Frequently Asked Questions

General Questions

What are are CoWs Core Benefits?

Medical: Anthem

Dental: Anthem

Vision: Anthem

Prescription: Express Script

Telehealth: Anthem/ Life Health Online

Health Saving Account: PNC Bank

Flexible Spending Account: Anthem

Life and AD&D, Voluntary Life: Lincoln Financial Group

Long-term Disability: Lincoln Financial Group

Voluntary Accident Insurance: Cigna

Employee Assistance Program: Chrysalis Family, BHS, and Lincoln Financial Group

Who is eligible for benefit?

Employees that work 1,000 or more hours annually are eligible for various benefits. Any questions about eligibility should be directed to the Office of Human Resources.

Want to make changes to you benefits?

Special Enrollment Rights
Open Enrollment occurs once each year. You may change your benefit elections during the open enrollment period. Once you have made your selection, you may not change benefit elections until the next open enrollment unless you have a qualifying event in employment or family status.

What qualify as events to change my benefits?

– Marriage, divorce or legal separation (state specific)
– Dependent child through birth, adoption or court-ordered custody
– Death of a spouse or child
– Your work schedule changes (i.e. reduction or increase in hours which affects eligibility) – You change your permanent address outside of your plan’s service area
– Your dependent loses or gains eligibility for coverage
– You or your dependent become eligible for Medicare
– You and/or your spouse and dependents become eligible for COBRA
– You and/or your spouse and dependents gain or lose Medicaid coverage
– You received a Qualified Medical Child Support Order(QMCSO)

If you experience one of these qualifying events, you have 30 days from the date of the event to notify the Human Resources Department and make any desired benefit changes. Otherwise, elections you make during open enrollment will remain in effect for the entire plan year. Also, if you or your eligible dependents are covered under Medicaid or a State Children’s Health Insurance Program (CHIP) and that coverage ends, you may be able to enroll yourself and any affected dependent in this plan’s medical coverage. You must request enrollment within 60 days after the Medicaid or CHIP coverage ends. If you or your eligible dependent becomes eligible, under Medicaid or a State CHIP plan for financial assistance to pay for health coverage under this plan, you may be able to enroll yourself and any affected dependent in this plan. You must request enrollment within 60 days after the date a government agency determines that you are eligible for that financial assistance.

Which benefits have waiting periods?

Health, Vision, and Dental
• Coverage begins day 1. No waiting period.

• Hourly Staff – 6 months
• Salaried Staff – Day 1

Long Term Disability
• 1 Year

Retirement Contributions and Matching
• Staff – 1 Year
• Faculty – 2 Years

Tuition Benefits
• 3 Years

If you have previous higher education experience, and participated in their benefits, you may be eligible for service credit to waive some or all of these waiting periods. If you may qualify, send the Verification of Previous Benefits to your previous employer’s HR department to have them fill and return to

Who are my 2022 Benefits Providers?

• Health
• Vison
• Dental

• Express Scripts


Lincoln Financial Group
• Basic Life and Accidental Death & Dismemberment
• Voluntary Life
Short Term Disability
• Long Term Disability

Voluntary Accident

What is a Qualified Life Event (QLE)?

Qualified Life Events give employees the opportunity to change existing health insurance plans outside of the Open Enrollment Period.

QLEs generally include, but not limited to:
• Marriage
• Divorce
• Birth or Adoption
• Death of insured individual in the family
• Losing health insurance coverage due to job loss
• Turning 26 and losing coverage from parent’s health insurance plan
• Moving to a different zip code or country that changes your health plan area

If you have experienced any of the above, or believe that you have, reach out to the Benefits Team at so we can assess your options.

1095 Questions

What is the Form 1095?

Form 1095 is a federal tax form. There are 3 types of these forms:

– The Form 1095-A shows that you received health coverage through the health insurance marketplace.

– The Form 1095-B shows that you received minimum essential coverage provided by an insurer or other

– The Form 1095-C shows whether your employer offered health coverage in 2020, and whether that offer
of coverage met minimum value standards and was affordable. The Form 1095-C might also show whether
you were covered by minimum essential coverage offered by your employer.

If you have questions about how your Form 1095 relates to your tax return, please consult your tax professional.

For more information, visit these IRS websites:



When will I receive a Form 1095?

If you received health coverage through the marketplace, you’ll receive a Form 1095-A by early
February for last year.

If you are entitled to a Form 1095-B, you’ll receive it by early March. Alternatively, the insurer or
entity who provided your health coverage during 2020 may choose to make the Form 1095-B available
only upon request. If you want a copy of your Form 1095-B, contact the insurer or entity who provided your
health coverage.

If you were employed by an employer who employed 50 or more employees, you’ll receive a
Form 1095-C in early March.

Do I need the Form 1095 to file my federal taxes?

No. You do not need the Form 1095 to file your 2020 federal taxes. You should keep the document for your

Is the Individual Mandate still in effect regarding the Form 1095?

The Affordable Care Act’s requirement for individuals to maintain minimum essential coverage, or pay a tax
penalty, is no longer in effect.

However, some states impose a requirement for residents to maintain minimum essential coverage, or be subject
to a state tax penalty. States currently imposing an individual mandate are California, District of Columbia,
Massachusetts, New Jersey, Rhode Island and Vermont. If you live in one of these states, contact your state
tax department for information about your obligations. If you live in one of these states and are subject to the
requirement to maintain health coverage, the Form 1095 that you receive may be useful in proving that you had
health coverage.

My Form 1095 information is incorrect. Who do I contact?

If information on your Form 1095-A is incorrect, contact the marketplace from where you received coverage. Contact the insurance company if information on the Form 1095-B is incorrect. Contact your HR or benefits department if information on the 1095-C is incorrect.

Examples of information that could be incorrect are your name, address or Social Security Number