COVID-19 Benefit Updates

Medical Benefit Updates

Interim changes to medical coverage for employees enrolled in a Dartmouth medical plan.

COVID-Related Treatment

Dartmouth College is waiving all out-of-pocket costs for Coronavirus treatment through June 30, 2022. The plan will reimburse both in- and out-of-network health care providers at 100%.

Wellness

Access https://www.dartmouth.edu/wellness/news_events/workshops_webinars.php through an on-demand library and live sessions offered on campus. Review the Wellness Office’s COVID-19 Coping Resources for more information.

Pharmacy Benefits

Free COVID Test Kits

On January 15, 2022, the Biden-Harris administration began requiring group health plans to cover the cost of 8 free at-home over the counter (OTC) COVID-19 tests1 per covered individual per month. The tests will be covered by the prescription plan through Express Scripts. Please note that these home tests will not be covered by Cigna.

For example, a family of four, all on the same plan, would be able to get up to 32 of these tests covered by their health plan each month.  Claims will be capped at $12 per test.

Express Scripts has provided three simple options for getting your test kits:

  1. In Network Pharmacy
    1. Take your Express Scripts ID card to a retail pharmacy in the Express Scripts network
    2. Bring an at-home COVID-19 test to the pharmacy counter, not the regular checkout lane.
    3. Check out at the pharmacy counter and show your Express Scripts ID card.  Your at-home COVID-19 tests should automatically ring up at no cost.
  2. Express Scripts Mail-order pharmacy:
    1. Log-in (or register) to your Express Scripts account through https://express-scripts.com/#/login
    2. Click on Order At-home COVID-19 Tests
    3. Click on Acknowledge and Continue
    4. Click Add to Cart
    5. Confirm your Order
    6. To maximize your order, you may need to register individual family members separately
    7. Please allow up to 4 weeks for delivery
  3. Claim Reimbursement:
    1. Pay for your test out of pocket at a participating pharmacy and ask for a receipt.
    2. Log-in at https://express-scripts.com/#/login to find a participating pharmacy.
    3. Print the claim reimbursement form.
    4. Submit a claim for reimbursement using your pharmacy receipt.
    5. Please allow up to 4 weeks for reimbursement.

Flexible Spending Accounts (FSA)

Health Care FSA (HCFSA)

OTC Medications: 
The CARES Act inclusion of certain over-the-counter medical products as qualified expenses, now allows patients to use funds in Health Care Flexible Spending Accounts (HCFSA's) for the purchase of over-the-counter (OTC) medical products, including those needed in quarantine and social distancing, without a prescription from a physician.

  • Expands qualified medical expenses for Health Care Flexible Spending Accounts, to include certain menstrual care products, such as tampons and pads.

Full "Carryover" from 2021 to 2022:

This provision allows an additional year to spend down all unused 2021 Health Care Flexible Spending Account (HCFSA) balances.  This means that all 2021 HCFSA balances that were greater than $30 on December 31, 2021, can now be used to pay for 2022 incurred expenses.  You will now have until December 31, 2022 to spend your remaining HCFSA 2021 balance. Your Sentinel 2021 HCFSA balance will reflect the full 2020 HCFSA carryover amount.

The deadline for submitting 2021 incurred HCFSA expenses has not changed.  Expenses incurred in calendar year 2021 must still be submitted no later than March 31, 2022.  Do not use the Benny debit card to pay for 2021 incurred claims after December 31, 2021. It is recommended that 2021 incurred expenses are reimbursed through online, phone app or paper form.  All 2022 incurred HCFSA expenses will need to be submitted to Sentinel by March 31, 2023.

Dependent Care FSA (DCFSA)

Facilities Closing/Reopening:

The closing and/or changing of child care providers is considered a qualified life event for stopping or changing the amount of your annual DCFSA Contribution. 

  • If your day care provider is required to close or is later allowed to reopen, please reach out to the Benefits Office to discuss options for reducing, stopping or starting contributions.
  • human.resources.benefits@dartmouth.edu or call at 603-646-3588.

Grace Period Extension for DCFSA Expenses:

This provision allows an extension on the grace period for all 2021 Dependent Care Flexible Spending Account (DCFSA) balances. This means that all unused 2021 DCFSA funds can now be used on services incurred in calendar year 2022.  You will have until December 31, 2022 to spend your remaining 2021 DCFSA balance.  

The deadline for submitting 2021 incurred DCFSA expenses changed. All 2021 and 2022 DCFSA incurred expenses will need to be submitted to Sentinel by March 31, 2023.  Sentinel will use funds from your 2021 DCFSA balance first.  If you have 2021 incurred expenses that you wish to apply toward your remaining 2020 balance, it is recommended that you submit those prior to submitting 2022 incurred expenses.   Do not use the Benny debit card to pay for 2021 incurred DCFSA claims after December 31, 2021.  It is recommended that 2021 incurred expenses are reimbursed through online, phone app or paper form after that time.

DCFSA Filing Notice: When filing a claim online or via the Sentinel mobile app for services from 2021 or 2022, please be sure to select the 2021 plan year when choosing your “Pay From” option.  This will allow the claim to draw from the 2021 DCFSA balance.

Health Savings Accounts (HSA)

OTC Medications

The CARES Act inclusion of certain over-the-counter medical products as qualified expenses, will allow patients to use funds in Health Savings Accounts (HSA's) for the purchase of over-the-counter (OTC) medical products, including those needed in quarantine and social distancing, without a prescription from a physician.

  • Expands qualified medical expenses for Health Savings Accounts, to include certain menstrual care products, such as tampons and pads.

Other Medications

See how your Health Savings Account can help defray health care costs during the coronavirus pandemic.

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