2020 Open Enrollment

Medical and Prescription Drug Coverage

Changes for 2020 are shown in bold, below. For a complete comparison chart, see your 2020 Enrollment Decision Guide.


Health Savings Plan

Classic Plan

Premier Plan

Annual Deductibles









Annual Out-of-Pocket Maximums









Prescription Drugs

Tier 1

10% after deductible is met



Tier 2

10% after deductible is met



Tier 3

10% after deductible is met



Prescription Drug Out-of-Pocket Maximum


Combined with medical annual out-of-pocket maximum







Optional Long-Term Disability (LTD) Insurance rates are decreasing for 2020! Take this opportunity to consider enrolling in this important benefit. University-paid LTD covers up to $20,000 of your annual base salary. Optional LTD can cover your annual salary over $20,000.

Critical Illness

Critical Illness Insurance pays you a cash benefit if you are diagnosed with a serious illness, like cancer, or experience a stroke or heart attack. The Critical Illness Insurance vendor will change to UnitedHealthcare, who offers expanded plan design options. Rates for 2020 will also change. Watch for details in your Open Enrollment packet and enroll this year during Open Enrollment.