2025 Williams College Benefits Guide : simplebooklet.com

Enrollment is completed online. You mustcomplete your enrollment during your newhire/newly eligible waiting period or annuallybefore open enrollment ends.Who can I add to my coverage?Note: You the employee must be enrolled in the coverage youwish to enroll a dependent into.Legally Married SpouseBiological ChildrenStepchildrenAdopted ChildrenChildren in your custody for adoptionChildren under your legal guardianshipPermanently disabled children over plan age restrictionsEnroll nowYou may only enroll in benefits when you are first eligible ormake changes to your benefits during open enrollment.However, you can make changes/enroll during the plan year ifyou experience a qualifying life event:Marriage DivorceNew Baby/AdoptionDeath of DependentYour Dependent's Open EnrollmentYou/Dependent lose other coverageYou/Dependent gain other coverageYou/Dependent lose Medicaid coverageYou/Dependent gain Medicaid/Medicare coverageGetting StartedMaking benefit selectionsMid Year Changes l Qualifying Life EventsIf you have a qualifying life event, you must submityour changes within 30 days of the event (60 days forMedicare or Medicaid events), or you must wait untilannual open enrollment to make any benefits changes.These events should be entered online through yourenrollment platform. You may also be required toprovide proof of the event to HR.See Full Event List HereFor assistance, contact Human ResourcesGeneralHR@wiliams.eduext. 2681Megan Childers, Benefits Specialistmab7@williams.edu413-597-4355 Employee EligibilityLeslie Perra, AD for Benefits and Wellbeinglyp2@williams.edu413-597-4478

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HMO Blue New EnglandHMO Blue New England $500 DeductiblePPO Blue Care Elect$500 DeductiblePPO Blue Care Elect Saverwith HSAIn-network careMedical Network Name:HMO Blue New EnglandHMO Blue New EnglandPPO BluePPO BlueDeductible (DED)$0 Employee Only $0 Family$500 Employee Only $1,000 Family$500 Employee Only $1,000 Family$1,650 Employee Only $3,300 FamilyMedical Out-of-Pocket Max$2,000 Employee Only $4,000 Family$1,500 Employee Only $3,000 Family$1,500 Employee Only $3,000 Family$3,000 Employee Only $6,000 FamilyPre-tax account availabilityFSAFSAFSAHSA and LPFSAPreventive carePrimary care visitSpecialist visit100% covered (No Cost)$20 copay$30 copay100% covered (No Cost)$20 copay$30 copay100% covered (No Cost)$30 copay$30 copay100% covered (No Cost)DED then you pay $0DED then you pay $0Urgent careEmergency roomOutpatient hospital careInpatient hospital care$30 copay$100 copay$250 copay$500 copay$30 copay$100 copayDED then you pay $0DED then you pay $0$30 copay$100 copayDED then you pay $0DED then you pay $0DED then you pay $0DED then you pay $100DED then you pay $0DED then you pay $0Pharmacy Network Name:SmithRxSmithRxSmithRxSmithRxPharmacy Out-of-Pocket Max$1,000 Employee Only $2,000 Family$1,000 Employee Only $2,000 Family$1,000 Employee Only $2,000 FamilyCombined with MedicalPrescription drugsGeneric Preferred brand Non-preferred brandSpecialty(30 days / 90 days)$15 copay | $30 copay$30 copay | $60 copay$50 copay | $100 copay$50 Copay | Not Avail.(30 days / 90 days)$15 copay | $30 copay$30 copay | $60 copay$50 copay | $100 copay$50 Copay | Not Avail.(30 days / 90 days)$15 copay | $30 copay$30 copay | $60 copay$50 copay | $100 copay$50 Copay | Not Avail.(30 days / 90 days)DED then $15 copay | $30 copayDED then $30 copay | $60 copayDED then $50 copay | $100 copayDED then $50 Copay | Not Avail.Out-of-network care available?NoNoYesYesYour cost for coverageEmployee OnlyEmployee + 1Employee + FamilyMonthly Amount$273.71$602.17$793.77Monthly Amount$192.21$422.86$557.41Monthly Amount$222.77$490.10$646.04Monthly Amount$152.97$336.53$443.61Plan Documents Plan Documents Plan Documents Plan DocumentsMental Health SupportFind a DoctorPrescription Drug ListRewards ProgramsTelemedicinePreventive CareMedicare Basics Where to Seek CareMedical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.All plan coverage shown represents in-network coverage. For out-of-networkcoverage reference your plan documents.Your medical insurance comes with a lot of different resources to help you savemoney, make good health choices, and better understand your health. Access theresources below to make the most of the medical benefit you choose.with

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Employee OnlyFamily2025 Maximum$4,300$8,550See how an HSA can help yousave for today and tomorrow.If you cover yourself onlyIf you cover any dependentsJanuary: $250July: $250January: $500July: $500Health Savings Account (HSA)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.55 or older? You can contribute an extra $1,000 per year in catch-upcontributions.Those enrolled in the company qualified High Deductible Health Plan (HDHP) are eligible for an HSA.Employer ContributionsIRS Contribution LimitsContributionsThe combination of your contributions and your employer'scontributions cannot exceed the IRS limits.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information. Reduce your taxable income by contributing into thisaccount.1. Pay for qualiﬁed healthcare expenses free of tax.2. Earn tax-free interest on HSA dollars and invest tax free. 3.Triple tax savingsYou cannot have an HSA and ...The money you save in your account can be spent on qualifiedMedical, Dental, and/or Vision expenses. View a full list HERE.The money you save stays with you if you change jobs, just likeany other bank account. Unspent funds remain in your bankaccount.Save for your future by contributing to the limit – an HSA is agreat way to save for your immediate expenses and forretirement.The money in the account is available as it’s deposited.Start, stop, or change your contributions at any time (limitationsmay apply - consult HR).Key FeaturesBe enrolled in Medicare or Medicaid, or a non-HDHP plan (ifyou gain this coverage, you must stop HSA contributions, butyou can spend down any money in your account).*Be claimed as another person's tax dependent.Have a full purpose/healthcare Flexible Spending Account(FSA) – nor can your spouse, even if you are not participatingin their medical plan and/or they are not enrolled with you.*Those Medicare eligible should speak with a licensed Medicareconsultant. For high level HSA considerations referenceMedicare.gov (look for 'I have a Health Savings Account (HSA)').All Your HSA FAQs

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Allowed ExpensesMedical, Dental, and Vision2025 IRS maximum contribution$3,300Annual rollover amountRollover up to $660Balance AvailabilityFull annual election available day oneSpecial ConsiderationsOpen to all employees except thoseeligible to contribute to an HSAFlexible Spending Accounts (FSAs)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Dependent Care Account (DCA)Full Purpose FSAFlexible Spending Account is a blanket term that covers a number of pre-tax savings options. Flexible Spending Accounts are a form of self-insurance andfollow the same laws as other types of pre-tax benefits (like medical or dental). Once elected, you must have a qualifying life event to stop or change yourdeduction amount. If you do not elect when eligible/available, you cannot newly enroll without a qualifying life event.Set aside pre-tax dollars to pay for qualified expenses.Allowed ExpensesChildcare or adult daycare 2024 IRS maximum contribution$5,000Annual rollover amountRollover not allowed by the IRSBalance AvailabilityFunds available as they aredepositedSpecial ConsiderationsFunds can only be spent on taxdependents and are to be used soyou (and your spouse if applicable)can go to work. Funds are forfeited ifyou leave employment.Eligible expensesEligible expensesLimited Purpose FSAAllowed ExpensesDental and Vision ONLY2025 IRS maximum contribution$3,300Annual rollover amountRollover up to $660Balance AvailabilityFull annual election available day oneSpecial ConsiderationsOpen only to employees eligible tocontribute to an HSAEligible expensesBudget for Success

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Network name:Dental Blue Program 2In-networkOut-of-networkAnnual Deductible (DED)$50 per person $50 X3 family max$50 per person $50 X3 family maxAnnual maximum benefit$2,000 per person $2,000 per person Preventive care100% covered100% coveredBasic careDED then you pay 20%DED then you pay 20%Major careDED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime max benefitCovered 50%$1,500 Lifetime Benefit MaximumYour cost for coverageEmployee onlyEmployee + 1Employee + FamilyMonthly Amount$8.19$18.03$23.77Plan DocumentsDental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Stay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Your dental insurance comes with a lot of different resources to help yousave money, make good health choices, and better understand your health.Access the resources below to make the most of your coverage.The Dental Plan includes 100% coverage for all tiers of dental services forcovered dependents under age 13.Find a Provider 4 Ways to Save on Dental

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BasicEnhancedIn-network careNetwork name:Eyemed insightEyemed insightAnnual eye exam (every 12 months)Not Covered(A Vision Exam is included in the medical plans)Not Covered(A Vision Exam is included in the medical plans)Lenses (every 12 months)$25 copay$25 copayFrames (every 12 months)$130 allowance; 20% off balance over allowance$160 allowance; 20% off balance over allowanceContact lenses (every 12 months)$160 allowance; 15% off balance over allowance$160 allowance; 15% off balance over allowanceYour cost for coverageEmployee OnlyEmployee + SpouseEmployee + Child(ren)Employee + FamilyMonthly Amount$5.11 $10.24 $9.73 $15.04Monthly Amount$6.85 $13.72 $13.04 $20.16Plan Documents Plan DocumentsYour vision plan covers either glass lenses (lenses in your frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glass lenses benefit.Vision insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.Find a ProviderAll plan coverage shown represents in-network coverage. For out-of-network coverage reference your plan documents.Your vision insurance comes with a lot of different resources to help yousave money, make good health choices, and better understand your health. Access the resources below to make the most of your coverage.Vision, More than your Eyes

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The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract,and other notices contained in this document, applications, and other corresponding communications for additional information.24/7/365 access to care1-866-799-2485http://www.healthadvocate.com/wcanswers@healthadvocate.comNational Crisis HelplinesSuicide and Crisis: 988Sexual Assault: 800-656-4673Domestic Violence: 800-799-7233Child Abuse: 800-422-4453Substance Abuse: 800-662-4357Trevor Project: 866-488-7386Learn MoreOur Employee Assistance Program (EAP) is a confidential service with accessto guidance and resources at no cost for: Depression & anxiety - and other mental health concernsFamily relationships and parentingAddiction and substance abuseFinancial issuesLegal problemsChildcare and eldercareGrief and lossEssentially, if it's part of your life, our EAP is here for you.Everyo ne needs support sometimes (even superheroes).Will anyone know I contacted the EAP?The EAP is confidential. No one will know you called or what wasdiscussed.Who can use the EAP?Your spouse and children all have access to the EAP and it'sservices.Face to Face Visits?For no cost, each person can receive up to 5 face-to-face (or virtual)visits with a licensed counselor per issue per year. Additionalvisits - if needed - will go through your health insurance.EAP FAQsEmployee Assistance Program (EAP)Care for your mind – and your life.See a full list of helplines HERE

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Plan InformationBasic lifeBasic AD&DCoverage$50,000$50,000Plan InformationEmployeeSpouseChild(ren)*Coverageincrements1-5X AnnualEarnings$10,000$5,000GuaranteeIssue$350,000$50,000$5,000Maximum$1,000,000$50,000$5,000Electing an amount over the Guarantee Issue (GI)? Are you a lateenrollee (declined coverage when first eligible)? If you answered yes to either or both questions, you must completean Evidence of Insurability (EOI) form. If you are newly eligible andelecting coverage over the GI, you will not be approved for coverageover the GI until your EOI form has been approved. If you are a lateenrollee, the GI does not apply and any amount you apply for will notgo into effect until your EOI is approved.What's AD&D?Accidental death and dismemberment (AD&D) insurance maypay:your beneficiary if you pass away due to an accidentyou a partial benefit due to the loss, or the loss of use, of bodyparts or functions such as limbs, speech, eyesight, andhearingLife and AD&D insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Financial peace of mind.Life insurance pays a benefit if you pass away while you're covered. Accidental Death and Dismemberment (AD&D) insurance pays an additional benefit if you pass away or are seriously injured due to anaccident.Basic life and AD&D insuranceThis coverage is no cost to you.A beneficiary is the person, persons, or organization whowould receive your benefit in the event you lose you life.Make sure your beneficiaries are up to date – you canchange them at any time!Voluntary life and AD&D insurancePurchase additional coverage for you, your spouse, and yourchild(ren).You, the employee, must enroll/be approved for coverage for your spouse and/or child(ren) to alsoenroll.*Children Birth - 6months: $1,000 coverage limitHow much coverage do I need?

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Plan DocumentsPlan TypeEmployer Funded CoverageWeekly Covered IncomeVaries by positionAccident Benefit Begins6th DaySickness Benefit Begins6th DayMaximum Duration ofBenefits26 Weeks (180 Days)Plan DocumentsPlan TypeEmployer Funded CoverageMonthly Covered Income60% of your income to $8,000maximumBenefit BeginsAfter 180 Days of DisabilityMaximum Duration ofBenefitsSocial Security NormalRetirement Age (SSNRA)Disability, FMLA, and ADADisability insuranceThe benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.Disability coverage insures your paycheck, replacing a portion of your income if you’reunable to work due to a covered illness or injury.Short-term disabilityShort-term disability coverage can replace part of yourpaycheck if you’re unable to work for a shorter period of time. Long-term disability Long-term disability coverage can provide lasting incomeprotection if you remain unable to work beyond a short termdisability.Check your plan details to see how pre-existing condition limitationsmight impact your coverage.Pre-existing condition limitationsThe maximum is the longest length your disability will be covered. Most disabilities are shorter than the maximum and the length isdetermined by standardized measurements and medical advice.Duration of BenefitsOPTIONAL SUPPLEMENTAL LTD COVERAGEThe supplemental coverage is voluntary. This coverage is ontop of the employer paid portion of the benefit. Benefits: +10% of earnings to a maximum of +$2,000 a Month (equaling70% of earnings to $10,000 max per month).Additional Resources and Information Click each for more information. Parental Leave Family LeaveLeave Policies Federal FMLA Sick Leave Holidays Vacation See All Leave Policies HERE

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Additional benefit optionsAdditional benefit plans are a great way to customize your benefits package.The benefit plan information shown in this guide is illustrative only. To the extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlyinginsurance documents will govern in all cases.EnhancementsBariatric Surgery. Bariatric surgery is covered by the medical plansfor adults over the age of 18 who qualify (meet medical necessitycriteria). Reference your plan documents for full details. Adult Ortho. The Dental plan offered by Williams College coversOrthodontia for both children and adults (this may not apply toadults who have previously had orthodontia in their lifetime).Gender Affirming ResourcesBCBS has Member Service associates who can review yourbenefits and costs, and help you find a doctor who fits your needs.Call 1-888-243-4420, and please let them know your preferred nameand your pronouns.Long Term Care InsuranceLong-term care planning is part of the life-cycle planning process,yet it’s missing from most individual’s retirement planning. Aprimary goal of this important benefit is to provide education on atopic that could threaten your financial security and quality of life.Policies may be available to spouse/partners and other extendedfamily members between the ages of 40 and 85 years of age.Learn MoreWellbeingPhysical health is only one component of your overall health.Wellbeing is comprised of many elements – physical, emotional,financial, and spiritual, among others. To maintain your overallwellbeing, it is important to exercise all of these elements.Learn MoreBelongingCommunities of Williams (CoW) groups aim to create an affirminggathering space for all staff and faculty interested in sharingidentities, experiences and/or interests. CoW groups are also anopportunity to share and elevate the voices of historicallymarginalized individuals fostering a community of belonging for all.Learn MoreLearn MoreOther Popular BenefitsClick each topic to learn more.Retirement Income Plan andRetirement ResourcesEmployee DiscountsEmployee Tuition BenefitDependent Tuition GrantReduced Fees for WilliamsCourses

2025 Williams College Benefits Guide

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