Click on the following items to learn more about your benefits options for 2020

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The Choice medical plan is a consumer-driven medical plan. Key features include:

  • Preventive care covered at 100 percent. (This is care you receive to detect or prevent conditions. It is provided when you do not have symptoms.)
  • Affordable premiums per pay period.
  • Medical and prescription expenses that combine to count toward your deductible.
  • The maximum amount you will pay out of your pocket for in-network services for the plan year is $3,200 if you have individual coverage and $6,4​00 if you have employee plus dependent coverage.
  • With coverage under the Choice plan, you can use a personal health savings account (HSA) through HSA Bank to save for health care expenses, if you are eligible.

Overview of Choice Plan and Premiums

Important Note:

Spouses with access to employer-sponsored group ​medical coverage are not eligible for coverage under the medical plan.

​ ​

Important Notes:

  • Prescription expenses count toward your Choice plan deductible and out-of-pocket maximum.
  • You pay negotiated prescription ​costs in full until your deductible is met.
  • Except for liquid Zantac and nicotine replacement, medications available over-the-counter, regardless of strength or formulation, are not covered by the prescription benefit.
  • The SEG Pharmacy provides certain preventive generics for the management of certain chronic conditions at no cost, regardless of whether you have met your deductible.
  • ​You must be enrolled in the Choice medical plan to use the onsite Pharmacy. You can pick up prescriptions at the corporate campus or have them delivered to you through interoffice mail.

2020​​ Prescription Benefits Ov​erview​​

To find more information about drug coverage, costs, drug lists and more, go to BlueCross' My Health Toolkit and click the Benefits tab.​​

Important Notes:

  • Vision is a separate election from the medical plan, and you can cover your spouse and/or dependents (to age 23), even if they are not covered under the Choice medical plan.
  • Vision expenses do not count toward your medical plan deductible or out-of-pocket maximu​m.

Vision benefits and premiums​

To find a vision provider in the EyeMed network:

  1. Got to
  2. Select the "Access" network
  3. OR call 866-9EYEMED (866-9393633)

If you elect coverage under the Choice plan, you can establish a health savings account (HSA) and make pre-tax contributions through payroll deduction to help with​​ eligible medical expenses. You cannot have both an HSA and FSA.

Important Notes:

  • If you already have an account, during online enrollment you will need to certify that you are still eligible to contribute.
  • If you are enrolled in Medicare, Medicaid, TRICARE, or have received VA benefits in the past three months, you are not eligible to contribute to an HSA.
  • The company provides seed money of $400/individual and $800/family, which will be deposited into existing HSA Bank accounts by Jan. 1, 2020.
  • If you don’t already have an HSA, you must go online during open enrollment to authorize an account to be established in your name at HSA Bank.
  • To make pre-tax payroll contributions to your HSA beginning with the first pay period in 2020, go online during open enrollment to establish the amount you want deducted from your pay.
  • Learn more about eligibility and eligible expenses: IRS Publications 502 and 969

The many advantages of an HSA include:

  • Pay health care claims online through BlueCross' My Health Toolkit.
  • Ability to stop or change the amount of your payroll contribution throughout the year using PeopleSoft Voluntary Deductions.
  • Your account funds roll over from year to year.
  • The account is portable ​​and goes with you if you leave the company.
  • You may choose to grow your account or save for retirement by investing all or a portion of your funds. See Investment Options below.

Understanding the differences between HSAs and FSAs

HSA Fees & Interest Schedule

How to use an HSA

​HSA Investment Options

All employees are eligible for a health care FSA. It is particularly a good option for those who waive company medical coverage or who are ineligible to contribute to an HSA. You cannot have both a health care FSA and an HSA.

Important Notes:

  • To contribute to a health care FSA, during online benefits open enrollment elect the amount of your pay you want set aside, before taxes, to use toward eligible medical expenses.
  • At the beginning of the year, your account will be funded with the full amount you’ve chosen to contribute. Throughout the year you will pay your account back with the pre-tax contributions from your pay.
  • Balances up to $500 carry over at the end of a calendar year.

Understanding the d​ifferences between HSAs and FSAs

Helpful Resources from WageWorks®​ FSA

See how much you could save using a health care FSA.

Find helpful tips, guides, video tutorials and frequently asked questions.​

Regardless of medical plan coverage, all employees are eligible for a dependent care FSA to help with the cost of care for eligible children or aging parents.

Important Notes:

  • To contribute to a dependent care FSA, during online benefits open enrollment elect the amount of your pay you want set aside, before taxes, to use toward eligible expenses.
  • Minimum contribution amount per year is $50 and maximum is $5,000.
  • Your account will be funded through pre-tax payroll deductions. F​unds are available as contributions are taken from your pay.
  • Eligible expenses include babysitting; before- and after-school programs; day care/nursery/preschool; elder care; transportation provided by day care or elder care provider.
  • Claims incurred during the Plan Year (Jan. 1 - Dec. 31) must be submitted to WageWorks for reimbursement no later than March 31 after the close of the Plan Year for which the expense was incurred.

Helpful Resources from WageWorks® FSA

See how much you could save using an FSA.

Find helpful tips, guides, video tutorials and frequently asked questions​.

Important Notes:

  • The company offers a dental plan that covers four levels of care with a $1,500 annual limit.
  • Dental expenses do not count toward your medical plan deductible or out-of-pocket maximum.
  • Using an in-network dentist means lower out-of-pocket expenses​ for you, and you won't be balance-billed for charges above the allowable amounts.

Overview of dental plan and premiums

To find a dental provider in the BlueCross BlueShield network:

  • Log in at
  • Select the "Resources" tab.
  • Click "Find a Doctor or Hospital".
  • Click the "Dental Directory" link.​​
  • See all options and rates​

    Life Insurance Beneficiary Form​

    If you need help determining your coverage nee​ds call the Ernst & Young financial planner line at 866-724-1946.


    Two BlueCross representatives are on site at SEG during normal business hours to help you with your benefits needs.

    Topic Resource Phone Website
    Health, Wealth & Career Questions Employee Resource Center 803-217-4444 The Edge
    24-Hour Customer Service BlueCross BlueShield of South Carolina Customer Service 877-705-5428
    My Health Toolkit
    Prescription costs, drug lists In-house Pharmacy 803-217-9173
    The Edge
    Mail-order prescriptions Optum Rx Home Delivery 855-811-2218
    Specialty Drugs Briova Rx Specialty Pharmacy 877-259-9428
    Health Savings Account HSA Bank 800-357-6246
    Flexible Spending Account WageWorks 877-924-3967
    Employee Assistance Program First Sun EAP 800-968-8143
    Disability and FMLA MetLife 877-638-8262 Disability
    Financial planning for spending/savings accounts and benefits coverage Ernst & Young 866-724-1946

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