Faculty/Staff Benefit Information

The following summaries are to give an overview of Hobart and William Smith Colleges' employee benefit plans in effect as of January 1, 2018. Please review each section thoroughly and use for future reference. The benefit summaries are guidelines only. The Colleges retain the right to supplement, modify, amend or eliminate the plans. Every effort has been made to make these descriptions as brief, accurate and easy to understand as possible. Therefore, all details may not be described here. If there is a difference between the information in these sections and the official plan document, the official plan documents will govern. For more specific information, please contact Human Resources at ext. 3312 or email at hr@hws.edu.

Medical Coverage

Excellus BlueCross Blue Shield rates will increase by 3.6% for 2018. Coverage and copay amounts will remain the same for the Excellus PPO health plan. Due to low enrollment, the Excellus High Deductible plan is no longer being offered in 2018. All employees currently enrolled in this plan will be transferred to the Excellus PPO plan.

The summary of the Excellus health plan is at the link below.

2018 Excellus BluePPO

Guardian Dental and Vision Coverage

There are no changes to the Guardian dental plan for 2018.

New for 2018, employees will now be able to select one of two vision options – Davis Vision or VSP – both plans are under Guardian Vision Insurance. Davis Vision provides coverage if you use retail providers and is cheaper in cost. VSP is available for a slightly higher rate and provides coverage for independent/private opticians. You are encouraged to review which in-network and out-of network coverage options best meets you and your family's needs

At the links below are provider directories for each program within 50 miles of HWS. To find a vision provider in your area please visit www.guardiananytime.com.

Summaries of the dental and vision coverage through Guardian can be found at the link below.  Log on to Guardian's provider search directory at www.guardiananytime.com to select a participating dentist or vision provider. Or you can call the Members Services number at 800-541-7846.

2018 Guardian Dental Summary

2018 Guardian Vision Summary

Davis Vision Provider List

VSP Provider List

2018 Rates

For medical, dental and vision 2018 rates please click below.

2018 Faculty/Administrative Rates

2018 Administrative Hourly Rates

OptumRx Prescription Coverage

OptumRx will remain as the pharmacy vendor for enrolled participants in the Colleges Excellus medical plan. The current copay structure of $10/$30/$50 for retail and $20/$60/$100 for mail order will remain for 2018.

More information regarding retail pharmacy prescriptions, mail order and online and mobile services can be found by clicking here.

Information regarding OptumRx formularies can be found here.

The Colleges member services number for OptumRx is 855-577-6311.

Flexible Spending Account (FSA)

An FSA allows you to set aside tax-free dollars from your paycheck to pay for eligible expenses, including medical plan deductibles, office visit co-pays, prescription drug co-pays, unreimbursed vision care expenses, unreimbursed dental expenses, and the cost of daycare for dependent children. The money reserved for these expenses is exempt from federal, state, and Social Security taxes. The use of the Benny debit card, where accepted, eliminates the need to wait for reimbursement. If you are a current participant and plan to re-enroll for 2018, please keep your existing debit card which will be funded with your new election. Additional information about the FSA can be found at fbsflex.com.

The maximum annual medical Flexible Spending Account (FSA) election will be limited to $2,650 per employee. The limit for dependent care FSA is $2,500 or $5,000 depending on your filing status.

A reminder to current FSA Participants: You are encouraged to exhaust your spending account balance. Services or purchases should be rendered by December 31, 2017. In the event that you don’t spend all your FSA funds, you have a grace period of 75 days following the plan year to incur expenses (for medical FSA only). Claims for 2017 must be submitted to Flexible Benefit Systems by June 15, 2018.

Please note: Benny cards should only be used at a pharmacy or medical offices. If used at a dental or vision office substantiation of purchase will be required and Benny Card may temporarily be shut off until substantiation is provided.

More information regarding Flexible Spending Accounts.

ENI - HWS Employee Assistance Program Vendor

The Colleges EAP provider not only provides counseling services but also child/elder care resources, personal assistance, legal and financial consultations and features a personalized web portal. The BalanceWorks program is a work/life benefit provided to you at no cost by HWS and is completely confidential.

You and your family members are able to utilize the BalanceWorks services for confidential assistance with everyday work and family issues as well as more challenging personal concerns.

The information at the link below provides a list of services and contact information.

HWS Employee Assistance Program

Supplemental Life Insurance Programs

Life insurance gives a person a peace of mind, knowing that there is financial protection for one's family after his or her death. The Colleges provides benefits-eligible employees with the following group term life insurance programs. Term life insurance is basically death benefit coverage only for a specified period with no cash value, loan value, or other permanent benefit under the policy.

The Colleges provides employees basic term life insurance in an amount equal to the employee's annual salary up to a maximum coverage of $200,000. The cost of this coverage is paid for by the Colleges.

The Colleges also provide a contributory supplemental life insurance plan. Participation in this plan is voluntary. Under this plan, employees may purchase additional life insurance equal to one, two, three or four times their annual salary. The overall maximum sum of the basic life policy provided by the Colleges and the supplemental life policy is $650,000. Completion of evidence of insurability form may apply.

Supplemental Life Premiums information

Spousal and Dependent Life Insurance

Employees may purchase from a selection of life insurance coverage levels for his or her spouse and/or dependents. Spousal life insurance is available at $10,000, $25,000 or 50% of the employee's total basic and supplemental life coverage (may be required to provide evidence of insurability) up to $100,000. Premiums are age-rated and based on the employee's age. Dependent life insurance is available at a level of $4,000 for dependents age six months to 19 years of age; $100 coverage for children ages two weeks to six months. Premium is a family rated monthly premium regardless of the number of eligible dependents covered. Completion of evidence of insurability form may apply.

Retirement Plan

The 403(b) general annual limit for 2018 increase to $18,500 and the Age-50 Catch-up limit will remain the same at $6,000. If you wish to make changes to your retirement contributions by the first pay of 2018, please submit your Salary Reduction Agreement form to Human Resources by December 19th.

MORE Information

Benefits Fair

Instructions on Enrolling is Easy

Open Enrollment Dates

Qualifying Life Event Change

Medical Opt Out Stipend

Paid Family Leave (PFL)

Compliance and Other Information

Health Care Reform (Affordable Care Act "ACA")
Your 2017 federal tax return will require information to demonstrate that you satisfied the ACA's obligation to have health insurance. Around the time that you receive your Form W-2, you will also receive Form 1095-C (Employer-Provided Health Insurance Offer and Coverage). You will use the information in Part III of the Form to prepare your tax return.

Compliance Documentation
As a plan participant, you are entitled to a comprehensive description of your rights and obligations under the Welfare Benefits Plan and the Flexible Spending Plan. We?ve posted a copy of the following documents to the new benefits portal. In order to ensure that you fully understand the benefits available to you and your obligations as a plan participant, it is important that you familiarize yourself with the information contained within these documents.

  • Welfare Benefits Plan - Summary Plan Description & Summary of Material Modifications
  • Flexible Benefits Plan - Summary Plan Description & Summary of Material Modifications
  • HIPAA Notice of Privacy Practices
  • Premium Assistance-Medicaid & CHIP
  • Annual Notices
  • 2018 Health Plan Summary of Benefit Coverage (SBC)

If you would like to receive a paper copy of any or all of these documents, contact Relph Benefits Advisors at 1-800-836-0026.

Relph Benefit Advisors (RBA)
Benefit plan participants can save time and effort by allowing RBA to assist with your medical, prescription, dental and flexible spending plan questions. RBA is available M-F 8am-6pm by calling 1-800-836-0026. Services include;

  • Assistance enrolling on the new benefits portal
  • Help understanding and navigating your health care plan
  • Ordering replacement plan I.D. cards
  • Locating providers and specialists
  • Estimates for out-of-pocket cost and plan coverage
  • Assistance with resolving provider billing & insurance claims
  • Help with facilitating approvals & prior authorizations for services, as required
  • Support with out of area services
  • Any other related healthcare topic

Preparing Students to Lead Lives of Consequence.