Annual Medicare Creditable Coverage Notice 

VCU Human Resources will mail a notice during October to all employees who are:

  • enrolled in the state health benefits program and eligible for or entitled to Medicare
  • enrolled in the state health benefits program and covering a family member who is eligible for or entitled to Medicare

The notice verifies that the state employee health plans are, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays, and are therefore considered creditable coverage. Because the state employee coverage is creditable coverage, Medicare-eligible employees can keep the coverage and not pay a higher premium (penalty) when enrolling in Medicare drug coverage later.

Please keep the notice when you receive it by mail at your home address, as you may be required to produce it when and if you decide to enroll in a Medicare drug program in the future.

For more information about Medicare and state health coverage through VCU, see the FAQ at

COVID-19 Benefits for COVA Health Plan Participants

To avoid in-person office visits and possible exposure to COVID-19, the out-of-pocket cost for any virtual medical visit is waived for COVA Care and COVA HealthAware (through December 31). For the COVA High Deductible Health Plan, the $0 cost will apply only to COVID-19-related virtual visits. COVID-19 testing is covered with no out-of pocket cost when medically necessary and ordered by an authorized provider. The plans are also offering early prescription refills for a limited time. See important details at

Campus operations are currently altered in response to COVID-19. 

All benefit election(s) and supporting documentation must be returned by creating a service request at, by email or fax, or by uploading to VCU Filelocker. See Enroll in Benefits page. 

2021 Deferral Limits for Voluntary Retirement Savings

The 2021 annual deferral limit for 403(b) and 457(b) retirement savings plans will be $19,500. The limit for each plan type applies to pre-tax and after-tax (Roth) contributions combined in the following plans:

Note to Hybrid Plan participants: Voluntary contributions to the VRS Hybrid Plan are made to the VRS Hybrid 457.  These contributions count toward the same 457(b) limit as contributions to the Commonwealth of Virginia 457(b) Deferred Compensation Plan (“DCP”).  Combined contributions to both plans may not exceed the 457(b) limit.

Employees eligible for the age 50+ catch-up may defer an additional $6,500 to 403(b) and/or 457(b) plans in 2021.

No action is required to continue current deferral elections in 2021. Employees who wish to change deferral elections may request changes at any time. See Tax Deferred Annuity and Deferred Compensation Plan for more information. 

The 2021 limits apply to all 403(b) and 457(b) plans in which a person participates during 2021.  If you participate in plans outside of VCU that fall under the same limits, you must ensure that your combined contributions to VCU plans and all like plans outside of VCU do not exceed the limits. 

Questions? Email or call (804) 827-1723.

Signing up for benefits? Making changes? ALEX is here to help!

ALEX for VCU is the new interactive benefits counselor for faculty members and University and Academic Professionals.  Have chat with ALEX about health coverage, flexible spending, retirement benefits, life insurance, and disability coverage by visiting from your computer, smartphone, or mobile device.

VCU benefits announcements on social media will come only from VCU social media accounts

VCU Human Resources has become aware that some social media users who have identified themselves as VCU employees may be receiving offers from “Virginia Insurance Review” on Facebook and other platforms.  VCU Human Resources does not endorse or recommend this service.  For information about insurance provided to salaried employees at VCU, please see life insurance and disability insurance.

Health benefits elections and changes

The state's Employee Direct system is currently unable to process health benefits elections and changes outside of Open Enrollment. Please use the current health benefits enrollment form (PDF version or DocuSign version) to submit changes or make elections.