Managed Care Health Insurance

Employees have a choice of two health insurance plans, which are currently provided by Aetna. Employees must join one of these plans immediately upon employment. If you decline enrollment for yourself or your dependents because of other health insurance coverage, you may in the future be able to enroll yourself or your dependents under limited circumstances upon termination of the other coverage, provided that you request enrollment within 30 days after your other coverage ends. Employees who do not wish to participate in the health insurance plans offered by the College are required to sign a waiver stating that they are covered by another health plan. Please contact the Human Resources Office for information on the cost of all medical plans.

Employees may participate in only one of the plans at any time. Participants receive insurance identification cards for presentation to physicians and hospitals. The employee's share of the premium differs in accordance with the plan chosen, the employee's salary level, and whether they choose an individual or family policy. Employees who only work 10 months are expected to pay their share of the July and August premiums typically through additional payroll deductions during the months of May and June. All employees may switch among plans or join a health insurance plan one time each year during the open enrollment period.

Coverage may include the employee, the employee's spouse or eligible domestic partner (as defined by the College (available from Human Resources) and the insurance carriers) and the employee's dependent children (up to age 26). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement of adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the qualifying event.

• Point of Service (POS)
  This plan provides different levels of benefits depending on the providers you use. If you use in-network physicians or pharmacies, most services are fully covered after a co-payment. In-network hospitalizations and procedures are fully covered after meeting an annual deductible. If you use out-of-network doctors or hospitals, you must first pay a deductible before receiving 80% coverage of reasonable and customary hospital and physician charges. Prescriptions are covered in-network only with a co-pay. View summary of benefits»
• Exclusive Provider Organization (EPO)
  This plan uses a network of physicians and specialists in private practices and hospitals. The plan provides full preventive care and full coverage of physicians and prescriptions after a co-payment. Other medical and hospital care is fully covered after meeting an annual deductible and co-payment if applicable. All care must be through use of its member physicians and hospitals only. Prescriptions are covered after a co-pay. View summary of benefits»