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Flexible Spending Accounts 

The University offers flexible spending plan through HealthEquity, a third-party administrator for Blue Cross/Blue Shield. The plan is available to all full-time, regular employees at no cost. A flexible spending plan allows an employee to set aside pre-tax dollars for certain medical and dependent care expenses  incurred throughout the year. This plan allows eligible employees to set aside funds for medical and dependent care expenses annually. Limits are updated each year by the IRS and provided annually in the open enrollment emails. Eligible expenses can be for the participant and his/her spouse and eligible dependents, whether covered under the University’s health plan or not. 

For medical expenses, participants are provided with a debit card to use for out-of-pocket expenses.  All transactions and requests for documentation by HealthEquity are managed through each participant's HealthEquity web portal account.

Typically, an expense must have been incurred in the calendar year of participation (January 1 through December 31) in order to be eligible for reimbursement from the respective year's account balance.  However, the University has elected to offer participants a grace period, which allows expenses incurred in the following calendar year through March 15 to be applied to the former year's account balance, if any.  Please be advised that, because this plan is eligible for IRS exemptions, it is a "use-it-or-lose-it" plan.  So, it is advisable to only set aside funds for expenses you are certain you will incur within the calendar year of enrollment.

Enroll in Flexible Spending Accounts during the annual enrollment period.

Accident Coverage (Symetra)

With Symetra, we are now offering a supplemental accident policy that offers comparable coverage to the previous AFLAC accident policy, but with a lower rate! 

This plan provides benefits to help cover out-of-pocket medical expenses related to an accidental injury. Payment is supplemental to benefits paid by any other insurance policy and is made directly to the employee by Symetra. To file a claim, click to create an account online (reference policy number 12628000) or login to your MyGO app. 

See brochure for additional details and click here for rates.

Group Voluntary Cancer Insurance

This coverage will no longer be offered to new employees beginning August 1, 2010.

Group Voluntary Cancer Insurance (ALLSTATE):

Hospital Coverage (Symetra)

With Symetra, we are now offering a supplemental hospital policy that offers significant improvement over the previous AFLAC hospital indemnity policy, both in price and in coverage!  See brochure for additional details. This plan provides benefits for hospital confinement resulting from sickness or injury, including maternity. Two plan levels are available; see the following information for full details. Payment is supplemental to benefits paid by any other insurance policy and is made directly to the employee by Symetra. To file a claim, click to create an account online (reference policy number 12628000) or login to your MyGO app. 

Policy rates are based on the level of coverage selected and do not increase due to age. 

Short-Term Disability (FORT DEARBORN LIFE)

Supplemental Life Insurance

Critical Illness Insurance (Symetra)

Critical illness insurance provides financial support by paying a lump-sum benefit that can be used for anything - from medical bills to childcare - after a covered diagnosis. 

With this policy, you are able to select a lump sum payment amount ($10,000, $20,000, or $30,000) that would be paid (in part or in whole) upon the diagnosis of certain critical illnesses (see brochure).  You may purchase various levels of coverage to include spouses and/or dependent children up to age 26.

Critical Illness Summary Plus Rate Sheet

This policy does not cover cancer.  As we already have cancer coverage in place, Symetra has priced the policy to complement cancer coverage.  

Covered diagnoses include: heart attack, stroke, coronary artery disease requiring surgery or angioplasty, sudden cardiac arrest, transient ischemic attack, major organ failure, occupational HIV, end-stage renal failure, loss of sight, hearing, or speech, paralysis from sickness and accident, severe burns, stem cell transplant, ALS/other motor neuron diseases, advanced Alzheimer's disease, Parkinson's disease, advanced multiple sclerosis, coma from accident and sickness, major congenital structural anomaly, congenital metabolic disorder, congenital chromosomal abnormality, and some chronic medical condition commonly diagnosed in childhood.

There are no pre-existing limitations and no waiting periods for coverage with this policy.

To file a claim, click to create an account online (reference policy number 12628000) or login to your MyGO app.

Vision (VSP)

The vision plan offered through VSP is supplemental to the vision benefits provided through your Blue Cross/Blue Shield health insurance.  To view the vision coverage that is included in your BlueCross/BlueShield Health Insurance, please click    or the Vision link in the menu on the left.  If you have vision needs beyond what the biennial $250 Blue Cross/Blue allowance will cover, the VSP plan is a good option for you.  If you elect the VSP coverage, it is important that (1) you use a VSP network provider (see below), and (2) you advise the provider to first file your vision claim under VSP so that the Blue Cross/Blue Shield allowance will be applied to the remaining out-of-pocket expenses.

The VSP Supplemental Vision Plan provides benefits for an eye exam and glasses or contact lenses annually. Payment for these benefits is made directly to the eye-care provider; this payment is in addition to your current vision coverage with Blue Cross/Blue Shield. See the VSP Brochure for details. For a side-by-side comparison with the previous VSP plan, refer to this chart . To search for in-network providers, refer to the VSP .

Enrollment takes place once per year during the University's Open Enrollment Period. Click here for the VSP application. To file a claim, simply tell the provider that you have VSP; there is no membership card. Rates for the vision plan are as follows:

Air Evac Lifeteam

For questions or further information regarding all supplemental benefit options, please review the Supplemental Benefits Open Enrollment Meeting Presentation or contact McBride Benefits & Insurance Group: