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Health & Welfare

The following are brief descriptions of the health and wellness plans offered by Smith College.

For additional information on these benefits please contact the health & wellness administrator, at (413) 585-2273.

Health Care Plan

Smith offers three health plan options through Harvard Pilgrim Health Plan. You may elect either a Point of Service Plan (POS) or an HMO or a Value HMO.

Health insurance premiums are deducted from your salary on a pretax basis. If your date of employment falls on the first day of a month, your eligibility begins on that day. Otherwise, your eligibility begins on the first of the month following your date of employment. There are no preexisting condition restrictions. In addition, the college provides a health expense subsidy (from $613 to $2,451 in 2016) for employees who carry double or family coverage and whose family income is less than $63,654.

Comparison Charts

Summary of Benefits

Contact Harvard Pilgrim

To learn about benefits, programs, and discounts offered through Harvard Pilgrim, or to find a physician, change your address, or change your Primary Care Physician (PCP), visit www.harvardpilgrim.org/smithcollege. You may also call Harvard Pilgrim at (888) 333-4742.

Find a Physician in Northampton

If you would like information regarding physicians in the Northampton area, please call the Cooley Dickinson Physician's Referral Service, at (413) 582-2200 or you can go to their website, at www.cooley-dickinson.org, to request a physician directory.

Health Plan Comparison Tool

You can use the Health Plan Comparison Tool to determine which health plan (POS, Value HMO, or HMO) may be the best option for you. This tool will estimate your total out of pocket costs (combined premiums and cost of care) for all three plans. The tool allows you to estimate your health needs for 2016 and uses average costs for different services along with Smith's actual premiums to arrive at the estimated total cost for each plan selected. Click below to download the tool to your computer.

Affordable Care Act Notice of Exchanges

The following document contains general information as well as information on how to complete the Marketplace application based on Smith College's health coverage:

Dental Plan

Smith offers dental insurance through Delta Dental. This plan covers 100 percent of preventive dental expenses, 80 percent of basic restorative and 50 percent of major restorative dental expenses. The maximum benefit is $1,500 per family member per calendar year.

Contact Delta Dental

To contact Delta Dental customer service center, call (800) 872-0500 or visit www.deltamass.com.

Life Insurance

The college provides you with Group Term Life insurance through Voya Employee Benefits. The coverage is equal to your annual salary rounded to the next highest $1,000. You have the option of purchasing additional coverage equal to one, two, three, four or fives times your annual salary. You may also purchase life insurance for your children and your spouse.

For a Supplemental or Dependent life insurance application, please contact Human Resources at (413) 585-2270.

Contact Voya Employee Benefits

To contact Voya Employee Benefits customer service center, call (800) 955-7736 or http://www.voya.com.

Long-Term Disability Insurance

The college provides you with basic long-term disability insurance through Voya. If a physician determines that you are physically or mentally incapable of doing your job and your claim is accepted by Voya, you would continue to collect 60 percent of your salary tax-free. If approved, income benefits become payable 180 days from your last day worked.

Contact Voya Employee Benefits

To contact Voya Employee Benefits customer service center, call (800) 955-7736 or http://www.voya.com.

Voya Employee Benefits Added Services

Voya Employee Services offers a travel assistance program and funeral planning services to Smith employees at no additional cost. More information on the programs can be found in the following brochures: