Human Resources

 

Annual Enrollment


Click here to make your elections.

Annual Enrollment will close at 5:00 p.m. on Friday, November 30, 2018.

Browse available options and updates relevant to your annual enrollment at Adelphi University. Open enrollment takes place each fall.

Health Insurance

Our medical insurance programs are provided by Cigna PPO (Standard or High Option) and EmblemHealth (HMO). During the annual enrollment period you have the opportunity to enroll, drop, or change your health insurance coverage from your current election by completing the online enrollment. If you do not enroll, your elections will remain the same with the exception of the Flexible Spending Accounts.

» Cigna PPO

Adelphi’s plans with Cigna are experience rated. That means that a portion of the annual rate increase is based on Adelphi’s usage of and claims in the plan. Premium rates will increase 5.0% for the 2019 plan year.

  • Cigna has a broad national network of pharmacies. You will continue to be able to go to CVS, Walgreens, Costco and Duane Reade for your prescriptions, in addition to many other chains and independent pharmacies.
  • Cigna 90 Now Retail Pharmacy. You may now purchase maintenance prescriptions (90 day) at certain retail pharmacies.
  • There will be only one ID card.
  • Cigna offers both Quest Diagnostics and LabCorp as in-network laboratories.
  • Cigna’s network is called: Cigna’s Open Access Plus (OAP) plan.

Health Reimbursement Account (HRA) for the Cigna Medical Plan only.

  • The Health Reimbursement Account (HRA) is funded solely by Adelphi and can be used to pay for eligible health care expenses. Adelphi will contribute $350 per year if you elect individual coverage and $700 if you elect family coverage with Cigna.
  • Unused Health FSA elections from the prior plan year, subject to the Annual Grace Period (March 15), will pay for Eligible Medical Expenses first until the end of the Annual Grace Period, followed by Employee Health FSA elections, followed by Employer Credits to the HRA plan.
  • Visa Debit Card can still be used until the expiration date on the card.

How does my Health Reimbursement Account (HRA) save me money?

  • Your account is funded by Adelphi University for electing Cigna’s medical plan.
  • Your HRA account allows you to use your funds for eligible medical expenses, as well as other expenses including prescriptions, some over-the-counter medications, doctor office co-pays, health insurance deductibles and coinsurance. You can even use your HRA funds for dental services and vision expenses.
  • Your HRA funds may even be used for eligible expenses for your spouse or federal tax dependent(s).

Dependents under age 26 will be eligible for medical coverage until the end of the calendar month he/she turns 26, regardless of student and marital status.

» EmblemHealth HMO

Under the EmblemHealth option, the rates will increase 8.5% for the 2019 plan year.  The EmblemHealth HMO rates are a fully insured community rated insurance.

  • With lower co-pays, no deductible, and no co-insurance, this is a less expensive option.
  • EmblemHealth is a Health Maintenance Organization (HMO). HIP Prime HMO network connects you to the care you need where you live and work.
  • You must choose an in-network primary care physician (PCP) who provides you with most of your primary and preventive care, refers you to specialists, and arranges for hospital admissions when necessary.
  • All care must be coordinated through your PCP.

As a reminder, effective January 1, 2014, in order to comply with the ACA, EmblemHealth ensures that employee medical cost share (deductibles, coinsurance and copays) accumulate to the medical Out-of-Pocket (OOP) maximum, (inclusive of pharmacy copays). That means once your deductibles, coinsurance and copay amounts reach a maximum OOP amount of $6,350 for individuals or $12,700 for your family, you would not be subject to any other OOP costs for the remainder of the calendar year.

Dependents under age 26 will be eligible for medical coverage until the end of the calendar month he/she turns 26, regardless of student and marital status.

For more information or any questions regarding claims, please click on emblemhealth.com or call 800.447.8255.

Dental Insurance

Our Dental Insurance program is provided by Cigna. We offer a Dental DPPO with Ortho, a Dental DPPO plan, and a Dental DHMO plan. During annual enrollment, you will have the opportunity to enroll, drop, or change your dental insurance coverage from your current election by completing the online enrollment. If you are currently enrolled in the DHMO or DPPO, you do not need to make an election. It will carry into the new year.

There will be no increase in the Dental rates for 2019 plan year.

Cigna Dental – DPPO with Orthodontia

  • Orthodontia coverage for dependent children to age 19 with a lifetime benefit maximum of $1,500.
  • Calendar year benefit maximum to $1,500.

Cigna Dental – DPPO

  • No Orthodontia coverage
  • Calendar year benefit maximum to $1,000.

Benefit Plan Provisions for both Cigna Dental DPPO plans:

  • Calendar year deductible: $50 Individual / $150 Family.
  • You don’t need an ID card to receive dental care.
  • You don’t need to select a primary care dentist.
  • You don’t need a referral to receive care from a specialist.
  • There are two levels of coverage with the Total Cigna DPPO Network:
    • The Cigna DPPO Advantage and Cigna DPPO networks both offer access to a network of dentists contracted to discounted fee arrangements.
    • By choosing a DPPO Advantage dentist, you receive a higher network benefit coverage than you would with a DPPO dentist. This may result in lower out-of-pocket expenses.

Cigna Dental – DHMO

  • The DHMO Patient Charge Schedule applies only when covered dental services are performed by your DHMO Network Dentist.
  • No coverage out-of-network.
  • There is a $5 office visit fee associated with your plan.
  • No deductibles. You don’t have to reach a certain level of out-of-pocket expenses before your insurance kicks in.
  • No dollar maximums. You don’t have to worry about your coverage running out after your covered expenses reach a certain dollar amount.
  • Fees you pay your dentist are listed on your Patient Charge Schedule (PCS).
  • There are no claim forms to file and no waiting periods for coverage.
  • There is orthodontic care for adults and children.
  • The network general dentist you choose will manage your overall dental care.

Dependents under age 26 will be eligible for dental coverage until the end of the calendar month he/she turns 26, regardless of student and marital status.

For more information or any questions regarding claims, please click on cigna.com or contact Cigna Customer Service at 800.244.6224.

Vision Insurance

Our Vision Insurance program is provided by EyeMed Vision Care. During annual enrollment, eligible employees will have the opportunity to enroll for your vision insurance coverage by completing the online enrollment. 

There will be no increase in the Vision Care rates for the 2019 plan year.

Dependents under age 26 will be eligible for vision coverage until the end of the calendar month he/she turns 26, regardless of student and marital status.

In addition to independent providers, EyeMed offers five of the top seven optical retailers for eye care and eyewear services:

  • LensCrafters
  • Sears Optical
  • Target Optical
  • JC Penney Optical
  • Pearle Vision (many locations)

For more information and for a complete list of providers near you use “Find a Provider” on eyemedvisioncare.com and choose the SELECT network drop down menu and enter zip code request or call 866.299.1358.

Health Care Flexible Spending Account

This account is a use it or lose it account. WageWorks Visa Debit Card can still be used until the expiration date on the card.

The Health Care Spending Account provides you with the opportunity to set aside a pre-determined dollar amount each year. The maximum for plan year 2019 will increase to $2,700.00 and a minimum of $200.00 to cover allowable, health care expenses. You must enroll (or re-enroll) in the Health Care Spending Account (HCSA) for the current Plan year by completing online enrollment and indicating how much of your salary you would like to set aside on a pre-tax basis to pay for eligible expenses, not reimbursed by any other health care plan (medical, dental, eye glasses ,etc.).Your election for the Health Care Spending Account is only effective for one year. Each year you are required to make a new election for the following year. 

How does Flexible Spending Accounts (FSA) save me money?

  • Flexible Spending Accounts lets you set aside money for eligible health care expenses and dependent care costs you think you’ll have next year.
  • The money comes out of your paycheck before taxes are deducted, which leads to all those big savings.
  • Health Care Flexible Spending Accounts can save you money if you:
    • have co-pays, deductibles, or coinsurance for medical, dental, or vision plans
    • purchase prescriptions
    • wear glasses or contacts, or plan to have laser eye surgery
    • receive orthodontia treatments, like braces
  • Dependent Care Flexible Spending Accounts can save you money if you:
    • Care for your child who is under age 13
    • Before and after school care
    • Babysitting and nanny expenses
    • Daycare, nursery school, and preschool
    • Summer day camp

If you use your WageWorks card to pay for eligible medical expenses, you will likely have little or no claim forms to complete.

Dependent Care Flexible Spending Account

The Dependent Care Spending Account provides you with the opportunity to set aside a pre-determined dollar amount each year up to a maximum of $5,000 and a minimum of $200 a year to cover allowable, dependent care expenses.  Your election for the Dependent Care Spending Account is only effective for one year. Each year you are required to make a new election for the following year.

To be eligible for reimbursement through the Dependent Care Spending Account, dependent care expenses must be incurred to care for:

  • Dependent Child(ren) under age 13;
  • A disabled spouse or other disabled tax-qualified dependent that spends at least eight hours a day at your home.

You can contribute to this account through payroll deductions that will allow you to pay for these expenses on a pre-tax basis. You may enroll in the Dependent Care Spending Account by completing the online enrollment. 

For additional information regarding the plan or eligible expenses, please go to the WageWorks website at myspendingaccount.wageworks.com or call to speak to a representative at 888.557.3156.  To receive reimbursement from the Dependent Care Spending Account, please log in to your spending account website, myspendingaccount.wageworks.com, to access your pre-populated reimbursement claim form. If you are a new user click on “New Users – Register Here” and follow prompts.

Please note: If you use the Dependent Care Spending Account, the IRS requires that you provide the name, address and Social Security or other tax identification number of your care provider.  Non-discrimination testing of this plan may require certain employees who enroll to be reimbursed any pre-tax dollars elected for the calendar year and to stop participation.  

Transportation Reimbursement Account

Transportation Reimbursement (TRIP) participants may elect to set aside a maximum of $260.00 pre-tax per month for transit expenses for the 2019 plan year. The maximum pre-tax per month for parking expenses increases to $260.00 for the 2019 plan year.

You must enroll (or re-enroll) in the TRIP by completing the online enrollment. You may discontinue this plan at any time, not only during this annual enrollment period. 

For additional information regarding the plan or eligible expenses, please go to the WageWorks website at myspendingaccount.wageworks.com or call to speak to a representative at 888.557.3156.  To receive reimbursement from the TRIP public transit and TRIP parking expenses, effective January 1, 2016 all transit/parking purchases must be made with the new WageWorks debit card due to IRS revenue Ruling 2014-32. All participants will ONLY be able to use their Transit and/or Parking Debit Card for the amount they have available in their account at time of use. To manage your account online please visit myspendingaccount.wageworks.com. If you are a new user click on “New Users – Register Here” and follow prompts.

Long Term Disability Insurance

Long Term Disability insurance is provided to all eligible employees on a contributory or non-contributory basis through Cigna.

If the University pays the full premium for your coverage, the benefit received is fully taxable. If you choose to pay for the insurance, which you would do through payroll deductions, the monthly benefit received would not be subject to taxes under current law. Employees are eligible to receive 60% of base monthly salary to a maximum benefit of $4,000 per month if the University is paying or $15,000 per month if eligible and if the employee is paying.

You may change the way your Long Term Disability Insurance is being funded by completing the online enrollment.  If you are electing to pay for your Long Term Disability coverage, you will be required to provide Evidence of Insurability (EOI).  Complete the Cigna Application and submit to Cigna directly.

Life Insurance

Our Life Insurance program is designed to provide a payment to your beneficiary in the event of your death.

Basic Life Amount will increase effective January 1, 2019 from $20,000 to $50,000. This benefit is fully funded by Adelphi University.

You may elect to purchase life insurance of up to three times your basic annual earnings up to a maximum of $500,000 (if eligible) with Evidence of Insurability (EOI) for amounts above $300,000.

Contributory Dependent Life Insurance (Spouse and Child), where applicable, and contributory Accidental Death and Dismemberment (AD&D) coverage will also be available if you elect contributory life insurance coverage. You can enroll or change your Life Insurance election by completing the online enrollment. 

VOYA Critical Illness and Accident Insurance

Critical Illness/Cancer (Specified Disease) Insurance and Accident Insurance with VOYA

Critical Illness/Cancer (Specified Disease) insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition. You [also] have the option to elect Critical Illness/Cancer (Specified Disease) insurance to meet your needs. Critical Illness/Cancer (Specified Disease) insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Features of Critical Illness/Cancer (Specified Disease) insurance include:

  • Flexibility: You can use the benefit money for any purpose you like.
  • Payroll deductions: Premiums are paid through convenient payroll deductions.
  • Portable: Should you leave your current employer or retire, you can take your coverage with you.

Defined Contribution Retirement Plan – 403(b)

In reference to the Adelphi University Defined Contribution Retirement Plan 403(b), effective January 1, 2019 the 403(b) plan employee maximum contribution limit is increase at $19,000.

The catch-up contributions, allows participants age 50 and older to contribute an additional $6,000 above the $19,000 maximum for a total of $25,000.

 

For further information, please contact:

Office of Human Resources
p – 516.877.3220
e – humanres@adelphi.edu

 
 
Apply Now
Request Information