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Insurance

Health Insurance

Effective: 1st of the month after commencement of employment

Major medical coverage is available for full-time employees (as defined by the Affordable Care Act) and is effective on the first day of the month following full-time employment. This coverage is currently provided by a self-funded plan, the Moberly Area Community College Health Plan, which utilizes the HealthLink Open Access III provider network. Benefits are based on whether the provider is in-network or out-of-network. Two options are available: the Base Plan and the HSA plan. On the Base plan, the copay for an in-network office visit is $30 HMO, $40 PPO; copayments for prescriptions are $15 for generics, $25 for brand names, and $40 for non-formulary medications. The in-network deductibles are $750 HMO, $1,000 PPO. Once deductibles are met, the plan pays 80%. On the HSA plan, the in-network deductible is $3,000 and the plan pays 100% after the deductible is met. For more information, see the applicable schedule of benefits.

 

2016 Schedule of Benefits - Base Plan
2016 Schedule of Benefits - HSA Plan
     Health Savings Account (HSA) Information
2016 Rate Schedule
Precertification Requirements
Preventive Services

2016 Summary of Benefits and Coverage—Base Plan
2016 Summary of Benefits and Coverage—HSA Plan
myMeritain.com
LDI Prescription Benefit Services
Provider Network (Healthlink Open Access III)

 

 

Life Insurance (Basic)

Effective: 1st of the month after commencement of employment

All Full-time employees are enrolled for a life insurance benefit of $20,000 and an accidental death and dismemberment benefit of $20,000.

 

Life Insurance (Voluntary)

Effective: 1st of the month after commencement of employment

Full-time employees may elect coverage provided by Cigna for additional life insurance benefits in $25,000 increments up to $150,000 guaranteed issue. Coverage may also be elected for up to $50,000 for a spouse and up to $10,000 for children. AD&D coverage in corresponding amounts may also be elected.

 

Long-term Disability

Effective: 1st of the month after commencement of employment

Full-time employees may elect coverage provided by Cigna for full or partial disability lasting longer than 90 days.

 

Short-term Disability

Effective: 1st of the month after commencement of employment

Eligible employees may elect coverage through Aflac that pays benefits for full or partial disability lasting less than 90 days.

 

Dental Insurance

Effective: 1st of the month after commencement of employment

Full-time employees and their families may elect coverage provided by Cigna using the Cigna DPPO dental network. Preventative services are covered at 100% of UCR, Basic and major services are covered at 80% and 50% respectively, with a $50 per year, per person deductible (maximum deductible of $150 per family).

2016 DENTAL PREMIUMS (MONTHLY)

Coverage and claim information can be found at www.mycigna.com.

Flex Plan participants can only make changes to their coverage at the beginning of the plan year or if there is a qualifying event.

 

Vision Insurance

Effective: 1st of the month after commencement of employment

Full-time employees and their families may elect coverage provided by Cigna using the VSP network. When utilizing the VSP network, the plan pays for eye exams and glasses with $10 copays for each. Out of network services are reimbursed up to specified limits. If elected instead of glasses, contact lenses, including the exam, are paid up to $120 every 12 months.

2016 VISION PREMIUMS (MONTHLY)

Coverage and claim information can be found at www.vsp.com

 

Long-Term Care Insurance

Effective: 1st of the month after policy is issued, after 6 months of employment.

Full-time employees and their families may elect a coverage plan provided through LTC Financial Partners, LLC, the policies are underwritten by United of Omaha Insurance Company.

For an overview and explanation of our Long-Term Care Benefit view our online newsletter – Long-Term Care Today.

 

Accident Insurance

Effective: 1st of the month after commencement of employment..

This is an accident only insurance policy providing limited benefits, including an annual wellness screening benefit and a death benefit if death is as a result of and occurs within 365 days an accidental injury. For covered accidental injuries, fixed benefits are paid directly to you regardless of any other coverage you may have. Coverage is available for dependents and is provided by Aflac.

Flex Plan participants can only make changes to their coverage at the beginning of the plan year or if there is a qualifying event.

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Critical Illness Insurance

Effective: 1st of the month after policy is issued.

This insurance pays a fixed benefit upon initial diagnosis of a covered critical illness up to $50,000, depending on the amount of coverage elected. Covered illnesses include heart attack, heart failure, stroke, blindness, major organ failure, end stage kidney disease, and invasive cancer. This includes an annual wellness screening benefit and coverage is available for dependents. Coverage is provided by Aflac.

Hospital Indemnity Insurance

Effective: 1st of the month after commencement of employment.

This insurance provides benefits for hospital admissions/confinements, emergency room visits, out-of-hospital prescription drug, and well-baby care. Coverage is provided by Aflac.