Benefits

Faculty, Academic Staff & Support Staff

Summary of 2008 Enrollment Information Community Blue PPO Physicians Health Plan (PHP) Blue Cross Blue Shield of Michigan Transition Plan (BCBSM) Caremark Prescription Drug Plan Health Plan Cost Sharing Health Plan Waiver Payments MSU Health Plan Coverage for 23-25 year old Dependents Spouse or MSU Recognized Same-sex Domestic Partner Access to MSU Health Plan Coverages Termination Date of MSU Health Plan Coverage	More About 2008 Benefits Open Enrollment Health Plan Comparison Make Open Enrollment Changes Online Open Enrollment 2008 FAQ
Community Blue PPO: Community Blue will continue to be offered as a health plan option. All active employees who elect this coverage will contribute the difference in premium cost between Community Blue PPO and PHP.
Physicians Health Plan (PHP): Physicians Health Plan will continue to be offered as a health plan option.  This year, the lowest cost plan will be PHP.
Blue Cross Blue Shield of Michigan Transition Plan (BCBSM): This plan is only available to employees when there is a mix of Medicare and non-Medicare enrolled family members on the plan or when there is a sponsored dependent rider with Medicare.
Prescription Drug Plan (Caremark): Caremark will continue to provide pharmacy benefit management services to MSU. Enrollment is automatic upon selection of a health plan. As a reminder, prescription drug co-pays are: Rx Tier Type Retail 34-Day Supply Mail 90-Day Supply 1 Generic $10 $20 2 Brand Preferred (Formulary) $20 $40 3 Brand Non-Preferred (Non-Formulary) $40 $80 4 Bio-Tech Drugs (new tier) $50 $100 When a non-formulary brand (brand non-preferred) prescription is prescribed and there is no other formulary equivalent, the formulary brand (brand preferred) co-pay will apply. If you have any questions regarding which drugs are covered under the new bio-tech drug tier, please contact Caremark at 1-800-565-7105. An annual $1,000 single and $2,000 family maximum limit for employee out-of-pocket payments will apply per calendar year. Co-pays for prescriptions filled according to a "Dispense as Written " physician order will be consistent with the drug dispensed, regardless of whether or not a generic equivalent is available.
Health Plan Cost Sharing: For Full-Time Faculty: Full-time faculty will contribute a total of 14 % toward the premium cost of the health plan in which they enroll. For those enrolled in Community Blue PPO or BCBSM Transition,  the 14 % premium contribution plus the premium cost difference between Community Blue PPO or BCBSM Transition and PHP will be deducted on a pretax basis. The employee monthly premium contributions will be as follows: Full-Time Faculty With No Family Members Enrolled in Medicare: Coverage Tier Community Blue - PPO Physicians Health Plan (PHP) Employee Only $54.05 $46.41 2 Person $113.50 $97.47 Family $132.38 $113.72 Full-Time Faculty Where Some Family Members Are Enrolled in Medicare: Coverage Tier Blue Cross Blue Shield of Michigan Transition Physicians Health Plan (PHP) 2 Person, 1 with Medicare $50.46 $245.92 Family, 1 with Medicare $68.37 $247.90 Family, 2 with Medicare $66.73 $139.16 For Full-time Support Staff: Full-time support staff electing Community Blue coverage will contribute the premium cost difference between Community Blue and the lower cost plan for which they are eligible. The employee monthly premium contributions will be as follows: Full-Time Support Staff With No Family Members Enrolled in Medicare: Coverage Tier Community Blue - PPO Physicians Health Plan (PHP) Employee Only $7.64 -0- 2 Person $16.03 -0- Family $18.66 -0- Full-Time Support Staff Where Some Family Members Are Enrolled in Medicare: Coverage Tier Blue Cross Blue Shield of Michigan Transition Physicians Health Plan (PHP) 2 Person, 1 With Medicare -0- $193.68 Family, 1 With Medicare -0- $179.53 Family, 2 With Medicare -0- $72.43
Health Plan Waiver Payments: The health plan waiver payments of up to $600 per year will continue to be paid to employees who opt out of MSU health plan coverage. Note: Employees and spouse or MSU recognized same-sex domestic partner who are both employed at MSU are not eligible for the waiver payment.
Spouse or MSU Recognized Same-sex Domestic Partner Access to MSU Health Plan Coverages: You MUST participate in online Open Enrollment by May 12, 2008 in order to maintain MSU health coverage for your spouse or MSU recognized same-sex domestic partner, who is not employed by MSU. If you do not cover a spouse or MSU recognized same-sex domestic partner and do not wish to make benefit changes, you are not required to participate in Open Enrollment. To be covered by an MSU health plan, spouses or MSU recognized same-sex domestic partners of MSU employees who have access to coverage elsewhere must purchase single coverage through their own employer if his/her annual premium contribution toward that coverage is $800 or less.
MSU Health Plan Coverage for 23-25 year old Dependents: Coverage for dependents will cease at the end of the calendar year they turn age 23. Employees may purchase continued coverage for these dependents through a plan rider or COBRA, in accordance with applicable eligibility criteria, by contacting MSU Human Resources Benefits. However, for those dependents covered as of 7/1/02 and who reached age 24 or 25 prior to January 1, 2003, coverage may continue until the end of the calendar year they turn age 25.
Termination Date of MSU Health Plan Coverage: Health and dental plan coverage will cease at the end of the month in which a leave of absence, layoff, or employment termination is effective (for reasons other than official retirement).