About The Local Choice

Overview

The Local Choice (TLC) health benefits program was created by the General Assembly in 1989 and has been providing health coverage to local jurisdictions since 1990. A total of seven health plans are included as options for local government employees under TLC. These include five self-insured statewide medical plans, one of which is a high deductible health plan.

There are also two fully-insured regional HMO plans offered, one by Kaiser Permanente in Northern Virginia, Washington, D.C., and parts of Maryland. As of July, 2020, we added a regional HMO plan option offered by Optima Health to localities in the Greater Hampton Roads region.

Administration of Benefits

Key Advantage Plans: (for active participants and retirees not eligible for Medicare)

  • Medical - Anthem Blue Cross and Blue Shield
  • Prescription Drugs - Anthem Blue Cross and Blue Shield
  • Behavioral Health and EAP - Anthem Blue Cross and Blue Shield
  • Dental - Delta Dental of Virginia
  • Routine Vision - Anthem Blue Cross and Blue Shield

High Deductible Health Plan: (for active participants and retirees not eligible for Medicare)

  • Medical - Anthem Blue Cross and Blue Shield
  • Prescription Drugs – Anthem Blue Cross and Blue Shield
  • Behavioral Health and EAP - Anthem Blue Cross and Blue Shield
  • Dental - Delta Dental of Virginia
  • Routine Vision - Anthem Blue Cross and Blue Shield

Medicare Supplement Plans: (Only for retirees and dependents eligible for Medicare, if offered)

  • Medical - Anthem Blue Cross and Blue Shield
  • Dental - Anthem Blue Cross and Blue Shield
  • Routine Vision – Anthem Blue Cross and Blue Shield, if offered

Medicare Supplement plans do not cover outpatient prescriptions

The Local Choice Plans

Statewide Plans

Currently local governments and school systems may select from five self-insured plans. While the plans provide similar benefits, the amount the employee pays out of pocket differs by plan.

  • Key Advantage With Expanded Benefits
  • Key Advantage 250
  • Key Advantage 500
  • Key Advantage 1000
  • High Deductible Health Plan

Employers with 15 to 99 eligible employees may offer any two plans

Employers with 100 or more eligible employees may offer two Key Advantage plans, the High Deductible Health Plan and / or a regional plan.

Regional Plans

As of July 1, 2020, two fully-insured regional plans are offered.

  • Kaiser Permanente HMO. The service area includes Northern Virginia, Washington, D.C., and parts of Maryland.
  • Optima Health HMO. The service area includes Greater Hampton Roads region.

The Local Choice - Health Benefits Program
Dept. of Human Resource Management

Contact Information:
101 N. 14th Street - 12th Floor
Richmond, VA 23219
Phone: 888-642-4414
tlc@dhrm.virginia.gov

©2022 Virginia Department of Human Resource Management