Benefits – Insurance

Medical
Dental
Vision
Life/AD&D
Flexible Spending Accounts (FSA)
Retiree

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 Rate Sheet

View benefit summaries:

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

Anthem Virtual Benefit Guide

HEALTH SAVINGS ACCOUNT  

HSA Payroll Contribution Form

The Basics of an HSA


HSA Tax & Investment Advantages

Dental

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)

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)

NOW AVAILABLE:

Virtual Open Enrollment for 2021 Insurance Benefits.

All full-time employees must complete the benefit enrollment online in your eCentral account for 2021 benefits. Please note even if you do not plan to make any changes, you still need to enroll online. Open Enrollment will close on November 30, 2020.

Click here to start the enrollment process.

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