Medical Insurance

Eligibility

Full and part-time benefit-eligible faculty, staff and retirees who meet University of Delaware age and service

Plan Administrator

Delaware Office of Statewide Benefits

Who Can Use this Benefit

Spouse, eligible dependent child(ren) up to age 26

Benefit

See a comparison of the plans.

Online information:

Prescription Drug Coverage

If you elect medical coverage, you are automatically enrolled in the prescription drug program.

 

Costs

The University pays 96% of the total cost of the First State Basic Plan, 95% of the total cost of Highmark Delaware CDH Gold or Aetna CDH Gold Plans, 93.5% of the total cost of for the Aetna or Highmark Delaware IPA/HMO Plans, and 86.75% of the total cost of the Comprehensive PPO Plan. Full-time faculty and staff who choose the “waive” option for health insurance, will receive $350.16/year (or $14.59 per pay) in UDollars. Grandfathered part-time employees with work schedules of less than 75% time (and 50% or more) receive a University contribution that is 60% of the full-time allocation and pay the cost remaining through pre-tax payroll deductions.

Spousal Coordination

All health insurance plans have a coordination of benefits requirement if your spouse works full-time, is eligible for medical coverage through his/her employer, and does not pay more than 50% of the premium for the least expensive employee only benefit plan available (flexible benefits and credits apply towards employer's contribution).

If your spouse is eligible and does not enroll in his/her employer's medical plan, the University coverage will pay only 20% of the eligible expenses normally covered.

Note: If a spouse obtains medical coverage through his/her employer, you may either continue or cancel University coverage for your spouse. You must notify Human Resources by completion of a Family and Benefit Status Change Form within 30 days of the effective date of the spouse's coverage with his/her employer.

Health Care Coverage

  Total Monthly Rate University Share Employee/Retiree Share
Highmark Blue Cross Blue Shield Delaware (HBCBSD) First State
Employee/Retiree $730.14 $700.94 $29.20
Employee/Retiree & Spouse $1,510.62 $1,450.20 $60.42
Employee/Retiree & Child(ren) $1,109.88 $1,065.48 $44.40
Family $1,888.34 $1,812.82 $75.52
Aetna CDH Gold
Employee/Retiree $755.66 $717.88 $37.78
Employee/Retiree & Spouse $1,566.84 $1,488.50 $78.34
Employee/Retiree & Child(ren) $1,154.54 $1,096.82 $57.72
Family $1,990.54 $1,891.00 $99.54
Aetna HMO
Employee/Retiree $762.24 $712.70 $49.54
Employee/Retiree & Spouse $1,607.12 $1,502.66 $104.46
Employee/Retiree & Child(ren) $1,166.06 $1,090.28 $75.78
Family $2,005.32 $1,874.98 $130.34
Highmark Blue Cross Blue Shield Delaware Comprehensive PPO Plan
Employee/Retiree $833.56 $723.12 $110.44
Employee/Retiree & Spouse $1,729.72 $1,500.52 $229.20
Employee/Retiree & Child(ren) $1,284.64 $1,114.42 $170.22
Family $2,162.38 $1,875.86 $286.52

 

Individual Medicare Supplements

(Retiree and/or Spouse, when Medicare eligible)

  Total Monthly Rate University Share Employee/Retiree Share
Highmark Blue Cross Blue Shield Delaware Special Medicfill WITH Prescription Coverage
Retiree and/or Spouse $482.36 $458.24 $24.12
Highmark Blue Cross Blue Shield Delaware Special Medicfill WITHOUT Prescription
Retiree and/or Spouse $273.46 $259.79 $13.67
Medicare Supplement plans are provided at no cost for UD retirees who retired on or before 7-1-2012.
HBCBSD Special Medicfill WITHOUT prescription is offered for Medicare participants enrolled in a separate Medicare Part D plan.

Health Care Coverage

Valid 9/1/15 - 6/30/16
  Total Monthly Rate University Share Employee/Retiree Share
Highmark Delaware First State Basic
Employee/Retiree $678.04 $650.92 $27.12
Employee/Retiree & Spouse $1,402.82 $1,346.72 $56.10
Employee/Retiree & Child(ren) $1,030.68 $989.46 $41.22
Family $1,753.58 $1,683.44 $70.14
Aetna CDH Gold
Employee/Retiree $701.74 $666.66 $35.08
Employee/Retiree & Spouse $1,455.04 $1,382.28 $72.76
Employee/Retiree & Child(ren) $1,072.16 $1,018.56 $53.60
Family $1,848.48 $1,756.06 $92.42
Highmark Delaware CDH Gold
Employee/Retiree $701.74 $666.66 $35.08
Employee/Retiree & Spouse $1,455.04 $1,382.28 $72.76
Employee/Retiree & Child(ren) $1,072.16 $1,018.56 $53.60
Family $1,848.48 $1,756.06 $92.42
Aetna HMO
Employee/Retiree $707.86 $661.84 $46.02
Employee/Retiree & Spouse $1,492.44 $1,395.42 $97.02
Employee/Retiree & Child(ren) $1,082.84 $1,012.46 $70.38
Family $1,862.22 $1,741.18 $121.04
Highmark Delaware IPA/HMO
Employee/Retiree $708.42 $662.38 $46.04
Employee/Retiree & Spouse $1,497.16 $1,399.84 $97.32
Employee/Retiree & Child(ren) $1,083.94 $1,013.48 $70.46
Family $1,867.94 $1,746.52 $121.42
Highmark Delaware Comprehensive PPO Plan
Employee/Retiree $774.08 $671.52 $102.56
Employee/Retiree & Spouse $1,606.28 $1,393.44 $212.84
Employee/Retiree & Child(ren) $1,192.98 $1,034.90 $158.08
Family $2,008.06 $1,742.00 $266.06

Health Care Coverage

New Rates Effective 7/1/16
  Total Monthly Rate COBRA @ 102%
Highmark Delaware First State Basic
Employee/Retiree $730.14 $744.74
Employee/Retiree & Spouse $1,510.62 $1,540.83
Employee/Retiree & Child(ren) $1,109.88 $1,132.08
Family $1,888.34 $1,926.11
Aetna CDH Gold
Employee/Retiree $755.66 $770.78
Employee/Retiree & Spouse $1,566.84 $1,598.18
Employee/Retiree & Child(ren) $1,154.54 $1,177.63
Family $1,990.54 $2030.35
Highmark Delaware CDH Gold
Employee/Retiree $755.66 $770.78
Employee/Retiree & Spouse $1,566.84 $1,598.18
Employee/Retiree & Child(ren) $1,154.54 $1,177.63
Family $1,990.54 $2030.356
Aetna HMO
Employee/Retiree $762.24 $777.48
Employee/Retiree & Spouse $1,607.12 $1,639.26
Employee/Retiree & Child(ren) $1,166.06 $1,189.38
Family $2,005.32 $2,045.43
Highmark Delaware IPA/HMO
Employee/Retiree $762.86 $778.12
Employee/Retiree & Spouse $1,612.20 $1,644.44
Employee/Retiree & Child(ren) $1,167.22 $1,190.57
Family $2011.46 $2051.69
Highmark Delaware Comprehensive PPO Plan
Employee/Retiree $833.56 $850.23
Employee/Retiree & Spouse $1,729.72 $1,764.31
Employee/Retiree & Child(ren) $1,284.64 $1,310.33
Family $2,162.38 $2,205.63

Health Care Coverage

Rates Effective 7/1/16     New Rates Effective 1/1/18
  Total Monthly Rate University Share Employee Share
Highmark Delaware First State Basic
Employee $365.07 $352.57 $12.50
Employee & Spouse $755.31 $742.81 $12.50
Employee & Child(ren) $554.94 $542.44 $12.50
Family $944.17 $931.67 $12.50
Aetna CDH Gold
Employee $377.83 $365.33 $12.50
Employee & Spouse $783.42 $770.92 $12.50
Employee & Child(ren) $577.27 $564.77 $12.50
Family $995.27 $982.77 $12.50
Highmark Delaware CDH Gold
Employee $377.83 $365.33 $12.50
Employee & Spouse $783.42 $770.92 $12.50
Employee & Child(ren) $577.27 $564.77 $12.50
Family $995.27 $982.77 $12.50
Aetna HMO
Employee $381.12 $368.62 $12.50
Employee & Spouse $803.56 $791.06 $12.50
Employee & Child(ren) $583.03 $570.53 $12.50
Family $1,002.66 $990.16 $12.50
Highmark Delaware IPA/HMO
Employee $381.43 $368.93 $12.50
Employee & Spouse $806.10 $793.60 $12.50
Employee & Child(ren) $583.61 $571.11 $12.50
Family $1,005.73 $993.23 $12.50
Highmark Delaware Comprehensive PPO Plan
Employee $416.78 $404.28 $12.50
Employee & Spouse $864.86 $852.36 $12.50
Employee & Child(ren) $642.32 $629.82 $12.50
Family $1,081.19 $1,068.69 $12.50