2021 Employee Benefits - Elizabethtown College
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ELIZABETHTOWN COLLEGE | 2021 EMPLOYEE BENEFITS BULLETIN
2021 Employee Benefits
The following information is provided to you as a resource
as you consider the various employee benefits available to
you through Elizabethtown College. Please don’t hesitate to
contact our Human Resources Office at 717-361-1406 with
any questions regarding the plans. New benefits will begin
on January 1, 2021.
INSIDE THIS ISSUE
Flexible Spending Accounts............................1
FLEX SPENDING ACCOUNTS
New Changes in FSA Program.......................1
These accounts enable employees to set aside funds before taxes
and later be reimbursed on a tax-free basis for eligible expenses. Spousal Rule for 2021.........................................1
Health Care Spending Account Medical Benefits .................................................2
For reimbursement of eligible medical, dental and eye care Dental Benefits ...................................................3
expenses. The maximum annual contribution for 2021 is $2,750.
Please note: there will be no reimbursement for over the counter Life & Disability Benefits .................................3
medication expenses without a doctor’s prescription.
Voluntary Benefits............................................. 4
Dependent Care Spending Account NVA Vision/Davis Vision
For reimbursement of eligible child care or dependent care Petplan
expenses. Single employees or married employees whose spouses
work and file joint tax returns may allocate up to $5,000. Retirement Plan................................................... 4
Important Reminders....................................... 4
NEW FOR 2021 - CHANGES IN FSA PROGRAM Employee Assistance Program..................... 4
We are excited to announce the Benecon Group (Benecon) will
be administering Elizabethtown College’s Healthcare Flexible
Spending Account and Dependent Care Spending Accounts
(FSA and DCAP Plans).
SPOUSAL RULE FOR 2021
AFTER January 1, 2021, enrollees will use the Benecon Health
Payment Card (debit card) for Healthcare and Dependent Spouses (of employees) with available health care insurance
Care expenses. Enrollees in the high-deductible health plan/ through their employer (i.e., working spouses that have a
HSA are not eligible to enroll. Enroll in the Healthcare FSA and/ plan through their work) will be assessed a surcharge of
or Dependent Care FSA via the Empliant website. Look for $1,200 per year for the cost of their plan (employee/spouse
your Benecon Health Payment Card in the mail (in a plain white or family with spouse) to remain on the College plan.
envelope)!
Spouses who do not work, or are not eligible for benefits
• Healthcare FSA Annual Contribution Limit: $2,750 through their employer can remain on the College plan
without incurring the surcharge.
• Healthcare FSA Carryover Limit: $550
• Dependent Care FSA Annual Contribution Limit: $5,000 Because of the spousal rule in 2021, we will have two tiers
for each plan offered. These tiers are employee/working
Benecon also will be administering the 2020 Runout Period for spouse and family with working spouse. Employees will
Health FSA claims. Claims applied to the Runout Period must be be asked to certify the status of their spouse at the time
filed online or with a paper claim form. they sign up for 2021 benefits during open enrollment.
ELIZABETHTOWN COLLEGE | 2021 EMPLOYEE BENEFITS BULLETIN
CAPITAL BLUE CROSS MEDICAL AND PRESCRIPTION PLAN OPTIONS
BENEFITS PPO $500 PPO $250 PPO $0 high deductible plan
(base core plan) (buy up option a) (buy up option b)
NETWORK NON-NETWORK NETWORK NON-NETWORK NETWORK NON-NETWORK NETWORK NON-NETWORK
$500 single $1,000 single $250 single $1,000 single $0 single $1,000 single $1,400 single
Deductible
$1,000 family $2,000 family $500 family $2,000 family $0 family $2,000 family $2,800 family
Out-of-Pocket $8,500 single $8,500 single $8,500 single $7,000 single
Maximum $17,100 family $17,100 family $17,100 family $14,000 family
Telehealth
$10 N/A $10 N/A $10 N/A $10 N/A
Primary Office Visit
$20 20% $20 20% $20 20% $20 20%
Specialist/Urgent
$30/$50 20% $30/$50 20% $30/$50 20% $30/$50 20%
Care
Pediatric Preventive
$0 20% $0 20% $0 20% $0 20%
and Adult Preventive
Inpatient and 100% after 20% Dr 100% after 20% Dr 100% after 20% Dr 100% after 20% Dr
Outpatient Hospital deductible 50% facility deductible 50% facility deductible 50% facility deductible 50% facility
Major Diagnostic 100% after 20% Dr 100% after 20% Dr 100% after 20% Dr 100% after 20% Dr
Services deductible 50% facility deductible 50% facility deductible 50% facility deductible 50% facility
Emergency Room
$100 (waived if admitted) $100 (waived if admitted) $100 (waived if admitted) $100 (waived if admitted)
Care
$25 deductible $25 deductible $25 deductible
25% (generic & preferred)
25% (generic & preferred) 25% (generic & preferred) 25% (generic & preferred)
Retail Pharmacy 45% (non-preferred)
45% (non-preferred) 45% (non-preferred) 45% (non-preferred)
$150 specialty Rx
$150 specialty Rx $150 specialty Rx $150 specialty Rx
$25 generic $25 generic $25 generic $25 generic
Mail Order Rx $75 brand preferred $75 brand preferred $75 brand preferred $75 brand preferred
$125 brand non-preferred $125 brand non-preferred $125 brand non-preferred $125 brand non-preferred
WHAT YOU PAY
EMPLOYEE PPO $500 PPO $250 PPO $0 high deductible plan
COSTS payroll deduction payroll deduction payroll deduction payroll deduction
26-PAY 24-PAY 26-PAY 24-PAY 26-PAY 24-PAY 26-PAY 24-PAY
Employee Only $63.50 $68.79 $91.81 $99.46 $118.67 $128.56 $23.28 $25.22
Employee/Spouse* $176.99 $191.74 $258.96 $280.54 $347.60 $376.57 $111.70 $121.01
Employee + Child $148.62 $161.00 $230.59 $249.81 $319.23 $345.83 $94.01 $101.85
Employee + Children $172.79 $187.19 $290.93 $315.17 $362.59 $392.81 $116.84 $126.58
Family* $201.16 $217.93 $319.30 $345.91 $390.96 $423.54 $134.53 $145.74
* $100/mo. spousal surcharge if spouse is eligible for other insurance.
WHAT THE COLLEGE PAYS
COLLEGE PPO $500 PPO $250 PPO $0 high deductible plan
CONTRIBUTIONS per pay per pay per pay per pay
26-PAY 24-PAY 26-PAY 24-PAY 26-PAY 24-PAY 26-PAY 24-PAY
Employee Only $376.86 $408.26 $382.89 $414.80 $388.63 $421.02 $353.43 $382.88
Employee/Spouse $722.43 $782.63 $739.93 $801.59 $758.86 $822.09 $694.18 $752.03
Employee + Child $750.80 $813.36 $768.30 $832.33 $787.23 $852.38 $711.87 $771.19
Employee + Children $857.02 $928.44 $882.25 $955.77 $897.54 $972.34 $827.59 $896.55
Family $828.65 $897.71 $853.88 $925.04 $869.17 $941.60 $809.90 $877.39ELIZABETHTOWN COLLEGE | 2021 EMPLOYEE BENEFITS BULLETIN
DENTAL INSURANCE PLAN DENTAL CALENDAR YEAR
Whether you are choosing Delta Dental or Guardian DEDUCTIBLE
Dental, your benefit percentages for covered services are There is a $50 deductible per person total
the same regardless of what dentist you choose. Please per benefit year limited to a maximum
note, however, your out-of-pocket costs will be lower if of $150 per family per benefit year. The
you choose network providers. Make sure you select a deductible does not apply to diagnostic,
dentist based on the appropriate network. preventive and orthodontic services.
coverage tier payroll college DENTAL CALENDAR YEAR
deduction contribution
MAXIMUM BENEFIT
26-PAY 24-PAY (PER YEAR)
$1,500 per person total per benefit year.
Employee Only $8.70 $9.40 $152.00 *Check out Guardian Dental’s Maximum
Employee + 1 (two-party) $22.00 $23.84 $243.00 Rollover feature.
Employee + Family $33.36 $36.14 $289.00 *Orthodontics will not exceed a lifetime
maximum of $1,000 per eligible person.
YOUR DENTAL PLAN OPTIONS
COVERED SERVICES delta ppo guardian member dentist
PLAN PAYS YOU PAY PLAN PAYS YOU PAY
Diagnostic/Preventative Services 100% 0% 100% 0%
Basic Restorative 80% 20% 80% 20%
Major Restorative 50% 50% 50% 50%
Oral Surgery/Surgical Periodontics 50% 50% 50% 50%
Endodontics/Non-Surgical Periodontics 80% 20% 80% 20%
Prosthodontics 50% 50% 50% 50%
Orthodontics 50% 50% 50% 50%
General Anesthesia 50% 50% 50% 50%
Denture Repair 80% 20% 80% 20%
Simple Extraction 80% 20% 80% 20%
YOUR LONG-TERM GROUP WORK-LIFE BALANCE EMPLOYEE
EMPLOYEE’S PREMIUM PER PAY PER THOUSAND
DISABILITY AND LIFE ASSISTANCE PROGRAM
INSURANCE PLANS Your Confidential Employee Assistance
AGE RANGE 26-PAY 24-PAY
The College provides long-term disability Program. Support and guidance is just a
insurance to all employees who are 75% phone call away. Professional counselors
Less than 30 .024 .026
or greater full time equivalent. are available to assist you with family and
30-34 .033 .036 personal issues you might be facing or
The College also provides a $10,000 questions you might have.
35-39 .047 .051
life policy to all regular employees • Anxiety / • Legal
who work 75% or greater full time 40-44 .070 .076 Depression • Parenting
equivalent. Employees may chose • Drug & Alcohol • Budget & Finance
45-49 .116 .126
to purchase optional life insurance • Education • Work Issues
at 1x, 2x, 3x, 4x, 5x, annual salary 50-54 .194 .210 • Personal • Dependent Care &
(max. $500,000). Employees pay the Relationships Care Giving
55-59 .310 .336
premium, which is based on age, for
this optional coverage. Optional Life 60-64 .462 .501 Connect to a counselor for free support
requests are subject to approval by services: 1-800-854-1446
65-69 .660 .751
Unum. Employees should not assume Available 24-hours a day, 7 days a week
automatic approval. 70-74 1.173 1.271 Services provided by Unum in
partnership with Lifeworks.ELIZABETHTOWN COLLEGE | 2021 EMPLOYEE BENEFITS BULLETIN
DAVIS VISION PLAN (VISION 1) NVA VISION DISCOUNT PLAN (VISION 2)
This voluntary vision plan will cover annual eye exams, This is a voluntary vision discount
lenses, frames, and contact lenses. The Davis Vision Plan, plan offered through National Vision
administered through Guardian, also covers additional Administrators. This program will also
services like laser correction surgery and cosmetic includes EPIC Hearing Service discounts.
extras at discounted prices. Plan features include a $0 Consult the HR website for more information.
Copay and In-Network/Out-of-Network Services. Discounts are only available at participating
providers, so be sure and check the provider
directory before securing services.
coverage tier payroll deduction
26-PAY 24-PAY
coverage tier payroll deduction
Employee Only $5.30 $5.75
26-PAY 24-PAY
Employee + 1 (two-party) $8.06 $8.73
Employee Only .28 .31
Employee + Family $14.16 $15.34
Employee + 1 (two-party) .28 .31
Employee + Family .28 .31
PETPLAN® VOLUNTARY PET INSURANCE PLAN
Unexpected accidents and illnesses can wreak havoc on
your family budget. Petplan® pet insurance helps cover
TIAA-CREF RETIREMENT PLAN
the costs so that you can concentrate on getting your Employees who work at least 1,000 hours per year may participate
four-legged family members the care they deserve. in the Regular Annuity (RA) plan after two years of employment.
You are eligible to receive an exclusive 15% discount on
Petplan pet insurance when you enroll online. Simply
employee contribution college contribution
enter promo code ECPETS. To learn more and get an
immediate quote visit www.gopetplan.com. 5% 10%
0% 3%
WELLSPAN EMPLOYEE ASSISTANCE PROGRAM
Employees may participate in Supplemental Retirement Annuity
The College is happy to provide you with additional (SRA) accounts immediately upon employment.
work-life balance resources with the WellSpan Employee
Assistance Program, at no additional cost to you. You can
access an extensive WorkLife portal via the internet. IMPORTANT INFORMATION AND REMINDERS
• Health Care Spending Accounts now have a maximum
Do yourself a favor and check out the 8-minute tutorial rollover of $550.
(demo) at: www.worklifeservices.net/public/wls/player.
html. Additional instructions for accessing the WorkLife • Medical, Dental, and Vision Benefits are available for
portal can be found at etown.edu/hr. qualified domestic partners.
• If your child (up to age 26) is not on your medical coverage,
you may add them during this Open Enrollment for
coverage beginning January 1, 2021.
IN ADDITION, MANY EMPLOYEES ARE
• Maximum 2021 HSA Contributions:
ELIGIBLE FOR THE FOLLOWING BENEFITS:
Employee Only $3,550
• Tuition Benefits • Use of library and
• Vacation & Sick Leave athletic facilities Employee & Spouse $7,100
• Holidays • Free or reduced admission Employee & Children $7,100
• 10% Discount at the to cultural events and
Employee & Family $7,100
College Store basketball games
During the Open ENROLLMENT PERIOD, all employees should
complete the annual enrollment, found at etown.edu/hr, by Nov. 30.
For questions or benefit changes throughout the year, contact
Human Resources: hr@etown.edu or 717-361-1406
GET EXCITED ABOUT A HEALTHIER YOU
View more details about the Employee Wellness Team:
etown.edu/offices/human-resources/ewt.aspx
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