Benefits – Insurance


Medical
Dental
Vision
Life/AD&D
Flexible Spending Accounts (FSA)
Retiree
Retirement
Health Savings Account
Voluntary Insurance Benefits

How to enroll in employee benefits.

Medical

The College offers medical insurance to full-time employees with Anthem Blue Cross and Blue Shield which includes a base plan (traditional PO) and a qualified high-deductible (HSA) plan with a health savings account. The plans include the choice between two networks. Three of the four employee only plans include no premium cost for the employee. The employee may add spouse and/or children at an additional cost. With the qualified high-deductible plan (HSA), the College contributes an established amount to the health savings account for employee only coverage or this amount offsets the cost of spouse/dependent coverage. Prescription coverage is included under the base and qualified high-deductible plans. For more information about health insurance coverage, visit Anthem.

2021 Medical Insurance Rate Sheet

View benefit summaries:

Not sure which plan you currently have? Click here to find out.

Anthem Virtual Benefit Guide

Anthem FAQs – COVID

The College pays the dental insurance premium for all full-time employees. The employee may add spouse and/or children at an additional cost. For more information about your dental coverage, visit Delta Dental.

Insurance Information

Dental Resources

Vision

The College pays the vision insurance premium for all full-time employees. The employee may add spouse and/or children at an additional cost. For more information about your vision coverage, visit EyeMed.

2021 Vision Rate Sheet

EyeMed Benefit Summary

EyeMed Virtual Benefit Guide (password AZ85YBB4)

Enrollment/Change Form – Vision

Life / AD&D

All full-time employees are insured with a $50,000 life insurance policy. Additional life insurance can be purchased by employees. Employees can purchase supplemental/optional/ life/AD&D for self and/or dependents.

Insurance Information

Forms

Flexible Spending Account (FSA)

Flexible Spending Accounts (FSA) allow you to set aside money from you paycheck on a pretax basis to pay for medical and child/elder care expenses.

Types of FSAs

  • Medical – for employees enrolled in the Base Plan. Use for our of pocket medical, dental, vision and hearing expenses for you, your spouse and any of your dependents (even if they are on a different insurance plan). Annual Maximum Contribution $2,750.  More information here.
  • Limited Purpose – for employees enrolled in the High Deductible Plan (HSA). Use for out of pocket dental, vision and hearing expenses for you, your spouse and any of your dependents (even if they are on a different insurance plan). Annual Maximum Contribution $2,750. More information here.
  • Dependent Care – can be used for work-related child care expenses and/or older tax dependents who are not capable of self-care. Annual Maximum Contribution up to $5,000 per household. More information here .

Not sure how much to contribute? Click here for a breakdown.

FSA Overview

FSA Over The Counter

FSA Grace Period

Retiree

Medical

The College offers medical insurance and/or Medicare Advantage plan for retirees.  For more information about your coverage, click a plan summary below.

Medicare Advantage – United Health Care (UHC) 

UHC Virtual Retiree

2021 Medicare Plan Guide

2021 Medicare Annual Notice of Changes

2021 Your Medicare Plan Explained 

East Central College Plan – Anthem 

2021 Retiree Rate Sheet

Base Plan Blue Access Choice (BJC)

Base Plan Blue Preferred Select (Non BJC)

HSA Blue Access Choice (BJC)

HSA Blue Preferred Select (Non-BJC)

Dental

The College offers dental insurance for retirees. full-time employees.  For more information about your dental coverage, visit Delta Dental. 

View 2021 Dental Rate Sheet

View Delta Dental Benefit Summary

Delta Virtual Benefit Guide

Vision

The College offers vision insurance for retirees. full-time employees.  For more information about your vision coverage, visit EyeMed.

View 2021 Vision Rate Sheet

View EyeMed Benefit Summary

EyeMed Virtual Benefit Guide (password AZ85YBB4)

Retirement

All full-time employees are enrolled in the Public School and Education Employee Retirement Systems of Missouri (PSRS/PEERS) which provide service retirement, disability, and survivor benefits to nearly 130,000 active members and over 65,000  retired Missouri public school teachers, school employees, and their families. Faculty/Administrative/ Professional Staff employees are members of PSRS. Effective July 1, 2011, retirement is 14.5% contribution by the employee with matching contribution by the college into the Public School Retirement System (PSRS). Employees who are members of PSRS do not pay social security, only Medicare.

Support Staff employees are members of PEERS. Effective July 1, 2011, retirement is 6.86% employee contribution with matching contribution by the college into the Public Education Employee Retirement System (PEERS).

PSRS PEERS Conversion of Credit Hours

403(b), 457 (b), and Roth 403(b) Plans – Tax sheltered annuities are available to employees from the following companies: AIG Retirement Services (VALIC), American Funds, Equitable, Metropolitan Life Insurance Company, and TIAA-CREF.  For additional information on the 403b and 457 (b) plans visit TSA.

TSA Newsletter

TSA – Meaningful Notice/Plan Summary

Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt account used to pay for qualified medical expenses to help reduce your out-of-pocket maximum expenses. Contributions remain in your account until you use them, can earn interest, and is “portable” if you change employers or leave the workforce.

To be eligible to contribute to an HSA you must be covered by a qualified high deductible health plan (QHDHP) and you cannot be covered by any other health plan or enrolled in Medicare.

HSA Payroll Contribution Form 

HSA Banks

The Basics of a Health Savings Account


HSA Tax & Investment Advantages

Voluntary Insurance Benefits

The College offers Voluntary Benefit Plans through Mutual of Omaha. Click below to view more information about each plan.

View presentation slides here.

Contact us at (636) 584-6710 or hrecc@eastcentral.edu