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A Culture of Care

Read Smith’s UPDATED plans as of November 23, 2020,
for the spring 2021 semester.

Open Enrollment 2021

Open Enrollment Period for 2021 Benefits

This year’s Open Enrollment period will run from Monday, November 2, through Monday, November 30, at the end of the business day. “Open Enrollment” refers to the official, annual period when employees can make changes to their benefit plans for the following plan year. All Open Enrollment changes must be made through Workday.


General Plan Information

If Newly Electing or Making Changes to Health, Dental or Vision

This is your annual chance to enroll in health, dental or vision plans, add or drop a dependent, switch plans or drop a plan. All changes need to be submitted through Workday by November 30, by the end of the business day. For any questions, please contact Human Resources at

Deduction Tier Structure

Who you enroll in each plan will determine your deduction tier for health, dental and vision coverages:

  • Employee
  • Employee plus Spouse
  • Employee plus Child(ren)
  • Family—Employee, Spouse, plus Child(ren)

Please note the deduction differences between tiers and what defines them. If you see any inconsistencies between your tier and your listed dependent(s), please contact HR.

Tools to Help You Choose

Learn More About Open Enrollment

Smith College Open Enrollment for 2021 is here from November 2–30, 2020. Throughout the month, be sure to visit the Virtual Benefits Fair page to learn about information sessions, vendor resources and more.


HMO Plan

The HMO plan covers in-network services only. There is no annual deductible.

Referrals from your PCP are required for services such as hospital services and surgery as well as office visits to specialists.

To find a PCP/provider, please visit the Blue Cross Blue Shield website.

You can find more information about this plan in the Schedule of Benefits.

Plan Documents

Find a Doctor

Use the zip code of your provider(s), then enter the code MTN to continue.

Value HMO Plan

The Value HMO plan covers in-network services only. There is an annual deductible of $500 per person and $1,000 per double/family on diagnostic services (tests) and procedures.

Hospital services and surgery, outpatient co-pay, inpatient co-pay, physical/occupational therapy, and mental health/substance abuse inpatient care are subject to the deductible, but are covered in full after the deductible is met.

Referrals from your PCP are required for services such as hospital services and surgery as well as office visits to specialists.

To find a PCP/provider, please visit the BCBS website.

You can find more information about this plan in the Schedule of Benefits.

NOTICE: Each of our plans cover out-of-network medical emergencies. If you are hospitalized, you, or someone on your behalf (family, attending physician, etc.), must call your PCP within 48 hours. If covered under the Value HMO and HMO plans, any follow-up care must be done in-network in order to receive coverage.


Plan Documents

Find a Doctor

Use the zip code of your provider(s), then enter the code MTN to continue.

Point of Service (POS) Plan

The POS plan offers both in-network and out-of-network services. You do not need a referral from your PCP in order to receive out-of-network services. Anything out-of-network typically results in higher out-of-pocket costs.

There is no in-network annual deductible. However, the out-of-network annual deductible is $400 per person and $800 per double/family. After the deductible is met, you pay 20% for out-of-network services.

You can find more information about this plan in the Schedule of Benefits.

NOTICE: Some co-pays have changed for 2021. Please review the plan documents for more information.

Plan Documents

Find a Doctor

Use the zip code of your provider(s), then enter the code MTN to continue.

High Deducticle Health Plan with Health Savings Account

The HDHP with HSA offers both in-network and out-of-network services. Out-of-network services have a higher out-of-pocket cost than in-network.

The annual deductible is $1,500 per person and $3,000 per double/family for in-network care. For out-of-network, the deductible is $3,000 and $6,000 respectively. Prior approval is required for certain out-of-network benefits.

After the deductible is met, the plan will begin to pay toward your claims, and you will pay coinsurance (a percentage) on certain services.

The annual out-of-pocket maximum is $3,000 per person and $6,000 per double/family for in-network care. For out-of-network, the out-of-pocket maximum is $6,000 and $12,000, respectively. Once the out-of-pocket maximum has been reached, no additional member cost sharing will be applied for the remainder of the calendar year.

NOTICE: If you have family coverage, the out-of-pocket maximum may be met by any combination of covered family members. The individual out-of-pocket maximum does not apply.

Plan Documents

Find a Doctor

Use the zip code of your provider(s), then enter the code MTN to continue.

HealthEquity - Health Savings Account

Smith College contributes $500 per person or $1,000 per double/family to a Health Savings Account (HSA) in your name. You can also make voluntary pre-tax contributions to the account. Unlike the FSA, any funds in the HSA will roll over into the next year.

HealthEquity will continue to be our HSA provider. If your HSA debit card has not expired, then you can continue using it as is with no interruption in service. For all new members or members with expired cards, you will receive a new one in the mail reflecting our change to BCBS.

NOTICE: Anyone enrolled in a HSA cannot enroll in a healthcare flexible spending account (FSA). This includes being claimed as a dependent on your spouse's FSA. However, you can elect the Dependent Care FSA.

Additional Information

The maximum contribution for 2021 is $3,600 per individual and $7,200 per double/family. For age 50+, you can contribute an additional $1,000. The maximum includes the Smith contribution to your HSA.

Prescription, Dental & Vision Benefits

OptumRx will continue providing our prescription services for 2021. Prescription coverage is still included in the health plan premiums. However, you will be receiving a separate prescription card from OptumRx in January. If you already have health coverage through Smith and are filling a prescription from your regular pharmacy, you will not experience any interruption in service.

OptumRx has made some formulary changes for 2021. Any impacted employees will be contacted directly by OptumRx.

Contact Information

Customer Service and Home Delivery: 1-888-374-8127
TTY: 711

Online Portal: OptumRx Member Website
Website Issues & Password Resets: 1-800-788-4863

Optum Specialty Pharmacy

Your prescription coverage also includes specialty prescription coverage through Optum Specialty Pharmacy, formerly known as BriovaRx.

In addition, members with new specialty prescriptions will also be contacted directly by PillarRx. PillarRx is a prescription service that helps members potentially lower their out-of-pocket costs on specialty prescriptions. Typically, PillarRx will reach out to an employee via the primary phone number listed in Workday.

Contact Information

Online Portal: Patient Sign-In
Optum Specialty Pharmacy General Questions: 1-855-427-4682

Delta Dental

Delta Dental will continue to be our dental insurance provider for 2021. There will be no changes to the current coverage.

High Plan

The “High Plan” has a maximum benefit of $2,000 per family member per calendar year, includes 50 percent coverage for orthodontics (up to a lifetime maximum of $1,500) and 50 percent coverage for major restorative work.

Value Plan

The “Value Plan” includes a $50 per individual/$100 per family deductible, which is waived for diagnostic and preventative categories. The calendar year maximum is $1,000 per person. New dentures, bridges, implants and crowns are NOT covered. See coverage summaries for details.

EyeMed will continue being our vision insurance provider for 2021. No changes have been made to the current plan.

Visit in-network providers for an annual exam (with dilation as necessary) at no cost, as well as allowances and discounts on eyewear. Download the EyeMed app to track claims, find a provider and save your vision prescription.

EyeMed Virtual Benefit Fair

Participate in the EyeMed Virtual Benefit Fair! This resource is specifically designed for Smith College employees, outlining our plan details, discounts, and an online provider directory.

The password to access the virtual fair is KP51EHJB

Contact Information

Customer Service: 1-866-804-0982
Online Portal: EyeMed Member Login

Additional Information

Smith College will continue offering the healthcare and Dependent Care Flexible Spending Accounts (FSAs) to employees for 2021 through Benefit Strategies.

The money you elect to set aside is taken from your paycheck before taxes in equal increments throughout the calendar year. IRS regulations state that any unused funds remaining in the accounts at year-end must be forfeited, and the changes or terminations of contributions during the plan year can only be made under specific conditions.

Healthcare FSA

This account allows you to set aside up to $2,750 per year on a pretax basis to pay for out-of-pocket health, dental or vision care costs.

Dependent Care FSA

To help with the high cost of day care, this account allows you to set aside up to $5,000—or $2,500 if you are married and filing separately—of your pretax earnings to pay for qualified dependent care expenses.

Contact Information

Benefit Strategies Customer Service Center: 888-401-FLEX (3539)
Online Portal: Benefits Strategies Login

Additional Information

New Directions EAP is available for all Smith employees and their family members. The EAP offers a wide variety of services and resources for mental health, legal and financial issues, and caregiving. This service remains free to Smith employees and all information is confidential.



New Directions EAP offers twelve sessions, per issue, per contract year (July 1 to June 30).* The EAP can help with a variety of issues including: anxiety, grief, communication problems, drinking or drug use, domestic violence, marital/family concerns, mood swings, depression, parenting, stress (at work or home, or financial), work issues, suicidal thoughts and more.


Call to be connected to a free, 30-minute consultation with an advice attorney for most legal matters. Should your matter be more complex, you will be referred to an attorney at a 25% discount.


Financial professionals are available to provide free telephonic consultation on most financial issues.


Specialists can provide in-depth consultation, resources and referrals on concerns such as childcare, eldercare, pet care, special needs programs and more.

*If you think you may need more than twelve sessions with a counselor and you have Blue Cross Blue Shield, you may want to ask New Directions if they can help you set up an appointment with a counselor who is also a Blue Cross provider. After you have used your twelve sessions through the EAP you can utilize your mental health benefit through Blue Cross and continue to see the same counselor.

Contact Information

By Phone: 800-828-6025
Identify yourself as a Smith College employee or dependent, and the staff will help you set up an appointment with a licensed counselor near your home or workplace.

Online Portal: New Directions EAP
Use the company code Smith College

Additional Information

Other Benefits

Smith College benefits don’t stop at health insurance. We offer a range of programs and resources to help you live your best life, all year round. Look at the benefits page to review more details on other benefits, including life insurance; tuition assistance; vacation, holidays and personal time; and discounts, such as auto and home insurance options. 


PrivacyArmor by InfoArmor has changed to Allstate Identity Protection.

As a voluntary benefit, Smith College will continue offering identity theft protection. This will be available to all benefits eligible employees and is completely voluntary. You can opt in and out of the plan at any time during the year.

The Family plan will cover any individuals in your household even if they are not a dependent on your insurance. For example, if you have a parent physically living in your household and is financially dependent on you, they are eligible for identity theft protection through your Allstate Identity Protection Family plan.

Smith College will continue offering Basic Life Insurance, Basic AD&D Insurance, and Long-Term Disability Insurance through Lincoln Financial Group. These benefits are provided by the college with no cost to employees.

The life insurance 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 five times your annual salary.

You have the option to opt into supplemental life insurance for yourself, a spouse, and/or a child(ren). Any increases to supplemental life insurance on yourself and/or a spouse require a completed Evidence of Insurability (EOI) form. This must be sent directly to Lincoln Financial Group.

Smith College retirees and spouses may elect coverage for supplemental plans offered by MountainOne Insurance through the Benistar Employee Services Trust Program. The Benistar plans include two supplement plans that allow you to see any Medicare participating provider nationally.

NOTE 2021 Medicare premiums have not been accounted for in the provided document. Costs may differ.

All employees are welcome to make voluntary contributions to the retirement plan. Contribution percentages may be changed at any time; participation is optional and there is no waiting period.

Employees may also start, change, or stop their voluntary contribution election through their Workday account.

You may schedule an appointment to meet with your local Voya Representative, Mary Ellen Gordon, by visiting