covid19

MEDICAL

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

  • COVID-19 testing: related visits with in-network providers, whether at a doctor's office, urgent care clinic, emergency room or via telehealth are covered at 100% through the extended date of April 21, 2021 (this date may extend).  For 100% coverage, you must be referred by a doctor AND you must have symptoms of a COVID-19 infection OR have had recent exposure to someone with a suspected or confirmed COVID-19 infection OR before an elective hospital admission or procedure. If you are asked to be tested by Dartmouth's occupational health partner Axiom Medical, please follow the instructions provided by Axiom.  More information can be found at http://covid.dartmouth.edu/testing-health and at https://www.dartmouth.edu/hrs/covid/index.html#positive
  • Telehealth services: Telehealth services through Cigna's MD live relating to COVID-19 diagnosis' are covered at 100%. For more information on Telehealth services, please visit the Telehealth section of our Medical webpage.
  • Coronavirus treatment: Dartmouth College is waiving all out-of-pocket costs for all Coronavirus treatment until further notice. The plan will reimburse health care providers at Cigna's in-network rates as applicable.

Counseling: Cigna is providing a free resource to help manage high stress and anxiety levels during this difficult time. Counselors are available 24-hours a day to talk through your fears of covid19, and to help you find a provider or to help you find other options. Call Cigna's toll-free help line at 1-866-912-1687.
  • Additional Resources: For additional help and resources, please visit Dartmouth's Wellness page.  Click here to learn more.
  • Cigna has developed a COVID-19 resource center that is updated regularly.  Click here to learn more

 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: See how your Health Savings Account can help defray health care costs during the coronavirus pandemic.  Click here to learn how.

PRESCRIPTIONS

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

  • Express Scripts will deliver a 3-month supply with no cost for delivery. Pharmacists are available 24/7. Click here to learn more
  • Express Scripts is allowing a 1x "Refill Too Soon" override in certain states in the US, to any customer who calls in and claims they have been impacted by COVID-19 and has suffered lost or damaged medication(s).
    • This is in effect from 3/17/20 with no current end date.
    • The states impacted include all counties in Colorado, Maine, New Hampshire, Washington, and Vermont*
*States listed as of 3/19/20

FLEXIBLE SPENDING ACCOUNTS

  • Health Care Flexible Spending Accounts (HCFSA) - The CARES Act inclusion of certain over-the-counter medical products as qualified expenses, will allow 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.
    • For more information, please visit the WageWorks website at http://www.wageworks.com or call them at 877-924-3967
  • Dependent Care Flexible Spending Accounts (DCFSA) - 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. 
  • Making Changes - The following notice applies to those employees who are making contributions in a HCFSA or DCFSA in calendar year 2020:
    • On May 12, 2020, the IRS released Notification 2020-29, in response to the COVID-19 pandemic. This notice allows increased flexibility under cafeteria 125 plans, with regard to making prospective (forward) mid-year changes to certain pre-tax deductions, that are typically only allowed within 30 days of a qualifying life event (QLE).  If you need to make a change to your contribution amount, please reach out to the benefits office within 10 days of your final paycheck of 2020.

 

RETIREMENT PLANS

The CARES Act allows for certain temporary changes to retirement plans due to COVID-19. Below is a summary of those changes. Please note that the withdrawal and loan changes apply to Supplemental Retirement Accounts (SRAs) only, while the change to Required Minimum Distributions (RMDs) applies to all plans.

  1. Special hardship withdrawal: Waives the 10% early withdrawal penalty for distributions up to $100,000 from the SRA by certain individuals impacted by the coronavirus on or after January 1, 2020 and before December 31, 2020.

  2. Increased loan flexibility: The maximum loan limit you can take from the SRA is increasing from 50% to 100% of your vested account balance up to $100,000 (TIAA loans still require collateral) for loans requested by September 23, 2020. In addition, qualified individuals may request to delay loan repayments that would otherwise be due between March 27, 2020 and December 31, 2020 for up to one year.

  3. Suspension of Required Minimum Distributions (RMDs): If you are required to take an RMD in 2020 and are interested in waiving the distribution, contact your investment provider (contact information provided at the end of this notice).

To be eligible for special hardship withdrawals or increased loan flexibility as described above, employees must meet one of the following conditions:

  • You, your spouse, or other dependent is diagnosed with COVID-19 or SARS-Co-V-2 using a test approved by the Centers for Disease Control and Prevention.
  • Due to coronavirus, you experience adverse financial consequences as a result of being quarantined, furloughed, laid off, or having work hours reduced, or being unable to work due to lack of child care.
  • You experience a financial loss to an individually owned or operated business that is caused by a closing or reduction of hours due to coronavirus.
  • Other factors as determined by the Secretary of the Treasury or his delegate.

For more detailed information, click here.


If you meet the above eligibility requirements and would like to speak to a Fidelity or TIAA representative to learn more or request a loan or distribution, please contact the provider directly.

Fidelity: www.netbenefits.com/dartmouth or 800-343-0860

TIAA: www.tiaa.org/dartmouth or 800-842-2252

The Benefits Office is also available to answer your questions at human.resources.benefits@dartmouth.edu or 603-646-3588.

 

 

 Last updated 4/7/2020