Health Expenses
A new diagnosis, a chronic condition, or recovery from an illness or injury can all create unexpected health expenses. Your Company benefits are designed to help you manage those costs with coverage that supports your care, protects your finances, and connects you to programs that are free or low‑cost. No matter what’s going on with your health, you have options that make getting care — and paying for it — more manageable.
Review the 2027 Benefits eGuide for complete plan details.
Wellness begins within
Take time to heal
Dealing with a new diagnosis, ongoing treatment, or just needing time to recover?
Family and Medical Leave (FMLA) can protect your job for up to 12 weeks. Contact The Hartford to start your FMLA request, and don’t forget to notify your manager and Human Resources. The Hartford will assess your eligibility and notify you once a decision is made. You may also qualify for state-provided leave. Contact your state agency for eligibility and details.
Disability coverage: If a health issue keeps you from working, The Hartford pays a weekly benefit of 60% of your pre-disability earnings for up to 26 weeks after a 7-day wait for Company-paid Short-Term Disability, and 50% of your monthly earnings, up to $10,000 per month starting on day 181 if it continues via Company-paid Long-Term Disability. If you enroll in the Buy-Up LTD option, your weekly pay increases to 60%.
Free support through the
Employee Assistance Program (EAP)
Available 24/7, get free, confidential support through Carelon Wellbeing for the emotional and physical toll of a health concern, whether or not you’re enrolled in an LSC Medical Plan.
You and every household member get six free in-person or virtual counseling sessions per issue, per year, covering:
- Coping with a new diagnosis
- Navigating life changes and uncertainty
- Grief, anxiety, depression, and more
Prefer to text it out? talkspace.com/carelonwellbeing (enter: LSC Communications) connects you with a licensed counselor right from your phone.
Your care, your pace, your path
Medical support when you need it most
Facing a health concern? Your LSC Medical Plan uses the Blue Cross Blue Shield of Illinois network.
A specialist from Health Advocacy Solution (HAS) can help you understand a diagnosis, find the right specialist, estimate costs, and decipher bills — call 888-895-6985.
Too unwell to leave home? Teladoc Health connects you with a doctor or behavioral health specialist virtually for $10 per visit, and they are available 24/7.
Prescription drugs
All LSC Medical Plans include prescription drug coverage through Prime Therapeutics, with certain preventive medications — generic cholesterol and blood pressure drugs, and some women’s preventive prescriptions — covered at no cost. Ask Prime Therapeutics about mail-order options for maintenance medications to reduce your costs.
Virtual physical therapy with Hinge Health
Hinge Health is free for LSC Medical Plan members 18+ to manage back, hip, knee, or shoulder pain, with personalized coaching. No appointment needed: hinge.health/lsccommunications.
Caring for yourself
Wondr Health offers free support for building sustainable habits around eating, stress, and overall well-being: wondrhealth.com/lsc.
Feel better without the financial stress
Health Savings Account (HSA) & Flexible Spending Accounts (FSA)
Take advantage of tax savings!
- HSA — If you’re enrolled in the HSA Core or HSA Value medical plan, you can take advantage of triple‑tax savings through an HSA. The Company also contributes to your HSA too — extra dollars in your pocket at no cost to you. Your 2027 combined limit, including the company contribution, is $4,500 for employee‑only coverage or $9,000 for other coverage levels, plus a $1,000 catch‑up if you’re 55 or older.
- $4,500 for employee‑only coverage
- $9,000 for other coverage levels
- Plus a $1,000 catch‑up if you’re 55 or older.
- Full‑Use Health Care FSA — If you’re not enrolled in an HSA medical plan, you can use an HCFSA to set aside up to $3,400 in pre‑tax dollars for predictable health care expenses.
- Limited‑Use FSA — If you’re enrolled in an HSA medical plan, you can contribute up to $3,400 for dental and vision expenses. After you meet your deductible, you can also use these funds for medical costs.
Financial & legal services
The EAP is also here to support you with free consultations for:
- Financial Services: debt counseling and credit management, budgeting, medical bill management
- Legal Services: estate planning, wills and trusts, medical power of attorney
Supplemental benefits
If you enrolled in Accident Insurance, Critical Illness, or Hospital Indemnity coverage through MetLife, remember to file a claim to receive your cash benefit, which can help offset medical costs.
- Accident Insurance: covers injuries, hospital stays, ambulance, surgery, and more
- Critical Illness: pays $10,000 or $20,000 for conditions like heart attack, stroke, and invasive cancer
- Hospital Indemnity: pays $500 for hospital admission plus $250 per day for up to 31 days
You can also earn $50 per supplemental plan you’re enrolled in — up to $150 per covered person — for completing a health screening.
