Benefits – Insurance

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. Two 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.

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

View benefit summaries:

• 2023 Rate Sheet
• HSA 2023
• Base Plan – Blue Access Choice (BJC)
• Base Plan – Blue Preferred Select (Non-BJC)
• HSA – Blue Access Choice (BJC)
• HSA – Blue Preferred Select (Non-BJC)
• Enrollment/Change Form

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

• 2023 Rate Sheet – Dental 
• Delta Dental Benefit Summary
• Enrollment/Change Form – Dental

Dental Resources

• Delta Dental Videos 
• Delta Dental Health & Wellness

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.

2023 Vision Rate Sheet

EyeMed Benefit Summary

Enrollment/Change Form – Vision

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

• Basic Life/AD&D Insurance (College Paid) Benefit Summary
• Supplemental/Optional Life/AD&D Insurance Summary & Rates
• Anthem Resource Advisor Flyer

Forms

• Life Insurance Change Form 
• Life Insurance Beneficiary Designation Form

Flexible Spending Accounts (FSA) allow you to set aside money from your 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 $3,050.  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 $3,050. 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

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

Medicare Advantage – United Health Care (UHC) 

UHC Virtual Retiree

2022 Plan Guide

East Central College Plan – Anthem 

2023 Rate Sheet – Retirees

Base Plan Blue Access Choice (BJC)

Base Plan Blue Preferred Select (Non BJC)

HSA Blue Access Choice (BJC)

HSA Blue Preferred Select (Non-BJC)

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

2023 Rate Sheet – Dental 

Delta Dental Benefit Summary

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

2023 Rate Sheet – Vision 

EyeMed Benefit Summary

EyeMed Virtual Benefit Guide (password AZ85YBB4)

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

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.

The Basics of a Health Savings Account