Healthcare Benefits

Among the things that make Stevens a great place to work is the university's commitment to providing a competitive staff total rewards program to support the universities mission to foster a culture of "excellence in all we do" and to attract, retain and reward outstanding staff who add to the intellectual vibrancy of our campus and help to propel the university to higher levels of achievement.

Access to medical, dental, and vision care are important to your overall well-being. At the same time, we all need different levels of care and treatment. It is for this reason that Stevens offers multiple plans so that you can choose the best fit for you and your family. These plans offer a wide range of benefits with a variety of cost-sharing structures. This includes preventative care at no or limited cost to you. Benefits are available to spouses and children as dependents on your plans.

The information below is intended as a brief overview of the healthcare plan options that Stevens offers. For more in-depth information, please view the 2025 Benefits Guidebook and the plan summaries on the Documents & Compliance page.

Are You Eligible?

Employees that work at least 30 hours in a regular position are eligible to apply for benefits.

Eligible employees may add dependents to their benefits plan.

Benefits Coverage Period

Benefits coverage begins on the 1st of the month following date of hire, or the same day if hired on the 1st of the month. Coverage ends on the last day of the month following termination, or the same day if terminated on the last day of the month. 

See the table below for examples of how these dates may be determined:

Current medical plan summaries can be found on the Documents & Compliance webpage.

All medical plans cover the same services. The differences are primarily in what your expenses will be in paying for these services.

Qualified preventative care is always covered at no cost to you when using an in-network provider. This includes services like annual exams, well-baby care, vaccinations, and preventative screenings.

Prescription drug benefits are included in your medical plan election for all plans. You do not need and are not able to elect prescription plans separately. The cost of the prescription drug plan is included with the medical premium. Prescription benefits will be administered through Cigna's prescription partner, Express Scripts. For information on quantity limits, step therapy, and/or pre-certification requirements for certain prescription drugs, please visit the Cigna website.

Plus and Core

The Plus and Core plans offer access to a range of physicians and facilities. Copayment, coinsurance, and deductibles (for certain services) are available for in-network preferred providers. Deductibles and coinsurance are available for out-network non-preferred providers. No referrals are required for the PLUS and CORE Plans.

EPO Plan

The EPO Plan provides a managed network of physicians and facilities in which all care services must be rendered. A primary care physician (PCP) coordinates healthcare. No coinsurance, claim forms, or physical referrals are required.

High Deductible Health Plan (HDHP) with a Health Savings Account

The HDHP has an annual deductible applicable to all services, except preventive care, before the plan pays 70% of eligible facility and prescription drug charges. Office visits and emergency room visits are subject to a co-payment after the deductible is satisfied. If you have family coverage, you must meet the family deductible before benefits are payable.

An HSA is a tax-advantaged account that may be used to pay for qualified medical expenses. You may only contribute to an HSA if you are enrolled in an HDHP, but may use the funds even if you select another medical plan in the future. Advantages of an HSA include that it is individually owned and portable, funds carry over from year to year, you can change your HSA contributions at any time during the calendar year, and you can invest the funds (above a minimum balance) without being taxed. You can find more details about the HSA on pages 8-9 of the Benefits Guidebook.

You can find the contribution rate chart for the medical plans on pages 26-27 of the Benefits Guidebook.

Current dental plan summaries can be found on the Documents & Compliance webpage.

PPO Plan

The PPO dental plan allows you to use any dental provider, however, you will receive greater benefits with in-network providers. Your out-of-pocket cost will be less if you use a preferred provider in Delta Dental’s PPO or Premier networks. Delta Dental PPO providers offer deeper discounts than Delta Dental Premier providers. Claim forms are not required when utilizing in-network providers. Network participating providers accept negotiated rates which reduce your claim costs and out of pocket expenses. If you choose a non-network dentist, the plan will reimburse you a percentage of the allowable charge.

DHMO Plan

The DMO plan requires that you visit participating DMO providers in order to be covered. You are required, as a DHMO/DMO member, to select a Primary Care Dentist (PCD) from participating dentists in the DMO network. You must use your selected PCD for all dental services or obtain a referral from your PCD to obtain services from a specialist. The amount you pay for services rendered is based on the plan’s benefit fee schedule.

You can find the contribution rate chart for the dental plan on page 27 of the Benefits Guidebook.

Stevens provides employees with an opportunity to enroll in VSP Vision Care, one of the nation’s largest providers of eye care coverage. VSP’s network consists of private practice doctors as well as certain retail chain locations. VSP provides you with access to affordable, quality vision care coverage and allows you to receive a complete eye examination and materials (if needed). You can choose to receive care from a participating doctor (in-network) or from any non-participating doctor of your choosing (out-of-network).

You can find the contribution rate chart for the vision plan on page 27 of the Benefits Guidebook.

You can register an account on the insurance carrier's member portal once your coverage is active. This allows you to view information about your coverage, including search tools to find in-network providers and a downloadable digital copy of your ID card.

For contact information, including direct links to the member portals, please see page 29 of the 2025 Benefits Guidebook.