How Do The Options Work?

PPO Plan

The PPO Plan includes:

In-Network Services Out-of-Network Services
$500 individual deductible $1,000 individual deductible
Once deductibles are met for eligible services:
Covered at 85% Covered at 65% of usual and customary co-pay
Nationwide coverage for both routine and emergency medical care.
Flexibility to visit physicians both in-network and out-of-network.
No requirement to choose a primary care physician.

NOTE: The in and out-of-network deductibles do not cross-accumulate.

All services are subject to contract provisions and exclusions as defined in the benefit plan document.

Claim information can be obtained through Anthem’s web site at

HSA Plan

This option provides plan participants with lower-cost premiums in exchange for a higher deductible. All services received, including prescription drugs, are subject to this deductible, which must be met before the plan will begin to pay. In order to assist with this higher deductible, a Health Savings Account will be funded by the University with $500 annually for an individual plan or $1,000 with a plus one or family plan***. This special account, which a member can make voluntary elections to in addition to the University contribution, is tax incentivized and remains the property of the member even if they leave the university or switch to a different plan in the future. Individual accident and critical illness insurance is also included with this plan. Members may voluntarily elect to add this coverage to their dependents.

The HSA Plan Includes:

Requires designation of primary care physician No
Requires referrals for a specialist physician in the network No
Deductible applies to all services, such as
* Primary Care Physician
* Specialist Physician
* Prescription Drugs
Wellness Center visit $30 + cost of labs, etc.
In-Network Services
$2,000individual deductible**
$3,750 family deductible

**The individual deductible only applies when enrolling in an individual medical plan. Members who enroll in a family or +1 tier will be responsible for the $3,750 true family deductible before services begin to be covered.

Plans that start after 7/1 will have their deductible reduced by half. The account is funded during the first payroll after the plan is active.

Claim information can be obtained through Anthem’s web site at

High Deductible Health Plan (HDHP) with HRA

This plan provides a lower-premium option for those who can pay a larger portion of their medical care at the time they receive it.

How it works

The High Deductible Health Plan costs less each month than the other plans, so it could save you money—as long as you don’t incur many medical claims. If you do have claims, you’ll pay a higher deductible before the plan pays. You’ll also pay “first dollar” of the care you receive, which means you’ll pay the full cost each time—not just a co-pay or co-insurance—until you’ve met the deductible. (Preventive care is an exception: it is always covered at 100% regardless of how much of your deductible you’ve met.)

HDHP includes Health Reimbursement Account

Because HDHP participants are responsible for paying a higher deductible, unexpected medical costs can be an unwelcome surprise. So if you decide the HDHP is right for you, the University will help you meet the first one-third of your deductible by setting aside $500 for you (or $1,000 for individual +1 or families) in a Health Reimbursement Account (HRA).

HDHP includes Accident Insurance and Critical Illness Insurance

Individual Accident Insurance and Critical Illness Insurance are included at no cost for all faculty and staff who participate in the HDHP; coverage for family members may be purchased for an additional premium.

Claim information can be obtained through Anthem’s website at

Send us your comments and questions.

Health Insurance Marketplace Coverage Options