MEDICAL INSURANCE

Presbyterian, CIGNA, Blue Cross Blue Shield of NM

Benefits effective first of the pay period after 30 days of employment
Eligibility – regular employees working 20 hours per week (.5 FTE) or more
Enrollment form required
(Reference Policy 7.15)

Medical insurance is available to eligible Employees and dependents. Medical coverage is offered through the State of New Mexico’s benefit program. Employees may choose between Presbyterian Health HMO, Lovelace HMO, United Healthcare PPO or Blue Cross Blue Shield of New Mexico PPO (Plan Comparisons). Premium contributions are based on employee’s annual salary and a percentage is paid by the University (see chart’s below). Late enrollment is available with a 90 day waiting period after the date of enrollment. Pre-existing conditions apply for late enrollments. Please see individual Medical Benefit Summaries for details.

Prescription benefits are part of the Medical Plan and are available through a participating pharmacy or through home delivery service.

UNIVERSITY AND EMPLOYEE CONTRIBUTIONS

(For Medical, Life and Long-Term Disability)

Annual Salary	University Percent	Employee Percent
$0 - $26,249	80	20
$26,250 - $31,499	70	30
$31,500 +	60	40

12 - Month Employee Medical Insurance Contributions per pay period
effective July 1, 2008 - June 30, 2009

Plan	Coverage	Total Premium	Employee 20%	Employee 30%	Employee 40%
Presbyterian HMO	Employee Only	$185.10	$37.02	$55.53	$74.04
Presbyterian HMO	Employee + One	$416.46	$83.29	$124.94	$166.58
Presbyterian HMO	Employee + Child	$259.13	$51.83	$77.74	$103.65
Presbyterian HMO	Employee + Two or More	$546.02	$109.20	$163.81	$218.41
Lovelace HMO	Employee Only	$185.10	$37.02	$55.53	$74.04
Lovelace HMO	Employee + One	$416.46	$83.29	$124.94	$166.58
Lovelace HMO	Employee + Child	$259.13	$51.83	$77.74	$103.65
Lovelace HMO	Employee + Two or More	$546.02	$109.20	$163.81	$218.41
United Healthcare PPO	Employee Only	$215.27	$43.05	$64.58	$86.11
United Healthcare PPO	Employee + One	$484.37	$96.88	$145.31	$193.75
United Healthcare PPO	Employee + Child	$301.39	$60.28	$90.42	$120.56
United Healthcare PPO	Employee + Two or More	$635.05	$127.01	$190.52	$254.02
BCBSNM PPO	Employee Only	$215.27	$43.05	$64.58	$86.11
BCBSNM PPO	Employee + One	$484.37	$96.88	$145.31	$193.75
BCBSNM PPO	Employee + Child	$301.39	$60.28	$90.42	$120.56
BCBSNM PPO	Employee + Two or More	$635.05	$127.01	$190.52	$254.02
*Note: 9, 10 and 11 - month employees' annual premiums are paid over the academic year:

Presbyterian Summary Plan Description Booklet

Lovelace Summary Plan Description Booklet

United Healthcare Plan Description Booklet

Blue Cross Blue Shield Summary Plan Description Booklet

Vision Plan Services

Vision Plan Services (Spanish Version)

NOTE: This is a summary description of benefits available to New Mexico State University employees. This document does not set a contractual commitment of benefits. If you have any questions concerning benefits, please refer them to the Benefit Services Department.

For more details on the benefit programs please refer to Chapter 7 of the NMSU policy manual.