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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

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

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.


Tier One Providers

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

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 above.

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 (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.

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.

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.