Benefits

• control over doctors seen and how healthcare dollars are spent
• no co-payments or up-front deductibles
• receive account of healthcare dollars to be used as you need them
• money not used in this account will be rolled over to next year’s account
• utilizes the Cigna Network of providers
• Click on the link above to search for network doctors/hospitals including First Choice Providers
  
  CLICK HERE for an informational brochure
  CLICK HERE for a copy of the LSU First Summary Plan Description
• CLICK HERE for the 2009-2010 health insurance premiums
• CLICK HERE for information regarding Temporary ID Cards for Prescriptions

• Health Maintenance Organization (HMO)
• oldest form of managed care
• list of doctors from which to choose a primary care doctor
• referrals to a specialist are not required
• go outside the network after deductible is met and pay coinsurance based on higher charges
  
  CLICK HERE to search for network doctors/hospitals

• form of managed care that has contracts with doctors, hospitals & other providers who offer medical services on fee-for-service basis
• may use any provider within or outside of the PPO network, but have a financial incentive to stay within the network
• Health Dialogue is the new Disease Management Program vendor. APS will transition patients to the new vendor - Health Dialogue on 10/1/08.
  
  CLICK HERE to search for network doctors/hospitals

• exclusive network of providers you have to choose from to receive co-pay only benefits
• do not have to choose a primary care physician (PCP)
• deductible for ancillary services
  
  CLICK HERE to search for network doctors/hospitals
  

• Employed at 75% of full-time effort or greater (at least 30 hours per week);
• Appointed for a duration of at least one semester or 121 days or greater

Enrollment Process and Effective Date of Coverage for LSU Health Insurance Plans:

New Hire: coverage effective first of the month following first full calendar month of employment (i.e. date of hire is May 15th, effective date is July 1st ) provided you enroll within 30 days from your eligibility (hire)date. An employee who transfers state agencies should complete a transfer form within thirty days.

CLICK HERE for an enrollment form

Current or newly eligible employees: May enroll at any time. Employee must enroll by 14th of the month previous to have coverage effective the first of the next month (i.e. desired effective date July 1st, must enroll by June 14th ). In order for an employee to be eligible to participate in the Premiums only Plan program, employee must have lost coverage due to a qualyfing event and employee must enroll within 30 days of the event. Complete the forms below to enroll as a late applicant

GB-01
Acknowledgement of Pre-existing Condition
Insurance Portability Law Application (needs to be followed by a Certificate of Prior Coverage)
Status Change

Newly Eligible Family Member: If a change occurs due to marriage, birth, adoption or another qualifying event, employee has 30 days from the date of the event to enroll the family member. The effective date of coverage will be the day the event occurs. Please complete the forms below to enroll the family member.

CLICK HERE for the enrollment form
CLICK HERE for the status change form

Existing family member: May enroll at any time. Employee must enroll family member by 14th of the month previous to have coverage effective the first of the next month (i.e. desired effective date July 1st, must enroll by June 14th ). Complete the forms below to enroll as a late applicant

GB-01
Acknowledgement of Pre-existing Condition
Insurance Portability Law Application (needs to be followed by a Certificate of Prior Coverage)
Status Change

Terminating Employment/Loss of Coverage

Classified/Staff Employees and family members: If an employee leaves LSUS employment or coverage ends for a family member, Health Insurance will end on the last day of the month in which the employees leaves LSUS or when the loss of coverage occurred.

Academic/Faculty Employees: If a faculty member leaves LSUS at the end of the academic year coverage will end on September 30th of that year. If the member leaves anytime before the academic year is over, then coverage will end on the last day of the month of termination.

Overage Dependents: If a dependent loses coverage due to not submitting student verification for the fall semester, coverage will end on August 31st. If verification is not submitted for the spring semester coverage will end on January 31st.

COBRA

• The employee and/or family member will be able to continue health insurance through COBRA.
• The employee will have 60 days from the date of loss of coverage to enroll in COBRA.
• Coverage will be reinstated from the date of loss of coverage.
• Coverage will be reinstated once COBRA enrollment forms are completed and returned along with the premium payment.
• If employee/family member are currently enrolled in the OGB(PPO), UHC(EPO) or HUMANA(HMO) plan, they will receive COBRA enrollment forms from the Office of Group Benefits directly to their home address.
• If employee/family member are currently enrolled in LSU First, they will received COBRA enrollment forms from Acclaim Benefits directly to their home address.
  CLICK HERE for Cobra Premiums
  CLICK HERE to change address
  

RETIREES:
As a retiree of LSUS, you are eligible to continue your health insurance through retirement. Coverage will automatically continue through retirement. Be aware that the Office of Group Benefits has a vesting schedule that will determine what percentage of the retiree premium will be subsidized by the State when you retire.

CLICK HERE to view the health premium vesting schedule for retirees.

Retirees' premiums are deducted from their LASERS or TRSL Retirement Benefit checks. Please allow a couple of months after retirement before you see deductions for your health insurance reflected on your retirement checks. LSU's Payroll office will bill retirees in between the transition time. If you are an ORP Retiree, you will be billed by LSUS's Payroll Office for your monthly retiree premium. If you are an ORP retiree, complete the form below to have your premiums deducted from your bank account.

CLICK HERE for Retiree Premiums