Ivy Tech Community College Limited Medical Insurance Plans
PLAN INFORMATION Ivy Tech Community College currently offers two limited medical insurance plans to adjunct faculty members who do not also have a fulltime appointment with Ivy Tech, or part-time (less than 60%) hourly or administrative employees who are not eligible for the full-time Ivy Tech benefit plan. Eligible employees may purchase one of the plans to cover you, your spouse and eligible dependent children. The two limited medical insurance plans offered include: Basic Medical Plan Enhanced Medical Plan
PLAN SUMMARY COMPARISON Maximum Per Occurrence or Sickness Deductible (per illness or injury)
Prescription Drug Benefit
BASIC PLAN
ENHANCED PLAN
$2,500
$5,000
$200
$150
At pharmacy, there is a point of sale discount. After paying for prescription, receipt should be sent to American Sentinel for 50% reimbursement $20.00
At pharmacy, there is a point of sale discount. After paying for prescription, receipt should be sent to American Sentinel for 50% reimbursement $15.00
60% after deductible
80% after deductible
$400 per day
$500 per day
60%
80%
Plan comparison at a glance Office Visit Copay Hospital Care Physician Services Lab/X-ray/Diagnostic Care Surgery Other Covered Medical Services Additional Inpatient Benefit Emergency Room/Ambulance
BASIC MEDICAL PLAN SUMMARY MultiPlan Network Office Visit Benefit
$20 co-pay
Rx Benefit (name brands and generics)
Covered at 50% up to $750 per Calendar Year
Hospital Care (inpatient and outpatient)
60% after per occurrence deductible
Physician Services
60% after per occurrence deductible
Additional In-patient Benefit
$400 Per Day 30 Days Per Calendar Year
Lab/X-ray/Diagnostic Care
60% up to $750 per occurrence
BASIC MEDICAL PLAN SUMMARY (continued) MultiPlan Network Emergency Room/Ambulance Covered at 60% ($350 per visit Emergency Room Deductible – waived if due to an accident or results in hospital admission) Surgery (inpatient and outpatient)
60% after per occurrence deductible
Other Covered Medical Services (home health, hospice, physical therapy)
60% after per occurrence deductible
Deductible Per Accident or Sickness
$200
Maximum Benefit Per Accident/Sickness
$2,500 Per Occurrence
ENHANCED MEDICAL PLAN SUMMARY MultiPlan Network Office Visit Benefit
$15 co-pay
Rx Benefit (name brands and generics)
Covered at 50% up to $1,000 per Calendar Year
Hospital Care (inpatient and outpatient)
80% after per occurrence deductible
Physician Services
80% after per occurrence deductible
Additional In-patient Benefit
$500 Per Day 30 Days Per Calendar Year
Lab/X-ray/Diagnostic Care
80% up to $1,000 per occurrence
ENHANCED MEDICAL PLAN SUMMARY (cont.) MultiPlan Network Emergency Room/Ambulance Covered at 80% ($350 per visit Emergency Room Deductible – waived if due to an accident or results in hospital admission) Surgery (inpatient and outpatient)
80% after per occurrence deductible
Other Covered Medical Services (home health, hospice, physical therapy)
80% after per occurrence deductible
Deductible Per Accident or Sickness
$150
Maximum Benefit Per Accident/Sickness
$5,000 Per Occurrence
COVERAGE BASICS
90% of claims incurred are between $1 and $3,500 Both plans cover all State Mandates $10,000 Accidental Death Coverage No Medical Underwriting – Guarantee Issue Vision Discount Program – National Vision Administrators Prescription Benefits Available • Express Scripts is the discount prescription vendor on both plans. Pre-existing condition clause does not apply to Pregnancy Plan policies are underwritten by American Sentinel Insurance Co. $100 Wellness Benefit Included
PREMIUM INFORMATION
Employee Only Employee + 1 Family
Monthly Premiums Basic Plan Enhanced Plan $111.24 per month $180.12 per month $213.20 per month $355.30 per month $313.14 per month $511.46 per month
Premiums are direct billed to the employee. Payments can be made through debit card, credit card or ACH Debit monthly.
FREQUENTLY ASKED QUESTIONS Why are there dollar limits on this plan? The American Sentinel Plan was not designed to replace a traditional health insurance plan, only to offer affordable coverage to individuals who otherwise wouldn’t be able to buy coverage. Can an employee be turned down for coverage? No, an eligible person cannot be turned down.
Can dependents be covered? Yes. Due to changes with Health Care Reform, dependents can now be covered to age 26, if the dependent is not eligible for another employer-sponsored health plan.
FREQUENTLY ASKED QUESTIONS (continued) Is there a pre-existing condition clause? Yes, a pre-existing condition is an injury or illness for which you have received medical advice, treatment, or incurred expenses within 6 months prior to your enrollment date. Preexisting conditions are covered after 12 continuous months from your enrollment date or after 6 continuous months of receiving no treatment and incurring no expenses for the condition. These periods may be reduced by any creditable coverage that you may have had with a previous employer-sponsored or individual insurance plan. No pre-existing limitation will be applied to pregnancy. Lastly, due to changes with Health Care Reform, the pre-existing clause will not apply to any enrollee that is under the age of 19.
Who do I contact with questions? Contact American Sentinel customer service at 1-800-692-7338 or you can email questions to
[email protected].
ENROLLMENT INFORMATION To Enroll in one of the Plans: Complete the Enrollment Packet. Packets are located in the Employee Services and Faculty Tabs of Campus Connect. You may also obtain an Enrollment Packet from your Regional Human Resources Department. Once the Enrollment Packet is complete, submit the completed forms to your Regional Human Resources Department within 31 days from your date of hire. Coverage becomes effective on the first day of the month following your completion and return to your Regional Human Resources Department of the appropriate paperwork, and the Regional Human Resources Department’s verification of eligibility. Employees must have an active assignment on the effective date of coverage.
CHANGE & TERMINATION INFORMATION To make changes to your Plan: Complete the Change Form located in the Employee Services tab on Campus Connect under College Benefits Website via Adjunct Faculty/Part-Time Employees Forms & Resources link. You may also obtain an Change Form from your Regional Human Resources Department. Once the Change Form is complete, submit the completed form to your Regional Human Resources Department. To Terminate your Plan: To cancel your coverage please notify Christine Butler by sending an email to
[email protected]. Your coverage will end at the end of the month coverage is canceled.
UPCOMING OPEN ENROLLMENT PERIOD An Open Enrollment period will be conducted September 2012.
OPEN ENROLLMENT Effective date of coverage for the Open Enrollment period will be October 1, 2012. Check with your local Human Resources Department for information on meeting dates and times.
