Benefits eligible employees have a variety of options to choose from in order to meet their healthcare needs. Newly eligible employees have 30 days from their effective date to select benefit options for themselves and their eligible dependents.

Newly benefits eligible employees may have their coverage start on the 1st of the month after enrollment. For example, an employee becomes benefits eligible on February 1, 2014, and he enrolls in benefits on February 3rd. His coverage will begin on the first day of the next month- March 1, 2014. If the employee enrolls on the first of the month, benefits will be effective on that day.

On an annual basis, the College offers an open enrollment period. During this period, employees may change their healthcare plan elections and levels of coverage for the upcoming calendar year.

If you have a qualifying event, you may also change your benefit elections within 30 days of the event.  Examples:  marriage, divorce, birth and/or adoption of a child, loss of other coverage, etc.

Dependent verification is required for all eligible dependents you wish to cover on your health insurance.  Supporting documentation is necessary to verify eligibility for each qualified dependent BEFORE insurance coverage can begin.

HEALTHCARE

Medical Plan Options

As a benefited employee of BSC, you have the choice of the following medical options:

Comprehensive Care Plan (a PPO based plan)

Consumer Choice HSA Plan (a high-deductible plan)

Pharmacy Plan

Beginning January 2015, CVS/Caremark will become our new pharmacy provider.  To learn more about your pharmacy benefits visit the USG Pharmacy page.

Castlight

Launching in January 2015, Castlight is a new, personalized healthcare tool provided by the USG for all BCBSGA Consumer Choice and Comprehensive Care members with the Open Access POS network.

Castlight offers people a new way to shop for medical services, prescriptions and doctors by cost, quality and location.  For the first time, employees can find all of the information they need to know in order to make more informed choices about their own healthcare as well as their families.

For more Castlight info and to register click here.

Health Savings Account

A U. S. Bank Health Savings Accounts (HSA) can save you money on eligible healthcare and dental expenses.  Your contributions to this account are tax free, saving you money on federal and state income taxes and Social Security taxes.  If you elect the Consumer Choice HSA plan, you will be eligible to open an HSA, a tax-advantage savings account that will help you save money.

Flexible Spending Account

Using Flexible Spending Accounts is one of the easiest ways to reduce your healthcare and dependent care costs, as these accounts allow you to use pre-tax dollars to pay for eligible healthcare and dependent care expenses.  When you pay for eligible expenses with tax-free dollars, you reduce your taxable income and thus put more money back into your pocket.  There are three types of flexible spending accounts:  Healthcare FSA, Dependent Care FSA and Limited Purpose FSA.

Dental

Delta Dental offers two plan options – a Base Plan and a High Plan.

Vision

USG provides vision coverage though EyeMed.  Its provider network includes many top national retail chains.

Life and AD&D

The USG provides basic life and accident coverage to help protect your family’s income against the unexpected.  Basic Life and AD&D is provided to you at no cost.  Beyond that, you have the option to increase your coverage and financial security for your family in the event of death.

Disability

If you are unable to work because of a non-work related illness or accident, the USG offers two disability plans which can replace some of the income you will lose by not working:

Long-term disability

Short-term disability

Lifestyle Benefits

NEW IN 2015!!  For an additional low monthly rate, employees can receive great discounts for services like emergency roadside assistance, legal aid, identity theft protection, tax help and more.  It is important to keep in mind that these supplemental services are not insurance, but more so discounts for plan members and dependents.

USG Perks

NEW IN 2015!!  USG Perks is a FREE savings program that provides perks to employees.  Wherever you are shopping, save with employee pricing at hundreds of manufacturers, retailers and brands.

Aflac

Bainbridge State College offers its regular employees voluntary supplemental insurance plans administered by AFLAC.  Employee pays 100% of the monthly insurance premium, deducted from payroll checks before federal, state, and FICA taxes are applied.

AFLAC provides policies which include:

  • Cancer
  • Hospital
  • Accident

See BSC SharePoint Site for more information.

Tuition Assistance Program (TAP)

As part of its mission statement the University System of Georgia is committed to “the recruitment, hiring, and retention of the best possible faculty, staff and administration.” The Board of Regents of the University System of Georgia is committed to creating a more educated Georgia. Both of these commitments extend internally, as well as, externally. As part of its desire to meet its employees evolving needs, the University System of Georgia (USG) has established an educational assistance program, the Tuition Assistance Program (TAP). The purpose of TAP is to foster the professional growth and development of its eligible employees.

Legal Plan

Bainbridge State College offers its regular employees a legal plan administered by MetLaw Hyatt Legal.

The Hyatt Legal plan covers the most frequently needed personal legal matters such as wills and estate planning, debt collection and identity theft defense, real estate, traffic and civil defense, injury and insurance matters, and family law including adoption and guardian ship issues.

Employment and business related matters are excluded.

Healthcare/Insurance Related Resources

 
 

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