The University offers comprehensive medical, prescription and vision coverage. The University pays various percentages 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. Your medical plan choices are: a preferred provider organization (PPO) or a health maintenance organization (HMO).

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.

More information concerning the PPO is available at New Employee orientation, and at any other time, from the Human Resources office. Out-of-network claim forms are available at the University Form Centers located throughout campus.

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 services 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. 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.

More information concerning the HMO’s is available at New Employee Orientation, and at any other time, from the Human Resources office.