2014-15 Health and Dental Insurance

Health insurance continues to be a high cost item for Hartwick College and employees. During the current year, we had 12 claims totaling more than $1million. These extremely high claims, combined with medical trends and fees for the Affordable Care Act have resulted in a rate increase of 13.9%.

Our broker, Austin & Co., Inc., worked on our behalf to obtain market quotes from other carriers, and negotiated rates and options for our renewal with CDPHP. The market quotes returned over 30% rate increases from MVP and Excellus.

Hartwick College will retain CDPHP as our health insurance provider and has accepted CDPHP's offer of the Transitional Exclusive Provider Organization (EPO) and Transitional Preferred Provider Organization (PPO) plan changes.

The Transitional EPO plan institutes a plan deductible and co-insurance on several hospital services including maternity, outpatient surgery and emergency care; and changes to copayments for various physician services. The prescription drug coverage will not experience any copayment changes. As a reminder, copayments for radiology and laboratory services are waived if the provider is a preferred center or designated laboratory. Please review the attached EPO Summary for full details of the plan changes.

The Transitional PPO plan institutes a plan deductible and co-insurance on in-network hospital services, and an increased deductible and co-insurance on all out-of-network covered services. The prescription drug coverage will not experience any changes to copayments. As a reminder, copayments for radiology and laboratory services are waived if the provider is a preferred center or designated laboratory. Please review the attached PPO Summary for full details of the plan changes.

Beginning in 2014, consumers' annual out-of-pocket costs in network for health care, including deductibles, co-insurance and co-payments, are limited under the Affordable Care Act to no more than $6,350 per individual and $12,700 per family.

The monthly employee contributions effective July 1, 2014 through June 30, 2015 will be:

  Individual   Individual +1 Family
EPO   $110.64   $302.38 $466.37
PPO   $275.69   $632.49 $906.27

 



As a reminder, through the CDPHP LifePoints Program, members can earn gift cards valued up to $365 per calendar year by participating in a variety of healthy activities including joining our new Campbell Fitness Center, and attending onsite CDPHP classes such as Preventing & Managing Diabetes (May 29th, Noon-1:00 p.m., Eaton Lounge- Bresee Hall) and Plan for Life sessions (June 18th, Noon-1:00 p.m., Chesebro Room- Dewar Hall; September, date to be determined). For further details, please contact the Office of Human Resources at extension 4315.

There are cost saving programs available through CDPHP, such as the RX for Less Program, ordering maintenance drugs through mail order, requesting generic drugs when available, and utilizing urgent care facilities rather than emergency rooms when appropriate.

The College will continue to work with ComTon, Inc. to offer dental coverage. The current plan design and rates will remain unchanged. The monthly employee premiums effective July 1, 2014 through June 30, 2015 will be:

Individual: $ 38.78
Individual + 1: $ 85.31
Family: $137.19

If you have any questions, please feel free to call Suzanne Janitz at extension 4319 or Kimberley Lindsley at extension 4244. You may also stop by the Office of Human Resources, Shineman Chapel House, Monday through Friday between the hours of 9:00 a.m. - 5:00 p.m.

2014-2015 Health and Dental Rates

HEALTH INSURANCE SUMMARIES 
Preferred Provider Organization / PPO          PPO Summary of Benefits and Coverage
Exclusive Provider Organization / EPO          EPO Summary of Benefits and Coverage

CDPHP Website -Find-A-Doc  (Plan Type= National EPO/PPO/HDEPO/HDPPO)  
Caremark Drug Database 
CDPHP RX for Less Program

DENTAL INSURANCE 
ComTon Dental Plan Summary

FORMS 
CDPHP Health Insurance Enrollment Form 
CDPHP Caremark Pharmacy Mail Order Form

Dental Enrollment Form (ComTon, Inc.) 
Dental Claim Form 
Dental College Student Waiver 

Domestic Partner Affidavit