Medical Insurance

Human Resources

Affordable Care Act (ACA) >

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, 2023 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 CVS Caremark Prescriptions 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

Summary of Benefits and Coverage and Plan Booklets

Highmark First State Basic PPO
Highmark Comprehensive PPO
Aetna HMO
Aetna CDH Gold
Highmark Special Medicfill (Medicare Enrollees ONLY)

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits (i.e. health, dental, vision and Health Care FSA) provided through the University. These benefits can only be continued for limited periods of time under certain circumstances, such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce and other life events. COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of time of 18 months (for employee), 36 months (for dependent) or 29 months (if a qualified beneficiary is disabled).

Qualified individuals are required to pay the entire premium for coverage, up to 102 percent of the cost of the plan. If you are leaving the University or you or a covered dependent will be losing benefits for some reason, please send an email to hrhelp@udel.edu with the details of your situation.

The Livongo Diabetes Monitoring Program is available to employees, pensioners and their covered spouses and dependent children living with type 1 or type 2 diabetes who are enrolled in a Highmark Delaware health plan.

Individuals enrolled in a State of Delaware Aetna or Highmark Delaware non-Medicare health plan are automatically enrolled in Surgery Plus. This free benefit is a supplemental benefit for non-emergency, planned surgeries, which provides high-quality care, concierge-level member service and lower costs.