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Benefits

Health Insurance

LSU First (CIGNA)

LSU First

(Nationwide Coverage)

  • Control over doctors seen and how health care dollars are spent
  • Doctors should not request upfront co-payments or deductibles
  • Receive account of health care 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
  • To access a "Benefits Snapshot" CLICK HERE
  • For a copy of the LSU First Summary Plan Description CLICK HERE
  • To access the 2010-2011 health insurance premiums CLICK HERE
  • For information regarding Temporary ID Cards for Prescriptions CLICK HERE
  • Visit the LSU First Website at www.lsufirst.org
  • Click on the link above to search for network doctors/hospitals including First Choice Providers
  • Select the link below to access a "Comparison of LSU First and the OGB Health Insurance Plans"  

Download CIGNA Information

HMO (Blue Cross Blue Shield)
The HMO plan (currently administered by Humana), will be administered by Blue Cross and Blue Shield of Louisiana effective July 1, 2010. The Office of Group Benefits HMO plan members will have access to Blue Cross' national network of doctors, hospitals and other medical providers. The EPO plan (currently administered by UnitedHealthcare), will be folded into the HMO plan. Current EPO plan members will be shifted to the HMO plan if they do not select another health plan during the 2010-2011 Annual Enrollment. The phone number for Blue Cross Blue Shield of Louisiana is 1-800-392-4089.

Download HMO Information

PPO (Office of Group Benefits)
The Preferred Provider Organization (PPO) health insurance plan will continue to be self-administered by the Office of Group Benefits. Plan members can contact the Office of Group Benefits by calling 1-800-272-8451.

PPO Provider Directory
PPO Plan Document
Please click on the link below to view health insurance premiums for the 2010-2011 plan year.  
Download PPO Information

CD-HSA (United Healthcare)
For the 2010-2011 plan year, the Office of Group Benefits is introducing a Consumer Driven health plan with a Health Savings Account option (CD-HSA plan). This plan will be administered by UnitedHealthcare. The premiums will be lower than the other state health insurance plans; however, this plan's deductible will be higher. Once the plan member has satisfied the deductible, the plan will pay 80% of in-network eligible expenses.

The deductibles are as follows:
Employee Only.........................$1,250
Two Person..............................$2,500
Family.....................................$3,000

This plan will have a Health Savings Account (HSA) option which allows employees to make pre-tax contributions to a savings account.

Features of the Health Savings Account:
Money sheltered into the HSA can be used to offset the deductible as well as for other out pocket medical expenses. Upon enrollment into the plan, the state will contribute $100 per plan year to each member's HSA and match up to $400 in additional member contributions per plan year. The account will be managed by a bank. The account will be portable.  Employees may increase, decrease or cease contributions throughout plan year.

IRS Contribution limits for calendar year 2010
Single - $3050
Family - $6150
Unlike a health care flexible spending account (HCFSA) with a use-it-or-lose-it provision, the HSA does not require the employee to spend all annual contributions. Instead, the money remains in the HSA and grows tax free from year to year. If the employee changes health plans or jobs, or retires, the employee still owns the entire balance of the HSA. From age 65 on, these HSA dollars can be used for any health care or non-healthcare expense with no penalty.

**Please note - Employees who participate in the HSA option will not be able to participate in the Flexible Spending Account Program with Gilsbar, Inc for the 2010 - 2011 plan year.

For additional plan information, CLICK HERE
To Search for a list of in-network providers, please go to: CD-HSA Provider Directory
Questions? Call 1-866-336-9374
Download Healthcare Savings Information

Eligibility
Any active employee of LSUS is eligible for health insurance provided the following:

  • 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 Health Insurance Plans:

Annual enrollment (changing health insurance plans, no level of coverage change): to change health insurance plans during annual enrollment, plan members should complete a scantron and turn into the Office of Human Resource Management between May 3 and May 21 with changes being effective July 1, 2010.

CLICK HEREto complete a scantron to change health insurance plans.

Annual enrollment (changing plans with a level of coverage change or just a level of coverage change): to change health insurance plans during annual enrollment, plan members with a level of coverage (adding eligible dependents) change should complete a GB-01, acknowledgement of PEC and an IPL form between May 3 and May 21 with changes being effective July 1, 2010.  Plan members removing dependents should complete a GB-01 only.

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.

Complete the forms below to enroll as a new hire:

Current of 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 qualifying event and employee must enroll within 30 days of the event.

Complete the forms below to enroll as a late applicant:

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

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:

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

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. LSUS'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.

Download Cobra Premiums

Comparison of LSU First & OGB Health Insurance Plans
Please click on the attached link to access a comparison of the LSU First and Office of Group Benefits health insurance plans.
Download Comparison of LSU First and OGB

Health Insurance Premiums
Please click on the link below for a listing of health insurance premiums for the 2010-2011 plan year.
Download Health Insurance Premium Information