2024 Insurance Benefits
51 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.
Unless you have a qualified change in status, you cannot make changes to the benefits you elected until the next open enrollment period.
Log into Oracle (single sign-on required) for enrollment and benefit changes. For detailed steps to complete enrollment, explore the .
New Hires & Newly Eligible Employees
You have 30 days from your date of hire into a benefit-eligible role to make your benefit elections in Oracle.
Healthcare
51's comprehensive medical benefit options allows you to choose the coverage that best meets your needs and the needs of your family.
You have the option of choosing between three different plans provided through . 51 and the employee share the cost of these plans.
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 (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. 51’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
- A flexible savings account lets you set aside money to pay for many out-of-pocket medical expenses with pre-tax dollars.
- The dependent care flexible spending account can reimburse you for day care expenses provided for your dependent child under the age of 13.
Staff employees whose annual pay from the college is $50,000 or less per year can request up to $500 in assistance from the 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 .
Employees who participate in any of the 51 health plans are eligible for virtual (telehealth and telemental) appointments via Teladoc.
Services and Programs
51 offers including Health Advocates, financial management and work/life balance resources. Take a moment to view the .
51 offers this to help employees achieve freedom from tobacco.
The benefit is designed to provide medical help to employees who are traveling internationally or domestically.
Supplemental Coverage (Additional Cost)
Through , 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 .
Long-Term Care Insurance (LTCI) is available at discounted rates through Genworth. For more information or to enroll, go to: or call: 800-416-3624 to speak with a program expert.
No Surprise Billing
Transparency in Coverage
The Departments of the Treasury, Labor, and Health and Human Services issued the (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.
Disclaimers
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.