Adjunct Health Benefits
In this section of the site you'll find information on the health insurance plans offered by the College, premium costs, and participation rules. You will also find a comparison grid of the benefits offered to adjunct faculty under the two medical plans; an explanation of how contributions toward benefits are earned; and contact information for Brokerage Concepts, Inc. d/b/a HealthNow as well as for the various carriers. For those who have medical benefits elsewhere, there is information on the reimbursement process.
Adjuncts and Visiting Lecturers are eligible to receive contributions from the College towards health insurance premiums. Visiting Lecturers are entitled to fully paid benefits through the College. Adjunct faculty may either: elect coverage offered by the College and pay a portion of the premiums, or be reimbursed, up to the amount contributed by the College, for premiums paid for plans obtained elsewhere.
Adjunct faculty who wish to enroll in one of the plans or make changes to their current elections may obtain enrollment forms online or in the Human Resources Office at, 1500 Spring Garden Street, 7th Floor, or by contacting the Benefits Department at . Those already enrolled in a medical plan at the College who do not wish to make any changes, do not need to complete any paperwork at this time.
Medical Plan Options
Medical coverage represents the foundation of your benefit plan protection. You are eligible for this coverage after one (1) seniority unit has been earned. The College offers two medical plan options, both with Independence Blue Cross.
- Flex Personal Choice
- Keystone Point-of-Service (KPOS)
It’s important that you carefully review the descriptions of covered services and supplies for these medical plan options and assess your medical needs before making your benefits selections.
Personal Choice PPO
Personal Choice is a PPO option a preferred provider organization. You may select network associated general practitioner, pediatric and specialty doctors. Under a PPO, you do not need to select a primary care physician (PCP), nor do you need to receive prior approval from a primary care physician (PCP) before seeking advice from a specialist or for emergency room treatment. You also have the opportunity to be treated by a non-participating doctor and still receive partial reimbursement.
Keystone Point-of-Service (POS)
POS is a type of HMO (health maintenance organization) option. An HMO plan operates under different guideline than the Personal choice option. First, you select your primary care physician (PCP) from a list of participating doctors. If you wish to see a specialist or visit the emergency room, normally you must first get a referral from your primary care physician (PCP). The KPOS medical plan also permits you to receive some healthcare service out-of-network, after payment of a deductible. Out-of-network expenses are also subject to co-insurance.
| Personal Choice | Keystone POS | |||
|---|---|---|---|---|
| In-Network | Out-of-Network | Referred Care | Self-referred Care | |
| Medical Deductible | ||||
| Employee | $500 | $700 | $500 | $700 |
| Employee + 1 Dependent | $1000 | $1400 | $1000 | $1400 |
| Family | $1500 | $2100 | $1500 | $2100 |
| Medical Coinsurance | None | 70% | None | 80% |
| Out-of-Pocket Maximum | ||||
| Employee | $4500 | N/A | $4500 | N/A |
| Family | $9000 | N/A | $9000 | N/A |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
| Doctor’s Office Visits | ||||
| Primary Care Physician | $10 Copayment | 70%, after deductible | $10 Copayment | 80%, after deductible |
| Specialist Services | $40 Copayment | 70%, after deductible | $25 Copayment | 80%, after deductible |
| Routine GYNExam/PAP | None | 70%, No deductible | None | 80%, No deductible |
| Pediatric Immunizations | 100% | 70%, No deductible | 100% | 80%, No deductible |
| Inpatient Hospital Services | 100% | 70%, after deductible | 100% | 80%, after deductible |
| Inpatient Hospital Days | Unlimited | 70 days | Unlimited | 120 days |
| Inpatient Hospital Services | 100% | 70%, after deductible | 100% | 80%, after deductible |
| Outpatient Surgery | 100% | 70%, after deductible | 100% | 80%, after deductible |
| Emergency Room | $100, not waived if admitted | $100, not waived if admitted | $35, waived if admitted | $35, waived if admitted |
| Laboratory Services | 100% | 70%, after deductible | 100% | 80%, after deductible |
Eligibility Requirements
Newly hired employees may sign up for coverage once they have earned one (1) seniority unit. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage etc.)
Cost of Medical Plan Coverage
For Pools I and II , the College will pay 50% of the more expensive single (employee only) coverage. For Pools III and above the College will pay 75% of the more expensive single (employee only) coverage.
Prescription Drug Benefits
Your prescription drug benefits are provided to you through a “free-standing” drug plan (CVS Caremark). Your prescriptions can be filled at pharmacies both locally and throughout the country – with a 30-day supply. If you are taking a “maintenance” medication, you can use the mail order option and receive a 90-day supply. Medications provided via mail order are subject to two (2) co-payments, so you save both time and money!
Eligibility Requirements
Newly hired employees may sign up for coverage once they have earned one (1) seniority unit. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage, marriage, divorce, etc.)
Cost of Prescription Plan
There is no contribution from the College. Employee pays 100% of monthly premium cost.
| Prescription Drug | Retail | Mail Order |
|---|---|---|
| Generic Co-Pay | $0 | $0 |
| Preferred Brand Co-Pay | $30 | $60 |
| Non-Preferred Brand Name | $50 | $100 |
| Specialty | $80 | $160 |
| Supply Limit # Days | 90 (Maintenance Drugs) | 90 (Maintenance Drugs) |
Dental Plan Options
The College offers two dental plan options.
Delta Dental
Delta Dental is a dental PPO option, which offers you the option to select a dentist from their Delta Premier or Delta Preferred list of participating dentist, or use a dentist from outside of the network.
United Concordia
United Condordia is a dental HMO option, which means that you must select a primary dentist from a list of participating dentists.
The chart below will provide you with a comparison overview of dental benefit coverages under the College’s two (2) plan options. More detailed information is provided at enrollment time, including plan exclusions and limitations.
Eligibility Requirements
Newly hired employees may sign up for coverage after one (1) seniority unit has been earned. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage, marriage, divorce, etc.).
Cost of Dental Plan
There is no contribution from the College. Employee pays 100% of monthly premium cost.
| Delta Dental | United Concordia | |||
|---|---|---|---|---|
| Paid by Delta | Paid by Patient | Paid by United Concordia | Paid by Patient | |
| Diagnostic | 100% | 0% | 100% | 0% |
| Preventative | 100% | 0% | 100% | 0% |
| Basic Restorative | 100% | 0% | 100% | 0% |
| Major Restorative | 100% | 0% | Various based on treatment from $0 - 284 | |
| Oral Surgery | 100% | 0% | 100%, less copayment | Various based on treatment from $19 - $158 |
| Endodontics | 100% | 0% | 100%, less copayment | Various based on treatment from $0 - $231 |
| Periodontics | 50% | 50% | 100%, less copayment | Various based on treatment from $0 - $100 |
| Prosthodontics (full or partial) | 50% | 50% | 100%, less copayment | Various based on treatment from $25 - $353 |
| Denture Repair | 100% | 0% | 100%, less copayment | Various based on treatment from $0 - $256 |
| Orthodontics | 50% | 50% | 100%, less copayment | Various based on treatment from $440 - $2,530 |
| Orthodontics Lifetime Limit | $1,000/patient | balance | 100%, less copayment | |
Basic Life Insurance and Accidental Death Dismemberment
The College provides basic life and Accidental Death & Dismemberment insurance protection.
Eligibility Requirements
Adjunct Faculty are eligible for the Group Life Insurance, at the conclusion of the semester in which they earn twelve (12) seniority units or more. The face value of this term life insurance policy is $16,000. You must be actively working in each semester of coverage.
Cost of Basic Life and AD&D
Monthly premium costs are split 50/50 between the College and adjunct faculty member.
Group Certificate and Summary Plan
Class 6 - Part Time Adjunct Faculty Members and Visiting Lecturers