Insurance Benefits

Online Orientation

We recommend you take a few minutes to view the online orientation presentation if you are interested in employment with the University of Mississippi. Remember, benefits are a part of your total compensation package.

Insurance Benefits

The University of Mississippi offers an array of pre- and post-tax insurance benefits. A brief description of each benefit is provided along with links to each provider website. Contact information; reference materials; and enrollment, demographic change, beneficiary change, and claim forms are available within each section of this page.

*Each Plan Document/Contract is the governing document when benefit information is in question.

Health Insurance Changes for 2014

The State and School Employees' Health Insurance Plan will experience benefit changes for calendar year 2014. An overview of these changes is available in the Summary of Health Plan Changes.

The attached memo from the Department of Finance and Administration, Office of Insurance provides explanation about the new out-of-pocket limit for the Select Plan.


State and School Employees' Health Insurance Plan

On-line Explanation of Benefits:

Effective February 1, 2011, the State Health Plan went live with a secure portal that allows participants to access personal information about healthcare claims and benefit information. The myBlue website provides access to Explanation of Benefits (EOB), ordering an identification card, and links to health plan information. The attached memo and poster provide instructions for creating an account on the secure site.

Pre-Tax Benefit Plans (Section 125 Cafeteria Plans)

  • State and School Employees' Health Insurance Plan
  • Delta Dental Insurance Coverage
  • Davis Vision Insurance Coverage
  • Flexible Spending Account
  • Accidental Death and Dismemberment
  • Cancer/Dreaded Disease and Intensive Care Plans

State Health Insurance Plan

The State and School Employees' Health Insurance Plan is a self-funded plan that provides 2 plan options (the Select Plan and the Base Plan, also referred to as the high deductible health plan-HDHP). Under both options the participant must meet a calendar year deducible before the Plan is responsible for payment of covered expenses.

Detailed information about each plan option is available in the Plan's Summary Plan Description. Run your cursor over the 'Publications' option then select the Summary Plan Description of choice. This document provides detailed information about plan deductibles, co-insurances, medical benefits, pharmacy benefits, adult wellness/preventive and well-child benefits in addition to other important Plan information.
Comparison of the Select Plan and Base Plan (HDHP)

Adult Wellness/Preventive Benefits

Benefits for wellness and preventive services are available for participants ages 18 and older.

In-Area Participants: Benefits are payable at 100% of allowable charge for up to two (2) office visits and certain diagnostic tests based on age and gender as defined by the plan. Services must be rendered by a Network provider.

Out-of-Area Participants: Benefits are payable at 100% of allowable charge for up to two (2) office visits and certain diagnostic tests based on age and gender as defined by the plan. Services must be rendered by a non-participating provider.

An all-inclusive list of covered procedures is available by visiting the state health plan's website.

Well Child Benefits

Covered dependents under the age of 18 receive selected well child benefits at 100% when services are rendered by an In-network provider. The ‘Age and Gender Guidelines' is available on the State Health Plan Web site. Run your cursor over the ‘Wellness/Preventive Coverage' option then select Well Child Care.
Visit the State Health Plan web site for the In-network provider list. Click on ‘Find a Participating Provider' and search by provider type.

Insurance Premiums

The University pays 100% of the premium for employee coverage under the Select Plan and a portion of the employee premium for the Base Plan (high deductible health plan). The employee is responsible for the cost of dependent coverage. Monthly rates comparison of the Select and Base Plan (HDHP) options to view the premium rate sheet for both plan options.

Dental Insurance

Comprehensive dental benefits are offered through a plan with Delta Dental Insurance Company. Employees have 2 options to select from: Low Option and High Option. Excluding orthodontia, benefits are the same for both plans. Co-insurances, annual limits, and monthly premiums vary by plan. View the plan's benefit flyer for a comparison of benefits and rates.

Participants receive benefits under this plan regardless of the dental care provider used. To take full advantage of plan benefits and incur less out-of-pocket expense participants are highly encouraged to utilize services of an In-PPO Network Provider. View the provider listing. In the drop down box under ‘Find a Provider' on Delta Dental homepage, select Delta Dental Premier or Delta Dental PPO. Providers are available nationwide.

Vision Insurance

The University is contracted with Davis Vision to provide employees with eye care benefits that include examinations, eyewear, and discounts on corrective vision procedures. Participants may receive services at any eye care provide nationwide; however, co-pays and special rates are only available when using an in-network provider. View the Davis Vision site. Click on the ‘Member' option and enter client code 7871 in the box entitled Open Enrollment / Discount Plan. Print a copy of the Davis Vision flyer and become more familiar with plan benefits.

Flexible Spending Accounts

If you are interested in receiving a tax break on medical and/or day care expenses, a flexible spending account may be of interest. Two plans are offered: Medical Reimbursement and Dependent Care. Under this program, pre-tax dollars collected through salary reduction are credited to a reimbursement account.
When expenses are incurred the participant must complete a Request for Reimbursement form. The reimbursement request form must be submitted to SABC. Once processed, the amount of the approved claim is direct deposited into your bank account on file with SABC.

This is a ‘use it or lose it' program which means participants will be forfeit monies left in their account at the end of the reimbursement period.

Learn more benefits associated with flexible spending accounts (i.e. plan limits, what is considered an eligible expense, approved period for incurring expenses, reimbursement request deadline, etc) in the University's Fringe Benefits Booklet, Plan Document, or visit the SABC website. Active participants can access iPlan Documentndividual account information through the SABC website to verify receipt of recently submitted claim requests, view status of a claim, verify annual election(s), and check account balances.

File claims online. Click here for more information.

Additional Information

Accidental Death & Dismemberment

Underwritten by National Union Fire Insurance Company of Pennsylvania, this plan provides income security in the event of an employee or family member's untimely death or in the case of dismemberment. Benefits are payable for loss of life in the case of accidental death or a percentage of the policy holder or dependent's principal sum in the event of dismemberment. Premiums are based on the type of plan (employee plan or family plan) and the amount of coverage selected.
The plan flyer provides an overview of plan benefits.

Cancer/Dreaded Disease and Intensive Care Policies

The University offers cancer/dreaded disease and intensive care policies with 2 companies (Life of Alabama and American Heritage). These plans pay benefits directly to the participant or beneficiary regardless of whether other insurance plans pay on covered expenses. Coverage is a supplement to other plan benefits and does not serve as a replacement for group health benefits.

Print brochures and compare plan benefits.

All enrollments are subject to underwriting.

Post-Tax Benefits

  • State and School Employees' Life Insurance Plan
  • Supplemental Life Insurance (underwritten by: UNUM)
  • Long-Term Disability (Standard Insurance Company)

State Life Insurance Plan

The State and School Employees' Life Insurance Plan is underwritten by Minnesota Life Insurance Company. Coverage is available for the employee only with a principal sum equal to 2 times the employee's annual salary up to the plan limit.

The university will pay one half the premium for coverage, if elected. Details of the plan are included in the University's Fringe Benefits Booklet or by visiting the State Health Plan site.

Coverage is guaranteed issue for new hires or employees who recently became eligible for benefits when enrollment is completed within 31 days of the qualifying event. All late applicants are subject to underwriting.

Beneficiary Designation: Beneficiary designations with the State Life Insurance Plan are made online via myBlue which is a secure & confidential system that is managed by the State Health Plan. Participants must complete the following steps to update beneficiary information.

  • Log into the myBlue website at https://myblue.bcbs.ms.com and click on the My Benefits tab.
  • Click the Life Benefits section and then click the link which will redirect you to Minnesota Life's online beneficiary management tool and follow the instructions to submit your beneficiary designation.

Supplemental Life Plan

Life insurance benefits for the employee and their family is available through coverage with UNUM. This plan enables the employee to enroll in coverage up to 6X salary, not to exceed plan limits; spousal coverage at varying increments up to $100,000; and dependent coverage no to exceed $10,000.

This is an age rated plan with 100% of the premium payable by the employee.

Read about the benefits in the Fringe Benefits Booklet or plan brochure.

Enrollment forms are completed during the scheduled consultation and paper completion session.

Long-term Disability

Are you concerned about meeting financial needs if you're unable to work due to an accident or injury. A long-term disability plan, underwritten by Standard Insurance Company, may provide you with the supplemental income you are seeking.

Subject to plan exclusions and limitations, a participant may be entitled to a percentage of monthly income for temporary, permanent, partial, or total disability.

There are 2 plan types to choose from: 90-day or 180-day plan. The plan type determines the length of time an employee is required to wait before receiving benefits.

This plan is available to employees only. The premium is based on the employee's age and selected plan type. A plan overview is available in the Fringe Benefits Booklet or plan brochure.

CONTACT INFORMATION

OPEN ENROLLMENT

The University holds an annual Open Enrollment each October. This event enables employees to enroll in new benefits, change existing benefit options, or cancel plans that are offered through the Section 125 cafeteria plan. Section 125 benefits are plans in which premiums are payroll deducted on a pre-tax basis. The following is a list of Section 125 benefits.

Section 125 includes

  • State and School Employees' Health Insurance Plan
  • Delta Dental Insurance Coverage
  • Davis Vision Insurance Coverage
  • Flexible Spending Account
  • Accidental Death and Dismemberment
  • Cancer/Dreaded Disease and Intensive Care Plans

All elections, changes, or cancellations made during Open Enrollment go into effect January 1st of the following calendar year. In the absence of a qualifying event, this is the only period of time during which Section 125 benefits may be enrolled, changed, or cancelled.