Medical, Dental & Vision Coverage

All full-time faculty, full-time, regular and full-time term staff members are eligible to participate.  Eligibility commences on the first of the month following the faculty/staff member's employment date.

The LMU benefits program allows its faculty and staff members to select his/her own personalized package by choosing from a variety of benefits.  As part of its benefit offering, the University pays a portion of the cost of a faculty/staff member's health care plan.

Medical

The University offers a choice of four principal medical plans, consisting of one indemnity (PPO) plan, one high deductible health plan (HDHP) and two health maintenance organization (HMO) plans.  The PPO plan reimburses a percentage of covered charges after the deductible is satisfied.  The HDHP is Health Savings Account (HSA) compatible.  Both HMO plans offer comprehensive coverage by designated providers.  Participants electing single, dual or family coverage will pay a percentage of the monthly premium designated for each of four salary tiers.

Dental and Vision

The University offers a choice of dental plans, either indemnity (PPO) or a pre-paid plan similar to a health maintenance organization.  The PPO plan reimburses a percentage of covered charges after the deductible is satisfied.  The pre-paid plan provides comprehensive dental care through designated providers.  The vision plan also provides comprehensive ophthalmic care and materials through a provider network.  The University will pay the full cost of single coverage and a portion of dependent coverage in the PPO plan and will pay the full cost of all coverage categories in the pre-paid plan.

 

Current plan effective January 1, 2014 through December 31, 2014.  Contribution rates are evaluated annually and subject to change, from time to time, at the sole discretion of the university.  Current plan documents can be obtained from Human Resources.

Note:  This summary is to be used for discussion purposes only.  The Summary Plan Descriptions available from Human Resources contain detailed descriptions of the benefits.  The Plan Document, on file in Human Resources, is controlling for the adjustment and settlement of disputed claims.