Medical Insurance


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


Health Plan Comparison Chart effective July 1, 2023

Online information:

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


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.

Summary of Benefits and Coverage and Plan Booklets

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 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.