2018 Medical Plans
Aetna is our medical carrier for 2018. 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.
2018 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. Starting in 2018, MetLife will be our 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.
2018 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 of the month following your hire date.
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 2018.
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 2017, you will continue to use it.
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 not eligible to enroll in the HCSA. You can set aside from $100 to $2,650 per year for eligible expenses. The entire amount of your election is available on the first of the year.
Limited Health Care Spending Account
Associates enrolling in the SC HSA plan may also enroll in a limited use 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 2018, dependent care annual household contribution limits are $5,000 if you are single or married but filing jointly, and $3,600 if you are married and file a separate tax return
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 towards 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