Eligibility
Non-temporary active employees hired prior to July 1, 2017, who work at least half-time or more with an appointment length of nine (9) months or more are eligible for health insurance through the University. Coverage is effective on the first day of the month following 30 days of employment, providing you enroll within 30 days of your date of employment.
Coverage is available for:
- Yourself
- Your spouse
- Common law spouse or domestic partner
- Children to age 26; + unmarried full-time students over the age of 26; + qualified children over age 26 who are totally and permanently disabled, provided the disability existed prior to age 26
Temporary staff who work at least 30 or more hours, please view your eligibility options by visiting the ACA Merit Temporary web page.
AFSCME Plans (Plans End December 31, 2017)
- Program 3 Plus Indemnity Plan Indemnity plans allow you to visit almost any doctor or hospital you like. The insurance plan then pays a set portion of your total charges.
- Iowa Select PPO PPO plans allow you to visit any in-network physician or healthcare providers without first requiring a referral from a Designated Personal Doctor.
- Blue Access MCO A Managed Care Organization is a group or organization of medical service providers who offer managed care health plans.
Health Plan Comparison
This is your tool to help guide your choice in selecting a health plan that works best for your situation. This simplified side-by-side comparison will highlight plan premiums, routine service coverage, and maximum out-of-pocket costs for each of the plans. Access Plan Comparison
Life Event | Coverage Starts |
---|---|
New Hire | Effective on the first day of the month following 30 days of employment, providing you enroll within 30 days of your date of employment. |
Qualifying Employment Event | Effective the first of the month after the event. |
Qualifying Life Events | Effective the first of the month after the event. |
Adoption, Placement for Adoption | Effective the date in which the adoption decree states. |
Birth | Effective the date in which the baby was born. |
Open Enrollment | All other changes must occur during the Annual Open Enrollment period. These changes will be effective January 1 of the upcoming year. |
Life Event | Coverage Ends |
---|---|
No Longer Eligible | Effective the last day of the month the appointment is no longer eligible. |
Separation of Employment | Effective the last day of the separation month. |
Qualifying Life Events | Effective the last day of month of the qualifying event. |
Open Enrollment | If there are changes during the Annual Open Enrollment period, coverage will end Dec 31 of the current year and new coverage will begin January 1 of the upcoming year. |
Know Your Current Elections: e-Business Suite
Learn about your current benefit elections through e-Business Suite, and using the many features of UNI Employee Self-Service.
Returning to Work
If a retiree returns and is eligible for benefits, they can either:
- Select the active employee benefits and waive retiree coverage
or - Waive the active employee benefits and continue with the retiree benefits.
Once the retiree coverage is waived, the retiree cannot re-enroll in retirement coverage.
An employee can only retire from UNI once.
Wellmark Program 3 Plus (Indemnity Plan)
Plan Information Effective: January 1, 2017 through December 31, 2017
Summary of Benefits and Coverage
Overview of common medical events and how the plan coverage and your costs work. Program 3 Plus Benefits Summary
Coverage Manual
This benefit booklet describes your rights and responsibilities under your group health plan. Access Program 3 Plus Coverage Manual
Plan Details
- For office visits, you pay a $15 office visit copayment once per date of service for the exam only. No coinsurance or deductible follows this copayment.
- The plan pays 80% of covered charges. You pay the rest (20%).
- For inpatient services, you pay for covered expenses until those expenses reach the deductible ($300 for single contracts or $400 for family contracts).
- All deductibles, coinsurance, and copayments go toward the medical out-of-pocket limit (Separate out-of-pocket maximum for prescription drugs).
- No annual or lifetime maximum benefit limits. However, certain services do have limits; for example, only one physical per year is covered.
- The pre-existing condition waiting period for new employees is 11 months. (This may be offset by proof of creditable coverage.)
- You may go to any licensed physician or hospital. Although the majority of health care providers do accept this type of insurance, some health care providers do not participate with Wellmark BCBS. If you go to a nonparticipating provider, you could be responsible for paying an additional amount out of your pocket, as that provider has not agreed to Wellmark’s payment. Anything above what Wellmark allows is your responsibility.
- Your prescription drug benefits are provided through a three-tier program. This means you pay a copayment at the time you receive your prescription until you reach your separate prescription drug out-of-pocket limit. The amount of the copayment is determined by the drug you receive. Copayment amounts are:
- $5 for preferred generic drugs
- $15 for preferred brand name drugs
- $30 for non-preferred brand name drugs and non-preferred generic drugs.
If a generic equivalent is appropriate and available and you choose a brand name drug, you are responsible for the copayment plus any difference between the maximum allowable fees for the generic and brand name drug, even if the provider has specified that the brand name drug must be taken. You will be required to pay this difference even after you have reached your separate prescription out-of-pocket limit.
- There is a separate ($500/$1,000) out-of-pocket maximum for prescription drugs. This separate out-of-pocket limit does NOT apply to the medical out-of-pocket limit.
Coverage | Employee 1/12 Annual Premium | Employee Annual Premium | UNI Annual Premium |
---|---|---|---|
Single | $20.00 | $240.00 | $11,040.00 |
Family | $335.00 | $4,020.00 | $22,356.00 |
Family - 2 State Employees Contract Holder | $20.00 | $240.00 | $12,960.00 |
Family - 2 State Employees Contributing Spouse | $0.00 | $0.00 | $13,200.00 |
Shared Family | $20.00 | $240.00 | $26,136.00 |
Wellmark Iowa Select (PPO)
Plan Information Effective: January 1, 2017 through December 31, 2017
Summary of Benefits and Coverage
Overview of common medical events and how the plan coverage and your costs work. Iowa Select Benefits Summary
Coverage Manual
This benefit booklet describes your rights and responsibilities under your group health plan. Access Iowa Select Coverage Manual
Plan Details
Iowa Select, the Wellmark BCBS Preferred Provider Organization (PPO), is similar to the Program 3 Plus plan, with one major difference. Iowa Select contracts with health care providers (hospitals, doctors, etc.) for reduced fees for each type of service. These savings are passed on to you with lower coinsurance rates (10%) if you use the network providers. You may use out-of-network providers (providers who are not part of the PPO), but then you will pay a higher coinsurance rate (20%) and are subject to the deductible.
Other Iowa Select provisions include:
- For office visits, you pay a $15 office visit copayment once per date of service for the exam only. No coinsurance or deductible follows this copayment.
- A $250 annual deductible for single coverage, which applies to both inpatient and outpatient services. The family deductible is $500.
- The deductible is waived for any services provided in the office or clinic setting of an Iowa Select physician.
- All deductibles, coinsurance, and copayments go toward the medical out-of-pocket limit (Separate out-of-pocket maximum for prescription drugs). However, certain services do have limits; for example, only one physical per year is covered.
- The pre-existing condition waiting period for new employees is 11 months. (This may be offset by proof of creditable coverage.)
- If you use network providers, you do not need to submit claim forms. The provider will do that for you.
- If you do not use network providers, you are responsible for the deductible, 20% coinsurance, plus any amount above Wellmark’s allowable amount.
- Your prescription drug benefits are provided through a three-tier program. This means you pay a copayment at the time you receive your prescription until you reach your separate prescription drug out-of-pocket limit. The amount of the copayment is determined by the drug you receive. Copayment amounts are:
- $5 for preferred generic drugs
- $15 for preferred brand name drugs
- $30 for non-preferred brand name drugs and non-preferred generic drugs.
If a generic equivalent is appropriate and available and you choose a brand name drug, you are responsible for the copayment plus any difference between the maximum allowable fees for the generic and brand name drug, even if the provider has specified that the brand name drug must be taken. You will be required to pay this difference even after you have reached your separate prescription out-of-pocket limit.
- There is a separate out-of-pocket limit ($500/$1,000) for prescription drugs. This prescription out-of-pocket limit does not apply toward the medical out-of-pocket limit.
Coverage | Employee 1/12 Annual Premium | Employee Annual Premium | UNI Annual Premium |
---|---|---|---|
Single | $20.00 | $240.00 | $11,004.00 |
Family | $328.00 | $3,936.00 | $22,356.00 |
Family - 2 State Employees Contract Holder | $20.00 | $240.00 | $12,912.00 |
Family - 2 State Employees Contributing Spouse | $0.00 | $0.00 | $13,200.00 |
Shared Family | $20.00 | $240.00 | $26,052.00 |
Wellmark Blue Access – Managed Care Organization (MCO)
Plan Information Effective: January 1, 2017 through December 31, 2017
Summary of Benefits and Coverage
Overview of common medical events and how the plan coverage and your costs work. Blue Access Benefits Summary
Coverage Manual
This benefit booklet describes your rights and responsibilities under your group health plan. Access Blue Access Coverage Manual
Plan Details
Blue Access allows you to obtain care from any provider who participates in the MCO’s network (Iowa and bordering counties). No Designated Personal Doctor referral is required.
Other MCO provisions include:
- No required deductibles. However, there are coinsurance and copayments that vary by service provided.
- Your prescription drug benefits are provided through a three-tier program. This means you pay a copayment at the time you receive your prescription. The amount of the copayment is determined by the drug you receive. Copayment amounts are:
- $5 for preferred generic drugs,
- $15 for preferred brand name drugs, and
- $30 or 25% (whichever is higher) for non-preferred brand name drugs and non-preferred generic drugs.
The prescription must be for a covered service and from a participating plan pharmacy. No ancillary charges may be assessed.
- There is a separate out-of-pocket limit ($5,850/$11,700) for prescription drugs. This prescription out-of-pocket limit does not apply toward the medical out-of-pocket limit.
- There are no annual or lifetime maximum benefit limits. However, certain services do have limits; for example, only one physical per year is covered.
- Emphasis on preventative services, with 100% coverage for an annual physical, well baby care, screening mammograms, and disease management programs.
- No pre-existing condition waiting period for new employees.
- If you receive care from an out-of-network provider, unless it is an emergency, you are responsible for full payment.
Coverage | Employee 1/12 Annual Premium | Employee Annual Premium | UNI Annual Premium |
---|---|---|---|
Single | $20.00 | $240.00 | $7,968.00 |
Family | $20.00 | $240.00 | $18,960.00 |
Family - 2 State Employees Contract Holder | $20.00 | $240.00 | $9,372.00 |
Family - 2 State Employees Contributing Spouse | $0.00 | $0.00 | $9,612.00 |
Shared Family | $20.00 | $240.00 | $18,960.00 |