Contributions

2008 Monthyly Health & Dental Employee Premiums

Use the link above to access a summary of 2008 comparative health care plan features and corresponding monthly premiums. There are two pages for each of the four premium coverage tiers – one for in-network services and the other for out-of-network services. Benefits are higher when care is received from an in-network provider.

Premier PPO

The Premier PPO plan enables you to choose care from any licensed physician though benefits are higher if care is provided by a Blue Cross network provider. This plan has an annual deductible of $250 for an individual and $750 for a family. Once the deductible is met, you pay 10% of eligible charges for hospital and physician care and the plan pays 90%. The plan pays 100% of the cost of prescription drugs after you pay specified co-payments.

	Back to top

Select PPO Plan

The Select PPO plan enables you to choose care from any licensed physician though benefits are higher if care is provided by a Blue Cross network provider. This plan has an annual deductible of $500 for an individual and $1,500 for a family. Once the deductible is met, you pay 20% of eligible charges for hospital and physician care and the plan pays 80%. The plan pays 100% of the cost of prescription drugs after you pay specified co-payments.

	Back to top

Value PPO

The Value PPO plan is an innovative plan that offers the lowest monthly premium, but higher out of pocket expenses. This plan enables you to choose care from any licensed physician though benefits are higher if care is provided by a Blue Cross network provider. There is an annual deductible of $1,200 for an individual and $2,400 for a family. Once the deductible is met, you pay 20% of eligible charges for hospital, physician and prescription drugs and the plan pays 80%. As it qualifies as a high deductible health plan, it also offers a health savings account (HSA) and tax savings ways to help you pay for health related expenses. Wellness services are covered at 100%.

	Back to top

HMOs

HMO Illinois provides care from a network of physicians (including ENH) and pays 100% after specified co-payments and deductibles are paid. Members must select a primary care physician who will coordinate your care with other network providers. The inpatient hospital deductible is $500 and the outpatient surgery deductible is $250.

UniCare HMO provides care from a network of physicians (including NMFF) and pays 100% after specified co-payments and deductibles are paid. Members must select a primary care physician who will coordinate your care with other network providers. The inpatient hospital deductible is $300 and the outpatient surgery deductible is $250.

	Back to top

Leave of Absence

	Back to top

COBRA

	Back to top

Retiring

	Back to top

NRSA Post Doctoral Fellows

Since NSRA recipients are not considered by the Internal Revenue Service (IRS) to be employees, employee related benefits are not generally available. However, the University has made its health, dental and vision insurance plans accessible to NRSA recipients. Single coverage has the monthly insurance premium paid by a combination of funds from the NRSA grant and from University funds. No premium amount is charged to the recipient. Family coverage has the monthly premium paid by a combination of funds from the NRSA grant, from University funds and from the NRSA recipient by payroll deduction. The deduction is on an after tax basis. The amount is the increment between the single and family related contributions normally made by University faculty and staff.

	Back to top

Vision Plan