Benefit Highlights of Bethel College 2008-2009
Health InsuranceTennesseeIndependentColleges & University Association(TICUA)
Tennessee Healthcare Network
PPO Bronze Plan
Employee Employee +1Family
Monthly Cost$ 47.00 $ 325.00$ 645.00
Annual Deductible$1,000.00 $2,000.00$3,000.00
Max Annual Out of
Pocket*$2,000.00 $4,000.00$6,000.00
PPO Silver Plan
Employee Employee +1Family
Monthly Cost$127.00 $450.00$ 831.00
Annual Deductible$400.00 $800.00$1,200.00
Max Annual Out of
Pocket*$1,200.00 $2,400.00$3,600.00
CoPay Plan
Employee Employee +1Family
Monthly Cost$125.00 $435.00$803.00
Annual Deductible$300.00 $600.00$900.00
Max Annual Out of
Pocket*$2,000.00 $4,000.00$6,000.00
*No one individual will have more than the individual deductible or out of pocket amounts apply.
QHDHP Plan
Employee Employee +1Family**
Monthly Cost$ 36.00 $ 246.00$ 492.00
Annual Deductible$2,500.00 $5,000.00$5,000.00
Max Annual Out of
Pocket**$5,000.00 $10,000.00$10,000.00
**One individual may have the entire deductible and out of pocket amounts apply.
Preventive Care BenefitsPlan Benefit
Annual Physical Examination (age 5+)$400.00 Maximum Benefit
Immunizations (children to age 19)100%
**********Deductibles do not apply to Plan’s wellness benefits************
Prescription Drug Benefits
Generic Preferred BrandNon-preferred Brand
Retail Pharmacy$20.00 $35.00$50.00
Mail Order (90 day
Supply)$40.00 $70.00$100.00
Vision CareEmployee Employee +1Family
Monthly Cost$8.56 $13.02$22.86
Exam copay $25.00 per individual covered yearly. (In Network)
Lenses(per pair) standard charge cover yearly. (In Network)
Contact Lenses $120.00 allowance per individual covered yearly with no copay. (In Network)
Frames $120.00 allowance per individual covered every two years. (In Network)
Guardian DentalEmployee Employee +1Family
Monthly Cost$19.86 $44.66$77.96
Annual Deductible$50.00 $100.00$150.00
Network CoverageOut of Network
Preventive Services 100.00%100.00%
Basic Services90.00%80.00%
Major Services60.00%50.00%
Orthodontia50.00%50.00%
Calendar Year max per person is $1000.00.
Life InsuranceGuardian Life Insurance
$50,000.00 Basic Term Life provided for employee
$50,000.00 AD&D provided for employee
*Additional Life, AD&D, and spouse/dependent coverage available through payroll deduction.
Short Term DisabilityIn house disability benefit
Effective 14 days after initial disability begins
Must be placed on disability by a licensed physician
50% of salary until returned to work or qualifies for LTD
Long Term DisabilityGuardian
Effective 180 days after initial disability begins
60% of salary up to a maximum of $3000.00 monthly
Cancer/Accident/
HospitalizationAFLAC Insurance Company
Various plans and coverage amounts available through
Independent agent and paid through payroll deduction
Flexible Spending
AccountConverts after tax monies used for out of pocket medical
to pretax monies
Save 7.65% on FICA
Save applicable % in personal income tax bracket
RetirementTeachers Insurance and Annuity Association
College Retirement Equities Fund (TIAA-CREF)
May contribute pre-tax payroll deduction up to $15,500.00
annually. Bethel matches up to 5% of employee deduction.
Leave for Staff Personnel Only:
Personal Leave5 days per year
Effective date of hire
Pro-rated to 8/1 (beginning of fiscal year)
Can not be carried over from year to year
Sick LeaveEffective after 3 months of service
Accumulate 1 day per month of service
Maximum accumulative 30 days
Vacation LeaveEligibility: Effective after 1 year of service
Not accumulative
Prorated to 8/1 (beginning of fiscal year)
Maximum carry over to next year is 10 days
Less than 5 years – 10 days per year
5-10 years – 15 days per year
10 years of more – 20 days per year