Benefits - Medical Plan

Benefits

Medical Plan

SU offers two medical insurance options to all benefits eligible employees: BluePoint and OrangePoint. SU pays most of the cost of your medical coverage and you pay the remaining cost of the premium, through pre-tax payroll deduction. Qualified same-sex domestic partner premiums are paid on an after-tax basis.

BluePoint is SU's self-funded plan administered by Excellus BlueCross and BlueShield that allows members to receive services from any provider subject to certain plan restrictions. There are three levels of benefit payments depending on the provider, as illustrated on the Medical Comparison Chart.

Level One - Services qualifying for Level One coverage must, in general, be performed by a provider participating with Excellus BCBS and coordinated by your Primary Care Physician (PCP). Level One coverage is the least costly to the member.
Level Two - Level Two covers services performed by providers participating in any other BCBS Plan. Level Two costs typically include the copay required in Level One and a percentage of the cost for the service.
Level Three - Level Three covers services provided by any other provider that does not have an agreement with any BCBS Plan. Level Three costs typically include the copay required in Level One, a deductible, and a higher percentage of the cost for the service than Level Two. The subscriber is also responsible for the difference between the provider's charge and the allowable amount based on participating providers in the Excellus network.

OrangePoint is also a self-funded plan administered by Excellus BCBS. OrangePoint coverage is nearly identical to BluePoint coverage except that services are restricted to those that qualify under Level One, as illustrated on the Medical Comparison Chart.

Prescription drug coverage under both BluePoint and OrangePoint is administered by Medco.

2008 Monthly Rates*	BluePoint	OrangePoint
Employee	$ 74.65	$ 62.86
Employee +1	$159.21	$134.09
Family	$207.46	$174.73

* Rates listed here are based on the 12-month calendar year. Actual deductions from each paycheck will vary depending upon your deduction cycle.

Helpful Links

Questions? Contact the HR Service Center at 443-4042 or email hrservic@syr.edu.