Lowcountry Nursing /Interim Healthcare

Table of Content

  1. Header
  2. Welcome
  3. 2025 Open Enrollment
  4. Eligibility & Enrollment
    1. Eligibility
    2. Enrollment
  5. Medical
    1. Medical Co-Pay Plans Overview
    2. Medical HDHP Overview
    3. What to Expect as A Member
    4. True RX
  6. Tax-Advantaged Accounts
    1. Health Savings Account (HSA)
    2. Flexible Spending Accounts (FSA)
  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
  10. Insure Choice for Personal Insurance Solutions
  11. Additional Educational Videos
  12. Have Questions?
  13. Footer

Welcome

Please view your virtual educational benefits recording hosted by your NFP Advisor.

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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 2025 plan year. 

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 changes due to relocation
  • Medical Child Support Order

You have 30 days from the date of the event to notify Human Resources, or 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

Unified Group Services

Medical Benefit Period: January 1 – December 31



Group# 3336

Network: Cigna PPO

Customer Service: (765) 608-6680 l Website: www.unifiedgrp.com or use the Unified Grp App on your phone.

Your medical plans are administered by Unified Group Services. You have a choice between three medical plans for the 2025 plan year.

You may visit the provider of your choice, but there is also a network available for you through Cigna PPO. The amount of coverage may be reduced if you visit a non-network provider. You can view a list of network providers online, view claims and EOBs online at www.unifiedgrp.com.

The following benefit summaries are non-legal outlines of the benefits per plan. Refer to the full plan documents for more specific details.

Co-Pay Plans Overview

High Deductible Health Plan (HDHP) Overview

True RX

True Advocate is here to help assist with specialty medications and International Sourcing Prescriptions.

Tax-Advantaged Accounts

ISOLVED Benefit Services HSA

Customer Service: (866) 370- 3040

Website: 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. Your savings can be used to pay for qualified health care expenses today, tomorrow, next year – for your life.


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.

• You don’t lose it if you don’t spend it. The HSA account is yours. You take the funds 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.



HSA Overview

HSA Overview

HSA Store

HSA Store

ISOLVED Benefit Services FSA

Customer Service: (866) 370- 3040

Website: www.isolvedbenefitsservices.com

Participating in a Flexible Spending Account (FSA) is 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, 2025 - December 31, 2025. Your election will be payroll deducted evenly each pay period through the end of the plan year.

There are different types of FSA’s:

Health Care FSA: This account is used to reimburse medical, dental, vision, and pharmacy out-of-pocket expenses incurred by you and your dependents. Those that are not eligible to participate in the Health Savings Account (HSA) should consider participating in this account.

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.

Flexible Spending Account

Flexible Spending Account

How to Optimize your FSA

How to Optimize your FSA

Dependent Care FSA

Dependent Care FSA

Dental

Delta Dental

Benefit Period: January 1 – December 31

Network: Delta Dental PPO & Delta Dental Premier

Group # 2410091

Customer Service: (800) 335-8266 | Website: www.deltadentalsc.com

Your dental plan is administered by Delta Dental. There are two plan options to choose from.

There is a network available for you; the coverage may significantly be reduced if you obtain services out-of-network. Out of network reimbursements are based on the 90th percentile of usual & customary fees: you may be balanced billed if your dentist does not consider this reimbursement as payment in full.

Vision

Delta Vision

Delta Dental Vision

Benefit Period: January 1 – December 31

Network: EyeMed Insight

Group # 2410091

Customer Service: (877) 226-1412 l Website: www.deltadentalsc.com/vision

Your vision plan is administered by Delta Vision. There is a network available for you; the coverage may be significantly reduced if you obtain services out-of-network.

Members have access to an award-winning call center, with extended hours, and 24/7 access to benefit information and a provider locator through the member portal. The member portal at DeltaDentalMO.com/Vision is a one-stop-spot for members to quickly and easily manage their vision benefit.

Financial Protection

Mutual of Omaha

Group Number: G000CF9D

Customer Service: (800) 877-5176 l Website: www.mutualofomaha.com

Employees have the option to purchase from one or more voluntary benefit plans such as Life & Accidental Death and Dismemberment, Disability, Accident and Critical Illness. These plans will help manage financial challenges you and your family may face during your life and at the end of life.

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: Elect in increments of $10,000 up to guaranteed issue of $100,000 or elect up to maximum of 5x salary or $300,000; benefit amount reduces at age 70.

Spouse Amount: Elect in increments of $5,000 up to guaranteed issue of $10,000 (not exceeding 100% of employee amount) or elect up to maximum of 100% of employee amount or $250,000; spouse coverage terminates when spouse turns age 70.

Child(ren) Amount: Elect in increments of $5,000 up to maximum of $10,000; covers all child(ren)

New Hires are eligible to elect up to the guaranteed issue amount without completing health questions. Evidence of Insurability (EOI) is required for elections on a future date or over the guaranteed issue amount. This can be submitted online at www.mutualofomaha.com/eoi Group Number: G000CF9D.

Employees already enrolled when the 2025 open enrollment begins, can increase their coverage by $10,000 without answering 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.

For more information on leave policies that are not related to a disability, please refer to Human Resources and the leave policies.

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.

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?

Interim Healthcare

Sandra Cantalupo

Email: scantapulo@interimhealthcare.com

Phone: (843) 518-5437

NFP Advocacy

Email: chs-support@nfp.com

Phone: (843) 444-5280

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

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