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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 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.