Premiums | University of Arkansas System Benefits

The university provides flexible and affordable medical plans with no-cost wellness benefits. Optional vision and dental plans are available for eligible employees, too. You and your campus share the cost of your health plan premiums for medical, dental and vision coverage. Premiums are based on the plan and tier level you choose (e.g., employee only coverage, employee and spouse coverage, employee and children coverage or employee, spouse and children coverage). Premiums may change each year.

Medical: Classic Plan

Salaries below $39,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$41.50	$218.55	$71.00	$189.05
Employee & Spouse	$151.50	$457.05	$258.00	$350.55
Employee & Child(ren)	$111.00	$375.90	$189.00	$297.90
Emp., Sp. & Child(ren)	$200.00	$640.48	$340.00	$500.48

Salaries $39,000-$59,999
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$46.00	$214.05	$78.50	$181.55
Employee & Spouse	$189.00	$419.55	$321.50	$287.05
Employee & Child(ren)	$135.00	$351.90	$229.50	$257.40
Emp., Sp. & Child(ren)	$225.00	$615.48	$382.50	$457.98

Salaries $60,000-$100,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$49.00	$211.05	$83.50	$176.55
Employee & Spouse	$207.50	$401.05	$353.00	$255.55
Employee & Child(ren)	$151.00	$335.90	$257.00	$229.90
Emp., Spouse & Child(ren)	$258.00	$582.48	$439.00	$401.48

Salaries above $100,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$54.50	$205.55	$93.00	$167.05
Employee & Spouse	$231.50	$377.05	$394.00	$214.55
Employee & Child(ren)	$171.00	$315.90	$291.00	$195.90
Emp., Spouse & Child(ren)	$295.00	$545.48	$501.50	$338.98

Medical: Health Savings Plan

Salaries below $39,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$29.04	$196.65	$36.64	$189.05
Employee & Spouse	$57.70	$457.05	$164.20	$350.55
Employee & Child(ren)	$47.55	$375.90	$125.55	$297.90
Emp., Sp. & Child(ren)	$77.81	$640.48	$217.81	$500.84

Salaries $39,000-$59,999
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$33.09	$192.60	$44.14	$181.55
Employee & Spouse	$95.20	$419.55	$227.70	$287.05
Employee & Child(ren)	$71.55	$351.90	$166.05	$257.40
Emp., Sp. & Child(ren)	$102.81	$615.48	$260.31	$457.98

Salaries $60,000-$100,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$35.79	$189.90	$49.14	$176.55
Employee & Spouse	$113.70	$401.05	$259.20	$255.55
Employee & Child(ren)	$87.55	$335.90	$193.55	$229.90
Emp., Spouse & Child(ren)	$135.81	$582.48	$316.81	$401.48

Salaries above $100,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$40.74	$184.95	$58.64	$167.05
Employee & Spouse	$137.70	$377.05	$300.20	$214.55
Employee & Child(ren)	$107.55	$315.90	$227.55	$195.90
Emp., Spouse & Child(ren)	$172.81	$545.48	$379.31	$338.98

Medical: Premier Plan

Salaries below $39,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$175.52	$218.55	$205.02	$189.05
Employee & Spouse	$475.69	$457.05	$582.19	$350.55
Employee & Child(ren)	$360.92	$375.90	$438.92	$297.90
Emp., Sp. & Child(ren)	$645.60	$640.48	$785.63	$500.45

Salaries $39,000-$59,999
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$180.02	$214.05	$212.52	$181.55
Employee & Spouse	$513.19	$419.55	$645.69	$287.05
Employee & Child(ren)	$384.92	$351.90	$479.42	$257.40
Emp., Sp. & Child(ren)	$670.60	$615.48	$828.13	$457.95

Salaries $60,000-$100,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$183.02	$211.05	$217.52	$176.55
Employee & Spouse	$531.69	$401.05	$677.19	$255.55
Employee & Child(ren)	$400.92	$335.90	$506.92	$229.90
Emp., Spouse & Child(ren)	$703.60	$582.48	$884.63	$401.45

Salaries above $100,000
	75% - 100% Semi-Monthly Employee Contribution	75% - 100% Semi-Monthly Employer Contribution	50% - 74% Semi-Monthly Employee Contribution	50% - 74% Semi-Monthly Employer Contribution
Employee Only	$188.52	$205.55	$227.02	$167.05
Employee & Spouse	$555.69	$377.05	$718.19	$214.55
Employee & Child(ren)	$420.92	$315.90	$540.92	$195.90
Emp., Spouse & Child(ren)	$740.60	$545.48	$947.13	$338.95

Dental

	75% - 100%		50% - 74%
	Semi-Monthly Employee Contribution	Semi-Monthly Employer Contribution	Semi-Monthly Employee Contribution	Semi-Monthly Employer Contribution
Employee Only	$8.00	$8.16	$10.57	$5.59
Employee & Spouse	$16.53	$16.80	$21.82	$11.51
Employee & Child(ren)	$13.93	$14.20	$18.39	$9.74
Emp., Sp. & Child(ren)	$22.45	$22.85	$29.63	$15.67

Vision

	Basic Semi-Monthly Employee Contribution	Enhanced Semi-Monthly Employee Contribution
Employee Only	$2.34	$4.74
Employee & Spouse	$4.65	$9.37
Employee & Child(ren)	$4.55	$9.18
Emp., Sp. & Child(ren)	$6.92	$13.96

Employee Life Insurance*

Current Age	Basic	Optional
Less than 30	100% employer paid	$0.037
30 but < 35		$0.053
35 but < 40		$0.060
40 but < 45		$0.075
45 but < 50		$0.112
50 but < 55		$0.172
55 but < 60		$0.321
60 but < 65		$0.493
65 but < 70		$0.950
70 & older		$1.533

* Rates are per $1,000 of coverage.

To calculate your monthly premium:

Multiply your annual salary by 1, 2, 3, or 4 (based on your coverage election). Round to the next $1,000.
Divide by $1,000.
Multiply by Age Rate, above.

Dependent Life Insurance

Spouse Coverage*	Semi-Monthly Employee Contribution
$10,000	$1.43
$15,000	$2.14
$20,000	$2.85

* Eligible dependent children are covered at 50% of spouse coverage.

Short Term Disability

Basic	Supplemental*
100% employer paid	$0.285 per $100 of covered annual salary

* Supplemental STD covers 60% of the first $4,153 of your weekly pre-disability earnings.

Long Term Disability

Basic	Buy-Up*
100% employer paid	$0.546 per $100 of annual base salary

* Enroll only if salary is over $20,000. Maximum salary to be used in calculation is $500,000.

Accidental Death and Dismemberment (AD&D) Insurance

Coverage	Single	Family
Per $1,000 of coverage	$0.015	$0.030

Spouse covered for 60% of coverage amount and eligible dependent children for 20% of family coverage amount. Coverage in excess of $150,000 will be limited to the lesser of $300,000 or 15 times employee’s salary (rounded up to next $25,000).

Critical Illness Insurance

Coverage Option 1: $10,000 (Semi-Monthly Rates)	Employee Only	Employee and Spouse	Employee and Children	Employee, Spouse and Children
Under 25	$0.70	$1.35	$1.20	$1.85
25-29	$0.95	$1.85	$1.45	$2.35
30-34	$1.30	$2.50	$1.80	$3.00
35-39	$1.80	$3.55	$2.30	$4.05
40-44	$2.90	$5.80	$3.40	$6.30
45-49	$4.70	$9.65	$5.20	$10.15
50-54	$6.85	$14.35	$7.35	$14.85
55-59	$9.40	$19.90	$9.90	$20.40
60-64	$13.35	$28.35	$13.85	$28.85
65-69	$19.20	$39.45	$19.70	$39.95
70-74	$13.68	$26.63	$14.18	$27.13
75+	$19.08	$34.53	$19.58	$35.03

Coverage Option 2: $20,000 (Semi-Monthly Rates)	Employee Only	Employee and Spouse	Employee and Children	Employee, Spouse and Children
Under 25	$1.40	$2.70	$2.40	$3.70
25-29	$1.90	$3.70	$2.90	$4.70
30-34	$2.60	$5.00	$3.60	$6.00
35-39	$3.60	$7.10	$4.60	$8.10
40-44	$5.80	$11.60	$6.80	$12.60
45-49	$9.40	$19.30	$10.40	$20.30
50-54	$13.70	$28.70	$14.70	$29.70
55-59	$18.80	$39.80	$19.80	$40.80
60-64	$26.70	$56.70	$27.70	$57.70
65-69	$38.40	$78.90	$39.40	$79.90
70-74	$27.35	$53.25	$28.35	$54.25
75+	$38.15	$69.05	$39.15	$70.05

Accident Insurance

Semi-Monthly Rates	Option 1: $20,000	Option 2: $30,000	Option 3: $50,000
Employee	$1.91	$2.52	$3.33
Employee + Spouse	$3.03	$4.00	$5.29
Employee + Child(ren)	$3.53	$4.85	$6.57
Family	$5.50	$7.50	$10.12

Hospital Indemnity Insurance

Semi-Monthly Rates	Option 1: $500	Option 2: $1,000	Option 3: $1,500
Employee	$2.87	$4.75	$6.63
Employee + Spouse	$5.67	$9.41	$13.15
Employee + Child(ren)	$4.81	$8.17	$11.54
Family	$8.08	$13.67	$19.26

Voluntary Benefits

Group Rated Auto/Home Insurance: Rates quoted year round from Farmers.
Identity Theft: Contact ID Watchdog at 866.513.1518 for premiums.
Legal Protection through LegalShield:
- Basic Coverage: $9.48
- Basic Coverage (Nevada, New York, Massachusetts): $10.98
- Home Business Supplement: $7.48 (Important: You must enroll in Basic Coverage to elect the Home Business Supplement.)