USG Healthcare Plan
To understand how USG's Healthcare plans support you and your family during COVID-19, review the benefits and resources below for more information.
COVID-19 screening and diagnostic testing is covered at 100% for employees enrolled in any USG healthcare plan. Testing must be completed by a licensed facility and/or provider. Testing and screening include FDA-approved COVID-19 diagnosis tests (Rapid and PCR), as well as anti-body testing.
COVID-19 testing is widely available. Visit the Georgia Department of Health website to locate a testing site near you. Otherwise, you may reach out to your healthcare plan provider.
- If you are enrolled in an Anthem plan, contact your Accolade Health Assistant at 866-204-9818 (Monday – Friday 8 AM to 11 PM ET) or visit member.accolade.com, for help finding a testing location.
- If you are enrolled in Kaiser, contact Kaiser Permanente at 1-855-550-0951 for more information or visit the Kaiser coronavirus webpage.
Note: If you are not covered under a USG healthcare plan, testing information is available through the Georgia Department of Public Health.
Covered employees diagnosed with COVID-19 are responsible for the applicable copayments, coinsurance, and deductibles related to their medical care and treatment of COVID-19, including hospitalizations. Contact Accolade at 866-204-9818 (Monday – Friday 8 AM to 11 PM ET) or visit member.accolade.com to send a secure message, for more information.
As of August 1, 2021, covered employees diagnosed with COVID-19 are responsible for the applicable costshare related to their medical care and treatment of COVID-19, including hospitalizations. Contact Kaiser Permanente at 1-855-550-0951 for more information or visit the Kaiser coronavirus webpage.
COVID – 19 Vaccinations
COVID-19 vaccine supply and distribution information is available on the Georgia Department of Public Health (DPH) website. The COVID-19 vaccine is covered at 100% through the USG Healthcare plan.
Additional information about vaccine eligibility and location is available through the following resources:
Department of Public Health (DPH)
Locate a vaccination site near you on the DPH website and search by your county name.
If you have questions about your benefits coverage, COVID-19 testing and/or the DPH vaccine locator, speak with your dedicated Accolade Health Assistant who can help! Call 866-204-9818 (Monday – Friday 8 AM to 11 PM ET) or visit member.accolade.com to send a secure message.
Kaiser Permanente Members
Log into your Kaiser Permanente account to determine if you are eligible for the COVID-19 vaccine. Non-Kaiser members are also eligible for COVID-19 vaccine. To check availability or schedule an appointment call 1-855-550-0951.
Note: Non-Kaiser members may be eligible to receive their vaccine through Kaiser Permanente when vaccines are available.
Both Anthem and Kaiser Permanente offer telehealth visits. When you have nonemergency healthcare concerns, telehealth can be a good option.
At this time, telehealth visits, including those unrelated to COVID-19, are covered at 100% with no out of pocket costs for all USG healthcare plans. We will provide an update should anything change.
Kaiser HMO Members
Call 404-365-0966 or access kp.org
Help Coping during the COVID-19 Pandemic
During this time, it is important to take care of yourself. If you are feeling sad, stressed or overwhelmed, we have support resources to help you and your covered family members.
Employee Assistance Program (EAP) is available to all employees who work 20 or more hours. For tips and resources to help you cope with any feelings or financial challenges you may be experiencing, call 844-243-4440 or visit usg.mylifeexpert.com. KEPRO is available 24/7/365 to offer telephonic support. You and your family are eligible to receive up to 4 counseling sessions per issue per calendar year.
Accolade is available for Anthem members to help you search for in-network mental health providers including Psychologists, Psychiatrists, Professional Counselors and Licensed Clinical Social Workers. Call 866-204-9818 (Monday – Friday 8 a.m. to 11 p.m. ET) or visit member.accolade.com to send a secure message.
Anthem members have access to LiveHealth Online Psychology and LiveHealth Online Psychiatry where you can have a video call with a therapist from any location that is convenient for you. Best of all, these visits are currently being covered at 100% (including the Consumer Choice HSA).
- Visit: LiveHealth Online Psychology and LiveHealth Online Psychiatry
- Phone: 1-844-784-8409 from 7 a.m. to 11 p.m. ET to schedule an appointment.
Kaiser members have many tools and resources to help. Visit healthy.kaiserpermanente for a list of free resources and tools like MyStrength and Calm.
Generally, COVID-19 does not impact your Life or Disability coverage. To understand how USG's Life Insurance and Disability coverages will work, review the information below:
Life Insurance and Accidental Death and Dismemberment (AD&D)
For our group Basic, Supplemental, Spouse, and Child life coverage(s), there are no policy limitations that would reduce or limit a claim payment resulting from COVID-19, provided the individual met all other certificate requirements. AD&D policies do not cover diseases. Therefore, death due to COVID-19 or any other disease is excluded from payment under the AD&D policies.
There are no policy limitations that would apply due to COVID-19. MetLife will use the same claim processes to evaluate a claim as it does for any other disability or Family Medical Leave claim for all other sickness or injury. Each claim will be reviewed consistent with policy terms and applicable law.
Keep in mind, disability benefits are based on the employee’s inability to perform their work due to symptoms stemming from illness or injury. Therefore, if you are absent due to physician-directed quarantine or waiting on test results, but you are still able to complete work remotely, these reasons are unlikely to be eligible for disability benefits unless you also have a qualifying medical condition.
FSA Spending Accounts
Based on newly released guidelines under the Consolidated Appropriations Act, there are several important changes you can make to your Flexible Spending Accounts.
Extended Grace Period for 2020 Contributions (HCFSA, DCFSA/LPFSA)
- Employees have until December 15, 2021 to incur a claim for your 2020 FSA balance.
- Employees have until December 31, 2021to file for reimbursement using your 2020 balance.
Allow Mid-Year changes to Flexible Spending Account Contributions (HCFSA/DCFSA/LPFSA)
- All changes are prospective and do not require a Qualifying Life Event (QLE).
- Employees can start or stop contributing to an FSA.
- Employees can increase or decrease the annual contribution to their FSA.
- Employees cannot drop or decrease contributions to their Healthcare FSA or Limited Purpose FSA below the amount that they have already been reimbursed for.
No refunds of contributions (IRS rules).
Extend Coverage for Dependents who Age Out (Dependent Care FSA)
Employees with dependent(s) who turned 13 in 2020 can continue to use 2020 contributions and file for reimbursement up to the day before their dependent turns 14 (in 2021). For example, a dependent who turned 13 as of 3/27/2020 can use your 2020 DCFSA funds through 3/26/2021. File for reimbursement through 12/31/2021.
Limited Purpose FSA Balance
Employees with a limited purpose FSA balance as of December 31, 2020, will be eligible to contribute to a Health Savings Account beginning January 1, 2021.
Changes to eligible Healthcare and HSA expenses, made under the CARES Act, will continue with no expiration:
- Certain over-the-counter (OTC) medications covered without a prescription
- Menstrual care products added to eligible expenses
- List of eligible expenses available at [mycdh.optum.com](https://mycdh.optum.com/)
USG Retirement Plans
On March 27, 2020, the U.S. Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The CARES Act allows employers to make changes to their defined contribution plans to allow greater access to retirement funds through the following options
- Distributions up to $100,000 for coronavirus-related qualifying reasons,
- Increase in loan amounts and suspension of loan payments for coronavirus-related reasons,
- Waiver of Required Minimum Distributions (RMDs) in 2020 (certain exceptions apply).
The University System of Georgia has added these provisions to the USG 403(b) and 457(b) voluntary savings plans. Self-certification of the Coronavirus qualifying reason is required to receive a distribution or loan. If you have questions, please reach out to your retirement vendor directly using the number below.
Financial/Market Volatility Concerns
USG has partnered with CAPTRUST to provide Retirement and Financial Advisory Services to USG employees. CAPTRUST offers a no-cost advice line for all benefited employees and representatives are available to answer employees' questions and concerns about the market.
To schedule an appointment, call 1-800-967-9948 or on-line at www.captrustadvice.com Representatives are available Monday – Thursday 8:30am – 5:30pm and Friday, 8:30am - 4 pm (EST).