MSU Human Resources >> Benefits >> Healthcare >> Employee Health Care FAQs


Employee Health Care FAQs

Deductibles

A deductible is a set dollar amount that enrollees must pay out-of-pocket toward certain health care services before insurance starts to pay.
The BCN in-network deductible for the calendar year (January through December) is $100 per individual or $200 per family. The BCN out-of-network deductible is $500 per individual or $1,000 per family. These deductibles apply to all BCN enrollees.

The Community Blue PPO plan does not have an in-network deductible requirement for support staff. The faculty and academic staff in-network deductible for the calendar year (January to December) is $100 per individual or $200 per family. The Community Blue PPO out-of-network deductible is $250 per individual or $500 per family. The out-of-network deductible applies to all Community Blue enrollees.

Health Plan Employee Contributions

For Full-Time Faculty: Eligible full-time faculty, academic staff and executive management who enroll in the Blue Care Network (BCN) will contribute 14% of the premium cost. Contributions paid through payroll deduction, will be taken on a pre-tax basis. For those enrolled in the Community Blue health plan, a 14% employee premium contribution plus the difference between BCN and the Community Blue coverage will be deducted on a pre-tax basis. For more details please review the health plan contribution rates in the Employee Open Enrollment Guide.

For Full-time Support Staff: Eligible full-time support staff who enroll in BCN will not contribute toward the premium cost of this plan. Those electing Community Blue coverage will contribute the premium cost difference between BCN and the Community Blue coverage. Contributions paid through payroll deduction will be taken on a pre-tax basis. For more details please review the health plan contribution rates in the Employee Open Enrollment Guide.
Yes, you may wish to consider covering the entire family on one plan to reduce the amount of your employee premium contributions.

Access to MSU Health Plan Coverage for Spouse or Other  Eligible Individual (OEI)

Yes. If your spouse is not an MSU employee, the Health Plan Affidavit for Spouse/OEI needs to be completed every year in order for your spouse to remain on your health insurance plan.
  • Complete a Health Plan Affidavit for Spouse/OEI through the enrollment process.
  • If the spouse/OEI is eligible to purchase single health plan coverage for $1,200 or less, the spouse/OEI MUST enroll in their employer’s health coverage.
  • Complete a Health Plan Affidavit for Spouse/OEI through the enrollment process.
  • If the cost for purchasing single health plan coverage to the spouse/OEI is more than $1,200, the spouse/OEI DOES NOT have to enroll in their employer’s health coverage.
  • Complete a Health Plan Affidavit for Spouse/OEI through the enrollment process..

Employees with a spouse or Other Eligible Individual (OEI), who do not work at MSU, and who DO NOT have access to other health plan coverage still need complete a Health Plan Affidavit for Spouse/OEI every year in order for the your spouse to remain on your health coverage.
During the next available open enrollment period for their employer's health plan.

Health Plan Waiver

Health plan waivers can be requested within 30 days being hired, becoming newly eligible or if you have a mid-year qualifying event.
  • To complete waiver go to EBS Portal.
  • Log in with your MSU NetID and password and complete two-factor authentication.
Note: The health plan waiver option is not available when an MSU employee and his/her spouse or Other Eligible Individual are both employed at MSU.

Eligibility

Health plan coverage (including prescription drug coverage) will end at the end of the month of layoff or employment termination for reasons other than official retirement. You may qualify to continue your MSU health plan coverage through COBRA. Contact MSU Human Resources for more information on benefits continuation options.

CVS Caremark Prescription Drug Plan

No. If you are enrolled in any of the MSU health plans, you'll automatically be covered by the CVS Caremark prescription drug plan.

 

©