Adjunct Benefit Plans

Adjunct Faculty Benefit Plans

This booklet will summarize the benefits available to you as an Adjunct faculty member of Community College of Philadelphia.

Medical Plan Options Medical coverage represents the foundation of your benefit plan protection. You are eligible for this coverage on the 1st day of the month following your date of hire as an adjunct faculty member. The College offers two medical plan options, both with Independence Blue Cross.

1. Flex Personal Choice 2. Keystone Point-of-Service (KPOS)

It’s important that you carefully review the descriptions of covered services and supplies for these medical plan options and assess your medical needs before making your benefits selections.

Flex Personal Choice - is a PPO option a preferred provider organization. You may select network associated general practitioner, pediatric and specialty doctors. Under a PPO, you do not need to select a primary care physician (PCP), nor do you need to receive prior approval from a primary care physician (PCP) before seeking advice from a specialist or for emergency room treatment. You also have the opportunity to be treated by a non-participating doctor and still receive partial reimbursement.

Keystone Point-of-Service (KPOS) – is a type of HMO (health maintenance organization) option. An HMO plan operates under different guideline than the Personal choice option. First, you select your primary care physician (PCP) from a list of participating doctors. If you wish to see a specialist or visit the emergency room, normally you must first get a referral from your primary care physician (PCP). The KPOS medical plan also permits you to receive some healthcare service out-of- network, after payment of a deductible. Out-of-network expenses are also subject to co-insurance.

Eligibility Requirements Newly hired employees may sign up for coverage within 30 days of start date. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage etc.)

Cost of Medical Plan Coverage For Pools I and II , the College will pay 50% of the more expensive single (employee only) coverage. For Pools III and above the College will pay 75% of the more expensive single (employee only) coverage. Medical Plan

Personal Choice Keystone POS

In-Network Out-of-Network Referred Care Self-referred Care Medical Deductible Employee $0 $500 $0 $300 Family $0 $1,500 $0 $900 Medical Coinsurance None None None 80% Out-of-Pocket Maximum Employee None $1,500 None $2,000 Family None $4,500 None $6,000 Lifetime Maximum Unlimited $1,000,000 Unlimited $1,000,000 Doctor’s Office Visits Primary Care Physician $10 70%, after $5 80%, after Copayment deductible Copayment deductible Specialist Services $20 70%, after $5 80%, after Copayment deductible Copayment deductible Routine GYN $10 70%, No $5 80%, No Exam/PAP Copayment deductible Copayment deductible Pediatric Immunizations 100% 70%, No 100% 80%, No deductible deductible Inpatient Hospital 100% 70%, after 100% 80%, after Services deductible deductible Inpatient Hospital Days Unlimited 70 Unlimited 120 Inpatient Hospital 100% 70%, after 100% 80%, after Services deductible deductible Outpatient Surgery 100% 70%, after 100% 80%, after deductible deductible Emergency Room $100, $100, $35, $35, not waived not waived waived if waived if if admitted if admitted admitted admitted Laboratory Services 100% 70%, after 100% 80%, after deductible deductible Prescription Drug Benefits Your prescription drug benefits are provided to you through a “free-standing” drug plan (Medco). Your prescriptions can be filled at pharmacies both locally and throughout the country – with a 30-day supply. If you are taking a “maintenance” medication, you can use the mail order option and receive a 90-day supply. Medications provided via mail order are subject to only one (1) co-pay, so you save both time and money!

Eligibility Requirements Newly hired employees may sign up for coverage within 30 days of start date. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage, marriage, divorce, etc.)

Cost of Prescription Plan There is no contribution from the College. Employee pays 100% of monthly premium cost.

Summary Chart

Prescription Drug Retail Generic Co-Pay $5 Brand Co-Pay $15 Supply Limit # Days 30 Mail Order Generic Co-Pay $5 Brand Co-Pay $15 Supply Limit # Days 90 Dental Plan Options The College offers two dental plan options: 1. Delta Dental – a dental PPO option, which offers you the option to select a dentist from their DeltaPremier or DeltaPreferred list of participating dentist, or use a dentist from outside of the network. 2. United Concordia – a dental HMO option, which means that you must select a primary dentist from a list of participating dentists. The chart below will provide you with a comparison overview of dental benefit coverages under the College’s two (2) plan options. More detailed information is provided at enrollment time, including plan exclusions and limitations. Eligibility Requirements Newly hired employees may sign up for coverage within 30 days of start date. Existing faculty can enroll and/or make changes during Open Enrollment or with a Life Changing Event (such as birth, adoption, loss of coverage, marriage, divorce, etc.) Cost of Prescription Plan There is no contribution from the College. Employee pays 100% of monthly premium cost. Summary Chart

Delta Dental United Concordia Paid by Delta Paid by Paid by United Paid by Patient Patient Concordia Diagnostic 100% 0% 100% 0% Preventative 100% 0% 100% 0% Basic Restorative 100% 0% 100% 0% Major Restorative 100% 0% Various based on treatment from $0 - 284 Oral Surgery 100% 0% 100%, Various based on less copayment treatment from $19 - $158 Endodontics 100% 0% 100%, Various based on less copayment treatment from $0 - $231 Periodontics 50% 50% 100%, Various based on less copayment treatment from $0 - $100 Prosthodontics (full or partial) 50% 50% 100%, Various based on less copayment treatment from $25 - $353 Denture Repair 100% 0% 100%, Various based on less copayment treatment from $0 - $256 Orthodontics 50% 50% 100%, Various based on less copayment treatment from $440 - $2,530 Orthodontics Lifetime Limit $1,000/patient balance 100%, less copayment Note: Maximum benefit $1,700 per person based on a calendar year for services provided by Delta Dental PPO dentists or $1,500 per person based on a calendar year for services provided by Delta Dental Premier and Non-Participating dentists. Basic Life Insurance and AD&D The College provides basic life and AD&D (Accidental Death & Dismemberment) insurance protection.

Eligibility Requirements Adjunct Faculty are eligible for the Group Life Insurance, at the conclusion of the semester in which they earn twelve (12) seniority units or more. The face value of this term life insurance policy is $16,000. You must be actively working in each semester of coverage.

Cost of Basic Life and AD&D Monthly premium costs are split 50/50 between the College and adjunct faculty member.

Retirement Plan Benefits The college provides a basic 403(b) retirement plan with TIAA-CREF and Fidelity.

 The College contributes 5% of your base pay each pay period.  You are required to contribute 5% of your base pay each pay period.  All funds are 100% vested when contributed.

You may contribute additional funds to the retirement plan if you wish, up to the maximum permitted under federal law. You can elect to contribute in the form of a percentage of you base pay, or as a fixed dollar amount each pay period. These extra contributions are either:

 Additional Basic Contributions: which must be invested with the same provider (TIAA-CREF or Fidelity) and in the same funds as your mandatory basic contributions.  Supplement Contributions: may be invested with a different provider and/or different funds than your mandatory basic contributions.

Under certain limited situations, a College employee may be eligible for the SERS or PERS. Please contact a member of Benefits area in Human Resources for more information.

Eligibility Requirements Adjunct Faculty are eligible for the retirement plan, at the conclusion of the semester in which they earn four (4) seniority units or more. Tuition Remission The College will provide full remission of tuition and general fees for one course per semester taken at the College provided s/he was employed during the previous semester or is currently employed. Non-credit courses are not eligible for tuition remission.

Eligibility Requirements Adjunct faculty in Pools I – VI are eligible to take one course per semester. Adjunct faculty in Pools VII and above shall be entitled to two courses per semester for themselves and their dependents.

Computer Loans The College will provide a computer loan program for employees to participate for a period of two (2) years from the date of the loan.

Eligibility Requirements Adjunct faculty in Pools X and above.

Short Term Disability (STD) and Travel Fund Short Term Disability and the Travel Fund are administered through the Adjunct/Visiting Lecturer Federation. To receive further information on how these programs work please contact the federation at ext. 8600. Eligibility Requirements New Employees - within 30 days of Medical Plans hire date Existing Employees – During Open Enrollment or a Life Changing Event New Employees - within 30 days of Prescription Drug hire date Existing Employees – During Open Enrollment or a Life Changing Event New Employees - within 30 days of Dental Plans hire date Existing Employees – During Open Enrollment or a Life Changing Event Life Insurance and AD&D Must complete 12 seniority units Retirement (403 B) Must complete 4 seniority units Pools I – VI one credit course per Tuition Remissions semester Pools VII and above two credit courses per semester Computer Loan Pool X and above Disability Benefits Administered by the Federation