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Health Insurance
The information on this page relates to health insurance options effective January 1, 2012.
This information is only a summary of the benefits available to University of Georgia employees. The provisions and details of each plan described in this document are governed by the contracts negotiated between the University of Georgia, the University System of Georgia, and individual insurance companies. All benefits are subject to change at the discretion of the Board of Regents or the University of Georgia. If there is a difference between the information in this summary and the actual benefit contracts, the terms and conditions of the contracts prevail.
The University of Georgia offers its benefit-eligible employees a choice of four medical plans provided by the University System of Georgia. The University System health plans are specifically designed to help employees avoid severe financial difficulty when facing catastrophic medical expenses.
Premium rates are adjusted periodically
to maintain the plans on a sound financial basis.
Premiums are deducted from your payroll check before
federal, state, and FICA taxes are applied.
Health insurance enrollment:
If you wish to enroll in the University System health plan, you must do so within 31 days of your employment date. If you do not enroll during this period, you must wait until the annual open enrollment period, unless you experience an IRS-approved life event change.
New-hire coverage start dates
Benefits coverage begins the first day of the month following the date the employee enrolls using the MyBenefits system. HOWEVER, if an employee's hire/start date is the first day of the month and the employee enrolls on or before his/her hire date, coverage will begin on the hire date.
Newly-hired ACADEMIC CONTRACT FACULTY ONLY: Benefits coverage will begin on the first day of the contract IF the faculty member enrolls on or before the contract date. If the contract faculty member enrolls after his/her contract start date, benefits will start on the first day of the month following enrollment.
Covering dependents:
 You must provide supporting documentation in order to cover dependents on your health plan. If you do not provide this documentation as you are enrolling, your dependent will NOT be added to your coverage.
Eligible employees may choose one of two health plans for 2012:
- Open Access POS
- HSA Open Access POS
No new enrollments permitted:
- Blue Choice HMO (enrollment frozen; no enrollments to take effect 1/1/12 or after)
- Kaiser Permanente HMO (enrollment frozen; no enrollments to take effect 1/1/12 or after)
For Open Access POS Plan Participants:
Open Access POS health plan information for 2012:
To locate providers (in Georgia and national) in the Blue Open Access POS network, you may call Blue Cross Blue Shield using the toll-free customer service number (1-800-424-8950) on the back of your health insurance card or use the instructions below to look up providers:
- Go to bcbsga.com/bor
- Select “Find a Doctor.”
- Select “Georgia Providers for Individual Plans and Group Plans (through your employer)”
- In the “Basic Information” tab at left, select the type of provider you are searching for (ex. “doctor & other health professionals), type in the name of your physician, and select how you will search: by zip code or by city and state.
- IMPORTANT--In the “Insurance Plan Information” tab, select “Find my plan using my Alpha Prefix” and type AGF in the field.
- Scroll down and select the SEARCH button.
- To find additional doctors, select FIND A DOCTOR at right, select the GO button and type in a doctor’s name, then select the SEARCH button again.
International network: Go to bcbsga.com/bor. Under the "Learn more" heading, select Bluecard WorldWide. Accept the terms and conditions and in the Alpha Prefix box, type AGF. Follow the instructions to locate providers.
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For HSA (high deductible) Open Access POS Plan Participants:
IMPORTANT -- Individuals with J-1/J-2 Visa status are not eligible to select the HSA Open Access POS health plan.
Indivduals who enroll in the HSA Open Access POS plan are eligible to open a health savings account (HSA). The Board of Regents has an agreement with US Bank whereby you may contribute to your HSA via pre-tax payroll deduction. You are not required to use USBank, but if you choose another HSA, you will NOT be able to use the payroll deduction feature. If you enroll in the HSA PPO plan, you will receive a welcome kit from USBank.
EMPLOYER MATCH: Employees who open a US Bank HSA for 2012 (or have a current HSA with US Bank) are eligible to receive an employer “match” for contributions to their health savings accounts, based on their own contributions via payroll deduction. Employees with individual coverage can receive a maximum match of $375. Employees with more than individual coverage can receive a maxiumum match of $750. If you do not make any contributions via payroll deduction to an HSA at US Bank, you will not receive any matching money.
Estimate your drug costs under the HSA PPO plan. Visit the BOR Blue Cross Blue Shield site. Under "Learn More," select "Drug Cost Estimator."
Which preventive care procedures are covered at 100% for the HSA PPO? View the Blue Cross Blue Shield preventive health guidelines.
HSA Open Access POS health plan information for 2012:
To locate providers (in Georgia and national) in the Blue Open Access POS network, you may call Blue Cross Blue Shield using the toll-free customer service number (1-800-424-8950) on the back of your health insurance card or use the instructions below to look up providers:
- Go to bcbsga.com/bor
- Select “Find a Doctor.”
- Select “Georgia Providers for Individual Plans and Group Plans (through your employer)”
- In the “Basic Information” tab at left, select the type of provider you are searching for (ex. “doctor & other health professionals), type in the name of your physician, and select how you will search: by zip code or by city and state.
- IMPORTANT--In the “Insurance Plan Information” tab, select “Find my plan using my Alpha Prefix” and type AGF in the field.
- Scroll down and select the SEARCH button.
- To find additional doctors, select FIND A DOCTOR at right, select the GO button and type in a doctor’s name, then select the SEARCH button again.
International network: Go to bcbsga.com/bor. Under the "Learn more" heading, select Bluecard WorldWide. Accept the terms and conditions and in the Alpha Prefix box, type AGF. Follow the instructions to locate providers.
HEALTH SAVINGS ACCOUNT (HSA) INFORMATION
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For BlueChoice HMO Plan Participants:
BlueChoice HMO health plan information for 2012:
(Enrollment frozen; no enrollments to take effect January 1, 2012 or after)
- View the HMO Health Plan summary document.
- 24/7 NurseLine: 1-888-724-2583
- Blue Cross Blue Shield of Georgia Behavioral
Health: 1-800-292-2879
- To locate providers in the BlueChoice HMO network, you may call Blue Cross Blue Shield using the toll-free customer service number (1-800-424-8950) on the back of your health insurance card or use the instructions below to look up providers:
- Go to bcbsga.com/bor
- Select “Find a Doctor.”
- Select “Georgia Providers for Individual Plans and Group Plans (through your employer)”
- In the “Basic Information” tab at left, select the type of provider you are searching for (ex. “doctor & other health professionals), type in the name of your physician, and select how you will search: by zip code or by city and state.
- IMPORTANT--In the “Insurance Plan Information” tab, select “Browse and select my plan."
- Under "What state do you line in?" select Georgia.
- Under "Select the type of Health/Medical plan you have," select Health Maintenance Organization."
- Under "Based on that plan type, select your plan," select BlueChoice Healthcare Plan.
- Scroll down and select the SEARCH button.
- To find additional doctors, select FIND A DOCTOR at right, select the GO button and type in a doctor’s name, then select the SEARCH button again.
- Can I cover my children over age 19?
- HMO coverage while traveling.
- View the Preferred
Drug List (members only)
- Non-HMO participants may view the Preferred Drug List by visiting
http://www.bcbsga.com and selecting "Customer Care," selecting "Download forms," under the Pharmacy heading, select either the BCBSGA Drug List (Tiered) or the BCBSGA Generic Premium Drug List.
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For Kaiser Permanente HMO Plan Participants:
 Kaiser Permanente facility in Athens! 2142 W. Broad Street, 30606
Kaiser Permanente HMO health plan information for 2012:
(Enrollment frozen; no enrollments to take effect January 1, 2012 or after)
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Continuation
of health benefits (COBRA)
If your employment has been terminated, you may be eligible to continue your UGA health insurance.
View
additional information about COBRA.
View other forms
related to your health insurance.
Questions about the
University System health insurance plans may be
directed to UGA Human Resources at benefits@uga.edu or 706-542-2222 or
to Blue Cross Blue Shield of Georgia's dedicated
customer service department at 1-800-424-8950.
February 1, 2012
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