2019 Medical Plans

Aetna is our medical carrier for 2019. Through Aetna, we offer a wide range of tools and programs to help enhance your coverage and improve the health of you and your family. This year, we are offering two plan options through Aetna for you to consider: the SC PPO and the SC HSA.

  • The SC PPO plan features traditional copays and coinsurance costs.
  • The SC HSA plan offers you the option to contribute to a health savings account (HSA) and receive a pre-tax benefit for any funds deposited into the account.

2019 Dental Plans

Studies show that good oral hygiene can contribute to your overall health. That makes it more important than ever to get regular dental checkups. MetLife is our 2019 dental carrier, offering an Enhanced or Basic Plan. MetLife dental is designed to encourage good dental health, and we assist you by sharing some of the costs of dental services. The Enhanced and Basic plans both offer in-network and out-of-network benefits, but if you visit a dentist in-network, your costs will be lower. MetLife dental ID cards are not required to receive dental services but will be available online for Associates to download and print.

2019 Vision Benefits

SC offers vision coverage for eye exams, lenses or contacts, and frames. Our vision carrier, Vision Service Plan (VSP), offers a network of vision care providers representing both private practice as well as many large retail chain vision care providers. VSP offers a Basic Plan or an Enhanced Plan which features larger annual allowances for lenses and frames.

*Note: For all positions, medical, dental and vision benefits go into effect the first day of employment.

Flexible Spending Accounts

Flexible spending accounts through Discovery Benefits allow you to set aside pre-tax dollars to cover eligible expenses. The amount you choose to contribute to your account will be deducted from your paycheck over 26 bi-weekly payments in 2019.

Some card purchases and all paper-claims purchases may require additional proof through the www.discoverybenefits.com website or mobile app. Be sure to save receipts showing the date, description of item/service, and provider/service name.

When you first enroll in the health care or limited health care spending account, you will receive a debit card from Discovery Benefits. If you already have a card from 2018, you will continue to use it, unless your card has expired, then you would receive a new card in the mail

Health Care Spending Account

A health care spending account (HCSA) covers eligible medical, dental and vision expenses. Associates who enroll in the SC HSA plan are eligible to enroll in the HCSA. You can make an annual contribution of up to 2019 IRS limits (Individual = $3,500; Family = $7,000). SC will contribute $600 for single coverage and $1,200 for family coverage in 2019. The total annual contribution includes the combination of both the Associate’s contribution and the SC employer contribution.. . If you’re over 55, the IRS allows you to contribute an additional $1,000.

Limited Health Care Spending Account

Associates enrolling in the SC HSA plan may also enroll in a limited health care FSA to cover eligible dental and vision expenses only. You can set aside from $100 to $2,650 per year for eligible expenses.

Dependent Care Spending Account

The dependent care spending account (DCSA) reimburses you for expenses that you incur caring for your dependents while you and your spouse are at work. Eligible dependents include both children and incapacitated adult dependents.

Common eligible expenses for DCSA are:

  • Licensed nursery school and day care facilities for your children
  • Child care in or outside your home
  • Day care for an elderly or disabled dependent
  • Summer day camp

For 2019, dependent care annual household contribution limits are $5,000 if you are single or married but filing jointly, and $2,500 if you are married and file a separate tax return.

Wellness

At SC, we’re actively looking for ways to improve our Associates’ quality of life. We offer a wide range of tools and resources to help you and your family improve your health. This year we are streamlining all of our tools and resources under Aetna, our medical partner, which will make access to programs easier and simpler for you when you need them most.

Aetna’s personalized online tools and resources will help turn your knowledge about your health into action to start making positive health changes. Program resources include an online health assessment to help you better understand your health needs and goals, tailored health reports, and reminders to help you stay on track. The program also includes online interactive health coaching designed to help you reach your health goals at your own pace. The coaching programs are divided into smaller steps so you can take your time and track progress toward your goals.

Coaching programs include:

  • Be Tobacco Free
  • Diabetes Life: Type 2
  • Healthy Back
  • Heart-Healthy Cholesterol
  • Stress Less
  • Weigh Less
  • Live Well with Asthma
  • Eat Healthier, and more

Tuition Reimbursement

At SC, we value continuous learning and development. Associates in good standing with at least six months of continuous service are eligible to apply for tuition reimbursement for undergraduate and graduate degrees.

Undergraduate Eligibility:

  • Undergraduate degrees that are business related
  • Full-time Associates are eligible to receive up to $3,000 per calendar year
  • Part-time Associates are eligible to receive up to $1,500 per calendar year

Graduate Eligibility:

  • Graduate degrees directly related to the job, or specific duties and responsibilities of the Associate’s current role
  • Grade of C or passing a pass/fail course = 50 percent reimbursement
  • Part-time Associates are eligible to receive up to $2,500 per calendar year

Reimbursement is provided after an Associate successfully completes approved courses according to the following grade-based schedule:

  • Grade of A or B = 100 percent reimbursement
  • Grade of C or passing a pass/fail course = 50 percent reimbursement
  • Grade of D or F, or failing a pass/fail course = 0 percent reimbursement

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