Welcome

Eligibility & Enrollment

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

ELIGIBLE DEPENDENTS

Your eligible dependents include:

  • Spouse
  • 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

Complete your elections online through Insperity for the 2026 plan year.

QUALIFYING EVENTS

The elections you make will remain in place through December 31, 2026. 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 changes 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

United Healthcare

Medical Benefit Period: January 1 – December 31

You have the choice between three plans for the 2026 plan year.

UHC PPO - Co-Pay BUY-UP and HDHP

Network: United Healthcare Choice Plus

Group # 1771050 | (866) 801-4409 | Visit www.myuhc.com or download the MyUHC Mobile App!

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

If you enroll in the Co-Pay BUY-UP or HDHP medical plan, please be sure to register on the UHC member portal at www.myuhc.com or download the app, where you can access important information pertaining to your medical plan with UHC. Examples include participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. You will be able to register in the portal as of your effective date of coverage.

UHC SUREST - Co-Pay BASE

Network: United Healthcare Choice Plus

Access Code: FISC242511Alt3

Group # 1771050 | (866) 683-6440 | Visit www.benefits.surest.com or download the Surest Mobile App

If you enroll in the Co-Pay BASE (SUREST) medical plan, through the Surest app or website, you can see the price, or copay, for a single visit and what’s included in that amount beforehand, to make it easier for you to plan ahead. Download the Surest app, set up your HealthSafe ID, sign in to start shopping and comparing care options. Your HealthSafe ID uses dual-factor authentication to safeguard your account information. You will need to provide your first and last name, date of birth and Surest Member ID or Social Security Number to register. You will be able to register in the portal as of your effective date of coverage.

Note: Spouses that are eligible for group health insurance through his or her employer will be subject to a $200/month surcharge if you choose to enroll them in one of the Lowcountry Nursing medical plans. You are required to provide this information to Human Resources during enrollment and if there are any changes throughout the year.

Note: Spouses that are eligible for group health insurance through his or her employer will be subject to a $200/month surcharge if you choose to enroll them in one of the Lowcountry Nursing medical plans. You are required to provide this information to Human Resources during enrollment and if there are any changes throughout the year.

UHC SUREST Helpful Information

If you choose to enroll in the SUREST Co-Pay Base Plan, in order to enjoy the highest benefits available, you must make sure you're seeing a SUREST network provider.

To locate a UHC SUREST Network Provider:

  • Click the SUREST Plan Overview button located below
  • Hit Continue until you see "Check all prices" and choose that option
  • Enter Search Criteria to find provider care at the best price!

Tax-Advantaged Accounts

ISOLVED Benefit Services

(866) 370-3040 | Visit www.isolvedbenefitsservices.com

If you enroll in a HDHP Medical Plan, 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.

*HSA Contribution Limits:

Based on your medical plan coverage level

$4,400 Individual

$8,750 Family

$1,000 additional catch-up contribution for individuals age 55+

*These limits are based on your medical plan coverage level. Family coverage includes Employee + Spouse, Employee + Child(ren) and Employee + Family.

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 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. Be sure to keep your receipts as the IRS may request these in the event of an audit.

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

How to use your HSA and access your account details:

You will receive a debit card that will be linked to your HSA. You can use it to pay providers when you incur eligible expenses. Payments can also be made via check, online bill-pay or you can reimburse yourself if you pay out of pocket for an expense.

HSA Overview

HSA Overview

HSA Store

HSA Store

(866) 370-3040 | Visit www.isolvedbenefitsservices.com

Flexible Spending Accounts (FSAs) provides an opportunity to put aside payroll dollars tax-free, to pay for eligible expenses. Eligible medical expenses are described in IRS Publication 502, but in general your FSA can be used for expenses (that are not otherwise reimbursed) relating to medical, dental, vision, pharmacy, and eligible dependent care expenses incurred during the plan year.

Make an election based on your estimated expenses (up to the limits) for this plan year January 1 – December 31, 2026. Your election will be payroll deducted evenly each pay period through the end of the plan year.

FSA Contribution Limits:

Health Care FSA: $3,400

Limited-Purpose FSA: $3,400

Dependent Care FSA: $7,500 ($3,750 if married and filing separately)

Health Care FSA: May be used to pay for eligible medical, prescription, dental and vision expenses not fully covered by your insurance plans for you and your tax eligible dependents. Those that are not eligible to participate in the Health Savings Account (HSA) should consider participating in this account.

Limited Purpose FSA: Available to those who are enrolled in the HDHP plan with a Health Savings Account. Limited Purpose FSAs can only be used on eligible dental and vision expenses. When coordinated with an HSA, this account can further reduce your taxable income while allowing you to allocate your HSA funds to medical and pharmacy expenses. Those that participate in the Health Savings Account (HSA) should consider participating in this account for their dental and vision expenses.

Dependent Care FSA: This account is used to reimburse expenses related to care of your eligible dependents while you (and your spouse, if married) work. Covered expenses must be for dependent children 13 and under, or any person of any age whom you claim as a dependent on your taxes that is mentally or physically incapable of caring for himself/herself.

How to submit a claim:

You may use your FSA debit card to pay for medical, dental, vision, and dependent care claims at the time of service. If needed, you may file for reimbursement for medical, dental, vision, and dependent care expenses through the www.isolvedbenefitsservices.com website, or via mail or fax. The FSA is regulated by the IRS and you may be required to provide documentation to substantiate your claim.

Flexible Spending Account

Flexible Spending Account

How to Optimize your FSA

How to Optimize your FSA

Dependent Care FSA

Dependent Care FSA

Dental

United Healthcare

Benefit Period: January 1 – December 31

Network: UHC Dental

Group # 1771050 | (800) 445-9090 | Visit www.myuhc.com or download the MyUHC Mobile App!

There is a network available for you; coverage may be significantly reduced if you obtain services out-of-network. You may be balance billed if your dentist does not consider this reimbursement as payment in full.

Vision

United Healthcare

Benefit Period: January 1 – December 31

Network: UHC Vision

Group # 1771050 | (800) 638-3120 | Visit www.myuhcvision.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.

Financial Protection

United Healthcare

Group # 1771050 | (866) 801-4409 | Visit www.myuhc.com

Interim Healthcare provides you with Basic Life/AD&D at no cost to you.

Mutual of Omaha

Group # G000CF9D | (800) 877-5176 | Visit www.mutualofomaha.com

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

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:

$25,000; benefit amount reduces at age 65.

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 $300,000 (maximum 5x salary); benefit amount reduces at age 70.

Spouse Amount: increments of $5,000 up $250,000 (maximum of 100% of employee amount); spouse coverage terminates when spouse turns age 70.

Child(ren) Amount: increments of $2,000 up to $10,000; covers all child(ren)

Evidence of Insurability (EOI) will be required if you elect to purchase more than $100,000 for yourself, $10,000 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.

You have the option to elect Short-Term Disability and or Long-Term Disability. Disability replaces a portion of to work due to a covered disability.

Short Term Disability

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

Benefits begin on the first day for an accident/ on the 15th day for a sickness for a duration up to 11 weeks.

There is a pre-existing clause of 3 months look back and 6 months exclusion.

Long Term Disability:

60% of monthly earnings up to $5,000 per month.

Benefits begin on the 91st day for a duration up to lesser of 5 years or age 70

There is a pre-existing clause of 3 months look back and 12 months exclusion.

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.

Your cost is based on coverage level/benefit amount selection, age and tobacco usage. You can view your specific costs when enrolling online.

Critical Illness

This benefit will help you pay for non-medical and out-of-pocket medical expenses upon diagnosis of covered specified critical illnesses. This product provides a lump sum payment option of $5,000-$30,000 upon diagnosis depending on your needs. Subsequent diagnosis benefits are also included in this plan. This benefit provides a $150 reimbursement once per calendar year per insured person for a Health Screening.

Accident

This benefit will help you off-set unexpected medical expenses resulting from a 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). This benefit provides a $150 reimbursement once per calendar year per insured person for a Health Screening.

Employee Assistance Plan (EAP)

United Healthcare

(888) 887-4114 | Visit www.

United Healthcare'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

Understanding Medicare

Understanding Medicare

Have Questions?

Interim Healthcare

Sandra Cantalupo

Email: scantapulo@interimhealthcare.com

Phone: (843) 518-5437

NFP Advocacy

Email: chs-support@nfp.com

Phone: (843) 444-5280

Benefit summaries and information provided are non-legal outlines of the benefits per plan. Refer to the full plan documents for more specific details. You may request a paper copy of any plan document at any time from Human Resources.