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

You have the option of choosing between three different plans provided through Blue Cross Blue Shield. Davidson and the employee share the cost of these plans. Check if Your Provider is In-Network

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. 

2023 COBRA Rates

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

Health Savings Account (HSA) Only Available With HDHP Medical Plans

Prescription Benefits

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​.

Teladoc Telehealth

Employees who participate in any of the Davidson College health plans are eligible for virtual (telehealth and telemental) appointments via Teladoc.

Teladoc Telehealth

Services and Programs

Employee Assistance Program

Davidson offers Employee Assistance Programs including Health Advocates, financial management and work/life balance resources. Take a moment to view the Advocacy video.

Tobacco Cessation Program

Davidson College offers this Cessation Program to help employees achieve freedom from tobacco. 

Travel Benefit

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.

Identity Protection

Employees can elect Allstate insurance to take advantage of a comprehensive identity protection plan.


Life Insurance

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.

Resources, Rights & Protections



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.

Compliance Documents