Drexel University is committed to providing high-quality health, dental and vision care to regular full- and part-time employees. As a subsidized benefit, these plans require an employee contribution. All employee contributions are made through payroll deduction on a pre-tax basis.
2019 Plan Rate Summaries
The Benefits plan offers the following medical coverage options, allowing employees to pick the best plan for them.
Keystone POS and Personal Choice Plans:
High-Deductible Health Plan (HDHP):
The Drexel HDHP is a high-quality, low cost medical plan, with a higher deductible than the Keystone POS and Personal Choice plans and is offered in conjunction with a Health Savings Account (HSA).
An HSA is a tax-advantaged medical savings account owned by the faculty or professional staff member and designed to be used in conjunction with a federally qualified high deductible health insurance plan. Money contributed to the account is not subject to federal tax at the time of deposit (pre-tax dollars). Unlike amounts in flexible spending accounts that are forfeited if not used by the end of the year, unused HSA funds remain available for use in later years, are portable and can grow tax-free through investment earnings, just like an IRA.
HSA funds can be used to save for future medical expenses or help bridge the gap to benefits until the annual health plan deductible is met. The University will contribute up to $500 to each HSA account with individual coverage or $1,000 for those with family coverage based on the effective date of their enrollment.
HSA administration is with Benefitexpress, partnered with OptumBank. Enrollees will be able to make mid-year changes to their contributions and view account information and transactions through the My Drexel Benefits portal, accessed by logging in to DrexelOne, under the Employee Tab.
|Effective Date of Coverage
||Employee Only Coverage
||Employee + Dependent Coverage
|January 1 – March 31
|April 1 – June 30
|July 1 – September 30
|October 1 – December 31
|* Employer funding will be credited in your HSA account after your first medical premium deduction.
Online Benefits Management:
- The Independence Blue Cross website allows members to search for participating providers, print out temporary ID cards, request new ID cards, and view processed claims.
- Drexel Medicine participating doctors can be found at drexelmedicine.org.
- Changes to your benefit elections can be made through the My Drexel Benefits online portal, accessed under the Employee tab of DrexelOne.
Prescription Drug Coverage
OptumRx is Drexel University's prescription coverage provider. The same prescription drug coverage is included in all medical plans. However, those enrolled in the High Deductible Health Plan must meet their plan's deductible before the co-pays apply. Individuals on maintenance medications have reduced co-pays if they utilize the mail order program or a participating retail pharmacy for a 90 day supply.
Online Benefits Management: The OptumRx website allows members to order prescriptions to be delivered by mail, price and compare drugs, and access health and medication information.
Medical/Prescription Coverage Waiver Bonus
Full-time benefits eligible faculty and professional staff who have coverage through a spouse or other source (other than Medicare), may waive their medical benefit to receive a credit. Employees can earn up to $800 in waiver credits yearly. In combination with participation in the Wellness Incentive Program, which can earn up to $650 yearly (for eligible employees and their spouse/domestic partner), that's an annual total of $1,450 in incentives.
To receive the medical waiver credit, employees must actively waive in either their new hire enrollment window timeframe, or during the University's designated Open Enrollment period before the new plan year.
Employees who waive their medical/prescription coverage are required to submit a new waiver, along with a form yearly, for verification purposes.
The verification process is completed by the Benefitexpress team. A waiver form and supporting documentation must be approved and the waiver credit will post in next available pay. The waiver credit will pend until documentation is approved.
Drexel University offers employees two dental options, a Base and a Preferred plan, both through CIGNA. These plans operate as fee-for-service dental plans and provide a solid base of preventive and restorative services. The Preferred plan, however, provides higher reimbursement percentages for most dental services.
Cigna does not send out insurance cards to participants. Generic cards are available at the front desk of the Human Resources suite or a personalized ID card can be printed after creating an online account at myCIGNA.com.
Both plans utilize the "core" network and have the group number 3333911.
Drexel's vision plan is offered through Davis Vision, administered through Independence Blue Cross. This plan offers coverage for services such as eye exams, frames and lenses, contact lenses as well as discounts on select eye care supplies. Davis Vision provides a schedule of in-network and out-of-network vision care services.
Vision insurance cards are mailed to participants from Independence Blue Cross and are similar in appearance to the medical cards. They can be identified by the word "Vision" at the bottom of the card.
Online Benefits Management: Employees can search for preferred vendors in the "Search for additional IBC providers, including vision and pharmacy" link located under the Find a Doctor section of the Independent Blue Cross website.
Benefits for Domestic Partners
Domestic partners are eligible to receive health benefits through Drexel University. Both opposite-sex and same-sex partners are eligible. For more information please visit the My Drexel Benefits portal through the Employee tab of DrexelOne.
Have you considered Drexel for your healthcare needs?
We continue to encourage you to utilize Drexel Medicine for your healthcare needs. Drexel Medicine delivers exceptional, patient-focused health care to the Philadelphia region through their network of more than 275 teaching doctors from Drexel University College of Medicine. All of our medical plans offer a Drexel preferred coverage tier featuring $0 copays for primary care visits and reduced copays for specialist visits.
Drexel Medicine's primary care practices offer a VIP program for Drexel employees. More information is provided on the Drexel College of Medicine website.
Also consider Parkway Health & Wellness for your primary care and supplemental health services. Designed for research and practice, Parkway Health & Wellness of the Drexel University College of Nursing and Health Professions provides direct care services in a convenient Center City location, including comprehensive physical therapy services, behavioral health counseling services, nutrition sciences counseling services and primary care coordinated by certified registered nurse practitioners and physician assistants. For details, please visit the Parkway Health & Wellness webpage.