Adjunct Faculty Benefit Plans
This booklet will summarize the benefits available to you as an Adjunct faculty member of Community College of Philadelphia.
Medical Plan Options
Medical coverage represents the foundation of your benefit plan protection. You are eligible for this coverage on the 1st day of the month following your date of hire as an adjunct faculty member. The College offers two medical plan options, both with Independence Blue Cross. 1. Flex Personal Choice 2. Keystone Point-of-Service (KPOS) It’s important that you carefully review the descriptions of covered services and supplies for these medical plan options and assess your medical needs before making your benefits selections. Flex Personal Choice - is a PPO option a preferred provider organization. You may select network associated general practitioner, pediatric and specialty doctors. Under a PPO, you do not need to select a primary care physician (PCP), nor do you need to receive prior approval from a primary care physician (PCP) before seeking advice from a specialist or for emergency room treatment. You also have the opportunity to be treated by a non-participating doctor and still receive partial reimbursement. Keystone Point-of-Service (KPOS) – is a type of HMO (health maintenance organization) option. An HMO plan operates under different guideline than the Personal choice option. First, you select your primary care physician (PCP) from a list of participating doctors. If you wish to see a specialist or visit the emergency room, normally you must first get a referral from your primary care physician (PCP). The KPOS medical plan also permits you to receive some healthcare service out-ofnetwork, after payment of a deductible. Out-of-network expenses are also subject to co-insurance. Eligibility Requirements Newly hired employees may sign up for coverage within 30 days of start date. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage etc.) Cost of Medical Plan Coverage For Pools I and II , the College will pay 50% of the more expensive single (employee only) coverage. For Pools III and above the College will pay 75% of the more expensive single (employee only) coverage.
Medical Plan
Personal Choice
In-Network Medical Deductible Employee Family Medical Coinsurance Out-of-Pocket Maximum Employee Family Lifetime Maximum Doctor’s Office Visits Primary Care Physician Specialist Services Routine GYN Exam/PAP Pediatric Immunizations Inpatient Hospital Services Inpatient Hospital Days Inpatient Hospital Services Outpatient Surgery Emergency Room Out-of-Network
Keystone POS
Referred Care Self-referred Care $300 $900 80%
$0 $0 None
$500 $1,500 None
$0 $0 None
None None Unlimited $10 Copayment $20 Copayment $10 Copayment 100% 100% Unlimited 100% 100% $100, not waived if admitted 100%
$1,500 $4,500 $1,000,000 70%, after deductible 70%, after deductible 70%, No deductible 70%, No deductible 70%, after deductible 70 70%, after deductible 70%, after deductible $100, not waived if admitted 70%, after deductible
None None Unlimited $5 Copayment $5 Copayment $5 Copayment 100% 100% Unlimited 100% 100% $35, waived if admitted 100%
$2,000 $6,000 $1,000,000 80%, after deductible 80%, after deductible 80%, No deductible 80%, No deductible 80%, after deductible 120 80%, after deductible 80%, after deductible $35, waived if admitted 80%, after deductible
Laboratory Services
Prescription Drug Benefits
Your prescription drug benefits are provided to you through a “free-standing” drug plan (Medco). Your prescriptions can be filled at pharmacies both locally and throughout the country – with a 30-day supply. If you are taking a “maintenance” medication, you can use the mail order option and receive a 90-day supply. Medications provided via mail order are subject to only one (1) co-pay, so you save both time and money! Eligibility Requirements Newly hired employees may sign up for coverage within 30 days of start date. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage, marriage, divorce, etc.) Cost of Prescription Plan There is no contribution from the College. Employee pays 100% of monthly premium cost.
Summary Chart Prescription Drug
Generic Co-Pay Brand Co-Pay Supply Limit # Days Generic Co-Pay Brand Co-Pay Supply Limit # Days
Retail
$5 $15 30
Mail Order
$5 $15 90
Dental Plan Options
The College offers two dental plan options: 1. Delta Dental – a dental PPO option, which offers you the option to select a dentist from their DeltaPremier or DeltaPreferred list of participating dentist, or use a dentist from outside of the network. 2. United Concordia – a dental HMO option, which means that you must select a primary dentist from a list of participating dentists. The chart below will provide you with a comparison overview of dental benefit coverages under the College’s two (2) plan options. More detailed information is provided at enrollment time, including plan exclusions and limitations. Eligibility Requirements Newly hired employees may sign up for coverage within 30 days of start date. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage, marriage, divorce, etc.) Cost of Prescription Plan There is no contribution from the College. Employee pays 100% of monthly premium cost.
Summary Chart
Delta Dental Paid by Delta Paid by Patient 100% 0% 100% 0% 100% 0% 100% 0% United Concordia Paid by United Paid by Patient Concordia 100% 0% 100% 0% 100% 0% Various based on treatment from $0 - 284 100%, Various based on less copayment treatment from $19 - $158 100%, Various based on less copayment treatment from $0 - $231 100%, Various based on less copayment treatment from $0 - $100 100%, Various based on less copayment treatment from $25 - $353 100%, Various based on less copayment treatment from $0 - $256 100%, Various based on less copayment treatment from $440 - $2,530 100%, less copayment
Diagnostic Preventative Basic Restorative Major Restorative
Oral Surgery
100%
0%
Endodontics
100%
0%
Periodontics
50%
50%
Prosthodontics (full or partial)
50%
50%
Denture Repair
100%
0%
Orthodontics
50%
50%
Orthodontics Lifetime Limit
$1,000/patient
balance
Note: Maximum benefit $1,700 per person based on a calendar year for services provided by Delta Dental PPO dentists or $1,500 per person based on a calendar year for services provided by Delta Dental Premier and Non-Participating dentists.
Basic Life Insurance and AD&D
The College provides basic life and AD&D (Accidental Death & Dismemberment) insurance protection. Eligibility Requirements Adjunct Faculty are eligible for the Group Life Insurance, at the conclusion of the semester in which they earn twelve (12) seniority units or more. The face value of this term life insurance policy is $16,000. You must be actively working in each semester of coverage. Cost of Basic Life and AD&D Monthly premium costs are split 50/50 between the College and adjunct faculty member.
Retirement Plan Benefits
The college provides a basic 403(b) retirement plan with TIAA-CREF and Fidelity. The College contributes 5% of your base pay each pay period. You are required to contribute 5% of your base pay each pay period. All funds are 100% vested when contributed.
You may contribute additional funds to the retirement plan if you wish, up to the maximum permitted under federal law. You can elect to contribute in the form of a percentage of you base pay, or as a fixed dollar amount each pay period. These extra contributions are either: Additional Basic Contributions: which must be invested with the same provider (TIAA-CREF or Fidelity) and in the same funds as your mandatory basic contributions. Supplement Contributions: may be invested with a different provider and/or different funds than your mandatory basic contributions.
Under certain limited situations, a College employee may be eligible for the SERS or PERS. Please contact a member of Benefits area in Human Resources for more information. Eligibility Requirements Adjunct Faculty are eligible for the retirement plan, at the conclusion of the semester in which they earn four (4) seniority units or more.
Tuition Remission
The College will provide full remission of tuition and general fees for one course per semester taken at the College provided s/he was employed during the previous semester or is currently employed. Non-credit courses are not eligible for tuition remission. Eligibility Requirements Adjunct faculty in Pools I – VI are eligible to take one course per semester. Adjunct faculty in Pools VII and above shall be entitled to two courses per semester for themselves and their dependents.
Computer Loans
The College will provide a computer loan program for employees to participate for a period of two (2) years from the date of the loan. Eligibility Requirements Adjunct faculty in Pools X and above.
Short Term Disability (STD) and Travel Fund
Short Term Disability and the Travel Fund are administered through the Adjunct/Visiting Lecturer Federation. To receive further information on how these programs work please contact the federation at ext. 8600.
Medical Plans
Prescription Drug
Dental Plans
Life Insurance and AD&D Retirement (403 B) Tuition Remissions
Computer Loan Disability Benefits
Eligibility Requirements New Employees - within 30 days of hire date Existing Employees – During Open Enrollment or a Life Changing Event New Employees - within 30 days of hire date Existing Employees – During Open Enrollment or a Life Changing Event New Employees - within 30 days of hire date Existing Employees – During Open Enrollment or a Life Changing Event Must complete 12 seniority units Must complete 4 seniority units Pools I – VI one credit course per semester Pools VII and above two credit courses per semester Pool X and above Administered by the Federation