2023年的福利概述如下. 看到 2023 Employee Benefit Guide 有关每个产品的其他详细信息.
Medical Insurance
Wittenberg University offers a complete 而且 comprehensive High Deductible 健康 Plan (HDHP) through Anthem Blue Cross Blue Shield. 为了获得最高级别的覆盖，尽可能使用网络内提供商. 圣歌网络是该地区最大的网络之一. Out-of-network coverage is available but will be covered at a lower rate 而且 members 是 responsible for a 单独的 out-of-network deductible.
The HDHP provides preventive c是 而且 preventive prescriptions at 免费* for covered members! We encourage members to take advantage of these no-cost preventive services 而且 prescriptions whenever possible. 处方保险是医疗计划的一部分. 2023年的四层Rx公式是 available here.
For non-preventive c是 or pharmacy, 在计划支付其部分之前，成员必须首先满足扣除额. After deductible is met, medical costs 是 covered at 100% 而且 prescriptions fall into the appropriate co-pay levels. After the deductible 而且 prescription co-pays reach the out-of-pocket limit all costs 是 covered 100%.
Therapy services 是 subject to prior authorization 而且 medical necessity 而且 your provider should work with Anthem to obtain these approvals prior to treatment. Once approved, therapy services 是 subject to deductible then covered at 100% after deductible is met.
详情请参阅HDHP福利摘要及 2023 率表 for monthly medical premiums.
*必须由供应商作为预防性服务或预防性处方进行收费
健康 Savings Account (保险公司)
Enrollment in a qualified HDHP allows members to contribute to a tax-advantages 健康 Savings Account (保险公司). The 保险公司 is a bank account in your name which both you 而且 Wittenberg can deposit funds to on a tax-free basis. 2023年, 维滕贝格将继续为保险公司做出贡献, on a pro-rated basis, 为参加单一医疗保险的员工支付650美元，1美元,300美元到所有其他医疗保险级别的雇员. You can use the funds in your 保险公司 to help pay your medical deductible 而且 prescription co-pays, plus other eligible medical, 牙科, 而且 愿景 expenses. Any funds in the account that you do 不 spend will roll over into the next year 而且 remain available to you. The 保险公司 is your bank account 而且 should you leave Wittenberg you may take the account with you for use on future qualified healthc是 expenses. 请参阅关于保险公司的完整信息 www.国税局.政府 可能的排除和资格限制. 看到 Chard Snyder 保险公司 flyer for additional details 而且 the 保险公司 sample scenarios 了解保险公司如何与bt365体育的医疗保健计划协同工作.
牙科 Insurance
Wittenberg University offers 牙科 coverage to eligible employees through Superior 牙科 C是. You may see any 牙科 provider you wish but will have the highest level of coverage when you use an in-network provider. The 牙科 plan offers a wide network of providers 而且 offers coverage for routine preventive visits, basic 而且 major services. Please see the 牙科 Benefit Summary for details 而且 the 2023 率表 for monthly 牙科 premiums. (2023年的牙科保费不变!)
愿景 Insurance
Wittenberg University also provides you with the option to enroll in our 愿景 plan through Anthem Blue View 愿景. 远景计划是一个“只使用材料”的计划. The 愿景 exam will continue to be a preventive service under the Anthem medical plan. The materials only Blue View 愿景 plan includes coverage for eye glasses 而且 contracts, 以及各种镜片增强的折扣. Please see the full 愿景 Benefit Summary for details 而且 the 2023 率表 for monthly 愿景 premiums. 2023年的视野加成不变!)
Flexible Spending & Dependent C是 Accounts
Eligible employees have the opportunity to enroll in a Flexible Spending Account (FSA), 有限灵活开支帐户(LMT), 和/或通过查德·施耐德(Chard Snyder)的抚养支出账户(DCA). 这些账户允许你留出税前美元来支付合格的医疗保健, 愿景, 牙科, or dependent c是 expenses. Participants pay no federal or state income taxes on the money placed in an FSA, LMT, or DCA. As you incur eligible expenses, use your Chard Snyder debit card to pay at the point of service or submit the appropriate paperwork to be reimbursed by your account. 最多610美元的FSA或LMT美元可以结转到下一年. DCA不允许资金结转，未使用的资金将被没收. 看到 Chard Snyder FSA flyer for additional details.
自愿/补充人寿保险
Employees have the option to apply for 而且 purchase additional voluntary life insurance(s) during this Annual Enrollment period. 自愿人寿保险费100%由员工通过工资扣除支付. 保费以团体费率计算，并以您的年龄为基础. The employee must elect voluntary coverage on their own life in order to elect voluntary coverage on their spouse 而且/or children's lives. 为员工购买保险的选项是10,000的增量, for the spouse in 5k increments, 而且 for children a flat 10k. 可能需要健康证明书(SOH). 看到 2023 率表 每月补充人寿保费. Employees enrolled in voluntary supplemental life insurances 是 eligible for the following free services:
