Indiana University Peer Institution Benefits Comparison July 2009 Health Care Plans
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1 Indiana Peer Institution Benefits Comparison July 2009 Summary of comparison with Big 10 universities and/or large employers: Most IU peers also provide healthcare benefits to part time employees (IU provides medical benefits to full time employees, defined as working 40 hours per week) Most IU peers provide employees with multiple medical plan options, with access to a broad selection of preferred provider type plans are the most prevalent option across peer employers Most Big 10 universities have lower deductibles and co pays Median annual deductible for large employers across U.S. equals $300 per member and $800 family maximum Median annual deductible for governmental employers equals $250 per member and $500 family maximum Median annual out of pocket maximum for large employers equals and $1,500 for governmental employers (IU s annual out of pocket maximums equal $2,400 for the $900 Plan and for the HDHP
2 Indiana Peer Institution Benefits Comparison July 2009 Peer Institution Type of Plan Total Premium Contribution Employee Contribution HSA ER Contr Annual Deductible Office Visit Copay Annual Out of Pocket Maximum Retail Rx Copay Amount Retiree Contributions Michigan State $386.07/ EE $ / $ / EE $ / $ / EE $ / $ / EE $ / $54.05 / EE $ / Note: Premiums listed are for faculty. Professional and Support Staff pay $46.41 / EE $ / Note: Premiums listed are for faculty. Professional and Support Staff pay less premium. $0 (In $250 per member/$500 per family per calendar year (Out of $0 (In $500 per member/$1,000 per family per calendar year (Out of $15 (In 80% after deductible $15 (In 80% after deductible $10 Generic $20 $40 Non $50 Bio Tech $10 Generic $20 $40 Non $50 Bio Tech The contributes to the lowest cost health plan's single rate for which the retiree is eligible. At retirement, the employee must designate whether they receive the contribution or whether the contribution is to be split 50/50 between the employee and his/her spouse or other eligible individual. Ohio State $ / EE $1, / $ / EE $1, / $72.41 / EE $ / $20 (In $35 specialist (In No out of network coverage per per family No plan offered through university thus no 30% coinsurance up to contributions. However, $60 / retirees may be eligible for 50% coinsurance no max / some health care benefits Non through the retirement plan they are enrolled in. Penn State $ / EE $1, / $ / EE $810 / $72.32 / EE $ / $0 (In $500 per member/$1,000 per family per calendar year (Out of $10 (In 80% after deductible per per family 50% coinsurance / Generic 50% coinsurance / 70% coinsurance / Non
3 Indiana Peer Institution Benefits Comparison July 2009 Purdue $ / EE $1, / $ / EE $1, / $21.83 / EE $69.58 / $400 Individual/$800 (In $800 Individual/$1,600 (Out of 10% (In 40% after deductible $1,800 individual/$3.600 family (In $3,600 individual/$7,200 20% / Generic 30% / Preferred 50% / Non Preferred of Iowa POS $ / EE $1, / $ / EE $1, / $ / EE $1, / $ / EE $1, / Varies based on flexible credits earned by employees. Employees with more credits pay less premium contributions. $1,200 single/$3,600 all other coverage levels $10 ( Clinic) $15 (POS In 40% coinsurance 10% co insurance after $1,200 deductible $1,700 individual/$3,400 family (In $4,200 single/$8,400 all other coverage levels $0 / Generic 30% coinsurance / 50% coinsurance / Non 10% co insurance after $1,200 deductible ( 0% co insurance for generic medications; Members reimbursed after submission to Rx Administrator) NOTE: If, when the employee retired, they were at least age 62 with 10 years of service, or retired at age 57 or later as part of an Early Retirement Plan, the contributes towards Retiree medical plans (premium is reduced by $199/month) of Michigan $ / EE $ / EE $ / $$1, / $ / EE $1, / $ / EE $ / $99.36 / EE $ / $90.52 / EE $ / $15 (In $15 (In 50% copay (Out of $5,000 Individual/$10,000 $15 / Name $30 / Non preferred $15 / Name $30 / Non preferred Retirees who were hired on or after July 1, 1988 pay the full cost of benefits up to the first of the month following the month they turn age 62. After this the pays a portion of the monthly premium.
4 Indiana Peer Institution Benefits Comparison July 2009 $ / EE $ / $ / EE $ / $32.60 / EE $ / (In $500 Individual/$1,000 (Out of $10 (In (Out of Individual/$4,000 (In and Out of Network combined) $20 / $35 / Non of Minnesota $ / EE $ / $ / EE $ / $41.30 / EE $ / (In $500 Individual/$1,000 (Out of $25 (In (Out of Individual/$4,000 (In and Out of Network combined) $20 / $35 / Non HDHP $ / EE $ / $ / EE $ / $22.90 / EE $97.90 / Employer will contribute $1,000 to the HSA for employee coverage and for family coverage. $1,500 per employee/$3,000 per family (In and Out of Network combined) 10% after deductible (In (Out of Individual/$5,000 (In and Out of Network combined) Includes the deductible 10% after deductible $373 / EE $1,500 $269 / EE $104 / EE $300 Individual/$600 $25 (In Network and $30 / Preferred Individual/$3,000 $1,088 / $307 / $307 / (In Out of $60 / Non Preferred (In $335 / EE $1,100 / $310 / EE $1,018 / $25 / EE $82 / $500 Individual/$1,500 (In and Out of Network combined) $25 (In Network and Out of $1,500 Individual/$4,500 (In $3,000 $30 / Preferred $60 / Non Preferred Northwestern HDHP $295 / EE $971 / $285 / EE $938/ $10 / EE $33 / Employer will match employee contributions up to $1,400 for employee coverage and $2,800 for family coverage. $1,400 Individual/$2,800 (In and Out of Network combined) (In 40% after deductible (Out of Individual/$6,000 (In $4,000 Individual/$12,000 (Out of
5 Indiana Peer Institution Benefits Comparison July 2009 of Chicago $568 / EE $1379 / $473 / EE $1175 / $95 / EE $204 / $250 individual/$600 family (In $250 individual/$600 family (Out of 20% (In 35% (Out of Based on salary (range listed below): $1,000 individual/ family $4,000 individual/$8,000 family $20 / Preferred $35 / Non Preferred $392 / EE $1176 / $354 / EE $1064 / $38 / EE $112 / $10 (In $15 / Preferred $30 / Non preferred of Wisconsin $ / EE $2, / $ / EE $2, / $164 / EE $412 / $100 individual/$200 family (In $500 individual/$1000 $0 after deductible (In (Out of $100 individual/$200 family (In $5 / Tier 1 $15 / Tier 2 $35 / Tier 3 of Illinois $ / EE $ / EE $31 / EE $1, / $1, / $78 / $541.36/ EE $ / EE $54.50 / EE $ / $650.36/ $ / OAP (POS) QCHP $541.36/ EE $ / $ / EE $ / $ / EE $650.36/ $ / EE $ / $54.50 / EE $ / $79.50 / EE $ / No deductible $0 In Network $300 per enrollee (Out of Based on salary (Range below): $300 $450 per individual $750 $1,125 per family $15 copay $15 copay (In 20% copay (Out of 10% copay In Network $1,500 individual/$3,000 $1,200 individual / $3,000 family (In $4,400 individual / $5 / Tier 1 $15 / Tier 2 $35 / Tier 3 $24 / Preferred $48 / Non Preferred $24 / Preferred $48 / Non Preferred $24 / Preferred $48 / Non Preferred 20 years or more of creditable service: paid Less than 20 years of creditable service: Retiree required to pay a percentage of the cost of the basic coverage.
6 Indiana Peer Institution Benefits Comparison July 2009 $ / EE $1, / $ /EE $1, / $5.00/EE $39.74/ $900 individual/$2,700 (In $900 individual/$2,700 (Out of 10% after deductible (In (Out of $2,400 individual/$6,700 (In $2,400 individual/$6,700 $20 / Low Cost $40 / High Cost Indiana POS $ / EE $1, / $ / EE $1, / $5.00/EE $76.42/ No deductible In Network $500 individual/$1,000 $25 (In (Out of individual/$5,000 family (In $5,000 individual/$10,000 $8 / generic $20 / brand $40 / Non formulary brand HDHP $ / EE $949.75/Fa mily $ / EE $ / $5.00/EE $10.00/ Employer will contribute $250 to the HSA for employee coverage and $500 for family coverage. $1,150 EE /$2,300 (In $2,300 individual/$4,600 (Out of (In 40% after deductible (Out of individual/$5,000 family (In $5,000 individual/$10,000 20% copay after deductible
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