Health Benefits

About Your Health Benefits

Think healthy, live well. There is nothing more valuable than good health. UNE offers a choice of medical insurance plans that are designed to help you and your family stay healthy and provide comprehensive coverage when you need it.

Summary of Benefits and Coverage (SBC) and Summary of Plan Description (SPD) for all benefits-eligible employees are located on our Human Resources benefit web pages for each coverage type. These documents provide standard coverage information for the three medical plans through Harvard Pilgrim. The SBC is also available in paper form free of charge upon request. If you want a printed copy or have any coverage questions, please reach out to Human Resources and we will be happy to help.

Once enrolled in benefits, we recommend that you regularly review your contact information (mailing address, email, and phone number) with elected insurance carriers to make sure it is up-to-date.

Health Plan Presentations, Flyers, and Forms

Domestic Partner Affidavit

The Domestic Partner Affidavit (PDF) certifies the necessary requirements for unmarried domestic partners’ eligibility to be included in health and dental insurance coverage

General Information
Understanding the POS High Deductible with HSA Plan (HDHP/HSA)
Understanding your PPO Basic or Enhanced Health Plan
Social Security and Medicare
  • Social Security and Medicare Presentation (PDF)
    • Individuals approaching retirement age have unique considerations regarding their income and benefits. View this presentation to learn about your options in the months and years leading up to retirement.

Eligibility

  • Full- or half-time faculty or professional staff (self)
  • Spouse or Domestic Partner
  • Dependent Children (and those of a Domestic Partner) until the end of the month they turn 26 years of age
  • Participation in health coverage may begin the first of the month after your hire or qualifying event. If your hire or event occurs on the first of the month, then benefits begin on the date of hire or qualifying event.
  • Coverage ends the last day of the month in which you physically work in a benefits-eligible position.
  • When and under what circumstances can a mid-year change be made to my benefits? (PDF)
  • Please review the Summary Plan Descriptions for more eligibility details and consult with Human Resources for specific situations.

Benefits and Coverage Questions

Harvard Pilgrim Member Services

  • (888) 333-4742
  • Monday, Tuesday, and Thursday 8 a.m.–6 p.m.
  • Wednesday 10 a.m.–6 p.m.
  • Friday 8 a.m.–5:30 p.m.

Health Plan Support and Clinical Coordination

Harvard Pilgrim Care Management

  • (866) 750-2068
  • Monday–Friday 8:30 a.m.–5 p.m.

Health Plan Options

Reviewing the Benefits Guide (PDF) and other resources provides you with the needed information to elect the best health care option for you and your family and even answer many of the questions that arise over time.

Health Basic

This in-network plan provides a moderate co-payment option and has mid-level monthly premium costs. Learn more about your Basic Health plan

Health Enhanced

This in-network plan provides lower co-payments and has the highest monthly premiums. Learn more about your Enhanced Health plan

High Deductible Health Plan with Health Savings Account (HSA)

This plan offers in and out of network benefits at a low monthly premium. In 2022, UNE will be providing up to $2,600 (dividing it up among each pay period) to eligible participants' HSA, and participants have the option to contribute additional money (within limitations set by the IRS). Learn more about the High Deductible Health Plan and the HSA option

Vision Benefits

Vision benefits are detailed on our web page and are included as part of your health care plan. 

Pharmacy Benefits

Reviewing Your Guide to Prescription Coverage (PDF) will help you to make the most effective decisions regarding your pharmacy benefits. Other resources include the Guide to Over-the-Counter Medications (PDF) and the Guide to Preventative Drug Benefits for HSA plans (PDF).

Behavioral Health

Behavioral Heath support is more important than ever. You have behavioral health resources as part of your health insurance coverage. Additionally, you can:

  • Get on-demand help with stress, depression, and anxiety anytime with the Sanvello App (PDF).
  • Connect with a therapist through Talkspace (PDF) – a safe and secure digital therapy service.

Overseas Urgent and Emergency Care

With UNE's presence in Morocco and the increased global connections across the University, this information will be of assistance to anyone covered under the health plans who is traveling overseas.

Health Plan Support and Clinical Education

 

Special Notices

Medicare Part D – Notice of Creditable Coverage

The prescription drug coverage listed under the University of New England's medical plan is expected to payout, on average, at least as much as the standard Medicare prescription drug coverage will pay in a calendar year and is considered "creditable coverage." If you or your covered dependents are enrolled in any prescription drug coverage listed in this notice of creditable coverage (PDF) and are or become covered by Medicare, you may decide to enroll in a Medicare prescription drug plan later and not be subject to the late enrollment penalty as long as you had creditable coverage within 63 days of your Medicare prescription drug plan enrollment. Please read the notice of creditable coverage (PDF) carefully and keep this notice with your important records.

Additionally, Health Advocate is a free and confidential resource to help you, your spouse, dependent children, parents, and parents-in-law answer questions regarding Medicare. 

Retiree Medical Insurance Coverage

UNE offers a program for long-term employees to continue on the university medical plan under certain circumstances prior to age 65. The cost for continuing medical coverage for early retirees will be borne completely by the former employee. The purpose of this extension of benefits is to allow access to group coverage prior to their eligibility for Medicare for employees wishing to retire early. 

The following criteria must be met in order to qualify:

  1. The employee must have completed 20 years of service at the time that the continuation of coverage becomes effective
  2. The employee must be age 60 prior to their retirement date

Coverage continues until the date the retiree and eligible dependent become entitled to Medicare

Please contact Human Resources for more information.

    Resources

    Online Health Resources

    We continue to find ways to bring you health care in ways that are convenient. Create an online account and get the mobile apps to get access to your health and dental information, ID card, and other resources on your mobile device.

    Find a Doctor

    It is helpful to remember:

    • Insurance bills under doctors, not facilities, so it is best to search for a doctor's name.
    • Nurse Practitioners bill under the doctor's name, so it is best to search by the doctor's name.
    • Hospitals are searchable to confirm that they are in-network.

    Reduce My Costs

    Pay less in out-of-pocket expenses for procedures and tests and get cash rewards. Harvard Pilgrim can help you save money with their voluntary Reduce My Costs program.

    Learn more about the Reduce My Costs program (PDF)

    Health Advocate

    Heath Advocate is a free and confidential benefit that helps you and your family (spouse, dependent children, parents, and parents-in-law) get answers involving your medical, hospital, dental, mental health, medications, and other health care and selected life event issues. The Health Advocate Overview (PDF) outlines the many features provided. Other resources include:

    Contact Health Advocate by calling 1 (866) 695-8622. Normal business hours are Monday–Friday, between 8 a.m. and 9 p.m. EST, but staff is available after hours and on weekends.