Health Insurance
• The Commonwealth of Virginia offers three statewide plans for employees to choose. Each plan
provides medical, dental, prescription drug, behavioral services and wellness and preventive
services
o COVA Care—Administered by Anthem and provides this Preferred Provider Organization (PPO) plan
where you will pay a copay for covered services
o COVA HealthAware—Administered by Aetna; this is a consumer-driven health plan and provides a
Health Reimbursement Arrangement to assist in meeting the deductible
o COVA Care HDHP (High Deductible Health Plan)—Administered by Anthem and provides coverage after a
deductible is met for services other than the plans’ wellness and preventive services
• Employees may choose one of three membership levels: Employee Only, Employee plus One, or
Family
• The premium rate depends upon the type of health plan coverage, the level of membership
selected, and is deducted pre-tax each pay period. The state pays approximately 80% of the total
premium cost for each full-time employee. Employee pay monthly premiums ranging from $0 to $490 depending on the plan
• Optional additional coverages are available for expanded dental, vision and out of network
coverages
• Health insurance elections must be made within 30 days of employment; during annual open
enrollment or a qualifying mid-year event
• Health benefits are effective the first of the month following the hire date
You can make changes to your health care by completing an enrollment form and submitting it to Benefits along with any required documentation. Please click on the link to access the
Health Insurance Enrollment Form: State Health Benefits Program Active Employee Eligibility and Enrollment Form
FLEXIBLE SPENDING ACCOUNTS (FSA):
Employees who are eligible for the health benefits program can also participate in two Flexible
Spending Accounts.
• Health Flexible Spending Account:
This account assists with out-of-pocket medical, dental and vision care expenses for the employee
and eligible dependents. This includes a MasterCard, which can be used to access FSA funds
directly from the account
• Dependent Care Reimbursement Account:
This account assists with expenses incurred for the care of your child, disabled spouse, elderly
parent, or other dependent that is physically or mentally incapable of self-care so that you (and your spouse) can work or actively look for work
To learn more about your health benefits please click on the following link: https://www.dhrm.virginia.gov/employeebenefits/health-benefits