现有的医疗保健福利
医疗
UM offers a comprehensive medical insurance plan through Blue Cross/Blue Shield to all active, full-time employees appointed for an academic year or longer. Spouses and unmarried dependent children up to age 26 may also participate when family coverage is selected by the employee. Benefits-eligible temporary/adjunct employees who are not in continuous renewal status may participate only during the months of their active service. Coverage may begin on the first day of the employee’s first full month of employment and terminates on the last day of the month of their termination. Employees’ share of the premium is $100/single contracts and $236/family contracts. The employer/employee cost split for medical insurance is 80%/20%.
好处:
- $35 copay per office 访问 for primary care physician; $50 copay for specialist
- $300 inpatient hospital deductible and $150 per day copay beginning with the 2nd through 5th day, 每个入学
- 门诊医院福利(共付150美元)
- $500 major medical deductible per calendar year, per person (maximum of 3 deductibles per family)
覆盖服务:
- 医院服务
- 扩大精神科服务(住院/门诊)
- 参与脊医服务
- 预防保健服务，包括医院新生儿 & 儿童护理，常规免疫接种，常规子宫颈抹片检查 & 乳房x光检查和前列腺特异性抗原
牙科
牙科 insurance is through Blue Cross/Blue Shield and is provided at no cost to all employees, 他们的配偶和家属参加了医疗计划. Enrollment is in conjunction with the application for medical coverage. Employees must enroll in the health plan to be eligible for dental coverage. The maximum benefit for each covered person is $1,000 per calendar year.
诊断 & 预防性服务:
- 诊断 & preventive services are covered at 100% with no deductible.
基本及补充服务:
- 馅料, 简单拔牙, 口腔外科, 限制, 紧急救治, 牙周膜的服务, 等., are payable at 80%, subject to the calendar year deductible of $50.00.
人工服务:
- 全假牙或部分假牙、桥、冠等., are covered at 50%, subject to the calendar year deductible of $50.00.
处方药
Prescription drugs are covered under the Point-of-Sale Plan. No benefits are available for prescriptions purchased at a non-participating pharmacy in Alabama.
通用保险100%，无免赔/无共付.
品牌覆盖80%.
视觉保险
UM offers an employee-funded optional coverage vision insurance through VSP. VSP Plan for UM gives employees and their covered family members an affordable vision plan.
Copay: $20 per exam and $20 for eyeglass lenses and contact lenses.
该计划提供:
- 每年眼科检查
- 每12个月更换一次眼镜
- 每24个月一次
- Progressive (no-line bifocal and trifocal) lens covered in full
- 隐形眼镜津贴$150(代替眼镜)
- 聚碳酸酯镜片为儿童完全覆盖
眼镜蛇
眼镜蛇 is a federal law that requires most group health plans to give employees and their families the opportunity to continue their health care coverage when there is a “qualifying event.”
灵活支出账户
澳门大学提供灵活开支帐户(FSA), which is an employee benefits program designed to increase your disposable income by reducing the amount of taxes you pay. This program allows the use of pre-tax dollars to pay for qualified dependent/child care expenses and eligible health care expenses, 包括牙科费用, which are not reimbursed by the 澳门在线赌城娱乐 Health and 牙科 Plan or any other insurance plan. You will learn more about this benefit during your 新员工 取向 and may enroll in the program within 30 days of employment or during Open Enrollment for the next plan year.
不过这些账户是管理的 HealthEquity. 当你产生了合格的医疗费用, you will be able to pay with the HealthEquity® Visa® Reimbursement Account Card or submit the expense through the HealthEquity online tool for reimbursement. It is important to remember to save all receipts as you will need them for reimbursements and to possibly validate your expenses with HealthEquity.
宽限期
The grace period provision provides for a delay to the “use it or lose it rule” under traditional FSA plans. The grace period allows for money remaining in a Health FSA at the end of a plan year to carry over to cover eligible expenses incurred through the 15th day of the third month after the plan year ends. This does not eliminate the “use it or lose it rule” completely. Any unused amounts from the prior plan year that are not used to reimburse expenses by the end of the grace period remain subject to the “use it or lose it rule” and must be forfeited.
Flexible Spending Account Enrollment Information and Maximum Annual Contribution
You establish your account(s) by electing an annual amount to be deducted from your paycheck and deposited equally over 12 or 24 pay periods, 这取决于你的月薪或双周薪. 你不用交社会保障税, federal income taxes or state income taxes on either the amount you contribute to an account(s) or the amount reimbursed to you from an account(s). New employees interested in participating in 灵活支出账户 must submit a completed enrollment form to 人力资源 within 30 days of employment. Current employees must enroll each year during Open Enrollment in November for participation in the following calendar year.
The maximum annual employee salary reduction contribution allowed for the Health Care Flexible Spending is $3,050 最小值为 $260.
The maximum annual employee salary reduction contribution allowed for the Dependent Care Flexible Spending is $5,000 or $2,500 已婚纳税人单独报税.
If you have questions concerning your Flexible Spending Account, please contact HealthEquity, Inc.
欲了解更多信息，请 访问 www.healthequity.com.
健康权益会员服务:1-877-288-0719 memberservices@healthequity.com