ISU Plan


Medical Information
Prescription Drug Plan
Dental Insurance
Insurance Tools

Eligibility

Faculty, Professional & Scientific, Supervisory/Confidential Merit (Non-Organized) employees  and Merit employees hired with a start date of 7-1-2017 or later appointed to positions with an appointment of 1/2 time or greater and duration of at least nine continuous calendar months, are eliglble to participate in the following benefit programs, unless otherwise indicated. Pre/Post Doctoral Associates with an appointment of 1/2 time or greater are eligible to participate in the following benefit programs, unless otherwise indicated.

Employees can enroll within 31 days of their hire date, with a qualifying life event or during the annual Open Change Period. 

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Medical

Two options for medical coverage are available. Both are provided through Wellmark Blue Cross and Blue Shield.

Alliance Select PPO

The ISU PPO Plan is a managed care plan that gives you a choice each time you need health care to access a Blue Cross/Blue Shield Preferred Provider or to use any provider. If you access a Blue Cross/Blue Shield Preferred Provider the plan pays a higher benefit. If you use out-of-network providers, benefits are generally payable, but at a lower level. This plan is often selected by individuals and their families who are comfortable selecting a Blue Cross/Blue Shield Preferred Provider and still wish to have coverage when unable to access a Blue Cross/Blue Shield Preferred Provider.
Certificate

Alliance Select Summary of Benefits

  • This plan design has a network of participating physicians throughout the U.S.A.
  • In-Network: no deductible, $20 office co-payment (does not apply to out-of-pocket maximum) and/or 10% co-insurance, coverage of routine services (annual physical exams and any related lab tests, hearing and eye exams)
  • Out-of-Network: $300 single/$600 spouse/partner/child/family contract deductible, 20% co-insurance, no coverage for routine services
  • Out-of-pocket maximum (in-network) of $1,500 per single contract and $3,000 per spouse/partner, child or family contract on eligible medical expenses
  • Out-of-pocket maximum (out-of-network) of $3,000 per single contract and $6,000 per spouse/partner, child or family contract on eligible medical expenses
  • $100 emergency room co-payment (waived if admitted)
  • Self-referral allowed
     

Blue Advantage HMO

The ISU HMO Plan is a managed care plan that requires you to receive all your health care through a network of physicians. Most services are paid at 100%. You pay the full cost of any care you receive outside the network except for emergency care when you are traveling out of the service area. This plan is often selected by individuals and their families whose needs can be satisfied by physicians within a specific network.
Certificate

Blue Advantage Summary of Benefits

  • This plan design has a network of participating physicians based in Iowa.  Current participation is 99% of hospitals (acute care), 93% of primary care physicians (includes pediatricians), 91% of OB/GYN provider and 93% for specialist that are participating in the network.
  • Each member in the contract is required to designate a primary care physician (PCP). Female participants may elect to also designate a primary OB-GYN physician for their yearly exams.
  • Services directed by your PCP: $10 co-pay for office calls – preventative, outpatient mental health/chemical dependency, $10.00 co-pay for in-network chiropractic care and acupuncture services, $0 deductible and $0 co-insurance
  • $100 emergency room co-payment (waived if admitted)
  • In-Network Specialists: you may see a provider in the Network without a referral from PCP
  • Out-of-Network Specialists: If you require services that are not available from a specialist within the Network, Wellmark must approve out-of-Network referrals before you receive services or the services will not be covered
  • Referrals are not required for chiropractor visits, hearing exams, vision exams or acupuncture.
  • Guest membership: this is an added benefit while away from home for 90 or more consecutive days. The guest membership includes access to Blue Cross and Blue Shield participating hospitals, physicians and other health care providers from which you can receive covered services. This guest membership is a valuable service for: long-term out-of-state travelers (traveling up to 180 days), dependent children who attend college full-time out of state, and family members who reside in another state but are covered under the same health plan
     

ISU Medical Plan Comparison

Medical/Prescription Plan Monthly Premiums

 Tier of Coverage

PPO (Allilance Select)

HMO  (Blue Advantage)
 Yourself Only$20.00$0.00
 Yourself + Spouse$263.00$78.00
 Yourself + Children$173.00$46.00
 Yourself + Family$339.00$112.00
 

Family Double Spouse (Each employee pays)

$97.00$0.00

 

 

 

 

 

 

 

Wellmark Blue Cross and Blue Shield
1331 Grand Ave.
Des Moines, Iowa 50309-2565
Phone: 1-800-494-4478

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Prescription Drug Plan

The prescription plan is administered by pharmacy, Express Scripts.

The ISU prescription drug plan offers a pharmacy program that is administered separately from your medical plan.  There is not a separate premium to pay for prescription coverage. The cost of the health and prescription plans is combined into the health premium. The percent of co-insurance is determined by Express Scripts at the point of sale: either at a participating retail pharmacy or Express Scripts by Mail.

Identification Cards:  you will have a separate prescription benefit card from Express Scripts.  Cards will be issued in the contract holder's name and mailed to your U.S. home address.  Enrolled family members have identifcal cards. 

Summary of benefits:

No Deductible

Out-of-pocket maximum (separate from applicable medical plan out-of-pocket)

  • $1,500 single contract/year
  • $3,000 spouse/partner/child/family contract/year

30-day supply - Retail Pharmacy:  for prescription medications used on a short term basis

  • $10 copay for generic
  • 30% coinsurance for preferred brand name ($100 maximum copay/prescription)
  • 50% coinsurance for non-preferred brand name ($200 maximum copay/prescription)

90-day supply - Retail Pharmacy:  for prescription medications used on a regular basis

  • $30 copay for generic
  • 30% coinsurance for preferred brand name ($300 maximum copay/prescription)
  • 50% coinsurance for non-preferred brand name ($600 maximum copay/prescription)

90-day supply - Express Scripts Home Delivery Pharmacy:  for prescription medications used on a regular basis

  • $0 copay for generic
  • 25% coinsurance for preferred brand name ($250 maximum copay/prescription)
  • 33% coinsurance for non-preferred brand name ($500 maximum copay/prescription)

The prescription coverage has clinical programs which add step therapy and/or prior authorization requirements.  These programs enhance health and safety through greater medication compliance and adherence to prescribed therapies.  This helps patients avoid negative outcomes as a result of incorrect dosing, drug interactions or treatments prescribed for non-approved indications or treament guidelines.  The programs target conditions that are considered chronic and complex, many of which are treated with specialty medications.  

Express Scripts Home Delivery

Express Scripts
Member Service Phone Number: 800-987-5248
For Refills - Please call the phone number listed on your prescription bottle. If not available, call the member services number.

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Dental

Two dental plan options are available, which are both administered by Delta Dental of Iowa.

Basic Plan:  $0 deductible, $750 annual maximum benefit per person/year

Comprehensive Plan:  $25 annual deductible, $1500 annual maximum benefit per person/year, $2000 lifetime maximum for orthodontics

Basic & Comprehesive Plan Certificate

Plan Comparison

Dental Plan Monthly Premiums

  Tier of Coverage Basic Comprehensive
  Yourself Only $0 $16.00
  Yourself + Spouse/Partner $30.00 $77.00
  Yourself + Children $37.00 $82.00
  Yourself + Family $45.00 $96.00
  Family Double Spouse (Each employee pays) $9.50 $35.00

 

 

 

 

 

 

All Delta Dental subscribers have access to a vision discount program through EyeMed Vision Care

Delta Dental
9000 Northpark Drive
Johnston, IA 50131-9010
Phone: 1-800-544-0718

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Insurance Tools 

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