2023 Insurance Benefits
Unless you have a qualified change in status, you cannot make changes to the benefits you elected until the next open enrollment period.
Davidson College understands the important role that insurance benefits play in the lives of you and your family. As a new hire and then annually during open enrollment in the fall, you have an opportunity to make changes to your benefits package to ensure you and your family have the right coverage.
Benefits Through SmartBen
Log into SmartBen (single sign-on required) for enrollment and benefit changes. For detailed steps to complete enrollment, download the SmartBen User Guide (login required).
Davidson College's comprehensive medical benefit options allows you to choose the coverage that best meets your needs and the needs of your family.
Medical Insurance Subsidy
Employees with an annual household income below $45,000 may qualify for a subsidy on their health insurance. Eligible employees must complete the adjusted health insurance premiums application and submit it to Human Resources on an annual basis. The health subsidy form needs to be submitted by December 1, to be effective January 1.
If you have health, vision, dental or a medical FSA, please note that no immediate action is needed. You will receive written information, mailed to your home address, about the option to continue your coverage under COBRA as your separation date draws closer. You have 60 days after your coverage ends to make a decision. Flores and Associates administers this coverage and can be reached at 704-335-8211.
Flexible Spending Accounts
Flexible Spending Accounts (FSAs) allow you to pay for eligible health and dependent care expenses with pre-tax dollars, eliminating federal and state income taxes and FICA tax on these expenses. Davidson College’s FSA program is administered Flores and Associates which offers both Health Care and Dependent Care Spending Accounts. Participants must re-enroll annually to continue the benefit. All benefit-eligible employees are eligible to participate
- Flexible Spending Account (FSA) ReimbursementA flexible savings account lets you set aside money to pay for many out-of-pocket medical expenses with pre-tax dollars.
- Dependent Care Reimbursement Account (FSA)The dependent care flexible spending account can reimburse you for day care expenses provided for your dependent child under the age of 13.
Health Savings Account (HSA) Only Available With HDHP Medical Plans
Staff Emergency Medical Fund
Staff employees whose annual pay from the college is $50,000 or less per year can request up to $500 in assistance from the Endowed Staff Medical Emergency Fund to meet a personal medical need, which they have no HSA, FSA, or HRA funds to cover. Medical expense reimbursements will be on a first‐come / first‐serve basis until the funds are exhausted. Learn more about how you can donate to this fund.
Employees who participate in any of the Davidson College health plans are eligible for virtual (telehealth and telemental) appointments via Teladoc.
Services and Programs
Employee Assistance Program
Tobacco Cessation Program
Davidson College offers this Cessation Program to help employees achieve freedom from tobacco.
The Travel Assistance benefit is designed to provide medical help to employees who are traveling internationally or domestically.
Supplemental Coverage (Additional Cost)
Accident, Critical Illness & Hospital Indemnity
Through Davidson's partnership with care.com, you get unlimited access to the world’s largest network of caregivers including nannies, tutors, senior caregivers, pet sitters and more.
Employees can elect Allstate insurance to take advantage of a comprehensive identity protection plan.
Long Term Care Coverage
Long-Term Care Insurance (LTCI) is available at discounted rates through Genworth. For more information or to enroll, go to: http://www.genworth.com/Davidson or call: 800-416-3624 to speak with a program expert.
Short Term Disability
No Surprise Billing
Transparency in Coverage
The Departments of the Treasury, Labor, and Health and Human Services issued the Transparency in Coverage Final Rules (85 FR 72158) on November 12, 2020.
New rules mean you’ll have visibility into your costs in advance of treatment. Make sure you take advantage of available tools and resources before seeking care.
The Fine Print
In the event of any conflict between the information presented in this site and the provisions of any legal plan document, the plan provisions as stated in the legal plan document will prevail.