A personal tax-free savings account for healthcare expenses and investing. 

Use the below information to determine if a Health Savings Account (HSA) is right for you and how to best take advantage of an HSA account.

How It Works

You can enroll in a Health Savings Account (HSA) to experience tax savings on qualified healthcare expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and prescriptions. There is no use-or-lose rule, meaning you can save and invest when you can or spend on eligible healthcare expenses as needed.

To enroll in a HSA, you must already be enrolled in an HSA-qualifying high deductible health plan (HDHP).

As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.

The Value & Perks

– Triple Tax Savings: Every dollar you contribute to an HSA lowers your taxable income, funds grow tax-free, and withdrawals for qualified expenses are tax-free.

– Employee-Owned: It’s a personal savings account owned by you. Which means you can keep it even if you switch health plans, change jobs, or retire. You’ll receive an Ameriflex Debit Mastercard linked to your HSA that can be used for eligible purchases everywhere Mastercard is accepted.

– Investing & Saving: You can save and invest your funds with over 30 investment options. HSA funds roll over year to year, allowing long-term growth if there are no immediate spending needs.

– $1,000 Investment Threshold: While many HSA administrators require a $2,000+ account balance before funds can be invested, Ameriflex has a modest $1,000 investment balance requirement, allowing participants to invest their money faster.

– Catch-Up Contributions: Individuals ages 55 and older who are not enrolled in Medicare can make an additional $1,000 catch-up contribution to their HSA.

– No Hidden Fees: We don’t believe participants should have to pay extra fees to reach their full savings potential. By eliminating hidden fees, participants keep more of their hard-earned money for current and future health needs.

– Easy Spending and Account Management: You will receive an Ameriflex Debit Mastercard linked to your HSA. You can use your card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.

Eligible HSA Expenses

The IRS determines what expenses are eligible under an HSA. Below are some examples of common eligible expenses:

– Deductibles

– Copays

– Prescriptions

– Dental work and orthodontia

– LASIK

– Glasses and contact lenses

– Band-aids

– Sunscreen

For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.

HELPFUL TIPS:

– If you are a new employee and unable to log into the online system, please speak with the Benefits Representative assigned to your location, or contact Human Resources.

– If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30am and 5:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmony.benselect.com/winchester
– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
– Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)
Your password must have: 1 lowercase letter, 1 uppercase letter, 1 number, and 8 characters minimum.
Your password cannot include: first name, last name, spaces, special characters (such as ! $ % &), or User ID.

2. The screen prompts you to create a NEW PIN [__________].

3. Choose a security question and enter answer [__________].

4. Confirm (or enter) an email address.

5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

6. From the welcome screen click “Next”.

7. The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.

8. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.

9. The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.

– HEALTH SAVINGS ACCOUNT Enter annual amount. EMPLOYEE EMPLOYEE MAX $3,850/year FAMILY MAX $7,750/year
HSA plans can only be established in conjunction with a qualified High Deductible Health Plan (HDHP).
Winchester Public Schools contributes $1,000 annually to the HSA for each enrolled participant in the HDHP. New hires throughout the year will receive a pro-rated contribution amount.

– HEALTH CARE CARE FSA: Enter annual amount. MAX $3,050/year

– LIMITED PURPOSE FSA: Enter annual amount. MAX $3,050/year
Limited Purpose FSA funds can only be used for qualifying vision, dental and orthodontia expenses.

– DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year

– CANCER ASSIST
You may enroll online in Cancer Assist coverage.

– DISABILITY – EDUCATOR 1.0
You may enroll online in Educator 1.0 coverage.

– ACCIDENT 1.0
You may enroll online in Accident 1.0; however, persons over age 64 applying for coverage and employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– MEDICAL BRIDGE
You may enroll online in Medical Bridge coverage.

– CRITICAL ILLNESS 6000
You may enroll online in Critical Illness 6000 coverage.

– TERM LIFE 5000
You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– WHOLE LIFE 5000 Plus
You may enroll online in Whole Life 5000 Plus; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

14. Click ‘Download & Print’ to print a copy of your elections, or download and save the document. Please do not forget this important step!

15. Click ‘Log Out’.

IN-PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.

ONLINE

You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmony.benselect.com/winchester

ENROLLMENT PERIOD: MAY 2, 2023 – MAY 16, 2023

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE ENROLLMENT PERIOD:

– Enroll, change or cancel your Health Savings Account (HSA).

– Enroll/Re-Enroll in Flexible Spending Accounts* (Medical, Limited Purpose and Dependent Care).

– Enroll in, change or cancel Colonial coverage.

*You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.

THE FOLLOWING BENEFIT ELECTIONS MUST BE MADE WITH YOUR BENEFITS REPRESENTATIVE DURING THE ENROLLMENT PERIOD AND ARE NOT AVAILABLE FOR ONLINE ENROLLMENT.

– Enroll, change or cancel The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision).

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

You can view details about your benefits, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized Pierce Group Benefits website. Our website is also mobile friendly, making it easy to view your plan information on the go!

IMPORTANT NOTE & DISCLAIMER

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Pre-Tax Benefits

Health Insurance: The Local Choice – Anthem

Vision Insurance: The Local Choice – Blue View Vision

Dental Insurance: The Local Choice – Delta Dental of VA

Health Savings Accounts: Ameriflex
– Employee Maximum $3,850/year
– Family Maximum $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
Winchester Public Schools contributes $1,000 annually to the HSA for each enrolled participant in the HDHP.
New Hires may receive the full contribution or a pro-rated amount dependent upon hire date.

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement FSA Maximum: $3,050/year
– Limited Purpose Reimbursement FSA Maximum: $3,050/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Dependent Care Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2023.

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

 

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

 

Additional Benefits

Student Loan Assistance Program: GradFin

 

Please note your insurance products will remain in effect unless you speak with a representative to change them.

 

Enrollment Period: MAY 2, 2023 – MAY 16, 2023

Effective Dates: JULY 1, 2023 – JUNE 30, 2024

 

QUALIFICATIONS:

– All full-time employees are eligible for benefits.

IMPORTANT FACTS:

– The plan year for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Health Savings Accounts, Spending Accounts, and Colonial Insurance products lasts from July 1, 2023 through June 30, 2024.

– Deductions for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision) will begin June 2023. Deductions for Health Savings Accounts, Spending Account and Colonial Insurance products will begin July 2023.

– If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify your HR department.

– Flexible Spending Account expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

– An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 30 days after the termination date to submit claims.

– With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

– As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.

– The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2023.

– Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.

Colonial Life

• File A Claim
• Colonial Service Guide for Policy Holders
• Colonial Service Forms

Health & Vision

• Anthem Contact Information
• Anthem Provider Search
• Sydney Health App Download
• Privacy Notice
• Marketplace Notice
• Women’s Health and Cancer Notice
• Adverse Benefit Determination Notice

Dental

• Delta Dental VA Contact Information
• Delta Dental VA Provider Search / Member Login
• Mobile App Download: Apple App Store | Google Play Store

Group Term Life

• Principal Website

Legal

• Legal Resources Website

Student Loan Assistance Program

• GradFin Enrollment Portal

Health Savings Accounts

• HealthEquity Contact Information
• HealthEquity Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The HSA Store
• The HSA Store Contact Information
• The HSA Store Eligibility List

Available 24/7, 365 days a year.

Life can be full of challenges. Your Anthem Employee Assistance Program (EAP) is here to help you and your household members. EAP offers a wide range of no-cost support services and resources, including:

Counseling

– Up to 4 visits per issue
– In-person or online visits
–  Call EAP or use the online Member Center to initiate services

Legal consultation

– 30-minute phone or in-person meeting
– Discounted fees to retain a lawyer
– Free legal resources, forms, and seminars online

Financial consultation

– Phone meeting with financial professionals
– Regular business hours; no appointment required
– Free financial resources and budgeting tools online

ID recovery

– Help reporting to consumer credit agencies
– Assistance with paperwork and creditor negotiations

myStrength

– Online “health club for your mind”
– E-learning modules and mood trackers
– Library of videos, articles and inspirational quotes
– Supports development of personal action plans

Dependent care and daily living resources

– Online information about child care, adoption, elder care, and assisted living
– Phone consultation with a work-life specialist
– Help with pet sitting, moving, and other common needs

Other anthemEAP.com resources

– Well-being articles, podcasts, and monthly webinars
– Self-assessment tools for emotional health issues

Crisis consultation

– Toll-free emergency number; 24/7 support
– Online critical event support during crises

When something unexpected happens, EAP can help you figure out your next steps. Contact us today.

We are ready to support you! You can call us at 800-865-1044, or go to anthemEAP.com and enter your company code:

HEALTH SAVINGS WITH ZERO GUESSWORK

Your Health, Simplified

Everyday health and wellness essentials all in one place and guaranteed eligible. Pierce Group Benefits partners with the HSA Store to provide one convenient location for Health Savings Account holders to maximize their long-term health savings and help ease the financial burden of medical needs, should they arise. Through our partnership, we’re also here to help answer the many questions that come along with having a Health Savings Account!

– The largest selection of guaranteed HSA-eligible products

– Phone and live chat support available 24 hours a day / 7 days a week

– Fast and free shipping on orders over $50

– Use your HSA card or any other major credit card for purchases

Other Great HSA Store Resources Available To You

– Eligibility List: A comprehensive list of eligible products and services

– HSA Calculator: Estimate how much you can save with an HSA

– Learning Center: Easy tips and resources for living with an HSA

– Savings Center: Where you can save even more on HSA-eligible essentials

– HSAPerks: Take your health and funds further with the HSA Store rewards program

Shop HSA Eligible Products Through Our Partnership with The HSA Store!

BONUS: Get $20 off any order of $150+ with code PGB20HSA (one use per customer).

 

NEED HELP? WE’VE GOT YOU COVERED!

HSA Store Customer Service

HSA Store Frequently Asked Questions

Getting Started

If you are new to HSAs, follow these steps to optimize your account and put you on the pathway to building health savings.

Activate Your Debit Card

Once your HSA is opened, you will receive a member welcome kit including a HealthEquity Visa Health Account Card.1 Activation instructions are included in the envelope. You can also speak to one of our account mentors to activate your card and receive additional insight into your account.

Log On

Sign in to the member portal by visiting www.MyHealthEquity.com. If it is your first time logging in, select ‘Create user name and password’ and follow the step-by-step process to verify your account. Once you are logged in, complete the following:

– Add a beneficiary to ensure your HSA benefits your loved ones in the event of your death.

– Elect to receive eStatements to avoid a monthly statement fee.

– Navigate the portal and familiarize yourself with its features and capabilities. A comprehensive portal guide can be found starting on page 18.

Start Saving

Decide how you will begin building your health savings:

– Paycheck contributions: If your account is offered through your employer, you may make regular pre-tax contributions from your paycheck. Talk to your benefits department for assistance.

– Transfer an existing HSA: If you already have an HSA with another administrator, transfer your existing HSA balance to HealthEquity to consolidate your savings while taking advantage of other incentives. For more information, visit www.HealthEquity.com/DoubleIt.

– Electronic funds transfer (EFT): Using EFT, you can make a one-time, post-tax contribution or schedule automatic HSA contributions from your personal bank account. To set up an EFT, log in to your HealthEquity account. From the ‘My Account’ tab, hover over ‘HSA’ and select ‘Make Contribution.’

How It Works

At the doctor’s office…

1. Receive services. With an HSA-qualified plan, copays are not typically required at the time of service. Be sure to present your insurance ID card. If your healthcare provider requires a deposit, it will be applied to your invoice.
2. Provider bills health plan. Provider submits a claim to your health plan for services provided.
3. Health plan sends EOB. An explanation of benefits (EOB) is sent to you outlining the negotiated or allowed charges and summarizes your year-to-date deductible and co-insurance totals. In some cases, your health plan may send a copy of your claim to HealthEquity, which will appear in the member portal.
4. Provider sends invoice. The provider sends you an invoice, or statement, reflecting the allowed charges. Make sure the amount matches the EOB sent by your health plan. If not, contact your health plan.
5. Pay invoice with HSA. You can pay for qualified medical expenses with your HSA debit card or create an online payment that is sent directly to the provider or as a reimbursement to you.

At the pharmacy…

1. Obtain prescription. Obtain a legal prescription from your doctor for required medication and present it, along with your insurance ID card, at the pharmacy.
2. Pharmacy verifies insurance coverage. The pharmacy checks with your insurance on-the-spot to determine the amount you owe for the prescription.
3. Pay for your prescription. The pharmacy fills your prescription and you pay the determined amount owed. The expense is automatically applied to your deductible or coinsurance. Your HSA debit card is a convenient method of payment.

Over-the-counter medication…

The IRS does not allow HSA funds to be used for over-the-counter (OTC) medicines without a prescription. You can ask your doctor to write a prescription for OTC medicines or supplies that you frequently use so that you can use your HSA to pay for these items.

Want to Manage Your Account on the go?

Benefits have never been this easy. Download the HealthEquity mobile app, available through the App Store or Google Play, and manage everything in only a few taps and swipes.

– On the go access and history: Access all account types wherever you go.

– Photo documentation: Take a photo with your device to initiate claims and payments.

– Send payments and reimbursements: Send payments to providers or reimburse yourself for out-of-pocket expenses.

– Manage debit card transactions: Link your debit card transactions to claims and documentation.

– Initiate claims and view their status: View the status of claims as well as link payments and documentation to claims.

Member Help Center and Support

The HealthEquity Help Center is your source for helpful guides, answers to your questions, and access to our helpful Member Services Team.

Call: 866.346.5800

Send a Message: www.answers.healthequity.com/app/ask

HSAs are an easy win in today’s complex healthcare system.

How an HSA works

An HSA paired with an HSA-qualified health plan allows you to make tax-free1 contributions to an federally-insured savings account. Balances earn tax-free interest and can be used to pay for qualified medical expenses. HSA-qualified health plans typically cost less than traditional plans and the money saved can be put into your HSA.

HSAs empower savings:

– Lower monthly health insurance premiums

– Money put into your HSA is not taxed

– You earn tax-free interest on HSA balances

– HSA funds used for qualified medical expenses are not taxed

– You can invest your HSA funds for increased tax-free earning potential

HSA funds remain yours to grow

With an HSA, you own the account and all contributions. Unlike flexible spending accounts (FSAs), the entire HSA balance rolls over each year and remains yours even if you change health plans, retire or leave your employer.

You can win with an HSA

Regardless of your personal medical situation, an HSA can empower you to maximize savings while building a reserve for the future. Contrary to what many may think, healthy individuals aren’t the only users who benefit from an HSA.

HELPFUL TIPS:

– If you are a new employee and unable to log into the online system, please speak with the Benefits Representative assigned to your location, or contact Human Resources.

– If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30am and 5:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmony.benselect.com/toc
– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
– Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)
Your password must have: 1 lowercase letter, 1 uppercase letter, 1 number, and 8 characters minimum.
Your password cannot include: first name, last name, spaces, special characters (such as ! $ % &), or User ID.

2. The screen prompts you to create a NEW PIN [__________].

3. Choose a security question and enter answer [__________].

4. Confirm (or enter) an email address.

5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

6. From the welcome screen click “Next”.

7. The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.

8. The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.

9. The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.

– HEALTH & VISION BENEFITS: You may enroll online in Health and Vision coverage.

– HEALTH SAVINGS ACCOUNT (Choose one of the options and click ‘Save & Continue’): Enter annual amount. EMPLOYEE MAX $3,850/year FAMILY MAX $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP).

– DENTAL: You may enroll online in Dental coverage.

– VOLUNTARY GROUP TERM LIFE: You may enroll online in Group Term Life coverage.

– LEGAL PLAN: You may enroll online in Legal coverage.

– CANCER ASSIST
You may enroll online in Cancer Assist coverage.

– DISABILITY 3000
You may enroll online in Disability 3000 coverage.

– ACCIDENT 1.0
You may enroll online in Accident 1.0; however, persons over age 64 applying for coverage and employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– MEDICAL BRIDGE
You may enroll online in Medical Bridge coverage.

– CRITICAL ILLNESS 6000
You may enroll online in Critical Illness 6000 coverage.

– WHOLE LIFE 5000 Plus
You may enroll online in Whole Life 5000 Plus; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

14. Click ‘Download & Print’ to print a copy of your elections, or download and save the document. Please do not forget this important step!

15. Click ‘Log Out’.

IN-PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.

ONLINE

You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmony.benselect.com/toc

ENROLLMENT PERIOD: MAY 1, 2023 – MAY 16, 2023

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE ENROLLMENT PERIOD:

– Enroll in, change or cancel Health and Vision Insurance.

– Enroll in, change or cancel Health Savings Account (HSA).

– Enroll in, change or cancel Dental Insurance.

– Enroll in, change or cancel Voluntary Group Term Life Insurance.

– Enroll in  your Legal Select Plan.

– Enroll in, change or cancel Colonial coverage.

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

You can view details about your benefits, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized Pierce Group Benefits website. Our website is also mobile friendly, making it easy to view your plan information on the go!

IMPORTANT NOTE & DISCLAIMER

This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Pre-Tax Benefits

Health & Vision Insurance: Anthem

Dental Insurance: Delta Dental

Health Savings Accounts: HealthEquity
– Employee Maximum $3,850/year
– Family Maximum $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
The Town of Christiansburg will contribute $1,000 for individual coverage and $2,000 for dependent coverage.
The employee must contribute $2.50 per pay period to receive the employer contribution.

 

Post-Tax Benefits

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

 Disability Benefits**: Colonial Life

Critical Illness Benefits: Colonial Life

Group Term Life Insurance: Principal

Whole Life Insurance: Colonial Life

Legal Select Plan: Legal Resources

 

Additional Benefits

Student Loan Assistance Program: GradFin

 

**Please note: The Colonial Life Voluntary Short-Term Disability plan is only available to VRS Plan 1 and Plan 2 employees.

 

Enrollment Period: MAY 1, 2023 – MAY 16, 2023

Effective Dates: JULY 1, 2023 – JUNE 30, 2024

 

QUALIFICATIONS:

– Employees must work 30 hours or more per week are eligible for benefits.

– New hires are eligible the first of the month following date of hire, or on the first day of the month if hired on the first.

IMPORTANT FACTS:

– The plan year for Anthem Health and Vision, Delta Dental, Principal Group Term Life, Health Savings Accounts, Spending Accounts, Colonial Insurance products, and Legal Resources Legal Select Plan lasts from July 1, 2023 through June 30, 2024.

– Deductions for Anthem Health and Vision, Delta Dental, Principal Group Term Life, Health Savings Accounts, Spending Accounts, Colonial Insurance products, and Legal Resources Legal Select Plan will begin July 2023.

– Your employer offers an Employee Assistance Program (EAP) for you and your eligible family members. An EAP is an employer-sponsored benefit that offers confidential support and resources for personal or work-related challenges and concerns. Please see the EAP pages of this benefit booklet for more details and contact information.

– If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify the Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

– As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.

– The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2023.

– Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.

Colonial Life

• File A Claim
• Colonial Service Guide for Policy Holders
• Colonial Service Forms

Health

• Anthem Contact Information
• Anthem Provider Search
• Sydney Health App Download
• Privacy Notice
• Marketplace Notice
• Women’s Health and Cancer Notice
• Adverse Benefit Determination Notice

Dental

• Delta Dental VA Contact Information
• Delta Dental VA Provider Search / Member Login
• Mobile App Download: Apple App Store | Google Play Store

Vision

• Aetna Vision Member Login
• Aetna Vision Provider Search

Long Term Disability

• The Hartford Member Login
• The Hartford Contact Information

Student Loan Assistance Program

• GradFin Enrollment Portal

Health Savings Accounts

• Flex Facts Contact Information
• Flex Facts Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The HSA Store
• The HSA Store Contact Information
• The HSA Store Eligibility List