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benefits

Health Coverage

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.

2020 Rate Summaries

Medical Coverage

The Benefits plan offers the following medical coverage options, allowing employees to pick the best plan for them.

Tier One Providers

Drexel is pleased to partner with Tower Health and the Hospital of the University of Pennsylvania (HUP) Hospital systems and practices, which serve as Tier One providers.

Below is the Tier One provider list. You can search by practice name, physician name, address, or NPI number.

Tower Health and HUP Drexel Preferred (Tier 1) Providers (.xlsx)

For more information on how costs for Tier One providers differs from in-network Tier Two and out-of-network/self-referred providers, please refer to the documents for your chosen medical plan below.

Medical Plan Comparison Charts

Plan Summaries

Keystone POS and Personal Choice Plan Highlight Documents

Consumer Directed Health Plan (CDHP) Summary of Coverage

Our Consumer Directed Health Plan (CDHP) 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 of benefits until the annual health plan deductible is met. The University contributes 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. If enrollment occurs outside of Open Enrollment, the University contributions made to the HSA will be prorated based on the table below.

Effective Date of Coverage Employee Only Coverage Employee + Dependent Coverage
January 1 – March 31 $500 $1,000
April 1 – June 30 $375 $750
July 1 – September 30 $250 $500
October 1 – December 31 $125 $250
* Employer funding will be credited in your HSA account after your first medical premium deduction.

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.


Telemedicine

Employees participating in Drexel's medical plans have access to Telemedicine through MDLive. This is a convenient way to get care – anytime, anywhere – when you can't get to your doctor. MDLive provides secure, 24/7 access via secure video chat, telephone or mobile application to board-certified physicians who can treat non-emergency conditions such as: colds and flu, allergies, asthma, sinus problems, ear infections and more.

Participants in the Keystone POS and Personal Choice PPO plans will have no co-pay. Those enrolled in the Consumer Directed Health Plan (CDHP) will have a $40 Consultation Fee.

For more details, visit mdlive.com/ibx or call 877.764.6605

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.
  • 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.

  • OptumRx allows members to print an ID card on their website and/or display their card through a mobile application.
  • Home delivery of specialty medications is provided by BriovaRx. Questions about your specialty medications should be directed to BriovaRx (1.855.4BRIOVA or briovarx.com).
  • A 30-day retail supply of Generic drugs have a $10 co-pay.
  • Preferred Brand drugs have a $30 co-pay.
  • Non-preferred Brand drugs have a $50 copay.
  • Mail order copays for a 90-day mail-order supply are $20, $60 and $100 respectively.
  • Employees are able to purchase a 90-day prescription supply, at mail-order prices, at participating pharmacies.
  • Welcome to OptumRx [PDF]
  • Navigate the OptumRx Consumer Portal [PDF]
  • OptumRx Mail Order Form [PDF]
  • Customer Service phone line: 1.855.796.3480

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 actively re-elect to waive coverage during annual enrollment, along with submitting proof of other coverage, for verification purposes.

Documentation must be submitted and approved by the end of the enrollment window in order to receive the opt-out credit. If documentation is not submitted within the allotted timeline, full-time benefits-eligible employees will be defaulted into the Keystone Point of Service plan.


Dental Coverage

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.


Vision Coverage

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.