AU offers full-time faculty and staff a choice between two medical plans:
- CareFirst BlueChoice Advantage Plan
- PPO providers locally and nationally
- No requirement to designate a Primary Care Provider (PCP)
- Kaiser Permanente – an HMO plan
|Plan Provision||CareFirst||Kaiser HMO|
Individual plus one/Family
Primary Care Provider (PCP)
|Coinsurance Plan pays, where applicable*||90%||65%||0%|
|Emergency Room Copay||90% coverage – after $100 copayment*||90% of plan allowance – after $100 copayment*||100% coverage – after $75 copayment|
|Inpatient Hospital Copay||90% coverage – after $250 copayment*||65% of plan allowance*||100% coverage – after $250 copayment|
|2019 Monthly Employee Cost
Individual under $35,000
Individual over $35,000
Individual plus one
*Subject to the annual deductible.
The amount that BCBS will pay for a given covered service is determined by the Plan Allowance for that service. The Plan Allowance for covered services is determined by the contracted rate or fee schedule that participating providers have agreed to accept for that service or rate or fee that is established by law.
CareFirst BCBS medical plan participants have prescription drug coverage through Express Scripts and Kaiser medical plan participants have prescription drug coverage through Kaiser.
The university offers full-time faculty and staff a choice between two dental plans through Delta Dental:
- Comprehensive dental – covering all types of dental services
- Basic dental – covering preventive services and other limited services
In addition, discount dental benefits are available through the CareFirst and Kaiser medical plans.