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415 West 6th Street
Moscow, ID 83844-4332
Phone: (208) 885-3697
Toll Free: (800) 646-6174
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Benefit Plan Changes

To comply with the Health Care Reform law as well as maintain quality healthcare solutions for eligible employees, the University will be implementing few benefit plan changes for 2014. Be sure to visit the link below and check out the video on this page for more information on healthcare reform and the Non-Board Appointed Employee Medical Plan. 


  • Standard PPO
    If you plan to enroll in the PPO Medical Plan, you should know about some important changes to your deductible, out-of-pocket maximum and prescription drug coverage.

    Lower medical family deductible

    The medical deductible for family coverage is going down to $800 in 2015. This means you pay the full cost of most medical services until you spend $800. Once you reach that amount, your coinsurance benefits kick in and the University covers the majority of your
    medical expenses, around 80 percent for most services. You will still be responsible for copays, like the $25 copay when you visit your doctor.

    Lower medical family out-of-pocket maximum

    The family medical out-of-pocket maximum will also be lower in 2015. It’s going down to $7,200. This is your safety net on the plan, which means once you pay $7,200, plus the deductible, the University pays the full cost of covered medical expenses for the rest of the plan year.

    Standard PPO Medical Plan

      Out-of-Pocket Maximum
    Deductible
    Individual
    $3,600
    $400
    Family
    $7,200
    $800

    New prescription drug out-of-pocket maximum

    Both individuals and families will also have a separate out-of-pocket maximum for prescription drugs in 2015. For individuals, it is $2,475 and for families, it is $4,950. Like the medical out-of-pocket maximum, once you pay the prescription drug out-of-pocket
    maximum, plus the deductible, the University pays the full cost of covered prescription drug expenses for the rest of the plan year.

    Prescription drug out-of-pocket maximum

      Out-of-Pocket Maxiumum
    Deductible
    Individual
    $2,475
    $125
    Family
    $4,950
    $250


  • High Deductible Health Plan (HDHP)
    If you enroll in the High Deductible Health Plan with an HSA, you also have some important changes in 2015 to both your prescription drug coverage and the amount you can contribute to your HSA.

    Free approved preventive drugs

    If you need to take a preventive drug to manage conditions like high cholesterol or high blood pressure, you will pay nothing for approved preventive drugs. The University believes it is important to make it easier for people on a high-deductible plan to take these medicines so your conditions don’t worsen and cost you more. You can find a complete list of approved preventive drug medications on the CVS Caremark website, www.caremark.com.

    Higher HSA contribution amounts

    The combined amount both you and the University can contribute to your Health Savings Account in 2015 is going up. In 2015, individuals can contribute $3,350 and families can contribute $6,650. The University contribution is not changing. It will still contribute 50 cents for every dollar you contribute up to $500 for individuals and $1,000 for families. Remember, you must select your HSA contribution amount each year you enroll in the HDHP. Your contribution elections are not renewed.

    If you enroll for … 2015 HSA Contribution Amounts
     You may save
    up to …
    The University will contribute up to …
    Employee Only coverage $2,850
    (Contribute $1,000 to receive the full University matching contribution)
    $500
    ($0.50 for every $1.00 contributed)
    “Family” coverage in one of the following coverage tiers:
    – Employee + Spouse or Other Eligible Adult*
    – Employee + Child
    – Employee + Children
    – Employee + Spouse + Child(ren)
    $5,650
    (Contribute $2,000 to receive the full University matching contribution)
    $1,000
    ($0.50 for every $1.00 contributed)
    If you are age 55 or over in 2015, you can save an additional $1,000 in catch-up contributions.
    *An individual on a family plan with an Other Eligible Adult may contribute up to $5,650, however
    Employee HSA funds may not be used for an Other Eligible Adult as they do not qualify as tax dependents
    under current federal tax law. However, an Other Eligible Adult may open their own HSA account.

Health Savings Account Info

Information about the Health Savings Account including eligibility, contributions and university matching. More

What's New for 2015

A summary of what's new for your benefits in 2015, including changes in deductibles, out-of-pocket maximums and opting out of certain coverage. More

Find out which preventative medicines are covered under the High Deductible Health Plan (HDHP). More