Medical Benefits

Among the things that make Stevens a great place to work is the university's commitment to providing a competitive staff total rewards program to support the universities mission to foster a culture of "excellence in all we do" and to attract, retain and reward outstanding staff who add to the intellectual vibrancy of our campus and help to propel the university to higher levels of achievement.

Are You Eligible?

Employees that work at least 30 hours in a regular full-time position are eligible to apply for benefits.

Eligible employees may add dependents to their benefits plan.

ELIGIBLE DEPENDENTS

REQUIRED DOCUMENTATION

Legal Spouse

Marriage certificate

Children (up to age 26)

Birth certificate, Adoption certificate, other qualifying paperwork

Benefits Coverage Period

Benefits coverage begins on the 1st of the month following date of hire, or the same day if hired on the 1st of the month. Coverage ends on the last day of the month following termination, or the same day if terminated on the last day of the month. 

DATE OF HIRE

COVERAGE BEGINS

DATE OF TERMINATION

COVERAGE ENDS

November 4 

December 1

June 19

June 30

November 1

November 1

June 30

June 30

Medical Plans

Plus and Core

The Plus and Core plans offers a range of physicians and facilities. Copayment, coinsurance, and deductibles (for certain services) are available for in-network preferred providers. Deductibles and coinsurance are available for out-network non-preferred providers. No referrals are required for the PLUS and CORE Plans. Certain preventive care, such as annual exams, well baby care and certain screenings are available with no cost sharing.

EPO Plan

The EPO Plan provides a managed network of physicians and facilities in which all care services must be rendered. A primary care physician (PCP) coordinates healthcare. No coinsurance, claim forms, or physical referrals are required. Certain preventative care, such as annual exams, well baby care and certain screenings are covered with no cost sharing.

HDHP with a Health Savings Account (HDHP) Plan

The HDHP has an annual deductible applicable to all services, except preventive care, before the plan pays 70% of eligible facility and prescription drug charges. Office visits and emergency room visits are subject to a co-payment after the deductible is satisfied. If you have family coverage, you must meet the family deductible before benefits are payable.

Plan Comparison Chart

 

CORE PLAN (IN-NETWORK) 

CORE PLAN (OUT-NETWORK)

PLUS PLAN (IN-NETWORK)

PLUS PLAN (OUT-NETWORK)

EPO PLAN (IN-NETWORK)

EPO PLAN (OUT-NETWORK)

HDHP/HSA PLAN (IN-NETWORK)

HDHP/HSA PLAN (OUT-NETWORK)

BENEFIT %

100%

70%

100%

80%

100% or 80%

Out-Network Services are Not Covered

100% or 70%

Out-Network Services are Not Covered

DEDUCTIBLES

$500 Single/ $1000 Family

$1000 Single/ $2000 Family

$250 Single/ $500 Family

$500 Single/ $1000 Family

$1000 Single/ $2000 Family

 

$1500 Single/ $3000 Family

 

OUT-OF-POCKET MAXIMUMS

$2000 Single/ $4000 Family

$4000 Single/ $8000 Family

$2000 Single/ $4000 Family

$2500 Single/ $5000 Family

$3500 Single/ $7000 Family

 

$3000 Single/ $6000 Family

 

OFFICE VISITS

Primary $25 Copay/ Specialist $50 Copay

70% after deductible

Primary $20 Copay/ Specialist $40 Copay

80% after deductible

$20 or $40 Copay

 

Primary $20 Copay/ Specialist $40 Copay after deductible

 

INPATIENT STAYS

100% after deductible

70% after deductible

100% after deductible

80% after deductible

80% after deductible

 

70% after deductible

 

OUTPATIENT SURGERIES

100% after deductible

70% after deductible

100% after deductible

80% after deductible

80% after deductible

 

70% after deductible

 

EMERGENCY ROOM VISITS

$100 Copay

$100 Copay

$100 Copay

$100 Copay

80% after $100 Copay

 

70% after deductible and $100 Copay

 

Prescription (Rx) Plan

Prescription Drug benefits are included in your medical plan election, for all plans. Prescription benefits will be administered through Cigna prescription partner, Express Scripts. The cost of the prescription drug plan is included with the medical premium.

 For information on quantity limits, step therapy and/or pre-certification requirements for certain prescription drugs, please visit the Cigna website or review the Cigna Standard 3 Tier Drug List below:

 

CORE

PLUS

EPO

HDHP

Retail (30 day supply)

$10 copay

$10 copay

$10 copay

70% after deductible

Mail Order (90 day supply)

$25 copay

$25 copay

$25 copay

70% after deductible

Specialty

$40 copay

$40 copay

$40 copay

70% after deductible

Cigna Healthy Awards Program

Cigna’s Healthy Awards Program rewards our employees who take active steps to ensure their health and wellness. Healthy awards can be applied toward out of pocket medical and vision expenses. Healthy awards will be applied at time of service at the pharmacy. For all other services, members will receive a check in the mail. You can find more information on Cigna’s Healthy Awards Programs on Cigna’s Website.

Program Highlights

Cigna provides monetary incentives for completion of the following:

PROGRAM/ACTIVITY

DEADLINE TO COMPLETE

AWARD

ELIGIBLE MEMBERS

Biometric Screening

4/30/2021

$100

Employees only

Health Risk Assessment

4/30/2021

$100

Employees and Spouses

Omada Diabetes Prevention Program

12/31/2021

$250

Employees and Spouses

Healthy Pregnancy Program

1st Trimester 2nd Trimester

$150 $75

Employees and Spouses

Lifestyle Management Program (smoking cessation, stress and weight management)

12/31/2021

$100

Employees and Spouses

Cigna Centers of Excellence (for orthopedic or heart surgeries)

12/31/2021

$300

Employees and Spouses