Insurance Benefits

Insurance Benefits

This section highlights the various insurance programs offered by Horry Georgetown Technical College. For more detailed information, visit:

► South Carolina Employee Insurance Program (EIP)


2012 Insurance Benefits Guide

or click here to view a detailedHGTC Benefits Summary

**Need Insurance Replacement Cards? Please click on the link to find the appropriate carrier's contact information.**

• Health Insurance Plans:

There are several health insurance plans, including Participating Provider Organizations (PPO) and Health Maintenance Organizations (HMO), available to MTC employees. Under a PPO, individuals may select any healthcare provider, including specialists, on the participating provider list. Under an HMO, medical care is coordinated through a primary care physician. Current PPO plans available include the State Health Plan (SHP) Savings Plan and the SHP Standard Plan. Blue Choice HMO and Cigna HMO are the currently available HMO plans.

• Dental Insurance Plans:

The State offers two dental plans: The State Dental Plan and the Dental Plus Plan. The State Dental Plan is provided at no cost to eligible employees who select employee-only coverage.

• State Life Insurance:

Employees who are enrolled in one of the State's health insurance plans are automatically enrolled, at no cost, in basic life insurance. Optional term life Insurance may be purchased. Additionally, employees may purchase life insurance for their spouse and/or dependent child(ren).

• Long Term Disability Plans:

Basic Long Term Disability insurance is provided at no cost to employees who are enrolled in one of the State's health plans. Supplemental Long Term Disability (SLTD) insurance, which provides a higher level of coverage, is also available. SLTD premiums are employee-paid.

• MoneyPlu$- the State's Flexible Benefits Program:

MoneyPlus programs enable employees to save money by allowing them to pay certain medical and dependent care expenses on a pre-tax basis. There is a small administrative fee for these programs. MoneyPlus options include the following:

  • Health, Dental and up to $50K optional life insurance premiums are paid on a pre-tax basis
  • Medical and Dependent Care Flexible Spending Accounts
  • Health Savings Account (available to SHP Savings Plan participants)

• Vision Care Program:

Discount vision care services with participating ophthalmologists and optometrists are available to employees and their family members.

The Employee Insurance Program is now offering vision benefits through the State Vision Plan. EyeMed Vision Care is the provider.