Lecturer Health Insurance Process

Lecturer Health Insurance Process

July 2010 to June 2011

Towson University (TU) will pay for the TU Funded premium portion of your health insurance coverage with the State if you are employed 50 % time or greater. The payment tables reflected below details the rates for the state subsidy for individual coverage for the monthly premium of Health Insurance per the State of Maryland Premium Rate tables.

Application Process:

Currently Enrolled Lecturers

· If you are enrolled for individual coverage, and make no changes during Open Enrollment, your current individual coverage will continue. You will receive new payment coupons from the State of Maryland once they receive your new contract dates from Towson’s Human Resources Office (OHR).

Current Lecturers Not Enrolled

· Each lecturer faculty member electing to sign up for Health Insurance must visit the OHR and meet with the Employee Benefits office to complete the paperwork for Health Insurance. This paperwork is submitted to the State of Maryland to generate a coupon book detailing the monthly costs due for the coverage.

· HR will direct the lecturer to bring a copy of the enrollment worksheet to the Provost Budget Office

Newly Hired Lecturers

· Newly hired lecturers who wish to enroll in any of the State of Maryland benefits plans must complete an enrollment form and return it to OHR within 60 days of their contract start date.

· Each lecturer faculty member electing to sign up for Health Insurance must visit the OHR and meet with the Employee Benefits office to complete the paperwork for Health Insurance. This paperwork is submitted to the State of Maryland to generate a coupon book detailing the monthly costs due for the coverage.

· HR will direct the lecturer to bring a copy of the enrollment worksheet to the Provost Budget Office

Rates

The following schedule reflects the costs of medical coverage and outlines the premium payable by Towson University and the premium payable by the lecturer for one person on a monthly basis. If coverage is elected for more than one person, Towson University reimburses for the cost of the individual portion only.

Insurance Plan	TU Funded Premium	Employee Premium	Total Monthly Premium
PPO CareFirst BCBS	347.53	86.88	434.41
PPO United HealthCare	324.62	81.15	405.77
POS AETNA	301.17	61.68	362.85
POS CareFirst BCBS	290.86	59.57	350.43
POS United HealthCare	303.41	62.14	365.55
EPO CareFirst BCBS	298.26	52.63	350.89
EPO AETNA	311.46	54.96	366.42
EPO United HealthCare	307.39	54.25	361.64

How does the lecturer initiate payment for the Towson University funded premium:

• The coverage for lecturers renewing their health care coverage or enrolling during open enrollment is effective July 1, 2010. The coverage for newly hired lecturers will be effective based on the date the enrollment form is received and processed in OHR.

• Prior to reimbursement by the Provost Budget Office a new “Statement of Benefits” for the current year sent by the Dept of Budget & Management for each continuing Lecturer needs to be submitted to the Provost Budget Office. This will ensure that the correct reimbursement amount is processed. All new Lecturers will bring a copy of the enrollment worksheet to the Provost Budget Office.

• The first reimbursement from Towson University will be an advance payment based on the Health Insurance plan you have elected.

• Towson University will issue a payment to returning lecturers for the period of July, August and September 2010 reflecting the TU portion of the premium. Towson University will issue a payment to new Lecturers based on the effective date of their benefits.

• You will have to visit the Provost Budget Office outside of Room 310 in the Administration building and sign a Miscellaneous Expense Voucher and provide a copy of your health insurance enrollment worksheet which will be processed to the State of Maryland for the 1^st TU payment.

• Once Accounts Payable receives the Expense Voucher, the voucher will be processed for the amount and time period as described above.

• The payment will go directly into your designated bank account. This process takes approximately 2 to 3 weeks.

• The lecturer will send the total monthly premium and the coupon to the address listed on the Department of Budget and Management coupon by the due date.

• The responsibility for paying the total health insurance premium by the due date rests solely with the employee

• The payment consists of the TU premium and employee premium. For example if the lecturer elected BC BS PPO insurance, the lecturer will send a monthly payment of $434.41 to the State of Maryland.

• The request for the 2^nd quarter (October to December 2010) is due to the Provost Budget Office by September 10, 2010.

• The request for the 3rd quarter (January to March 2011) is due to the Provost Budget Office by December 10, 2010.

• The request for the 4^th quarter (April to June 2011) is due to the Provost Budget Office by March 11, 2011.

• To receive reimbursements for the 2^nd, 3^rd, & 4^th payments, you will need to submit a copy of your premium coupons paid, and your canceled check for the previous quarter’s payments. The front and back of each canceled check is required.

• In other words, you will receive the University’s portion of your health care premium prior to actually submitting it. However, this is contingent upon receiving proof that you made the prior quarter’s payments.
• The noted documents must be submitted in order to receive the TU premium payment for the next quarter.

• If you do not pay your premium on time and your health insurance is terminated, we will discontinue processing the next payment for your health insurance and you will not be able to elect coverage until the beginning of the next fiscal year effective July 1.

• If we determine payments to you for health insurance were not used to pay for your expected premium, we will contact you for repayment of the premium to Towson University

If you have any questions regarding this process, please contact Kevin Burke or Cindy Lyons at 410-704-4480 or 410-704-2124.

Lecturer Health Insurance Process