Group Insurance Plan

Group Insurance Plan: Introduction

This is a summary description of the benefits that make up the Williams College Group Insurance Plan (the “Plan”). This, together with the policies, certificates, and other materials from insurers, HMOs or other providers that are provided as separate documents, constitute the Summary Plan Description, as required by a federal… Continue reading »

Group Insurance Plan Administration

Plan Sponsor, Plan Administrator and Agent for Service of Legal Process Williams College, P.O. Box 458, Williamstown, MA, 01267, is the sponsor of the Williams College Group Insurance Plan, and the Vice President for Finance & Operations and Treasurer at Williams College is the Plan Administrator. The Vice President for… Continue reading »

Pre-Tax Premium Payment Plan

A participant in the Pre-Tax Premium Payment Plan has his or her compensation reduced by an amount equal to his or her share of the cost of the health and/or dental plan. This means that a participant pays this cost with pre-tax dollars. The College then pays this amount to… Continue reading »

Certificates of Creditable Coverage

In compliance with federal law (the Health Insurance Portability and Accountability Act of 1996, or HIPAA), participants in group health plans, such as the medical plan options, are entitled to receive a Certificate of Creditable Coverage. This certificate is provided to participants automatically when coverage under group health plans ends. Continue reading »

Statement of ERISA Rights

This section on ERISA rights does not apply to the Pre-Tax Premium Payment Plan and the Dependent Care Reimbursement Account (DCRA). As a participant in the Williams College Group Insurance Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA… Continue reading »

HIPAA Privacy Policy

NOTICE OF PRIVACY PRACTICES FOR THE USE AND DISCLOSURE OF HEALTH INFORMATION This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully. Effective April 14, 2003 The Williams College Group Insurance Plan (the Plan)… Continue reading »

Benefits Claims Procedures

The procedures governing claims for benefits under the Plan, including procedures for notification of benefit claim determinations by the Plan and procedures governing the Plan’s review of denied claims, are furnished automatically, without charge, in documents separate from this summary. Different benefits provided by the Plan may have different claims… Continue reading »

Dependent Care Reimbursement Account Qualifying Expenses

Qualifying Dependent Care Expenses for Dependent Care Flexible Spending Under this plan, you will be reimbursed only for dependent care expenses meeting the following conditions: The services provided are rendered after the date of your election and during the calendar year in which you are enrolled. Claims are submitted after… Continue reading »

Healthcare Flexible Spending Account Qualifying Expenses

Qualifying Medical and Dental Expenses for Healthcare Flexible Spending Qualifying medical and dental expenses that can be reimbursed under this plan are those expenses that the IRS considers tax-deductible that are not covered by any insurance plan. “IRS Publication 502, Medical and Dental Expenses” provides detailed information about eligible expenses. Continue reading »