Hilton Head Health

Table of Content

  1. Header
  2. Welcome
    1. OPEN ENROLLMENT REMINDER!
  3. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  4. Medical
    1. Medical Plan Overview
    2. Virtual Visits
  5. Health Savings Account (HSA)
    1. HSA Overview
  6. Telehealth
    1. Telehealth Plan Overview
  7. Dental
    1. Dental Plan Overview
  8. Vision
    1. Vision Plan Overview
  9. Financial Protection
    1. Life and Accidental Death & Dismemberment
    2. Disability
    3. Critical Illness & Accident
    4. 401(K) Retirement
  10. Personal Support & Protection
    1. Personal Insurance Solutions
    2. Employee Assistance Program (EAP)
  11. Additional Educational Videos
  12. Have Questions?
  13. Footer

Welcome

Helping you and your family reach and maintain good health is very important to Hilton Head Health. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees. Hilton Head Health remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.

Highlights of the 2025 benefit plans include:

  • Medical Plan- is moving to Blue Cross Blue Shield of South Carolina

Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!

The following summaries are a non-legal outline, refer to the full plan documents for specific details.

Please listen to the 2025 educational recording for your benefits overview. Enter the passcode to access the link : &=%il7A?

Eligibility & Enrollment

Eligibility

All full-time employees working 30 hours or more per week are eligible for benefits effective on the 1st of the month following 60 days of employment.

ELIGIBLE DEPENDENTS

Your eligible dependents include:

  • Spouse (if your spouse is offered medical coverage through their employer, they are not eligible to participate in the Hilton Head Health plan)
  • Dependent children up to age 26
  • Dependent children over age 26 that are incapable of self-support due to total physical or mental disability (under most benefits outlined).

If you choose to enroll your spouse and/or dependent children, you will need to provide the following information:

  • Name 
  • Social Security Number
  • Date of Birth
  • Address (if different)

Enrollment

ENROLLMENT

Complete your elections online through Employee Navigator for the 2025 plan year. If you have not yet registered your account, you will need to register with your personal information and the Company Identifier: H31010. If you have previously registered, please login with the username and password you set up when you first registered.

QUALIFYING EVENTS

The elections you make will remain in place through December 31, 2025. You cannot add or drop coverage or dependents unless you experience a qualifying event. Some examples of qualifying events are listed below:

  • Marriage / Divorce 
  • Birth or Adoption of a Child
  • Change in Child’s Dependent Status
  • Death of Spouse or Dependent
  • Loss / Addition of Other Coverage
  • Eligibility change due to relocation
  • Medical Child Support Order

You have 30 days from the date of the event to notify Human Resources; otherwise, you must wait until the next enrollment period.

Please note: Not every change in status permits a change in benefit plan elections. The election change must be consistent with the change in status that occurred.

Medical

BlueCross BlueShield of South Carolina

Benefit Period: January 1 – December 31

BlueCross BlueShield of SC

Network: Preferred Blue

Group #70-87568 | (800) 760-9290 | Visit www.southcarolineblues.com or download the My Health Toolkit Mobile App!

You have the choice between two medical plans for the 2025 plan year. View your specific costs when you enroll online.

There is a network available for you; coverage may be significantly reduced if you obtain services out-of-network. 

Medical Plan Overview

Virtual Visits

Blue CareOnDemand

Health Savings Account (HSA)

Bank of America

Customer Service: (866) 791-0250 or visit www.bankofamerica.com

HSA Overview

If you enroll in the Medical Base Plan (HDHP), you are able to contribute to a Health Savings Account (HSA). With an HSA, you can gain more control over your health care expenses because contributions, interest and withdrawals for qualified health care expenses are all tax-advantaged. Your savings can be used to pay for qualified health care expenses today, tomorrow, next year – for your life. 

When you enroll in the HSA, Hilton Head Health will match up to $250 quarterly to your HSA to use towards qualified expenses. The contribution will be made at the end of each quarter and will match what your contribution was for that quarter up to $250.

To be eligible to contribute to an HSA, you must meet the following requirements:

·       Be covered under an HSA-qualified health plan on the first day of any month for which eligibility is claimed (as described in IRS Publication 969);

·       Not be enrolled in Medicare.

·       Not be claimed as a dependent on someone else’s tax return.

·       Have no other insurance except what is permitted by the IRS (see IRS Publication 969).

Why choose to have an HSA?

With an HSA, you get to take some of the money that would have gone to pay for higher health insurance premiums and put it into your own pocket. You can use the HSA to pay for qualified medical expenses, or you can save it and let it grow with tax-free interest from year to year.

·  You don’t lose it if you don’t spend it. The HSA, including all the money in the account, is yours.

·  You can take the account with you when you change jobs, retire, or leave your qualified health plan.

·  You don’t have to pay taxes on withdrawals for eligible medical expenses.

·   Even if you lose your qualified plan in the future, you can still use the remaining funds in your HSA on qualified medical expenses.

·   You will be provided a debit card to use at point of purchase. Be sure to keep your receipts as the IRS may request these in the event of an audit.

2025 IRS HSA Contribution Limits

Individual $4,300 Family $8,550

Age 55+ Catch up Contributions: $1,000

These limits are based on your medical pan coverage level. Contributions from your employer do count towards these contribution limits.

Telehealth

HealthiestYou by Teladoc

Group Number: HY10464

Customer Service (866) 703-1279 extension 1; or visit online at www.member.healthiestyou.com or download the app for iPhone or Android devices: "HealthiestYou" or "HY"

Telehealth Plan Overview

You have the option to elect telehealth for you and your family members. This benefit provides fast and convenient access to quality medical care by phone, video or mobile app.

Please note: This is not insurance/is not intended to replace insurance. It does not meet the minimum coverage requirements of the Affordable Care Act.

Your Bi-Weekly Cost: $2.50

Enhanced Engagement Features: Dedicated Client Success Team, Price Transparency Tools, Intelligent Alerts, Find A Provider

Clinical Services: General Medical, Mental Health Care, Dermatology, Neck and Back Care, Expert Medical Services, Nutrition

General Medical— $0 co-pay

Provides convenient care at a lower cost by giving members and their dependents an on-demand or scheduled visit with a U.S. board-certified doctor via phone or video, 24/7. Members can get resolution to episodic healthcare issues, including cold and flu, allergies, bronchitis and so much more.

Mental Health Care— $0 co-pay

Members can access and build an ongoing relationship with a licensed mental health professional of their choice, without having to travel to a clinician’s office.

Dermatology— $0 co-pay

Members have access to licensed dermatologists via web or mobile app, treating acute or ongoing skin conditions like psoriasis, skin infection, rosacea and more— quickly, conveniently and discreetly.

Neck and Back Care—$0 co-pay

This convenient, exercise-based treatment plan coupled with certified health coach consultations provides members with the personalized support they need to reduce back pain.

Nutrition— $0 co-pay

Members can talk to a registered dietitian by phone or video for help with staying healthy or managing a health condition like diabetes or high blood pressure.

Price Transparency tools HealthiestYou has a price comparison engine, which allows members to compare the prices of a wide variety of prescriptions and procedures. Members are armed with the knowledge necessary to make an informed choice.

Intelligent Alerts Context-and location-sensitive alerts and savings reminders help members better utilize their insurance plans and our services.

Dental

Delta Dental

Benefit Period: January 1 – December 31

Network: Delta Dental PPO & Delta Dental Premier

Group # 0124-0271 | (800) 335-8266 I www.deltadentalsc.com

There is a network available for you; coverage may be significantly reduced if you obtain services out-of-network. Out of network reimbursements are available for most services.

Vision

Delta Vision

Benefit Period: January 1 – December 31

Network: EyeMed Insight

Group #2401-1010 | (877) 226-1412 I www.deltadentalsc.com/vision

There is a network available for you; the coverage may be significantly reduced if you obtain services out-of-network. 

Financial Protection

Mutual of Omaha

Group Number: G000AYVK

Customer Service: (800) 775-8805 or visit www.mutualofomaha.com

Hilton Head Health provides you with Basic Life/AD&D and Long Term Disability. You also have the option to purchase additional Life insurance, Short Term Disability, Critical Illness insurance and/or Accident insurance for yourself and your dependents. Be sure to keep your life insurance beneficiaries up to date!

You also have the opportunity to contribute to a 401K Retirement Plan through Guideline.

Life and Accidental Death & Dismemberment

All full-time employees are provided with Basic Life/AD&D Insurance. The AD&D benefit is equal to your Basic Life Insurance coverage amount and, under qualifying circumstances, is paid to your beneficiary in addition to the Basic Life benefit. If you become dismembered, the policy pays according to a schedule based on the dismemberment. 

Life/AD&D Benefit Amount: $15,000; benefit amount reduces 65% at age 65 and at age 70 it reduces to 50%.

Voluntary Life/AD&D:

You have the option to purchase additional Life insurance for yourself and your dependents. You must elect coverage for yourself in order to elect for your dependents. Your cost is based on age and benefit amount. You can view your specific costs when enrolling online.

Employee Amount: increments of $10,000 up to $500,000 (maximum of 5x salary); benefit amount reduces at age 70.

Spouse Amount: increments of $5,000 up to $100,000 (maximum of 100% of employee amount); coverage terminates when employee turns age 70

Child(ren) Amount: $10,000; covers all child(ren)

Evidence of Insurability (EOI) will be required if you elect to purchase more than $100,000 for yourself or $25,000 for your spouse, if you elect to purchase coverage after your initial new hire waiting period, or if you wish to increase coverage. During annual enrollment effective January 1st, if you have existing coverage, you are able to increase $10,000 up to the guaranteed issue amount ($100,000) without health questions; this is for the employee amount only.

Disability

All full-time employees are provided with long term disability coverage and you have the option to elect short term disability coverage. Disability replaces all or a portion of your income should you be unable to work due to a covered disability. 

Short Term Disability (STD)

60% of weekly earnings up to $1,000 per week

Benefits begin on the 15th for up to 11 weeks

Pre-existing condition limitation exclusion - 3 month look back / 6 month exclusion

Long Term Disability: (LTD)

50% of monthly earnings up to $5,000 per month

Benefits begin on the 91st day for up to Social Security Normal Retirement Age

Pre-existing condition limitation exclusion - 3 month look back / 12 month exclusion

New hires are eligible to elect STD without completing the Evidence of Insurability, EOI, (health questions) and existing employees who elect STD during open enrollment for the first time, are not required to answer health questions.

Critical Illness & Accident

You have the option to elect these additional voluntary benefits through Mutual of Omaha. These benefits provide a lump-sum payment to you if you have an eligible claim.  

Critical Illness

This benefit will help you pay for non-medical and out-of-pocket medical expenses upon diagnosis of a covered specified critical illnesses. This product provides a lump sum payment option upon diagnosis depending on your needs. Subsequent diagnosis benefits are also included in this plan. This benefit also provides a $50 reimbursement for a Health Screening. Pre-existing condition limitation exclusion - 12 month look back / 12 month exclusion. Your cost is based on coverage level/benefit amount selection, age and tobacco usage. You can view your specific costs for when enrolling online.

Employee Amount: increments of $5,000 up to $25,000; benefit amount reduces at age 70.

Spouse Amount: increments of $5,000 up to $10,000 (maximum of 100% of employee amount); benefit amount reduces when employee turns age 70

Child(ren) Amount: 25% of employees amount (rounded to the next $3,000); coverage for child(ren) is automatic at no additional cost

Evidence of Insurability (EOI) will be required if you elect to purchase more than $10,000 for yourself or for your spouse, if you elect to purchase coverage after your initial new hire waiting period, or if you wish to increase coverage.

 

Accident

This benefit will help you offset unexpected medical expenses resulting from an off-job covered accident. This benefit pays out for broken bones, dislocations, burns, cuts and other injuries as well as the treatment and follow-up care for those injuries. There are benefits built in for different phases of an accident (from initial care benefits to follow up treatment).

401(K) Retirement

Welcome to GUIDELINE 401(K)

H3 Hilton Head offers its 401(k) plan through Guideline. You’ll receive an email invitation to onboard during your first week with us. We encourage you to make contributions to your 401(k) because saving for retirement is smart, and not old fashioned.

Here’s what you need to know:

1. You should click the link in the email invitation to set up your Guideline account in a few easy steps.

2. You can make changes to your contribution rate or opt out at any time.

3. If you do nothing, you’ll start contributing 1% of your paycheck to your retirement savings.

What is a 401(k)?

A 401(k) is an employer-sponsored retirement plan that lets employees save and invest a part of their paycheck. H3 Hilton Head is offering you this benefit so you can set yourself up for success in your post-career future.

•        Receive tax benefits.

•        Invest and grow your savings with the magic of compound interest.

With Guideline, you can split your contributions between:

•        Traditional 401(k) contributions: Instant gratification.

•        A lower tax bill for the year because your W-2 income is decreased by the amount you contributed to your traditional 401(k).

•        You’ll pay taxes when you take the money (and any earnings) out of your traditional 401(k) in retirement.

•        Roth 401(k) contributions: Delayed gratification. You’ll pay taxes up front, but your Roth contributions will grow without being taxed. You’ll take the money (and any earnings) tax-free from your Roth 401(k) in retirement.

Disclaimer: The information above is provided for educational purposes only and should not be construed as personal investment advice or a guarantee of performance. All investments involve risk and your investments could lose.

Personal Support & Protection

Personal Insurance Solutions

InsurChoice

Email: InsurChoice@nfp.com or visit the link provided to get a customized quote.

All-around protection for what matters most to you — spanning the entire breadth of NFP’s focused expertise.

InsurChoice offers you the ability to personalize your own protection – bringing you quick, convenient, holistic coverage with incredible cost-saving discounts across a variety of top-rated insurance products and carriers.

Employee Assistance Program (EAP)

Mutual of Omaha

(800) 316-2796 | Visit www.mutualofomaha.com/eap

Mutual of Omaha’s Employee Assistance Program (EAP) has trained professionals to work with you and your immediate dependent family members as you search for solutions to personal and workplace issues. The program is voluntary and confidential; only your EAP professional will know you have called.

Services Include:

•24-hour toll-fee phone access to EAP professionals / 7 days a week

•Telephone assistance and referral

An EAP can provide assistance for variety of personal and professional matters, including:

Stress, Relationships, Mental Health, Drug/Alcohol Abuse, Life Changes,  Work/Home Balance, Parenting Financial Issues, Gambling, Grief,  Depression,  Addictive Behaviors, and more.

Additional Educational Videos

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read an EOB

How to Read an EOB

What is Balance Billing?

What is Balance Billing?

401k

401k

COBRA

COBRA

How to stretch your healthcare dollars

How to stretch your healthcare dollars

FMLA

FMLA

Have Questions?

Polly Ormeggio, Human Resources

Email: pormeggio@hhhealth.com         

Phone: (843) 785-3286 x352

NFP Advocacy

Email: chs-support@nfp.com

Phone: (843) 444-5280

You can view plan documents, notices and other resources in Employee Navigator, or on each individual carrier website (reference the carrier contact information provided on previous pages).

You may request a paper copy of any document at any time from Human Resources.

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