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HEALTH BENEFITS

Health Insurance


The university offers comprehensive health insurance programs to all full-time employees. The cost of health insurance coverage is shared by the employee and the university. The health insurance program provides hospitalization, medical, surgical, out-patient, prescription drug and major medical coverage.

Coverage options are:

  • Single (coverage for employee only)
  • Employee plus one (coverage for employee plus one eligible dependent)
  • Family (coverage for employee plus two or more eligible dependents)

Coverage in a health care plan begins on the first day of the first full month in which employment begins, but enrollment in a health benefit program must be completed within 30 days of employment. Health insurance coverage ends on the last day of the month when separation from the university occurs, provided premiums have been paid.

Changes to coverage may be made yearly during Open Enrollment (typically in May) or during the plan year for certain qualifying life events such as marriage or divorce, death of spouse or dependent, birth or adoption of a child, change in a spouse's employment, change in the dependent status of a child, etc. Qualifying life event changes must be made within 60 days of the event, and become effective the first of the month following the life event date or the receipt of the enrollment form, whichever is later. The exception to this rule is the birth/adoption of a child; coverage becomes effective the month in which the child is born.

Section 125 of the Internal Revenue Code permits employees to have his/her portion of the health insurance premium deducted prior to state and federal taxation. Employees are automatically placed into the pre-tax program.

Flexible Spending Accounts (FSA)


Enrollment in a flexible spending account (FSA) allows for deductions prior to state and federal taxation for qualified medical and dependent care expenses. In a medical FSA, employees set aside pre-tax dollars to pay for medical, dental, vision care, or other eligible expenses, which are not covered by their health benefits plan. The maximum amount employees may deposit into their medical FSA each plan year is $2,600. The minimum contribution each pay period is $10.

The dependent care FSA allows employees to set aside pre-tax dollars to pay for eligible dependent care expenses. Single employees or employees who are married and file joint returns may deposit a maximum of $5,000 per plan year into the account; married employees who file separate tax returns are limited to $2,500 per plan year. The minimum contribution each pay period is $10.

Once the deduction begins, employees cannot stop their deductions until the open enrollment period or a qualifying life event occurs. Employees should plan carefully when enrolling in either of these accounts, as unused balances at the end of the plan year are forfeited.

Employee Assistance Program (EAP)


All health plans offered to state employees and their dependents have employee assistance programs (EAPs). Included are up to four sessions at no charge for such services as mental health, alcohol or drug abuse assessment, child or elder care, grief counseling and legal or financial services. EAP counselors are available to assist employees with problems related to:

  • Alcohol
  • Drugs
  • Family
  • Health
  • Legal
  • Financial
  • Housing
  • Mental health
  • Child care
  • Elder care
  • Grief
  • Spousal/child/parent abuse
  • Workplace
  • Career planning
  • Retirement

In general, care must be authorized in advance. You or your eligible dependent will speak to an EAP Specialist who will assess your problem and coordinate assistance. Should your problem require mental health or substance abuse care, you will be referred to a provider, under your mental health and substance abuse benefit. Your EAP specialist or care manager will arrange a referral according to your specific needs. Contact your plan's Member Services department for more information.

COVA Care and COVA HDHP

Anthem Blue Cross and Blue Shield
Member Services: 1-855-223-9277
www.anthem.com

COVA HealthAware

Aetna
1-888-238-6232
www.covahealthaware.com

Kaiser Permanente HMO
1-866-517-7042 (toll free)
http://my.kp.org/commonwealthofvirginia/

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