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Overview:2017 Employee Healthcarein Higher Education ReportEmployeeHealthcare Benefitsin Higher Education2017Key Findings and SummaryTables for the 2016-17Academic YearCitation for this report:Bichsel, Jacqueline, and McChesney, Jasper (August 2017). Employee Healthcare Benefitsin Higher Education: Key Findings and Summary Tables for the 2016-17 Academic Year.Research report. Knoxville, TN: CUPA-HR. Available from:http://www.cupahr.org/surveys/benefits.aspx 2017 CUPA- HROVERVIE W: EMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATION1
ContentsHighlights3Introduction4Participating Institution Characteristics5Basic Healthcare Plan OfferingsTypes of Basic Healthcare Plans Covered in the SurveyPreferred Provider Organization (PPO) PlansHealth Maintenance Organization (HMO) PlansPoint of Service (POS) PlansHigh Deductible Health (HDH) PlansA LL SE C TI O N SAVAI L AB LE INF U LL R E P O R T666A1B1 2017 CUPA- HROVERVIE W: EMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATION2
HighlightsThe following are highlighted results from the CUPA-HR Employee Healthcare Benefits inHigher Education Report. 2017 CUPA- HR The percentage of institutions offering high deductible health plans has been increasing steadily for the past three years. More than half of institutions offer two plans; the most common plans offered arepreferred provider and high deductible health plans. The percentage of institutions offering stand-alone vision plans has been increasingsteadily for the past three years. Obergefell v. Hodges, the Supreme Court case that provided same-sex couples theright to marry in 2015, does not yet appear to have affected offerings of healthcarebenefits to either same-sex or opposite-sex domestic partners. Nearly two thirds of institutions provide healthcare benefits to retirees under 65,whereas one third provide benefits to those aged 65 and over. After a marked decline in 2016, healthcare benefit offerings for part-time staff andfaculty have increased slightly in 2017. Although support for wellness programs sharply decreased in 2016, 2017 figuresshow they may be making a comeback.OVERVIE W: EMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATION3
IntroductionCUPA-HR’s Survey of Higher Education Employee Healthcare Benefits has been conductedsince 2003. This year, we collected data on healthcare benefits only. We will collect dataon retirement and tuition benefits in 2018.1This is a crucial time to collect baseline information on healthcare benefits for futurebenchmarking efforts. At the time of this report’s publication, the U.S. Senate remains enmeshed in debateover whether to repeal the Affordable Care Act (ACA, Obamacare). Uncertainty overthe future of the ACA and potential loss of access to affordable healthcare for thosenot currently covered by employer health plans means that institutions may need tostart evaluating healthcare coverage differently. In June 2016, the Department of Labor issued new sex discrimination regulations thatapply to federal contractors and subcontractors. Some aspects of these regulationsmay impact current healthcare policies for certain institutions — contractors maynot maintain insurance coverage that excludes health services for gender transition;employers are required to provide pregnancy leave in a similar manner to otherleave for medical conditions that affect an employee’s ability to work; and family orcaregiving leave must also be made available to men.2 Healthcare plans and leavepolicies may be changing in light of these regulations. In 2015, the U.S. Supreme Court ruled that states may not prohibit same-sex couplesfrom marrying, effectively conferring this right at the federal level. We discuss theimpact this ruling may have on the provision of domestic partner healthcare benefits later in this report.Institutions will want to benchmark healthcare and other benefits offerings as part oftheir strategy in managing the impact of these changes. CUPA-HR offers two vehiclesfor accessing survey results for benchmarking: aggregated survey reports such as thisone, and DataOnDemand (DOD), which allows institutional users to create their owncomparison groups.This year’s survey collected data on healthcare benefits only. The analyses and tablesin this report cover basic healthcare plans; dental, vision, and long-term care plans;benefits for domestic partners; benefits for part-time employees and retirees; andwellness programs.1 Non-healthcare benefits information has been collected only in even years in recent years, as thatdata shows less change on an annual basis.2 Office of Federal Contract Compliance Programs (OFCCP), Executive Order 11246: SexDiscrimination Regulations. (Obtained July 26, 2017.) United States Department of Labor. 2017 CUPA- HROVERVIE W: EMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATION4
Participating InstitutionCharacteristicsThe information in Figure 1 summarizes the institutional characteristics of respondents on this year’s Survey of Higher Education Employee Healthcare Benefits. In total, 358institutions provided data.1 Institutions are well-represented by classification, affiliation, and region. These data show that CUPA-HR survey respondents are representativeof the population of colleges and universities in the U.S.H E A LT H C A R E B E N E F I T S I N H I G H E R E D U C AT I O N , 2 0 1 7Characteristics of Responding InstitutionsC L A S S I F I C AT I O eate Associate’sREGIONA F F I L I AT I O ast10112714360PrivateIndependentWest83SouthFigure 11 See Appendix B for a list of all participating institutions. Some of these institutions are systems thatprovided data for multiple campuses. 2017 CUPA- HROVERVIE W: EMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATION5
MethodologySURV E YData for the CUPA-HR Survey of Higher Education Employee Healthcare Benefits was collected April 4-June 11, 2017. The survey was conducted entirely online. Data were collectedthrough Surveys Online, CUPA-HR’s data collection and reporting system.RE SPONDENT SRespondents were largely human resource and benefits administrators. There were 358colleges and universities that completed the survey, including 18 systems reporting inthe aggregate for all their ccalaureate4136582104748Associate'sSpecial FocusTotal1 2017 CUPA- HRPrivateReligious36514214388127358For-profit institutions (n 4) were not included in the analyses for this report.OVERVIE W: EMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATION6
Appendix ASummary Tables1# CaptionHealthcare BasicspA21 % of Institutions Offering Each Plan Type;Median Percentage of Insured Employees Enrolled . . . . . . . . . . . . . . . . . . . . . . A22 % of Institutions Offering Stand-Alone Dental, Vision, and Long-Term Care Plans;Median % Employees Enrolled; % of Institutions Paying Part of Premium . . . . . . . . . . . . A23 % of Institutions Offering Domestic Partner Benefits . . . . . . . . . . . . . . . . . . . . . A24 % of Institutions Offering Health Benefits for Retirees; % Paying Part of the Premium . . . . . . . A25 % of Institutions Offering Health Benefits for Part-Time Employees; % Paying Part of the Premium . A36 % of Institutions Using a Salary-Based Model for Premiums;% Offering Healthcare and Dependent Care Flexible Spending Accounts . . . . . . . . . . . . A37 % of Institutions Offering Healthcare Coverage for Spouses/PartnersEligible for Coverage Elsewhere; % Imposing a Surcharge for This Coverage . . . . . . . . . . . A38 % of Institutions Providing Employees Access to On-Campus Medical Servicesor On-Campus Fitness Centers; % Charging a Fee for Use . . . . . . . . . . . . . . . . . . . A39 % of Institutions With Fully-Insured Versus Self-Insured Health Plans . . . . . . . . . . . . . A3Wellness ProgramsA410 Wellness Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A4Healthcare PlansA511 % of Responding Institutions Requiring Employee to Pay a Premium for Healthcare Coverage . . . A512 Median Monthly Healthcare Premiums for Employee-Only Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A513 Median Monthly Healthcare Premiums for Employee Family Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A514 Frequency (%) With Which Healthcare Plans Also Cover Dental, Vision, and Prescriptions . . . . . A515 Frequency (%) With Which Employee Healthcare Plans Also Have These Premium Categories . . . A616 Median Annual Deductibles and Out-of-Pocket Maximums for In-Network Services; Coinsurance . A6Healthcare Plans and prescription drugsA717 % of Health Plans Requiring a Copay for In-Network Prescription Drug Purchases . . . . . . . . A718 Prescription Drugs - Health Plan Coverage . . . . . . . . . . . . . . . . . . . . . . . . . A7Dental Care PlansA819 Median Monthly Stand-Alone Dental Plan Premiums: 2016 Compared to 2015 . . . . . . . . . . A820 Dental Plan Annual Deductibles and Maximums . . . . . . . . . . . . . . . . . . . . . . . A81Summary tables provide benefits information for 2017 only. To compare figures with earlier years, use DataOnDemand. 2017 CUPA- HREMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ATIONA1
Appendix B. RespondentsInstitutionA. T. Still University of Health SciencesAbilene Christian UniversityAdams State UniversityAlbany Law School of Union UniversityAlbertus Magnus CollegeAlbion CollegeAlbright CollegeAlfred UniversityAllegheny CollegeAlliant International University President's OfficeAmerican Jewish UniversityAntioch University System SummaryArcadia UniversityArkansas State University System SummaryArt Center College of DesignAshland UniversityAugsburg CollegeAugustana CollegeAultman College of Nursing and Health SciencesAustin Community College DistrictAverett UniversityBabson CollegeBaker UniversityBellarmine UniversityBelmont UniversityBennington CollegeBerea CollegeBerklee College of MusicBethlehem College and SeminaryBowdoin CollegeBowling Green State UniversityBrigham Young University-IdahoBroward CollegeBryant UniversityButler County Community CollegeButler UniversityCabrini UniversityCaldwell UniversityCalifornia Lutheran UniversityCalifornia State University System SummaryCanisius CollegeCapital UniversityCarleton CollegeCarroll CollegeCase Western Reserve UniversityCasper CollegeCatawba CollegeCentral Baptist CollegeCentral CollegeCentral Michigan UniversityChamplain CollegeCity Colleges of ChicagoClackamas Community CollegeClarkson UniversityClemson UniversityCleveland State UniversityClovis Community CollegeCoker CollegeCold Spring Harbor LaboratoryCollege of DuPageCollege of Lake CountyCollege of Saint BenedictCollege of the Holy CrossCollin County Community College DistrictColorado CollegeColorado Mesa University 2017 CUPA- E HE ALTHC ARE BENEFITS IN HIGHER EDUC 'sBaccalaureateBaccalaureateAffiliationPrivate IndependentPrivate ReligiousPublicPrivate IndependentPrivate IndependentPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPublicPrivate IndependentPrivate ReligiousPrivate ReligiousPrivate ReligiousPrivate IndependentPublicPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPublicPrivate ReligiousPublicPrivate IndependentPublicPrivate IndependentPrivate ReligiousPrivate ReligiousPrivate ReligiousPublicPrivate IndependentPrivate ReligiousPrivate IndependentPrivate ReligiousPrivate IndependentPublicPrivate ReligiousPrivate ReligiousPrivate ReligiousPublicPrivate IndependentPublicPublicPrivate IndependentPublicPublicPublicPrivate IndependentPrivate IndependentPublicPublicPrivate ReligiousPrivate ReligiousPublicPrivate IndependentPublicB1
Colorado School of MinesColumbia College ChicagoColumbia International UniversityCommunity College of Allegheny CountyCommunity College of PhiladelphiaCommunity College of Rhode IslandConcordia CollegeCornell CollegeCornell UniversityCornerstone UniversityCurry CollegeCuyahoga Community CollegeDes Moines University-Osteopathic Med. CenterDixie State UniversityDoane UniversityDominican College of BlauveltDrake UniversityDrew UniversityDrury UniversityDuquesne UniversityEastern Kentucky UniversityElizabethtown CollegeElon UniversityEmbry-Riddle Aeronautical UniversityEmerson CollegeExcelsior CollegeFashion Institute of TechnologyFaulkner UniversityFelician UniversityFielding Graduate UniversityFlagler CollegeFlorida State UniversityFontbonne UniversityFranciscan University of SteubenvilleFranklin & Marshall CollegeFranklin CollegeFranklin Pierce UniversityFriends UniversityFrostburg State UniversityGannon UniversityGeorgian Court UniversityGettysburg CollegeGolden Gate UniversityGoldey-Beacom CollegeGoucher CollegeGreenville CollegeGuilford CollegeHarrisburg Area Community CollegeHartwick CollegeHawaii Pacific UniversityHeartland Community CollegeHeidelberg UniversityHenry Ford Community CollegeHilbert CollegeHillsborough Community CollegeHobart and William Smith CollegesHoly Family UniversityHouston Community College SystemHoward Payne UniversityIllinois State UniversityIllinois Wesleyan UniversityIndiana University System SummaryIndiana Wesleyan UniversityIona CollegeIowa State UniversityIvy Tech Comm College of Indiana-Central OfficeJefferson CollegeJohn Brown UniversityJohn Carroll UniversityJohnson County Community CollegeJohnson UniversityJuniata CollegeKalamazoo CollegeKansas State UniversityKent State University Main Campus 2017 CUPA- NortheastMidwestMidwestMidwestEMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ralPublicPrivate IndependentPrivate IndependentPublicPublicPublicPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPublicPrivate IndependentPublicPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPublicPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPublicPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate IndependentPublicPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate ReligiousPrivate IndependentPrivate IndependentPublicPrivate ReligiousPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPrivate ReligiousPublicPrivate IndependentPrivate IndependentPublicPrivate ReligiousPublicPrivate IndependentPublicPrivate IndependentPrivate ReligiousPublicPrivate ReligiousPublicPrivate IndependentPublicPrivate IndependentPrivate IndependentPublicPublicPublicPrivate IndependentPrivate ReligiousPublicPrivate IndependentPrivate IndependentPrivate IndependentPublicPublicB2
Kentucky Christian UniversityKentucky Wesleyan CollegeKenyon CollegeKing UniversityKirtland Community CollegeKnox CollegeLaboure CollegeLake Forest Graduate School of ManagementLakeland UniversityLake-Sumter State CollegeLander UniversityLawrence UniversityLe Moyne CollegeLebanon Valley CollegeLee UniversityLees-McRae CollegeLehigh UniversityLewis and Clark CollegeLincoln Christian UniversityLoma Linda UniversityLoyola University MarylandMacalester CollegeMadison Area Technical CollegeManchester UniversityManhattanville CollegeMaricopa County Comm Coll District Syst SummMarist CollegeMaryland Institute College of ArtMaryland University of Integrative HealthMaryville University of Saint LouisMcHenry County CollegeMcNeese State UniversityMethodist UniversityMetropolitan State University of DenverMiami UniversityMichigan State UniversityMichigan Technological UniversityMillikin UniversityMills CollegeMinneapolis College of Art and DesignMississippi CollegeMonmouth UniversityMontgomery CollegeMoraine Valley Community CollegeMorehead State UniversityMount Saint Mary's UniversityMount Vernon Nazarene UniversityMurray State UniversityMuskingum UniversityNaropa UniversityNazareth College of RochesterNeumann UniversityNew England CollegeNew Mexico State University System SummaryNew York School of Interior DesignNicolet CollegeNorth Dakota State University Main CampusNorthampton Community CollegeNorthern Michigan UniversityNorthland Pioneer CollegeNorthWest Arkansas Community CollegeNorthwest Missouri State UniversityNorthwestern Health Sciences UniversityNorthwood UniversityNorwich UniversityOberlin CollegeOklahoma Christian UniversityOklahoma City UniversityOklahoma State University System SummaryOlivet CollegeOregon Institute of TechnologyParker UniversityPenn State University System SummaryPennsylvania State System of Higher EducationPortland State University 2017 CUPA- tWestSouthNortheastNortheastWestEMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC alPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate ReligiousPublicPrivate IndependentPrivate ReligiousPrivate IndependentPrivate ReligiousPublicPublicPrivate IndependentPrivate IndependentPrivate ReligiousPrivate ReligiousPrivate ReligiousPrivate IndependentPrivate IndependentPrivate ReligiousPrivate ReligiousPrivate ReligiousPrivate ReligiousPublicPrivate ReligiousPrivate IndependentPublicPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPublicPublicPrivate ReligiousPublicPublicPublicPublicPrivate ReligiousPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPublicPublicPublicPrivate ReligiousPrivate ReligiousPublicPrivate ReligiousPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPublicPrivate licPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPublicPrivate IndependentPublicPrivate IndependentPublicPublicPublicB3
Princeton UniversityProvidence CollegeQuinnipiac UniversityRamapo College of New JerseyReading Area Community CollegeRegis UniversityResearch Foundation of State Univ of New YorkRhode Island School of DesignRhodes CollegeRingling College of Art and DesignRoanoke CollegeRochester Institute of TechnologyRoosevelt UniversityRosalind Franklin Univ of Medicine & ScienceRoseman UniversitySaginaw Valley State UniversitySaint Anselm CollegeSaint Francis UniversitySaint John's UniversitySaint Joseph's UniversitySaint Louis Community CollegeSaint Mary's University of MinnesotaSaint Meinrad School of TheologySaint Norbert CollegeSalt Lake Community CollegeSalus UniversitySam Houston State UniversitySamuel Merritt UniversitySan Juan CollegeSchenectady County Community CollegeSchool of the Art Institute of ChicagoSchoolcraft CollegeSchreiner UniversitySeattle CollegesSeton Hill UniversitySiena CollegeSierra CollegeSouthern College of OptometrySouthwestern Michigan CollegeSouthwestern Oklahoma State UniversitySouthwestern UniversitySt. Bonaventure UniversitySt. John Fisher CollegeSt. Olaf CollegeSuffolk UniversitySwarthmore CollegeSweet Briar CollegeSyracuse University Main CampusTexas Chiropractic CollegeTexas Woman's UniversityThe College of New JerseyThe Culinary Institute of AmericaThe Scripps Research InstituteThe University of ArizonaThe University of ScrantonThe University of TampaThe University of UtahThomas CollegeTouro University - NevadaToyota Technological Institute at ChicagoTransylvania UniversityTrinity Christian CollegeTrocaire CollegeTurtle Mountain Community CollegeTyler Junior CollegeUnion CollegeUniversity of Alabama at BirminghamUniversity of Alaska Statewide System SummaryUniversity of Arkansas Main CampusUniversity of Arkansas System OfficeUniversity of Central FloridaUniversity of Central MissouriUniversity of Cincinnati System SummaryUniversity of DenverUniversity of Florida 2017 CUPA- PLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC ctoralMaster'sDoctoralDoctoralDoctoralPrivate IndependentPrivate ReligiousPrivate IndependentPublicPublicPrivate ReligiousPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPublicPrivate ReligiousPrivate ReligiousPrivate ReligiousPrivate ReligiousPublicPrivate ReligiousPrivate ReligiousPrivate ReligiousPublicPrivate IndependentPublicPrivate IndependentPublicPublicPrivate IndependentPublicPrivate ReligiousPublicPrivate ReligiousPrivate IndependentPublicPrivate IndependentPublicPublicPrivate ReligiousPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPublicPublicPrivate IndependentPrivate IndependentPublicPrivate ReligiousPrivate IndependentPublicPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPrivate IndependentPrivate IndependentPublicPrivate cPrivate IndependentPublicB4
University of HartfordUniversity of Hawaii System OfficeUniversity of Illinois at SpringfieldUniversity of Illinois at Urbana-ChampaignUniversity of IndianapolisUniversity of Kansas Main CampusUniversity of KentuckyUniversity of La VerneUniversity of Louisiana at LafayetteUniversity of MaryUniversity of Massachusetts LowellUniversity of Michigan-Ann ArborUniversity of Minnesota System SummaryUniversity of Missouri System SummaryUniversity of MontevalloUniversity of Nebraska System SummaryUniversity of Nevada - Las VegasUniversity of New EnglandUniversity of New Mexico Main CampusUniversity of Northern IowaUniversity of OregonUniversity of PikevilleUniversity of Pittsburgh System SummaryUniversity of Puget SoundUniversity of RedlandsUniversity of Rhode IslandUniversity of RichmondUniversity of RochesterUniversity of Saint JosephUniversity of San DiegoUniversity of San FranciscoUniversity of Southern IndianaUniversity of Tennessee Health Science CenterUniversity of the ArtsUniversity of the PacificUniversity of the SouthwestUniversity of VermontUniversity of West FloridaUniversity of Wisconsin System SummaryUniversity System of Georgia OfficeUtica CollegeValencia CollegeValparaiso UniversityVanguard University of Southern CaliforniaVolunteer State Community CollegeWagner CollegeWake Technical Community CollegeWaubonsee Community CollegeWayne State UniversityWeber State UniversityWebster UniversityWestern New England UniversityWestern New Mexico UniversityWestminster CollegeWestmont CollegeWheaton CollegeWheaton CollegeWhitman CollegeWidener UniversityWilliam Carey UniversityWilliam Jessup UniversityWittenberg UniversityWoods Hole Oceanographic InstitutionWorld Learning School for International TrainingXavier UniversityYork College of PennsylvaniaYoungstown State University 2017 CUPA- stMidwestNortheastMidwestEMPLOYEE HE ALTHC ARE BENEFITS IN HIGHER EDUC e IndependentPublicPublicPublicPrivate ReligiousPublicPublicPrivate IndependentPublicPrivate cPrivate IndependentPublicPublicPublicPrivate ReligiousPublicPrivate IndependentPrivate IndependentPublicPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPrivate ReligiousPublicPublicPrivate IndependentPrivate IndependentPrivate IndependentPublicPublicPublicPublicPrivate IndependentPublicPrivate ReligiousPrivate ReligiousPublicPrivate IndependentPublicPublicPublicPublicPrivate IndependentPrivate IndependentPublicPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPrivate ReligiousPrivate IndependentPrivate IndependentPrivate ReligiousPrivate IndependentPublicB5
on retirement and tuition benefits in 2018. 1. . College of DuPage Midwest Associate's Public College of Lake County Midwest Associate's Public College of Saint Benedict Midwest Baccalaureate Private Religious College of the Holy Cross Northeast Baccalaureate Private Religious
