Health Benefits

• Each employee has the option of enrolling in any of the health plan options within sixty (60) days of his/her employment date. Otherwise, the employee will have an opportunity to join any of the options during the annual Open Enrollment Period in October, with benefits commencing in January of the following year.
• Employees enrolling dependents under health care options must provide verification of eligibility, i.e., birth certificate copy for dependent(s) and a tax affidavit, and an official marriage license for the spouse.
• Two types of medical plans are available: Preferred Provider Organization (PPO) plan, and the Exclusive Provider Organization plan (The EPO plans replaced HMO plans and include the availability of a national network of physicians).
• Each medical plan (PPO, or EPO) offers a standard set of benefits, including mental health/substance abuse benefits and vision care services.
• Two dental plans are available: Delta Dental (DHMO) and United Concordia (DPPO) plans.
• Dependents of eligible State employees who are enrolled in a health plan are entitled to receive benefits until the end of the calendar month in which they turn age 26. The onset of disability must have occurred before the child reaches age 26.
• Contractual employees may enroll in any of the medical and health benefits plans within sixty (60) days of their initial contract with the University. The medical and prescription plans are subsidized for full-time contractual employees working 30 hours or more a week and have at least a three-month contract. Otherwise, the employee will have an opportunity to enroll during Open Enrollment. Contractual employees are responsible for the monthly employee voucher payments once enrolled in health benefits. Enrollees are billed directly for payment and may pay online or via check or money order.

• Provides a contracted panel of dentists to render dental services.
• This plan covers preventive dentistry, prosthetic dentistry, and orthodontics.
• One option offered: the DPPO (Dental Preferred Provider Organization) plan, which allows for dental services in network and out-of-network and a maximum benefit. No adult orthodontia care.

• Provides a contracted panel of dentists to render dental services.
• This plan covers preventive dentistry, prosthetic dentistry, and orthodontics.
• One option offered: DHMO (Dental Health Maintenance Organization) which allows for dental services with in-network providers.
• Payments once enrolled in health benefits. Enrollees are billed directly for payment and may pay online or via check or money order.

• Maximum benefits are received when you use a network pharmacy for the State of Maryland.
• Both generic and name brand drugs are covered under the plan, however, the employee must meet a co-payment of either, $10.00 and $25.00 and $40.00, respectively.
• A mail-order option is available.

• Employees have a partially reimbursable vision care plan where such services as an eye exam, lenses, and frames are available once a year. Vision care benefits are included through the medical plans only.
• The employee may secure claim forms through the medical plan and may either file a claim for partial reimbursement or, if, the provider agrees, to assign his/her benefits to the provider.

• Term life insurance is purchased with pre-tax premium dollars up to $50,000 in coverage.
• Employee coverage levels over $50,000, up to a maximum of $300,000, can be purchased with post-tax premium dollars. The completion of a medical review application and a physical examination are required.
• Dependent coverage is available up to 50% of the employee's coverage level.

• The plan provides benefits in a certain percentage of the principal benefit amount in a lump sum payment to employees who experience paralysis and/or dismemberment (loss of sight, hearing, or limbs). The beneficiary will receive the full benefit in the event of the employee's death as a result of an accident.

  • Three benefits levels are available: $100,000, $200,000 or $300,000.

• Employees contribute pre-tax money to either the health care or dependent care flexible spending accounts for twenty-four (24) pay periods. Nineteen (19) pay periods if a faculty member is on a 21-pay schedule.
• Medical and dental expenses (maximum of $2850 annually) or dependent care expenses (maximum of $5000 annually) are reimbursable.
• Spending accounts will lower your taxable income.