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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.

2021 Rate Summaries

Select the rate sheet that applies to you based on whether you are an active employee, full-time or part-time, or paid on a monthly, bi-weekly or weekly basis.

Rates for life insurance and disability vary by employee based on your age, salary and election. You can view your specific rates within the My Drexel Benefits enrollment portal.

Helpful Resources

For specific benefit inquiries, contact the Drexel University Benefits Center, powered by benefitexpress, at 1.844.690.3992 or help@mybenefitexpress.com. Representatives are available Monday-Friday from 8:30 a.m. until 7 p.m. ET.

The healthcare experts at Health Advocate can help you understand your coverage, explain your share of the costs (i.e. deductibles, copays, and coinsurance), locate in-network providers, and more. Call for a free consultation at 1.866.695.8622.

Create an online account with our benefit providers to manage your benefits, locate participating providers, print temporary ID cards, and access a variety of additional benefit resources.

Benefit Provider Online Phone Number
Independence Blue Cross ibx.com 1.800.ASK.BLUE
CIGNA Dental myCIGNA.com 1.800.244.6224
OptumRx optumrx.com 1.855.796.3480

New Employee Guides

Medical Coverage

Medical Plan Comparison Charts

Medical Plan Options

Summary of Benefits Coverage

Consumer Directed Health Plan (CDHP)

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.

Point of Service (POS) Plan(s)

Drexel offers two Point of Service (POS) options to employees who live in or around the Greater Philadelphia area. Depending on where you live, will determine your eligibility in either the Keystone POS plan or the AmeriHealth POS plan.

Both plans do require participants to designate a Primary Care Physician (PCP) for yourself and covered dependents. This PCP manages your care and would need to provide a referral if you need to visit with a Specialist. If you need to change mid-year, call 1800-ASK-BLUE to update your Primary Care Physician, or you can create an account at ibx.com to do so online.

Drexel’s Point of Service plans are zip code driven and only available to certain counties in or around the Greater Philadelphia area.

  • DE: New Castle
  • MD: Cecil
  • NJ: Burlington, Camden, Gloucester, Hunter, Mercer, Salem, Warren
  • PA: Berks, Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery, Northampton

The following states/counties would be eligible for the AmeriHealth POS plan:

  • DE: Kent; Sussex
  • MD: Caroline, Harford, Kent, Wicomico, Worcester
  • NJ: Atlantic, Bergen, Cape May, Cumberland, Essex, Hudson, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union

View a breakdown of both the Point of Service plans zip code areas via this Excel spreadsheet.

Employees will see their benefit options in the enrollment system based on their zip code, so if where you live is not listed above, you will only have access to the PPO plans (Basic, High and CDHP).

Benefits under AmeriHealth mirror those of Keystone; however, the network expands a bit further, allowing Drexel to offer a Point of Service option to those who are still close to Philadelphia, but not truly in the Greater Philadelphia area.

Prescriptions are offered through OptumRX regardless of which medical plan is elected.

Note: If you move to a location that no longer supports either of the Keystone or AmeriHealth Point of Service plans, you will be required to choose new coverage, or waive participation. An enrollment window will be opened allowing you 31 days to take action. If no choice is made within that timeline, you will be auto-enrolled into Personal Choice PPO Basic at the employee only level, with payroll deduction applied to the next pay.

Please contact the Drexel University Benefit Service Center at 1844.690.3992 for more questions on what happens to your medical benefits if you move outside of the designated zip code area.

Tier One Providers

University of Pennsylvania (HUP) and Tower Health Hospital systems and practices are Tier 1 providers for Drexel medical plans.

For more information on how costs for Tier 1 providers differs from in-network, a.k.a. Tier 2, and out-of-network/self-referred providers, please refer to the documents for your chosen medical plan above.

Drexel University Tiered Network Definitions

In order to provide employees the best access to care, Drexel has partnered with Independence Blue Cross to offer a three tiered network approach. Below we breakdown how those networks are designed for clearer understanding:

  • Tier 1: University of Pennsylvania (HUP) and Tower Health Hospital systems and practices are considered Tier 1 Providers for Drexel medical plans.
  • Tier 2: Independence Blue Cross in-network providers who participate with Drexel’s medical plans.
  • Tier 3: All other providers that are not in either the Tier 1 or Tie 2 network. Also referred to as “self-referred or out-of-network” providers. If you utilize Tier 3 providers, you will have the highest out-of-pocket cost.

How to Search for a Provider

To do a provider search you will need to navigate to ibx.com:

  • Click on the ‘Find a doctor’ link at the top right of the page.
  • On the next page, click ‘Learn more’ under the Providers heading, in the ‘Doctors, hospitals, medical equipment, and specialty services’ section to the right of your screen.
  • You will then be asked to enter Your Location on the top left. You can enter your zip code or city and state.
  • Click on the ‘All Plans’ link, and a box labeled “Choose your plan to get started” should appear. Scroll down inside the box and select Company Specific Networks.
  • Pick the appropriate Drexel health plan: Drexel Preferred POS or Drexel Preferred PPO (this would apply to CDHP enrollees). Your selection will populate in the Your Plan field.
  • You can either click on the magnifying glass icon for a broad search. Or narrow your search by filtering the ‘Select a category’ (by name or specialty) option.

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

J-1 Scholar Medical Plan Options

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.

To receive the medical waiver credit, employees must choose to waive participation in either their new hire enrollment window timeframe, when experiencing a qualifying life event, or during the University's designated annual Open Enrollment period.

Employees who waive their medical/prescription coverage are required to actively re-certify the intent to waive coverage each year during the annual Open Enrollment period. If the election of waive is not completed within the allotted enrollment timeline (new hire or Open Enrollment), full-time benefits-eligible employees will be defaulted into the Keystone Point of Service plan after that enrollment period closes, with no option to change until the next annual Open Enrollment period.

Prescription Drug Coverage

OptumRx

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.

Dental Coverage

CIGNA

Drexel University offers employees three dental options, a DHMO plan, a Base plan and a Preferred plan, all through CIGNA. These plans provide a solid base of preventive and restorative services.

Review the Dental Plan Comparison Chart for a side-by-side view of all three Drexel Dental Plans.

DHMO Plan

This plan requires you to select a primary dental provider for routine, preventative and diagnostic care and this dentist will refer you to specialists as needed. To find an in-network provider visit cigna.com.

Base Plan

Preferred Plan

Dental ID Cards

Participants in the DHMO plan will receive an ID card in the mail.

Cigna does not issue insurance cards to participants in the Base and Preferred. A personalized ID card can be printed after creating an online account at myCIGNA.com. Base and Preferred plans utilize the "core" network and have the group number 3333911.

Vision Coverage

Davis Vision

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.

David Vision Provider Search

The Davis Vision portal is accessible through participant registration: ibx.com. You will need your IBC insurance identification card to register.

  • Visit www.ibx.com and select Log In/register (top right of screen).
  • Once in the system, select Vision Option.
  • Search for Doctors & Hospitals.
    • Click on the blue arrow that appears on your screen, on the next page select: Select Find an Eye care Professional located at top left of page.
  • Proceed with populating the information (ex. zip code & type of search (full service, contact lenses, etc.).
    • You have the option to download your search as a .pdf document for future use.

Benefits for Domestic Partners

Domestic partners are eligible to receive health benefits through Drexel University. The term "domestic partner" refers to an individual (18 years or older) who is in a committed, amorous relationship with another individual (18 years or older) of the same or different gender. A domestic partner is neither married to, nor related by blood or adoption, to the other individual. Neither individual may be married to, or in another domestic partnership or civil union with someone else.

Under current tax laws, the employee will incur taxable income equal to the value of the benefits provided to the domestic partner or domestic partner's dependent children unless such individuals qualify as the employee's tax qualified dependents and the employee files an Affidavit of Tax Qualified Dependents.


If you need additional assistance, contact the Drexel HR Service Center at hr@drexel.edu.