC absorbed the increase and employees will not have a premium increase for 2023. See the attached 2023 Rates Sheets.
- Salary Classifications and Tiers will remain the same for 2023. If you received a raise in 2022 and you moved into a new Tier your insurance premiums will be adjusted to the new rate for 2023.
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:
Low Plan Option: There will be no changes to annual maximums, co-pays or deductibles. The following plan design changes have been added for 2023.
Right Start 4 Kids - basic and major services covered at 100% for dependents up to age 13.
High Plan Option: The following plan design changes have been added for 2023.
Coverage for adult orthodontia
Annual calendar year maximum increased to $2,000 (from $1,500)
Orthodontia lifetime maximum increased to $2,000 (from $1,500)
Right Start 4 Kids – basic and major services covered at 100% for dependents up to age 13. See Right Start 4 Kids flyer
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. The rates have increased for 2023. See the 2023 Insurance Rate Sheet.
4. Prescription Drug Coverage:
Anthem/CareIon Rx will provide Prescription Drug Coverage for 2023.
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 2023:
Health Equite will serve as our new FSA Administator for 2023.
- The Health Care allowable contribution is $2,850.00. 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 $570.00 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 2023.
- For complete details please see the attached, Health Equity Informational Flyers for 2023.
6. HSA (Health Savings Accounts) for 2022:
Health Equity will remain as the administrator for our Health Savings Accounts (HSA’s) for 2023.
- Maximum HSA Contributions have increased for 2023.
- Annual Maximums: Individual - $3,850.00, Family - $7,750.00, and Catch-up Contribution - (if age 55 or older by 12.31.2023) $1,000.00.
- For complete details please see the attached, HSA Contribution Structures and Health Equity HSA flyer.
- If you would like to make changes to your contribution amounts please complete the attached 2023 HSA Payroll Deduction Form.
7. MetLife Supplement Insurance Plans 2023:
MetLife will continue to provide supplemental plan options for 2023. 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 with 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, 2023.
8. Live Health Online:
Anthem’s LiveHealth Online benefit allows you to visit with local board-certified doctors online via video using your phone or computer anytime, from practically anywhere.
- National provider network is available 24/7, including holidays to provide affordable quality care.
- Online physicians can diagnose, treat, and write prescriptions for routine medical conditions.
- Behavioral Health and Dermatology services are also available.
- Virtual Visit $5.00 co-pay for Plan 4 Low Deductible, $59.00 fee for Plan 7 High Deductible and $59.00 per visit for Non-Anthem members.
- Register today at livehealthonline.com.
9. Health Advocate Services:
- Hands-on-support for a variety of health and well-being issues.
- Compassionate, confidential help available 24/7.
- Unlimited access for all active, benefit-enrolled employees, and their eligible family members.
- Interactive mobile app and website.
- Provided by VPC at no cost to you!
- Contact information: 1-866-395-8622, Email: answers@HealthAdvocate.com or visit the website to register: HealthAdvocate.com/members
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
- Find child, elder, or pet care.
- Work on achieving work-life balance.
- Parent a child with special needs.
- Deal with addiction and recovery.
- Set retirement goals.
- Find mental health resources and information. (Free counselling sessions.)
- Address financial or legal issues.
- Contact information: 1-800-346-5484 or anthemEAP.com Enter Hampden Sydney College; HSC to log in for free, confidential help 24/7.
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
- Debbie Herndon, Benefits Manager, at one of the following:
All applications must be RECEIVED by 5:00 pm on Friday, November 11, 2022.
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 2023 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
Flexible Spending Accounts
| more information to come soon | |
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