HR Benefits – Insurance
- Aetna Healthcare-HMO/PPO/CDHP
- CareFirst-HMO/PPO
- Kaiser Permanente-HMO
- United Healthcare Choice Nationwide
*Plan options vary based upon appointment designation
The University contributes 75% of the total cost for health insurance premiums. Employees pay 25% of the associated costs. The semi-monthly 2019 health premiums are listed below:
| Type | United Health Care Choice Nationwide | Kaiser HMO | Carefirst PPO | Carefirst HMO | Aetna PPO | Aetna HMO | Aetna CDHP |
|---|---|---|---|---|---|---|---|
| Bi-weekly Rates - (26) Installments - Effective January 22, 2022 | |||||||
| Enrollment Code | Self-Only MD1 Self-+1 MD2 Family MD3 |
Self-Only KP1 Self + 1 KP2 Family KP3 |
Self-Only C10 Self + 1 C11 Family C12 |
Self-Only C01 Self + 1 C02 Family C03 |
Self-Only AP1 Self + 1 AP2 Family AP3 |
Self-Only AH1 Self + 1 AH2 Family AH3 |
Self-Only HM1 Self + 1 HM2 Family HM3 |
| Self Only | $94.78 | $82.83 | $97.80 | $86.60 | $98.21 | $100.85 | $38.73 |
| Self + 1 | $181.03 | $158.21 | $186.80 | $170.61 | $193.05 | $198.23 | $76.13 |
| Family | $277.71 | $242.69 | $286.55 | $250.28 | $283.81 | $291.42 | $111.92 |
| Semi-monthly Rates for (24) Installments - Effective January 1, 2022 | |||||||
| Self Only | $102.68 | $89.74 | $105.95 | $93.82 | $106.40 | $109.25 | $41.96 |
| Self + 1 | $196.12 | $171.40 | $202.36 | $184.83 | $209.15 | $214.75 | $82.48 |
| Family | $300.85 | $262.92 | $310.43 | $271.14 | $307.46 | $315.71 | $121.25 |
| Semi-monthly Rates for (18) Installments - Effective January 1, 2022 | |||||||
| Self Only | $136.91 | $119.65 | $141.27 | $125.09 | $141.86 | $145.67 | $55.95 |
| Self + 1 | $261.49 | $228.53 | $269.81 | $246.43 | $278.86 | $286.33 | $109.97 |
| Family | $401.13 | $350.56 | $413.91 | $361.51 | $409.95 | $420.94 | $161.67 |
The University pays 100% of the premium costs for dental coverage through CIGNA DHMO plan. An employee can elect the CIGNA Dental PPO and will be responsible for the associated premium cost.
Group Life Insurance - Term life insurance provides coverage equal to an employee’s annual salary rounded to the next thousand, plus $2000. An employee pays two-thirds of the total cost of group life insurance and the University pays one-third. For example:
| Basic Salary | You pay… |
|---|---|
| $100,100 (rounded to the next thousand)
$102,000 + $2,000 = $104,000 |
$8.84 |
Optional Life Insurance - Optional life insurance is available at low cost for an employee and their dependents. Employees pay 100% of the cost of optional life insurance. Listed is an example of the estimated cost of optional life insurance coverage.
-
- Basic Life Insurance – Annual Salary + 2K
- Option A – Additional $10,000 (employee only)
- Option B – Ranges from 1 to 5 times annual salary (employee only)
- Option C – Coverage for eligible Spouse/ or eligible dependents
- Rates are based on your age and coverage level
| Option C: "Family" Biweekly Rates | |||
| Option | Age <45 | Age 45-54 | Age 55+ |
| $10,000 spouse life & $10,000/child life | $0.77 | $1.46 | $3.53 |
| $25,000 spouse life & $10,000/child life | $1.50 | $3.22 | $8.39 |
| $50,000 spouse life & $10,000/child life | $2.69 | $6.14 | $16.46 |
Disability Programs:
Standard Insurance Company
- Short-term Disability
- Nonrelated work injury
- Illness
- Long-term Disability
- Illness lasting longer than 6 months
-
-
* For more information on disability plans go to Employee Insurance | dchr