Wittenberg self-insures its health care plan and is a member of the ELCA-related University & College Employees' Health Benefit Trust. The university participates in a Preferred Provider Organization (PPO). For an employee who sees a PPO provider, there is a $15 co-pay for office visits, and benefits are paid at 90 percent. For providers not a member of the PPO, the benefits are paid at 70 percent.

A new employee has 30 days from the date of employment to elect coverage, and coverage is effective on the first of the month following the date of employment. The university pays 80 percent of the cost of the monthly contribution, and the employee is responsible for the remaining 20 percent. Plan types and current employee costs are as follows:

Single $108/month*
Single Plus One $262/month*
Family $403/month*

*Rates effective October 1, 2009. Contribution rates are subject to change.

Wellness Benefit
The University's plan encourages preventive care. The plan pays 100 percent of the first $500 each calendar year for routine physicals and related lab fees. No deductible will be applied to these services.

Prescription Drugs

Retail Pharmacy - Participants receive a 30 day supply and the cost is the lessor of 20% or $30.

Mail Order Pharmacy - To save money on the cost of prescription drugs, participants are strongly encouraged to use the Caremark mail service program for all maintenance medications.  A 90-day supply costs $15 for generic medications or $25 for name brand medications. The first time that you use the service, you will need to submit a mail service order form with the prescription.  Thereafter,  you can order your refills on-line or by phone.

Deductibles
$400 per person & $800 per family each calendar year

Out-of-Pocket Maximums
$1000 per person & $1,800 per family each calendar year

Dental Coverage
The Dental plan is not part of the PPO. The plan covers 100 percent of the cost for two examinations/cleanings each calendar year, pays 80 percent for basic procedures, and 50 percent of major procedures up to the maximum limit of $1,500 each calendar year for you and each of your dependents. Deductibles: $25 per person & $75 per family

Orthodontia benefits are available for dependents 19 years and younger. The plan pays 50 percent up to a maximum benefit of $1,000.

Links
Principal - The Principal Life Insurance Company processes all claims for the health & dental insurance. Access up-to-date information about your benefits, 24 hours a day, seven days a week. View information about services available and instructions on setting up your account at Principal eService Instructions.

Ohio Health Choice - Preferred Provider Network (PPO). Access this website to find a list of physicians/providers.

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