Benefit Showcase

Welcome

Welcome

South County Health is pleased to provide you with a virtual summary of our benefit programs again in 2023. The programs offer excellent resources to ensure high-quality healthcare for you and your family and to help you maintain or improve your overall health and wellbeing.

We continue to offer affordable health coverage for services at SCH. With our staffs’ strong engagement in using SCH for care, we’ve managed to keep increases low and prevent increases to health insurance payroll contributions for those making less than $50K annually for 12 years, while maintaining our comprehensive benefits for our health plan. There will be no increase to contributions for dental and vision coverage in 2023.

Our virtual site highlights just some of the 2023 benefits available to you, so please review your applicable benefit guide below for a comprehensive summary of all benefit offerings, including eligibility and premium rate information.

New in 2023!

• South County Health will be introducing The BlueSolutions HSA Deductible Plan in addition to the existing VantageBlue Plan through Blue Cross Blue Shield of RI
• Eligible members will be able to enroll in the Livongo Whole Person Solution for diabetes, pre-diabetes and cardiovascular disease
• South County Health will enhance the familiar dental plan options including adding coverage for orthodontics for adults on Plan A, white composite fillings for back teeth on both plans, and one cleaning covered before deductible at no cost on Plan B 

Open Enrollment

Each year, you have the opportunity to make changes to your benefits elections for the upcoming plan year. Those elections will remain in effect until the end of the following plan year. At SCH, we conduct open enrollment during the month of November, with those elections being effective for the following calendar year (January 1st to December 31st).

All staff will continue to enroll in or waive benefits using the computer-based Employee Self-Service (ESS) platform. As was done last year, staff will be able to access ESS from an outside computer via most web browsers. Click “Enroll Today” to enroll in your 2023 benefits. Staff who are not changing their benefits coverage should log into ESS and confirm elections or waive benefits. Any required documentation, such as tax forms for spouses covered under the plan or birth certificates for new dependents can be scanned and emailed or dropped off in the HR office. 

Remember to Enroll by November 30, 2022!

Open enrollment is your one time annually to review and make changes to your benefits. Also, FSA elections must be re-elected each year.

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

Medical & Prescription Drug Insurance

Medical Insurance

South County Health is dedicated to maintaining and improving the health of our staff and is proud to offer you a comprehensive medical program that is affordable, enables staff to receive high-quality care, and is partnered with a focus on wellness, offering programs in support of protecting both your physical and financial health and improving your quality of life. For 2023, we are focused on choice. 

• New for 2023! To provide more choice for you and your family, SCH will also be adding The Blue Solutions HDHP in addition to the Vantage Blue PPO Plan. A HDHP also includes a Health Savings Account (HSA) where you own the money and can save for your health care needs
• The VantageBlue plan provides a comprehensive level of benefits structured to encourage preventative care and the use of a Patient-Centered Medical Home (PCMH). Regardless of which plan you enroll in, you will have access to the same broad national network of hospitals and physicians through the BCBSRI PPO BlueCard Network.
• If you enroll in the BlueSolutions HDHP, you'll be eligible to contribute to a health savings account (HSA), but you will not be able to participate in a flexible spending account (FSA) nor a health reimbursement account (HRA) per IRS guidelines. If you enroll in the VantageBlue PPO, you will be eligible to enroll in an FSA but will not be eligible to contribute to an HSA. Please refer to the FSA tab for more information.

New for 2023! 

Eligible SCH employees will have the option to participate in the Livongo program for support in managing diabetes, pre-diabetes or cardiovascular conditions. Keep an eye out for information from Livongo at your South County Health email address to learn more!

You Can Save Money By Utilizing South County Health!

Members enrolled in the medical plan can continue to save money by receiving services at South County Health! Employees enrolled in the VantageBlue Plan will have no deductible for most services provided by South County Health. Employees enrolled in BlueSolutions plan will have to meet a lower deductible for services provided by South County Health compared to the deductible for services from other in-network providers. Please note that for services that are not available at South County Health, deductibles, copays and coinsurance applies.

Prescription Drug Coverage

Prescription drug coverage is integrated with your Medical Insurance through Blue Cross Blue Shield of Rhode Island (BCBSRI). The 90DayMyWay® Pharmacy Program helps South County Health contain the rising costs of healthcare by requiring you to fill maintenance medication in 90-day increments either through mail order or through a participating retail pharmacy.

For More Information:

Contact Blue Cross Blue Shield of Rhode Island 

Health Savings Account (HSA)

The BlueSolutions HDHP includes a Health Savings Account (HSA) that is administered by London Health Administrators. Anything you contribute to HSA is tax free. The maximum contribution for an individual is $3,850, and the maximum contribution for family coverage is $7,750. South County Health will contribute $250 for individuals and $500 for an employee with dependents into their HSA. The HSA is portable, so you can take the money with you if you leave South County Health or retire. Funds also roll over from year to year, and you can take the money out anytime tax free for qualified medical expenses. 

HSA Eligibility Rules

1. You must be covered by South County Health's BlueSolutions HDHP
2. You cannot be covered by another health plan (including Medicare Part A or your spouse's medical plan)
3. You cannot be claimed as a dependent on another individual's tax return
4. You cannot be covered by an HSA and a Health Care Flexible Spending Account or Health Reimbursement Account at the same time. This applies to the South County Health's plan as well as a spouse's plan.

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

Dental Insurance

Dental Insurance

New for 2023!

• Dental Plan A will provide orthodontia coverage for adults in addition to dependent children
• Dental Plan B will provide your first cleaning at no cost to you (deductible will not apply)
• SCH will cover white composite fillings for back teeth on both Dental Plan A and Dental Plan

South County Health offers two dental plan options for our staff through Blue Cross Blue Shield of Rhode Island, providing you a choice in selecting the plan that best suits you and your family’s needs. Each option encourages preventive care and helps you pay for a range of other dental services. This year, there will be no change to employee cost for dental insurance!

For more information, contact Blue Cross Dental.

Please review the open enrollment guide found on the Welcome page for additional plan and premium rate information.

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

Vision Insurance

Vision Insurance

Staff can purchase Vision coverage through VSP® Vision Care at affordable group rates and get personalized care from a VSP network doctor at low out-of-pocket costs.

For more information, contact VSP.

Please review the open enrollment guide found on the Welcome page for additional plan and premium rate information.

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

FSA

Flexible Spending Accounts

Flexible spending accounts allow you to put aside money through payroll deduction before federal taxes are withheld from your paycheck to pay for qualified expenses as defined by the IRS. There are two types of FSAs, Health Care and Dependent Care.

Health Care FSA

OTCs are now eligible under a health care FSA without restriction. Eligible reimbursable expenses not covered by a medical, dental, or vision plan. These may include co-payments, co-insurance, deductibles, or certain vision, hearing, or orthodontic costs. In accordance with Health Care Reform, you can include expenses for your children up through the age of 26 (who will not reach the age of 27 by the end of the tax year) in addition to your spouse and any adult tax-eligible dependents.

Please note, if you enroll in the BlueSolutions HDHP with a Health Savings Account, you will not be eligible for a Health Care Flexible Spending Account, per IRS guidelines. If you have a HC FSA balance greater than $0 as of 12/31/22 and elect the BlueSolutions HDHP, you will not be eligible to contribute to your Health Savings Account until the end of the HC FSA grace period (3/31/22). As of 4/1/22, you will be eligible to contribute to the Health Savings Account. The maximum contribution is set each year by the IRS. The maximum Health Care FSA contribution for 2023 is $3,050.

Dependent Care FSA

Eligible reimbursable expenses allowing gainful employment:

• Care of dependents (as defined for federal income tax purposes)
• Children less than 13 years old
• Individuals with different physical or mental abilities
• Dependent care center and daycare providers
• Before- and after-school care and summer camp programs

For more information, contact Sentinel. 

Please review the open enrollment guide found on the Welcome page for additional plan information.

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

Supplemental Life

Life and AD&D Insurance

Eligible staff are able to purchase Life and Accidental Death and Dismemberment insurance above and beyond the Basic Life Insurance provided by SCH.

Take advantage of this opportunity for 2023! Anyone who previously elected supplemental life insurance under the guarantee issue amount or did not elect it in the past can elect coverage for 2023 up to the Guarantee Issue amount of $300,000 without evidence of insurability.

Employee Coverage – Coverage can be purchased in increments from one times annual salary up to five times annual salary to a maximum of $500,000. The guaranteed issue amount is $300,000.

Spouse Coverage – You must purchase supplemental life insurance for yourself, you may purchase Life and AD&D insurance coverage on your Spouse. Coverage can be purchased in increments of $5,000 up to a maximum of the lesser of 100% of your insured amount or $100,000. The guaranteed issue amount is $25,000.

Child Coverage – You must purchase supplemental life insurance for yourself, you may purchase life insurance coverage on your children. You have the option to purchase a benefit of $2,500 (6 months to 26 years), and a $5,000 maximum benefit per child. 

Please review the open enrollment guide found on the Welcome page for additional plan and premium rate information

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

Supplemental Benefits

These policies are provided by Voya to eligible staff. They're designed to offset costs due to hospital stays, critical illnesses or accidental injuries that are not covered by your existing health insurance. Benefits are paid directly to you unless you specify otherwise with coverage available for your spouse and children. These policies are limited-benefit policies. They are not health insurance and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Hospital Indemnity

Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility on or after your coverage effective date*. You can use this money for any purpose you like, including: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home healthcare costs or any of your regular household expenses. Benefits are paid directly to you. 

*See the product brochure or certificate of coverage for the definition of covered facilities, along with complete provisions, exclusions and limitations

Critical Illness Insurance

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition on or after your coverage effective date. You can use this money how ever you like, for example: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home healthcare costs or any of your regular household expenses. Coverage is available at $10,000 and $20,000 Employee Coverage Levels, with your Spouse and Family receiving 50% of the coverage amount.

Accident

Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident on or after your coverage effective date. You can use this money how ever you like, including deductibles, child care, house cleaning, groceries, or utilities.

Legal Services Plan

Offered through ARAG, this plan provides access to qualified legal help and information at a significant savings. ARAG offers paid-in-full coverage for a variety of attorney services including (but is not limited to) real estate matters, wills and trusts, consumer protection, divorce (contested and uncontested), and child custody/support. Last year, ARAG expanded the list of covered services to better support you and your family, including assistance with domestic partnership agreements, gender identifier change, hospital visitation authorization, and postnuptial agreements. A 25% discount is provided on attorney fees for non-covered matters. 

Please review the open enrollment guide found on the Welcome page for additional plan and premium rate information.

Questions enrolling in benefits or claims coverage?

Contact 

Benefit Showcase

Wellness Program

The Well Beyond Program engages staff and spouses in maintaining or improving a lifestyle of health and wellbeing through a multitude of programs and events – most at no cost. Well Beyond promotes voluntary program participation through discounted medical rates for benefits-eligible staff. Upon completion of the health check through your Virgin Pulse wellness account, benefits-eligible staff and their medically enrolled spouse can earn additional incentives when participating in any of the Well Beyond offerings throughout the year (an additional $300 per employee and $300 for a covered spouse). Depending on the medical plan you are enrolled in, participation can earn you either a non-taxable contribution into a Health Reimbursement Account (VantageBlue PPO enrollees) or a Health Savings Account (BlueSolutions HDHP enrollees) or a taxable bonus in your pay. Please note, if you elect the BlueSolutions HDHP for 2023, you will no longer be eligible for the Health Reimbursement Account and all remaining funds will be forfeited. 

Well Beyond offerings target the following areas:

• Community Wellbeing: Recognizing the importance of being involved and contributing to your community, connecting to groups and causes that are meaningful to you.
• Emotional Wellbeing: Managing stress, maintaining work/life balance, and building personal resilience.
• Financial Wellbeing: Ensuring a sense of financial security to reduce stress and support you in planning to achieve important life goals.
• Nutrition: Achieving a healthy diet, understanding foods’ nutritional and caloric contents, proper portions, and the body’s nutritional and caloric needs
• Physical Activity: Including cardio-fitness, flexibility, recreation and strength training
• Preventative Care: Knowing your numbers for key indicators of health such as blood pressure, BMI (Body Mass Index), HDL and total cholesterol, accessing preventative medical and dental care, obtaining proper sleep levels, and having access to your own health information.
• Career Development: Recognizing the influence of career and doing something fulfilling to overall wellbeing, career development programs support learning, professional excellence and growth.

Please review the Well Beyond guide for more information.

Questions enrolling in benefits or claims coverage?

Contact