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 2024 benefit plans include:

  • Dental Plan- is moving to Delta Dental
  • Vision Plan- is moving to Delta Vision
  • Expanded Network for both Dental and Vision
  • $0 Virtual Visits on BOTH HDHP and Co-pay plan through UHC
  • NEW offering through InsurChoice- Legal Coverage


Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2024!


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

OPEN ENROLLMENT REMINDER!

open enrollment

Open Enrollment is from November 29, 2023 through December 7, 2023. This is the time of year where you can elect new plans with Hilton Head Health. You may switch between plans and make changes without being required to have a qualifying life event. Please also keep in mind the following when making your elections for 2024:



  • THIS IS A PASSIVE ENROLLMENT! If you are enrolled in Medical coverage and not making any changes to plans or dependents- Your current elections will carry forward to the new plan year 2024. No Action needed.


  • If you enroll in an HSA you MUST log in and make a new election in Employee Navigator each year. Your HSA election will NOT rollover to 2024.


  • If you are declining Medical coverage you MUST log into Employee Navigator and make that decline. Or complete a paper Waiver Form from HR.


  • Open Enrollment meetings will be held onsite at Hilton Head Health's Lecture Hall:
  • Wednesday November 29th @ 10:00 AM EST | 2:00 PM EST




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 2024 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, 2024. 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

United Healthcare (UHC)

Benefit Period: January 1 – December 31


Network: Choice Plus

Group Number: 1565699

Customer Service: (877) 797-8812 or visit www.myuhc.com or download the MyUHC Mobile App.


You have the choice between two medical plans for the 2024 plan year:. There is a network available for you; coverage may be significantly reduced if you obtain services out-of-network.


If you are already enrolled in one of UHC's medical plans today and have not already done so, please be sure to register through the myuhc.com member portal where you can access important information pertaining to your medical plans, including participating providers, a digital ID card, cost estimates for services, explanation of benefits for claims processed, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the Myuhc.com portal as of your effective date of coverage.



Medical Plan Overview






UHC Provider Place of Service

Where you choose to receive outpatient care can make a big difference in what you may pay. Your plan is designed to encourage use of freestanding network facilities – instead of hospitals – for greater cost savings.


You can login to myuhc.com and find a personalized cost estimate to compare and see your savings. You can also click on find a doctor or facility for a list of those near you by using your preferred zip code.


UHC Virtual Primary Care

When you don’t feel well, or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don’t have to.

A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10-15 minutes and doctors can write a prescription*, if needed, that you can pick up at your local pharmacy. And it’s part of your health benefits.


Virtual Care Doctors can diagnose and treat a wide range of non-emergency medical conditions, including:

• Bladder or Urinary Tract Infection • Diarrhea • Rash

• Fever • Sinus problems • Bronchitis • Migraine/headaches • Sore throat

• Cold/flu • Pink eye • Stomachache


Log into www.myuhc.com and choose from provider sites where you can register for a virtual visit. After registering and requesting a visit you will enter a virtual waiting room. During your visit you will be able to talk to a doctor about your health concerns, symptoms, and treatment options.


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 Core 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.


2024 IRS HSA Contribution Limits

Individual $4,150 Family $8,300

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 educe 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

(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

(844) 549-2603 I 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.






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.


Selections include:

Home, Auto, Pet Insurance, Renters, Mental Wellness, Travel Protection, Home Warranty, Cyber and Identity Protection, Legal coverage and a Discount Program


For more information or to elect this coverage, visit the link provided or email insurchoice@nfp.com.

insurchoice

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.