Health Services and Insurance

WLBC has arranged for health benefits through Blue Cross Blue Shield of South Carolina.  These plans are described in the Group Insurance Booklet, which you will receive at the end of your probation period. The College currently pays premiums for all full-time employees. The cost of dependent health coverage is paid entirely by the employee with premiums determined by the insurance carrier.

Eligibility of Insurance Coverage

When you are hired as a full-time employee, unless you decline coverage, you will automatically become eligible 90 days to the first of the following month.

Termination of Health Coverage

Your insurance will terminate if you fail to meet the requirements for coverage under the plan as they are indicated in the plan descriptions, or if the plan is discontinued. 

Plan Termination

The College has the right at any time to terminate the plan. Once the plan is terminated, a participant has the right to recover any claims accrued up to the date of the termination.  No claim arising after termination will be honored. 

Any funds remaining after plan termination will revert to the College.

Appeal Procedure

If a claim is denied, you or your authorized representative should receive a written notice stating the basis for the denial within 90 days  You will then be entitled, upon written request to a review of that decision.  If you are not notified within 90 days, this may be considered a claim denial, and you will be entitled to a review as described above.  Any request for a review should be submitted to the HR Coordinator who will forward it to the insurance carrier.