Comprehensive Benefits Overview for University of Northern Iowa Employees
Welcome to the University of Northern Iowa! We value our employees and offer exceptional benefits and services. This overview includes details on health insurance eligibility, coverage options through Wellmark Blue Cross Blue Shield and UNIPPO, and our dental plan through Delta Dental. Employees can designate in-network primary care providers, access mail-order prescription services, and benefit from pre-tax premium plans for healthcare expenses. Our Benefits Department, located in Human Resource Services, is dedicated to supporting you with any questions or needs regarding your benefits.
Comprehensive Benefits Overview for University of Northern Iowa Employees
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Presentation Transcript
Your Benefits Professional & Scientific, Institutional Officials, Academic Administrators, and Merit Supervisory Staff Presented by: Bobbi Vandegrift – Employee Benefits & Wellness Coordinator
Welcome to the University of Northern Iowa! UNI employees are among the University’s most valued resources; we recognize their worth by providing them with the best benefits and customer service possible.
UNI Benefits Department The Benefits Department is located in Human Resource Services – 027 Gilchrist Benefits Staff • Cindy Webb • Benefits Administrator • Bobbi Vandegrift • Employee Benefits & Wellness Coordinator • Therese Callaghan • Employee Disability & Leave Coordinator • Sandy Law • Secretary III More Information is available on the Human Resources website
Who May Be Covered? • Yourself • Your Spouse • Common law spouse or domestic partner • Children • Under age 26 • Unmarried fulltime student • Qualified children over age 26 who are totally and permanently disabled
Health InsuranceWellmark Blue Cross Blue Shield • Eligibility Requirements: • 20 or more hours a week with an appointment for 9 months or longer • Date Coverage Begins: • First day of the month following the date of employment • Pre-Existing Conditions: • No waiting periods • Submit health/dental enrollment form within 30 days after your date of employment
UNI PPO Insurance Plan • Preferred Provider Organization (Alliance Select PPO) • Selecting an in-network health care provider may mean you will pay less for out-of-pocket expenses • In Iowa: • 100% of the hospitals participate in Alliance Select • 99% of the providers participate in Alliance Select • View Coverage Manual
In 200 countries UNI PPO Insurance Plan • Health Care Across the Country and Around theWorld 90% of Hospitals 80% of Physicians
Find a Doctor or Hospital • Iowa Provider Search • www.wellmark.com
UNI Blue Advantage • Managed Care Organization • Iowa/South Dakota Network • Designate an in-network provider • Generally, benefits available only when received from PCP or network providers • 100% of hospitals and 98% of physicians in Iowa participate in the Blue Advantage Network • In-network referrals are covered • View Coverage Manual
UNI Blue Advantage Network • Emergency Care When Traveling • No coverage outside of the Iowa/South Dakota network, unless: • Accidental Injury • Emergency • Case Management Referral
Primary Care Providers (PCP) • Designate an in-network PCP when you enroll • PCP’s Include: • General & family practitioners • Doctors of internal medicine (internists) • Pediatricians • Advanced Registered Nurse Practitioners (ARNP) • Physician’s Assistants
Primary Care Providers (PCP) • Females may also choose a secondary in-network PCP (OB/GYN) to coordinate care • Routine physical must be completed by a PCP or OB/GYN • PCP’s can be changed at any time. • Effective date of change is the first of the next month • Contact Wellmark customer service to update your PCP
Guest Membership • Outside the Wellmark Blue Advantage network for at least 90 days: • Traveling long-term • Covered dependents attending college out-of-state • Covered family members living apart • Not all services are covered • Must designate a PCP for out-of area location
Mail Order Prescription Drugs • Employees enrolled in UNI PPO or UNI Blue Advantage are eligible • Receive three months of a prescription for two monthly co-payments • Convenient and safe prescription mail order service through Immediate Pharmaceutical Services
Health Insurance Premiums July 2012 – June 30, 2013 * Both spouses work in positions that make them eligible for benefits at UNI. ** Must met certain criteria and complete and sign an “Affidavit of Domestic Partnership.” Rates are based on 1/12
UNI Dental Plan 2 Coverage • Preventive Maintenance Care – Delta Dental pays 100% • Routine Restorative Care and Surgical Care – Delta Dental pays 80% • Major Restorative Care and Dental Prostheses – Delta Dental pays 50% • Maximum Annual Benefit – $1,500 per person per calendar year for all services combined • Orthodontic Care – 50% up to a $1,500 lifetime maximum per member • View Coverage Manual
Dental Insurance Premiums July 2012 – June 30, 2013 * Both spouses work in positions that make them eligible for benefits at UNI. ** Must met certain criteria and complete and sign an “Affidavit of Domestic Partnership.” Rates are based on 1/12
Pre-Tax Premium Plan • Allows employees to pay family health and/or dental insurance premiums with pre-tax dollars • Premium is deducted before federal and state income tax, and FICA taxes are calculated • Participation limits the changes that can be made to plans during the plan year
Adding/Dropping Dependents • Life Events • Birth, adoption, or placement for adoption • Marriage • Spouse loses and/or gains coverage • Death • Divorce • To change your benefits, you must notify UNI within 31 days of the life event • In the case of birth, adoption, or placement for adoption, you must notify UNI within 60 days of the event.
Open Enrollment Periods • Changes and new enrollments are effective on August 1st for: • Health • Dental • Changes and new enrollments are effective on January 1st for: • Vision • Flexible Spending
Avesis Vision Plan • Nationwide network of providers • Pre-tax payroll deduction • Covers materials only • Includes glasses or contacts • Reminder: an eye exam is covered under your health insurance plan • Monthly Premium: • Employee Only - $8.15/month • Employee + Family - $18.76/month
EyeMed Vision Discount • If you are enrolled in Delta Dental of Iowa, you are eligible for a vision discount program through EyeMed Vision Care at no extra cost • Visit Delta Dental for more details on the discounts offered and a list of participating providers • You’re automatically enrolled • This discount program does not work in conjunction with Avesis; you must use one or the other
Life Insurance • Eligibility: • 20 or more hours a week with an appointment for 9 months or longer • Date Coverage Begins: • Automatic enrollment on the date eligibility requirements are met • Cost: • Full premium is paid by UNI • View Coverage Manual
Life Insurance • Coverage is 1.5 times the employee’s annual budgeted salary up to a maximum benefit of $250,000 • Life insurance benefit reduces by 35% at age 65 • Beneficiary: • Complete a Beneficiary Designation Form and update your beneficiary as necessary
Voluntary Term Life Insurance and AD&D • Voluntary term life insurance (VTL) and accidental death & dismemberment (AD&D) coverage is available to employees, spouses, and children • Through Principal Life Insurance Company • Monthly payroll deduction withheld after-tax • View Coverage Manual
AD&D • AD&D coverage is automatically included for those covered under the voluntary term life insurance • Benefits will equal the voluntary life insurance coverage elected
Voluntary Life – Employee • Employee Coverage Amounts: • Minimum amount: $10,000 • Maximum amount: $300,000 • Purchase benefits in $10,000 increments • Guaranteed coverage under age 70 is $300,000 • Guarantee coverage age 70 and over is $10,000
Voluntary Life - Spouse • Employee coverage is required for spouse to elect coverage • Spouse Coverage Amounts: • Minimum amount: $5,000 • Maximum amount: $50,000 • Purchase benefits in $5,000 increments • Guaranteed coverage under age 70 is $50,000 • Guarantee coverage age 70 and over is $10,000
Voluntary Life - Children • Child Coverage Amount • For eligible children age 14 days or older: • $10,000 of coverage – number of children covered is unlimited • $2.00 per family/month • For eligible children under 14 days of age: • Employees who elect the coverage receive $1,000 of coverage
Voluntary Life – Portability • If an employee leaves UNI, they can continue their voluntary term life coverage • Rates will remain the same as the UNI group rates for at least 12 months
LTD Insurance • Eligibility: • 20 or more hours a week with an appointment for 9 months or longer • Date Coverage Begins: • Automatic coverage after one year of service • Cost: • Full cost is paid by UNI
LTD Insurance • Provides salary replacement if an employee is totally disabled • Benefits begin the later of 90 working days or expiration of all accrued sick leave
Supplemental LTD Coverage • Allows eligible employees to purchase 70% LTD coverage prior to their normal eligibility for University paid coverage • Employee pays the full premium through payroll deduction
LTD Insurance Retirement Protection Plan • Continues retirement contributions and life insurance for employees who qualify for disability benefits and are enrolled in TIAA-CREF • Coverage is automatic and the premium is paid in full by UNI
