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Insurance Benefits

Group Medical

Option 1

Blue Cross and Blue Shield of Massachusetts provides comprehensive medical insurance through their HMO Blue New England Premier Value plan and an extensive physician and hospital network throughout New England. The plan includes preventative care, prescription drugs (including mail-order), bi-annual vision exams, worldwide emergency and urgent care, chiropractic care, and fitness benefits. There is a $1,000 deductible per person per year ($2,500/ family) for inpatient care (see "HRA" below). There is a $30 co-pay for most doctor's visits. For full-time employees, the College contributes 78% of the premium for either an individual or a family plan. The employee contribution is pre-tax, saving on Federal, State and FICA taxes.

HMO Blue New England Summary of Benefits and Coverage
BC/BS Enrollment Form - For Options 1 and 2 and/or Dental
Rate Schedule for A, B & C Employees - For all pre-tax benefits

To contact the Blue Cross customer service center, call 1.888.456.1351 and reference group number 2276596 or visit their website.

HRA - (Health Reimbursement Arrangement)

Gordon College will automatically enroll all members of the HMO Blue New England Premier Value plan into the Gordon College HRA plan administered by HRC Total Solutions of Manchester, NH. This plan will reimburse 50% of the cost of any in-patient deductible.

Deductibles and HRA (Gordon Plan Explanation)

Option 2

Blue Cross and Blue Shield of Massachusetts provides a High Deductible Health Plan (HDHP) through their Access Blue New England Saver plan. This HMO plan requires a Primary Care Physician but does not require referrals. The plan has a $1,500 initial deductible for individual coverage and $3,000 for family coverage. (Annual physicals are outside the deductible). After the Deductible for the year, there is only a $15 co-pay for office visits, $25 for Specialist, and none of the other deductibles in the HMO plan. A HSA (Health Savings Account) is available for HDHP participants to offset the plan deductible and other medical charges. HRCTS provides a VISA card for payment of covered expenses. Employees with an HSA may not have a FSA. (See links for information). The college will contribute 25% of the deductible (individual or family) to the participants HSA. The College contributes 80% of the premium for either an individual or a family plan. The employee contribution is pre-tax, saving on Federal, State and FICA taxes.

Access Blue New England Saver Summary of Benefits and Coverage
Health Savings Account from HRC Total Solutions
HSA Enrollment Form

To contact the Blue Cross customer service center, call 1.888.456.1351 and reference group number 004064195.

Group Dental

Blue Cross and Blue Shield of Massachusetts provides comprehensive dental insurance through their Dental Blue plan and their extensive network of dentist. The plan covers 100% of preventive dental expenses, 100% of basic restorative work after a $50 deduction and 50% of major restorative dental expenses. The maximum benefit is $1,000 per person per calendar year with a rollover feature for usage of less than half the limit. For full-time employees, the college contributes 50% of the premium for either an individual or family plan. (see Rate Schedule above under Group Medical.)

Dental Blue Coverage Summary
Rollover Brochure

To contact the Blue Cross customer service center, call 1.888.856.1351 and reference group number 2354895 or visit their website.

Vision Insurance

An employee paid pre-tax Vision Insurance Plan is available through VSP (Vision Service Plan). This low-cost plan includes significant savings on eyewear through participating doctors and retailers and annual eye exams. Enrollment is upon hire or Open Enrollment on the Flexible Benefit Election Form provided by HR.

          VSP Member Benefit Summary

To contact VSP member services, call 1.800.877.7195 and mention account number 30 078770 0001 or visit their website.

Legal Insurance

A post-tax employee Legal Insurance Plan is available through ARAG to cover phone and in-office legal assistance as well as online services covering a variety of legal issues like will preparation, home purchase, and identity theft. There are two levels of coverage depending on need. Enrollment is upon hire or Open Enrollment on the Flexible Benefit Election Form provided by HR.

ARAG Flyer

To contact ARAG legal center, call 1.800.247.4184 or visit their website and enter Access Code 18326gor. Basic legal information is available to all employees on that site without needing to be a member.

Group Term Life Insurance (GTL) plus Accidental Death & Dismemberment (AD&D) Insurance
Lincoln Financial Group provides Group Term Life Insurance and Accidental Death and Dismemberment Insurance to full-time Gordon College employees. Coverage is for a multiple of earnings based on age. (See Employee Handbook for details). For death, the AD&D coverage is an additional payment of the GTL amount. There is no cost for this benefit, however for GTL coverage over $50,000 there is a modest tax implication. For initial enrollment for both coverages, print out and complete the Enrollment Form and return it to Human Resources. Likewise, if you want to change your beneficiary, just complete the Beneficiary Change form and return that to HR.

Lincoln Financial Enrollment Form
Lincoln Financial Beneficiary Change Form
Certificate of Coverage
Life Continuation Premium Calculation
(For terminating employees wanting continued life insurance)
GTL Imputed Tax Value Table

To contact Lincoln Financial Group, call 1.800.423.2765 and reference our policy number – 01-0043547.

Supplemental Life Insurance
For employees wanting additional life insurance coverage above that provided by the college, as well as possibly spousal and/or child coverage, Gordon College makes available an employee paid, low-cost option through The Hartford. Eligibility is upon hire or during the annual enrollment in November. Employees not signing upon hire or exceeding the guaranteed coverage of $125,000 will need to complete a medical history form.

Supplemental Life Enrollment Form
Medical Underwriting Form (1st page to be completed by HR)
Coverage Brochure
Supplemental Life Insurance Certificate

To contact The Hartford Customer Service Unit, call 1.877.663.4278 and reference our Group # - 68892 or visit their website.

Long Term Disability Insurance
Gordon College automatically enrolls all full-time employees in long-term disability coverage insured by The Hartford. After six months of sick pay, an employee still unable to work due to injury or illness will receive 60% of their base pay from The Hartford for the length of their disability or until age 65. There are no cost or tax implications with this coverage.

Long Term Disability Benefits Highlights 
Application for LTD Benefits (Sections 2-5)

To contact The Hartford Customer Service Unit, call 1.877.663.4278 and reference our Group # - 68892 or visit their website.

Flexible Spending Accounts
Fulltime employees (working over 25 hours/week or more) are eligible to enroll in a medical care and/or dependent care flexible spending account on hire or during the open enrollment period in November. The accounts are funded by the employee's pre-tax contributions, saving up to 30% on net pay. Our outside vendor for this benefit, HRC Total Solutions, provides members with a Visa Card for payment of eligible expenses. Note: You cannot have an FSA if you have an HSA.

Flexible Spending Accounts - Education
FSA Election Calculator Worksheet
FSA Eligible and Ineligible Expenses
FSA Enrollment Form
FSA Universal Claim Form
Receipt Policy
Direct Deposit

To contact HR Concepts, call 1.877.647.1147 or visit their website.