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The University offers comprehensive medical, prescription drug and vision coverage. The University pays
a percentage of the premium cost for single coverage and employee/dependent coverages; employee shares may be paid free of federal income tax. If you have coverage elsewhere, you may elect not to participate in the medical plan.
Coverage for full time staff/faculty is effective immediately on the first day
of the month following the first day of work, unless otherwise noted.
Your medical plan choices are: a health maintenance organization (HMO), a direct point-of-service (DPOS), or a
preferred provider organization (PPO).
Health Maintenance Organization (HMO)
The University currently offers membership in the Keystone Health Plan East Flex HMO. An HMO provides a wide range of health care
coverage through an organized network of physicians and hospitals. You are required to select a primary care physician (PCP) to guide your care.
Under the HMO plan, most services are paid at 100% with no deductibles or
100% after a small co-payment for physician visits. Referrals from the PCP are
required for specialist visits.
You can review the Welcome Kit for the Health Maintenance Organization (HMO) plan by clicking here.
Direct Point of Service (DPOS)
The Keystone Direct POS plans provides you in and out of network benefits and allows you to select your own doctors and hospitals.
You must select a primary care physician (PCP) from the Keystone network but can utilize most services in-network or out-of-network without a referral.
Referrals are required for certain services including routine X-rays, podiatry, spinal manipulation, and physical and
occupational therapy.
You can review the Welcome Kit for the Direct Point of Service (DPOS) plan by clicking here.
Preferred Provider Organization (PPO)
The Independence Blue Cross Personal Choice Flex Plan PPO plan utilizes a network of doctors and hospitals. A PPO offers a high level of benefits when services are provided by a participating physician or hospital within the network. Higher costs are incurred when services are provided outside the network. A PPO differs from an HMO, in that you are NOT required to choose a primary care physician (PCP) or obtain a referral to see a specialist.
You can review the Welcome Kit for the Preferred Provider Organization (PPO) plan by clicking here.
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