Transcription
Benefits Overview: GraduateStudent Instructors Graduate Student Research Assistants Fellowship Holders
This presentation explains how: Graduate Student Instructors, Graduate Student Research Assistants, and Benefit-Eligible Fellowship Holderscan choose insurance and other options,and how to get medical care.* NOTE: This presentation is only intended to give you anoverview of the benefits package; please refer to theBenefits Office website for specific details about policiesand coverage: http://benefits.umich.edu2
Terms & Abbreviations GSRA: Graduate Student Research AssistantGSI: Graduate Student InstructorGSSA: Graduate Student Staff AssistantGradCare: a medical insurance plan for eligible students andbenefits-eligible Fellowship HoldersIHI: International Health Insurance PlanBenefits: additional options (such as medical insurance, dentalinsurance, legal insurance, etc.) that are available to you because ofyour employment or fellowshipPremium: your monthly cost for insurance (if any)Deductible/copay: what you pay for medical care if your insuranceplan doesn’t cover costs at 100%3
Insurance & Immigration Status Insurance is required as long as you havevalid F-1 or J-1 statusEither GradCare (or some other health plan thatmeets U-M standards) or International HealthInsurance (IHI)IHI is the default plan if your GradCare ends forany reason. For example: Semester-based enrollment/waiving delayOPT (Optional Practical Training)SummersWork breaks4
Benefits for GSIs and GSSAsGSI or GSSA:Must have at least a 25% appointment and fundingfor at least four continuous months (Fall & Winter term)or two continuous months (Spring & Summer term): GradCare medical insurance Dental options 1, 2, and 3 Vision Plan Life Insurance Plans Legal Plan Flexible Spending Accounts Supplemental Retirement Plan Travel Accident Insurance5
Benefits for GSIs and GSSAsGSI or GSSA:Less than a 25% appointment and fundingfor at least four continuous months (Fall & Winterterm) or two continuous months (Spring & Summerterm): GradCare Dental options 1, 2, and 3 Supplemental Retirement Accounts Travel Accident Insurance6
Benefits for GSRAsGSRAs must have at least a 25% appointmentand funding for 4 continuous months at all times: GradCare medical plan Dental Options 1, 2, and 3 Vision Plan Life Insurance Plans Legal Plan Flexible Spending Accounts Supplemental Retirement Plan Travel Accident Insurance7
Benefits for Benefit-EligibleFellowship HoldersCheck with your department to determine if youare sponsored for GradCare under thisprovision. GradCareDental Options 1, 2, and 3Vision PlanLegal Plan8
Choosing Your Benefits: Dental Options 1, 2 or 3 Monthly premium from 0 to 71.84/month Are we likely to need dental treatment? Vision (one option only) Monthly premium from 8.38 (you only) to 22.72/month (family) Are we likely to need new glasses/contactlenses?9
Choosing Your Benefits Some benefits are free, some have a cost(monthly premium) to you. If you choose benefits that have a cost, thepremium will be automatically deducted from yourpaycheck. You may be billed retroactively.Check your benefit deductions on your pay stub.View your pay stub online through Wolverine Access:http://wolverineaccess.umich.edu 10
How to Enroll Follow email instructions to go online andchoose medical insurance & other optionsChoose your plans within 30 daysYour dependents are not addedautomatically to your insurance—make sureto add them!Once you’ve selected your options, check againto make sure you’ve chosen correctlyYou can also see step-by-step enrollment instructions on the Benefits Officewebsite: wto11
What Happens if I Don’t ChooseAnything?If benefit elections are not made within 30 days youwill be automatically enrolled in the following freeoptions:- GSIs, GSSAs, GSRAs default to GradCare, DentalOption 1, and University Life Insurance Plan- GSIs & GSSAs with less than a 25% appointmentand fellowship holders default to GradCare andDental Option 1* REMINDER: Your dependents are not automaticallyenrolled in any insurance plan. Remember to addyour dependents within the 30 day period!12
What About My Family? F-2 and J-2 dependents have the same insurancerequirement as F-1s and J-1sMust be added as soon as they: receive F-2/J-2 status, or arrive in the US30-day deadline from “life event”: Marriage Entering the US (copy of visa & I-94 card) New babyDependents without a Social Security Number can’t beadded online; complete the Benefits Enrollment/Changeform found at:http://benefits.umich.edu/forms/GV.pdf13
Summer Benefit Continuation GSIs, GSSAs, GSRAs: if enrolled in benefits in Winter semesterand will also be benefits eligible in the Fall, eligible for the benefitsfor Spring/Summer termsWinter SummerFallGSIs & GSSAs only: eligibility continues if enrolled in benefits Falland Winter semestersFallWinterSpring/Summer14
How Do My Family & I ReceiveMedical Care?15
GradCareGradCare requires you to choose a primary doctor. TheGradCare Provider Directory can be found at:http://www.mibcn.com/provsearch/search?plan UM01&type basic If you choose University Health Service (UHS) as yourprimary “doctor”, the 25 co-pay is waived at UHS You will receive an insurance ID card in the mail Show the insurance card at the hospital or clinic16
GradCare (cont.) Level 1: When on campus, see your primary care physician (PCP)for care or referral to a specialist Level 2: If you are leaving campus for off-site academic study orother field placement, you must file an Off-Site Registration Formwith Blue Care Network. The form can be found on the BenefitsOffice website at: http://benefits.umich.edu/forms/grads.html Level 3: When traveling or on school break, obtain medicallynecessary medical care from any non-network provider (obtain priorauthorization from Blue Care Network). Out-of-pocket expenses forLevel 3 are higher than those from Levels 1 and 2.17
What Happens if my GradCare orOther Plan Ends? If your employment ends, you will be automaticallyenrolled in the International Health Insurance PlanGSIs, GSSAs, and GSRAs have the option ofcontinuing GradCare under COBRA. Information can befound mlFellowship holders can continue GradCare coverageunder the GradCare Continuance plan during periodswhen they are not receiving fundingCoverage may be continued for up to 18 monthsYou pay 102% of the full premium18
Comparing GradCare COBRA Ratesto IHI RatesIHI – effective 9/1/2015GradCare-COBRAYou Only 123.75 228.48You & Adult 243.50 456.96You & Child 243.50 401.88You & Children 363.25 401.88You, Adult & Children 363.25 630.3619
Potential Issues Automatic enrollment in IHI during thesummerGradCare enrollment delay in a newsemester International Center relies on BenefitsOffice/Wolverine Access informationBenefits Office relies on your department to sendyour paperwork to themAutomatic enrollment in IHI during OptionalPractical Training (OPT) period20
Key Points to Remember1.2.3.4.You and your dependents must have insuranceFollow the instructions to choose yourinsurance coverage & add your dependentsRead the details of your specific plan to find outany limits to coverage, which doctors to go to,potential costs, etc.If your GradCare plan ends during your F-1/J-1program, you & your family will be automaticallyenrolled in the International Health InsurancePlan21
Questions?BenefitsShared Services Center:734-615-20001-866-347-7657 (Toll Free)Benefits Office website:http://benefits.umich.eduShared Services Center email: sharedservices@umich.eduWolverine AccessAppointment information, update addresses, check benefits .jspBlue Care NetworkPhone: 800-658-8878Website: http://www.mibcn.comGradCare Provider an UM01&desc U-M Premier Care/GradCareGradCare Benefit Bookhttp://benefits.umich.edu/forms/gradcare bcn.pdfDental Plan html22
Choosing Your Benefits Some benefits are free, some have a cost (monthly premium) to you. If you choose benefits that have a cost, the premium will be automatically deducted from your paycheck. You may be billed retroactively. Check your benefit deductions on your pay
