Navigating Your Benefits

The South Carolina Public Employee Benefit Authority regularly distributes information guides to provide facts and overviews on various aspects of their services.

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  • Item
    State ORP at a glance
    (South Carolina State Library, 2024-06-24) South Carolina Public Employee Benefit Authority
    This document explains the benefits, eligibility and enrollment and contributions to your State Optional Retirement Program account.
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    Your retirement plan payment options
    (South Carolina State Library, 2024-06-20) South Carolina Public Employee Benefit Authority
    This explains the three monthly benefit payment options available for life insurance for state employees at retirement.
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    How returning to work will impact your retirement benefits
    (South Carolina State Library, 2024-06-19) South Carolina Public Employee Benefit Authority
    Retirement might not mean the end of work. If you think you may return to a job covered by the South Carolina Retirement System (SCRS) or Police Officers Retirement System (PORS) after retiring from one of those systems, there are some rules you need to understand before retiring.
  • Publication
    Value-Based Benefits At No Cost To You
    (2024-04-29) South Carolina Public Employee Benefit Authority
    It’s always better to address a health issue before it becomes a health crisis. Visit a network provider or pharmacy to take advantage of these value-based benefits at no cost to you. These benefits can help make it easier for you and your family to stay healthy.
  • Publication
    You’re covered with membership ID cards
    (2024-02-14) South Carolina Public Employee Benefit Authority
    You receive insurance cards for health, prescription, Dental Plus and vision benefits. You can also access your digital identification cards from the BlueCross, Express Scripts and EyeMed apps. Only the subscriber’s name will be on the cards, but all covered family members can use them.
  • Publication
    Terminating your retirement under the 48-month rule
    (2024-03-05) South Carolina Public Employee Benefit Authority
    Certain South Carolina Retirement System and Police Officers Retirement System retired members who are working for a covered employer can cancel receipt of their monthly retirement benefit and return to active contributing status. The ability to cancel retirement benefits and revert to active status is commonly referred to as the 48-month rule.
  • Publication
    Economic impact of retirement benefits
    (2024-03-11) South Carolina Public Employee Benefit Authority
    PEBA disbursed more than $4 billion in retirement benefits in calendar year 2023 to more than 190,000 payees. More than 91% of payments were made to individuals who live in South Carolina. This map breaks down the benefits by county.
  • Publication
    How the state health plan measures up
    (2024-02-28) South Carolina Public Employee Benefit Authority
    The State Health Plan is a self-funded insurance plan. That means employees’ and employers’ premiums are held in a trust fund, which pays for claims. PEBA regularly benchmarks the State Health Plan against other public and private sector insurance plans. As you can see in these charts, the State Health Plan compares favorably in cost while maintaining value.
  • Publication
    What you need to know about well adult benefits
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Well visits can be a key part of preventive care. They can reassure members they are as healthy as they feel, or prompt them to ask questions about their health. The State Health Plan offers many value-based benefits at no member cost to its primary members through PEBA Perks. Learn how to coordinate your PEBA Perks benefits with your adult well visit.
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    What you need to know about balance billing
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Network providers agree to accept the State Health Plan’s negotiated rate, or allowed amount, as their total fee. It is better to stay in network if possible. If you choose to use an out-of-network provider, he may bill you the difference in its cost and the allowed amount.1 This is known as a balance bill. A balance bill does not count toward your annual deductible or coinsurance maximum, and will increase your out-of-pocket expenses. Outof- network payments go directly to the participant and not the provider.
  • Publication
    How returning to work will impact your insurance benefits
    (2023-12-05) South Carolina Public Employee Benefit Authority
    After you retire, you may choose to return to work for a participating employer. If you are in an insurance-eligible position, and you, your spouse or your children are covered under PEBA’s retiree group insurance, you must elect active coverage or refuse all PEBA-sponsored coverage.
  • Publication
    Get behavioral health care when you need it
    (2023-12-13) South Carolina Public Employee Benefit Authority
    Don’t let emotional difficulties affect your well-being. As a State Health Plan primary member, you can video chat with a licensed counselor, therapist, psychologist or psychiatrist from the comfort of your home.
  • Publication
    Generics : the store brand
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Many brand-name prescription drugs have a lower-cost, just-as-effective generic alternative. This means you can often pay less for the medication you need.
  • Publication
    Retiree insurance eligibility, funding
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Eligibility for retiree group insurance is not the same as eligibility for retirement. Determining retiree insurance eligibility is complicated, and only PEBA can make that determination. It is very important to contact PEBA before making final arrangements for retirement. As an active employee, your employer pays part of the cost of your health and dental insurance. When you retire, several factors determine if you pay all or part of your insurance premiums. These factors include your years of earned service credit, the type of employer from which you retire and the date you were hired into an insurance-eligible position.
  • Publication
    Supporting documentation for insurance enrollments
    (2023-12-05) South Carolina Public Employee Benefit Authority
    This is a list of acceptable documentation to prove the relationship of dependents you are adding to insurance coverage.
  • Publication
    Traditional Medicare and the Medicare supplemental plan
    (2023-12-05) South Carolina Public Employee Benefit Authority
    This chart is a summary of how PEBA’s Medicare Supplemental Plan coordinates (pays secondary) with traditional Medicare when Medicare is your primary coverage.
  • Publication
    Your insurance benefits on the go
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Did you know your phone can be your go-to resource for accessing your insurance benefits information? Mobile apps are available for your health, dental, prescription and vision benefits, as well as your MoneyPlus flexible spending accounts and Health Savings Account.
  • Publication
    Prescription coverage reviews
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Sometimes a prescription isn’t enough to determine if the State Health Plan will provide benefits. Express Scripts, the Plan’s pharmacy benefits manager, might need more information to determine coverage. Coverage reviews rely on medical experts and research, and aim to provide drug safety. Reviews also encourage the use of lower-cost alternatives when possible. If the determination is made to cover the medication, you will pay the appropriate copayment.
  • Publication
    Paying retiree group insurance premiums
    (2023-12-05) South Carolina Public Employee Benefit Authority
    As a new retiree who meets the eligibility requirements for retiree group insurance, the type of employer from which you retired determines how you pay your premiums in retirement.
  • Publication
    MetLife Advantages : no-cost services when you need them most
    (2023-12-05) South Carolina Public Employee Benefit Authority
    Your Optional Life insurance benefits include access to MetLife Advantages -- a comprehensive suite of valuable services for support, planning and protection when you need it most at no cost to you. It includes will preparation, estate rtesolution services, funeral planning assistance, grief counseling, life settlement account and tranbsitions solutions.