Your Medical Plans

 Medical Mutual partnering with Kent State continues to offer quality, affordable and competitive health care benefits that support a commitment to you and your family's health and wellness. 

 

What is a Healthcare Comparison Modeler?

The Healthcare Comparison Modeler is a tool to assist benefits-eligible employees in comparing the healthcare plans offered by Kent State University.  This tool is only meant to be used as a guide as you determine which plan may be the most cost-effective for you and your family.  

Contact University Benefits for questions about any of the healthcare plans offered by calling 330-672-3107 or email benefits@kent.edu.

Healthcare Comparison Modeler (Excel)

What are the coverage points for the 85/60 medical plan?

 

 

The 85/60 PPO plan is an option for all full-time benefit-eligible employees.  As with all our medical plans, your premium still includes your prescription and vision benefits.  Preventive care is covered 100% with in-network providers at NO COST to you. (ie: annual exams, immunizations, preventive screenings, preventive medicines).  This "preventive clause" is part of the Affordable Care Act design which is considered "non-grandfathered".   The coverage highlights for the 85/60 medical plans are as follows:

 

  • Deductible for in-network providers: $300 for single coverage and $600 for family coverage.
  • Coinsurance for in-network providers:  15%
  • Out of Pocket Maximum for in-network providers:  $1,500 for single coverage and $3,000 for family coverage.
  • Preventive Services (PDF)

 

What is a High Deductible Health Plan (HDHP)?

 

The High Deductible Health Plan is an option for all full-time benefit-eligible employees (including bargaining unit members) to choose.  Don't forget, along with the election of a High Deductible Health Plan, a Health Savings Account will be created and Kent State will contribute $1,100 or $2,000, at the start of a new plan year, to your Health Savings Account according to your selection of single vs family plan.  NOTE:  As a newly hired employee, the employer contribution will be prorated as the year continues.

 

As with all our medical plans, your premium still includes your prescription and vision benefits.  Preventive care is covered at 100% with in-network providers at NO COST to you.  This "preventive clause" is part of the Affordable Care Act design which is considered "non-grandfathered". The coverage highlights for the high deductible plans are as follows:

 

  • Deductible for in-network providers:  $2,700 for single coverage and $5,400 for family coverage.
  • Coinsurance for in-network providers: $0.00
  • Out of Pocket Maximum for in-network providers:  $2,700 for single coverage and $5,400 for family coverage.
  • Employer contribution to your health savings account (HSA) of $1,100 for single coverage and $2,000 for family coverage effective at the first of the year!
  • Preventive Care Services (PDF)

 

How does a High Deductible Health Plan (HDHP) work with my prescription coverage with CVS/Caremark?

 

Your HDHP requires you to pay the full negotiated cost for your care until you reach your deductible for most health care expenses, including most prescription medications. After you meet the deductible, you pay only the coinsurance and your plan pays the rest. If you are enrolled in an HDHP, using medications on the preventive drug list will reduce your cost for select prescriptions that help prevent chronic health conditions when taken regularly. If you take medications on the preventive drug list, you will pay only the copay or coinsurance for these medications even if you have not yet met your annual plan deductible.  After the deductible is met, your co-insurance for prescriptions will be 10% for generic prescriptions, 20% for brand name prescription when a generic is not available, and 40% for a brand name when a generic is available.  For more information regarding prescription costs, please visit our prescription page.

 

 

 

For rates and forms for the following, visit our HR Forms Library.

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