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FAQs: Health Insurance

1. What are my health plan options?
VUMC offers three PPO (preferred provider organization) health plan options: Aetna Plus, Aetna Select and Aetna HealthFund. Click here to learn more.

2. How can I figure out which health plan option is right for me?
We realize that choosing a health plan is complicated. See the Which Health Plan Option Should I Choose? web page.

3. What is my payroll deduction (premium) for the health plan?
See the Benefits Overview 2017 for Faculty and Staff (VUnetID required). Ranges of annual base benefits rates of pay that determine how much you will pay for your portion of health insurance premiums. In most cases, your annual base benefits rate (ABBR) is the same as your annual salary. There are five bands:

  • Band 1: For employees with salaries up to $49,999.99
  • Band 2: For employees with salaries of $50,000-99,999.99
  • Band 3: For employees with salaries of $100,000-149,999.99
  • Band 4: For employees with salaries of $150,000-199,999.99
  • Band 5: For employees with salaries of $200,000 or more

If you are paid monthly, your premiums will come out of each paycheck all at once. If you are paid weekly or bi-weekly, these amounts will be divided equally between your four or two paychecks of each month.

4. What percentage of my health insurance premium does VUMC pay for?
VUMC shares a significant portion of the monthly cost. The percentage will depend on your band and which plan you choose. On average, VUMC contributes 77 percent towards employee premiums.

5. What happens if I don't enroll in any health plan?
If you are fully benefits-eligible, you will be automatically enrolled in the Aetna Plus employee-only option, unless you make changes within 30 days of your hire date. If you do not want to elect coverage through VUMC, you must waive the benefit in My VUMC Benefits to avoid payroll deductions. If you receive the $25 per month Health Reimbursement Account (for employees hired on or before Dec. 31, 2004), waiving the health plan will result in the loss of your HRA balance. In addition, you will lose your prescription drug coverage and will not be able to use your Go for the Gold wellness credit for your VUMC Health Plan account.

6. What is the tobacco credit?
Save $20 per month on your health plan premiums if you and your covered family members are committed to being tobacco-free. Just indicate your tobacco usage status when completing enrollment in My VUMC Benefits. The credit lowers your health care payroll premium by $20 per month. E-cigarettes are considered to be tobacco products.

7. What is the spouse coverage fee?
Spouses who have access to health coverage through an outside employer, but prefer the VUMC plan, will pay an additional $100 per month in payroll premiums.

8. Why did I receive a COBRA general notice as a new hire or newly benefits-eligible employee?
This is a federal requirement. Group health plan administrators must give new plan enrollees a general notice describing COBRA rights within 90 days of their coverage taking effect.

9. Are part-time and temporary employees eligible for health plan coverage?
Partially benefits-eligible employees and their dependent children are eligible for VUMC health plan coverage. If you are a monthly paid employee not already eligible for benefits, or a weekly or biweekly paid employee regularly scheduled to work 20 to 29 hours per week, then you are partially benefits eligible. TempForce (temporary), adjunct, flex or PRN employees are also partially benefits eligible if they meet the previous requirements.

10. I do a lot of foreign travel. How does Aetna handle my care when I am overseas?
Aetna offers overseas coverage. However, Aetna requires that you pay the provider and then submit a claim form to Aetna. Foreign emergency/urgent care claims are paid at the Aetna National Network level. Foreign non-emergency claims are paid at the out-of-network level. Learn more about traveling with VUMC health care. You may want to explore purchasing Accidental Death & Dismemberment coverage, which includes MetLife's Travel Assistance .

11. I am an active employee on VUMC's health plan and I also have Medicare coverage. Which plan will pay first?
In most cases, the VUMC Health Plan will pay first. If you need further assistance, please contact Aetna Member Services at 800.743.0910. See this guide for more information.