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

Health Plan Comparison Chart effective July 1, 2020

Health Plan Comparison Chart effective July 1, 2019

Online information:

• Highmark Delaware
• Aetna

Prescription Drug Coverage

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

• Non-Medicare Plan for active employees and non-Medicare Retirees
• Retirees and/or eligible dependents enrolled in Medicare

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.

• Spousal Coordination of Benefits
• Spousal COB Policy
  
• Spousal COB Chart
• UD Health Care Benefits Video