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Human Capital Services

2019 Health Insurance Information

The State of Kansas (through the Kansas Department of Health and Environment) and Kansas State University provide benefits eligible employees with health insurance plans and related programs as part of their total compensation. Enrollment in these programs is optional. The composition and enrollment period changes from time to time.

All insurance coverage begins together. The State Employee Health Plan (SEHP) has a mandatory 30+ day waiting period for all insurance plans. For coverage begin dates, please see: 2019 SEPH Coverage Begin Dates (pdf).

 

Health Plan Booklet 2018View the 2019 Health Plan Booklet (pdf) on the State Employee Health Plan website

 

 

2019 plan options

 Plan APlan CPlan QPlan N*Plan J
Deductible

$1,000 Employee

$2,000 Employee & 1 dependent

$3,000 Employee & 2 or more dependents

$2,750 Employee

$5,500 Employee & all dependents

$500 Employee

$1,000 Employee & all dependents

$2,750 Employee

$5,500 Employee & all dependents

$500 Employee

$1,000 Employee & all dependents

Coinsurance

20%

20%

50%

35%

25%

Primary care physician office visit copayment

$40

Subject to deductible

Subject to deductible

Subject to deductible

Subject to deductible

Specialist visit copayment

$60

Subject to deductible

Subject to deductible

Subject to deductible

Subject to deductible

Prescription coinsurance
(% is based on medication type)

20, 40 or 65%

After deductible is met: 20, 40 or 65%

After deductible is met: 20, 40 or 65%

After deductible is met: 20, 40 or 65%

After deductible is met: 20, 40 or 65%

Combined out-of-pocket maximum

$6,250 Employee

$12,500 Employee & dependent(s)

$5,500 Employee

$11,000 Employee & dependent(s)

$6,650 Employee

$13,300 Employee & dependent(s)

$6,650 Employee

$13,300 Employee & dependent(s)

$7,350 Employee

$14,700 Employee & dependent(s)

*Your coverage will be defaulted to Plan N if you do not select a separate plan during the open enrollment period.

Health savings account contribution
 Plan APlan C^Plan QPlan N^Plan J
Employee HSA contribution Not Available$25 per pay period minimumNot AvailableNo minimum requiredNot Available
FULL TIME
Employer HSA contribution

Not Available

$1,000 Employee

$1,250 Employee & spouse

$1,750 Employee & child(ren)

$1,250 Employee & family

Not Available

$500 Employee

$625 Employee & spouse

$875 Employee & child(ren)

$625 Employee & family

Not Available
PART TIME
Employer HSA contribution

Not Available

 

$625.20 Employee

$687.60 Employee & spouse

$1,187.60 Employee & child(ren)

$687.60 Employee & family

 

Not Available

 

$312.75 Employee

$343.80 Employee & spouse

$593.80 Employee & child(ren)

$343.80 Employee & family

 

Not Available

Deposit Schedule

Not Available

Quarterly, with deposits in January, April, July and OctoberNot AvailableQuarterly, with deposits in January, April, July and OctoberNot Available
HealthQuest HSA earning potential

Not Available

HSA or HRA

Employee maximum of $500

Spouse maximum of $500, if covered

 

HRA

Employee maximum of $500

Spouse maximum of $500, if covered

HSA or HRA

Employee maximum of $500

Spouse maximum of $500, if covered

 

HRA

Employee maximum of $500

Spouse maximum of $500, if covered

^Internal Revenue Service (IRS) rules apply. Carefully review HSA requirements for more information.

 

Health reimbursement account contribution
 Plan APlan CPlan QPlan NPlan J

FULL TIME
Employer HRA Contribution

Not Available

$1,000 Employee

$1,250 Employee & spouse

$1,750 Employee & child(ren)

$1,250 Employee & family

Not Available

$500 Employee

$625 Employee & spouse

$875 Employee & child(ren)

$625 Employee & family

Not Available

PART TIME
Employer HRA Contribution

 Not Available 

$625.20 Employee

$687.60 Employee & spouse

$1,187.60 Employee & child(ren)

$687.60 Employee & family

 Not Available 

$312.75 Employee

$343.80 Employee & spouse

$593.80 Employee & child(ren)

$343.80 Employee & family

 Not Available
HealthQuest HRA earning potential

Not Available

HSA or HRA

Employee maximum of $500

Spouse maximum of $500, if covered

HRA

Employee maximum of $500

Spouse maximum of $500, if covered

HSA or HRA

Employee maximum of $500

Spouse maximum of $500, if covered

HRA

Employee maximum of $500

Spouse maximum of $500, if covered

When enrolling in Plan C or N, members have the choice of an HRA or HSA.

When enrolling in Plan J or Q, members will need to elect an HRA during the enrollment process in MAP to hold any HealthQuest dollars earned throughout the plan year.

Health Savings Account (HSA): Employee and employer funded; employee owned funds.
Health Reimbursement Account (HRA): Employer funded; borrowed funds.

Premium rates

Medical and dental premiums are paid two times per month, or 24 times per year. Vision premiums are paid one time per month, or 12 times per year. Note: These are standard premium rates and do not reflect any HealthQuest Rewards Program discount you may have earned.

2019 Health Premium Rates

Rate Comparison from 2018 Plan Year (xls)

Dental

  • Check out the KDHE Delta Dental website for more information.
  • The university and employee contribute toward the cost of coverage.

Medical

  • Check out the KDHE Health Insurance website for more information.
    • Enrollment and change forms found on the various medical plan homepages are not applicable for State of Kansas employees. All enrollment and change are done by the employee online in the Membership Application Portal.
  • NOTE: Employees desiring to enroll dependents are required by the State of Kansas to provide proof of relationship/dependency for each dependent. Appropriate documentation would include such items as marriage license for spouse or birth certificate for children.
  • Eligibility: (1) First day of month following 30 days of employment, (2) during annual open enrollment, or (3) within 31 days of a qualifying event.
  • The university and employee contribute toward the cost of coverage.

Prescription drug plan

  • Check out the KDHE Caremark website for more information.
  • To be eligible, must be enrolled in group health insurance.
  • The university and employee contribute toward the cost of coverage.

Vision services plan

Flexible Spending Account (FSA)

Flexible Spending Accounts (FSA) allows you set aside funds on a pre-tax basis for any qualified medical, dental, vision, or daycare expense. There are three accounts you can enroll in, the Healthcare FSA, Limited Purpose FSA, and Dependent Care FSA. 

  • The Healthcare FSA allows you to be reimbursed for any qualified medical, dental, or vision expense that is not covered by insurance. Common expenses for the Healthcare FSA include copays, prescriptions, eye glasses, and dental services such as orthodontics.
  • If you participate in the Health Savings Account (HSA), you can enroll in the Limited Purpose FSA which allows you to be reimbursed for any qualified dental or vision expense while you save your HSA dollars for future medical expenses.
  • If you have a dependent under the age of 13 or adult dependent that is physically or mentally incapable of self-care (must spend at least 8 hours in your household), then a Dependent Care FSA can reimburse you for any daycare costs. Common expenses for the Dependent Care FSA include daycare centers, before/after school care, and adult daycare centers.

Carryover up to $500 in unused Healthcare or Limited Purpose FSA Funds
FSA participants can carry over $25 to $500 of remaining FSA funds into the next plan year and those funds may be used for qualified medical expenses incurred during that year. If you are enrolling in a Health Savings Account for the first time and previously had a Healthcare FSA, your funds will automatically carry over into a Limited Purpose FSA.

Dependent Care FSA funds do not carryover. The deadline to submit dependent care expenses is April 30th the following calendar year.

Metropolitan information

Information regarding Metropolitan (MetLife) is available on the State Employee Health Plan (SEHP) website.

Please note that this is not life insurance. These optional plans are to help with medical expenses incurred while hospitalized, after an accident, or for a critical illness.

 

2019 health insurance coverage review

To review your health coverage and health savings/health reimbursement account information, you must review directly from the State of Kansas Membership Administrative Portal (MAP). Your enrollment information will no longer be able to be seen on your benefits summary or broken out on your self-service paycheck.

If you have questions on your enrollment, please feel free to email the State Employee Health Plan directly at sehpmembership@kdheks.gov. If you have other questions, please direct them to benefits@ksu.edu and we will assist you.

Steps to enroll for coverage

  • Log in to HRIS.
  • Navigate to Employee Self Service.
  • Select Benefits.
  • Select Health Insurance Enrollment.
  • You may need to reenter your eID and password.
  • Select Kansas State University from the dropdown box.
  • Once logged in to the MAP portal, Add Family Member, if applicable.
  • Load supporting documents, if applicable.
  • Select Enrollments & Events, then Launch Enrollment.
  • Make your health insurance selections for coverage.
  • Review and select the "I have read and agree..." statement checkbox.
  • Select Continue.
  • You must print a copy of your health insurance coverage selections for your records (Ctrl+P).
  • Log out of the MAP portal.

Dependent documentation must be uploaded when enrolling. For dependents that are non-resident aliens and cannot obtain a social security number (SSN), the employee should use 888111111 when prompted to enter a SSN. For dependent newborns (less than 31 days old) that do not have a SSN, the employee should use 777777777 until the actual SSN is provided. After receiving the actual SSN, the employee should log in to the MAP portal to update to the actual SSN.

Steps to review your coverage

  • Log into HRIS as you do to review your paycheck
  • Go to Employee Self Service
  • Select Benefits
  • Select Health Insurance Enrollment
  • You may need to reenter your eID & Password
  • Select the Benefits tab to review your elections
  • After reviewing, be sure to select Logout

Learn about HealthQuest Rewards

 

Other information

Employees Assistance Program

The State of Kansas offers an award winning Employee Assistance Program (EAP) through ComPsych. Services offered include, but are not limited to: confidential personal counseling, legal advice and discounts, personal money management advice and work-life solutions. There is confidential, expert information on issues that matter to you most, all in one place. It’s one of the best kept secrets around!

RX Savings Solutions

RX Savings Solutions provides a pharmacy technician to speak with about your prescription needs and find ways to lower your prescription drug costs. 

Learn more about plan options