Health Insurance Info 2025

The State of Kansas (through the Kansas Department of Administration) 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 on the first day of employment.

View the 2025 Health Plan Booklet (pdf) on the State Employee Health Plan website

Plan options and carriers: Aetna or Blue Cross Blue Shield

Plan options and carriers: Aetna or Blue Cross Blue Shield
Plan type	Plan A	Plan C	Plan N*	Plan J
Deductible	$800 Employee $1,600 Employee & all dependents	$2,750 Employee $5,500 Employee & all dependents	$2,750 Employee $5,500 Employee & all dependents	$500 Employee $1,000 Employee & all dependents
Coinsurance	20%	10%	35%	25%
Primary care physician office visit copayment	$20	Subject to deductible	Subject to deductible	Subject to deductible
Specialist visit copayment	$40	Subject to deductible	Subject to deductible	Subject to deductible
Prescription coinsurance (% is based on medication type)	20, 35 or 60%	After deductible is met: 20, 35 or 60%	After deductible is met: 20, 35 or 60%	After deductible is met: 20, 35 or 60%
Combined out-of-pocket maximum	$5,250 Employee $10,500 Employee & dependent(s)	$4,500 Employee $9,000 Employee & dependent(s)	$6,650 Employee $13,300 Employee & dependent(s)	$7,350 Employee $14,700 Employee & dependent(s)
*If you currently have medical coverage, and do not re-enroll during the open enrollment period, you will be defaulted to Plan N.

Health savings account contribution - Metlife
Plan type	Plan A	Plan C^	Plan N^	Plan J
Employee HSA contribution	Not Available	$25 per pay period minimum	No minimum required	Not Available
FULL TIME Employer HSA contribution per year	Not Available	$1,000 Employee $2,000 Employee & spouse $2,000 Employee & child(ren)	$500 Employee $1,125 Employee & spouse $1,000 Employee & child(ren)	Not Available
PART TIME Employer HSA contribution	Not Available	$625.20 Employee $1,187.25 Employee & spouse $1,187.25 Employee & child(ren)	$312.60 Employee $843.76 Employee & spouse $593.76 Employee & child(ren)	Not Available
Deposit Schedule	Not Available	Quarterly, with deposits in January, April, July and October	Quarterly, with deposits in January, April, July and October	Not Available
HealthQuest HSA earning potential	Not Available	HSA or HRA Employee maximum of $500	HSA or HRA Employee maximum of $500	HRA Employee maximum of $500
^Internal Revenue Service (IRS) rules apply. Carefully review HSA requirements for more information.

Health reimbursement account contribution - Metlife
Plan type	Plan A	Plan C	Plan N	Plan J
FULL TIME Employer HRA Contribution	Not Available	$1,000 Employee $2,000 Employee & spouse $2,000 Employee & child(ren)	$500 Employee $1,125 Employee & spouse $1,000 Employee & child(ren)	HealthQuest Rewards Earned
PART TIME Employer HRA Contribution	Not Available	$625.20 Employee $1,187.52 Employee & spouse $1,187.52 Employee & child(ren)	$312.60 Employee $843.76 Employee & spouse $593.76 Employee & child(ren)	HealthQuest Rewards Earned
HealthQuest HRA earning potential	Not Available	HSA or HRA Employee maximum of $500	HSA or HRA Employee maximum of $500	HRA Employee maximum of $500
When enrolling in Plan C or N, members have the choice of an HRA or HSA. When enrolling in Plan J, 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): Employer funded and may be employee funded; employee owned funds. Health Reimbursement Account (HRA): Employer funded; borrowed funds.

Premium rates

Medical, dental and vision premiums are paid two times per month, or 24 times per year. Note: These are standard premium rates and do not reflect any HealthQuest Rewards Program discount you may have earned. Plans A, C, J and N reflect Aetna/BCBS.

Full-Time — Plan Year 2025 Semi-Monthly Rates for State of Kansas Active Employees
Employee Category	Plan A	Plan C	Plan J	Plan N	Dental	Basic Vision	Enhanced Vision
Employee Only	$39.90	$35.20	$52.56	$23.25	$0.00	$1.94	$3.88
Employee + Spouse	$237.27	$123.69	$153.38	$84.30	$9.97	$3.99	$7.89
Employee + Children	$126.56	$65.02	$91.27	$43.92	$7.98	$3.61	$7.12
Employee + Family	$415.40	$208.33	$262.79	$150.17	$17.98	$5.57	$11.04

All Part Time
Employee Category	Plan A	Plan C	Plan J	Plan N	Dental	Basic Vision	Enhanced Vision
Employee Only	$115.68	$52.62	$65.60	$34.76	$0.00	$1.94	$3.88
Employee + Spouse	$353.96	$158.20	$179.76	$107.83	$12.58	$3.99	$7.89
Employee + Children	$200.22	$88.32	$108.80	$59.65	$10.04	$3.61	$7.12
Employee + Family	$561.67	$251.24	$299.61	$181.08	$22.71	$5.57	$11.04

HealthyKIDS
Employee Category	Plan A	Plan C	Plan J	Plan N	Dental	Basic Vision	Enhanced Vision
Employee + Children	$82.82	$49.37	$79.52	$33.36	$1.77	$3.61	$7.12
Employee + Family	$310.55	$190.54	$247.52	$137.34	$11.74	$5.57	$11.04

*If you have qualified for the HealthQuest Rewards Program Premium Incentive Discount, subtract $20 per pay period from the rates above to determine the amount of your discounted semi-monthly premium. Non State Group Employees should check with their HR office for premium rates.

Dental

Delta Dental is the dental provider.
Visit the State Employee Health Plan (SEHP) website for more information.
The university and the employee contribute toward the cost of coverage.

Enhanced Benefit Applies when you have had at least one routine cleaning and/or preventive oral exam in the past 12 months.
Dentist Network Options	Delta Dental PPO	Delta Dental Premier	Non-Network
Diagnostic & Preventive Services	100%	100%	100%*
Basic Restorative Services	80%	60%	60%*
Major Restorative Services	50%	50%	50%*
Implant Coverage	50%	50%	50%*

Enhanced Benefit Applies when you have not had at least one routine cleaning and/or preventive oral exam in the past 12 months.
Dentist Network Options	Delta Dental PPO	Delta Dental Premier	Non-Network
Diagnostic & Preventive Services	100%	100%	100%*
Basic Restorative Services	50%	50%	50%*
Major Restorative Services	40%	30%	30%*
Implant Coverage	40%	30%	30%*

*When dentists agree to become part of Delta Dental's PPO or Premier Network, they agree to accept established fees for services, and cannot charge you the difference between the agreed upon fee and their usual fee. Non-network dentists have not agreed to an established fee for service, therefore, any amounts in excess of Delta Dental's established fee for service is the member's responsiblity when seeing a non-network dentist.

Your Annual Benefit Maximum				Your Deductible	Your Orthodontia Lifetime Benefit Maximum
$2,000 per member				$50 per person, per plan year	50% Coinsurance up to $1,500 per member

Note: Your deductible is not to exceeda yearly family max of $150) Deductible does not apply to Diagnostic & Preventive Services.

Medical

Visit the State Employee Health Plan (SEHP) website for more information. All enrollments and changes are done by the employee online in the Membership Administration 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 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

Voluntary Prescription Eyewear

Surency is the vision provider.
Visit the State Employee Health Plan (SEHP) website for more information.
Employee contribution only.

Eye Exams: Subject to $50 Copayment
Service or Item	Basic Plan: Network	Enhanced Plan: Network	Non-Network
Eye Exam, M.D. or O.D.	Covered in Full After Copayment	Covered in Full After Copayment	Up to $38*

Eyeglasses: Subject to $25 Materials Copayment
Service or Item	Basic Plan: Network	Enhanced Plan: Network	Non-Network
Frame	up to $100 retail*	up to $150 retail*	Basic: Up to $45* Enhanced: Up to $78*
Single Vision Lens, pair	Covered in Full After Copayment	Covered in Full After Copayment	Up to $31*
Bifocal Lenses, pair	Covered in Full After Copayment	Covered in Full After Copayment	Up to $51*
Trifocal Lenses, pair	Covered in Full After Copayment	Covered in Full After Copayment	Up to $64*
Lenticular Lenses, pair	Covered in Full After Copayment	Covered in Full After Copayment	Up to $80*
Progressive Lenses, pair	Not Covered	See tier chart in SEHP booklet (page 36)	Not Covered
High Index Lenses, pair	Not Covered	Covered up to $116 retail*	Not Covered
Polycarbonate Lenses, pair	Member pays up to $40	Covered in Full	Not Covered
Scratch Coat	Member pays up to $15	Covered in Full	Not Covered
UV Coat	Member pays up to $15	Covered in Full	Not Covered

Contact Lenses: Not Subject to Materials Copayment
Service or Item	Basic Plan: Network	Enhanced Plan: Network	Non-Network
Elective/Cosmetic Retail	Covered up to $150 retail*	Covered up to $150 retail*	Covered up to $105*
When Medically Necessary	Covered in Full	Covered in Full	Covered up to $105*

Contact Lens Exam Fitting Fee: $35 Copayment
Service or Item	Basic Plan: Network	Enhanced Plan: Network	Non-Network
Standard Contacts**	Covered in Full After Copayment	Covered in Full After Copayment	Not Covered
Specialty Contacts***	10% off Retail Price, minus $55 allowance	10% off Retail Price, minus $55 allowance	Not Covered

Frequencies
Service or Item	Basic Plan: Network	Enhanced Plan: Network	Non-Network
Eye Exam	Covered once every calendar year
Frames	Covered once every calendar year
Frame Lenses	Covered Once every calendar year unless contact lenses have been elected.
Contact Lenses	Covered Once every calendar year unless frame lenses have been elected.

*You are responsible for any charges above the allowance.
** Standard contacts lens fit and up to two follow up visits covered once a comprehensive ye exam has been completed. Typical standard lens wearers include disposable, daily wear lenses.
*** Specialty contact lens fit and up to two follow up visits covered once a comprehensive eye exam has been completed. Typical specialty lens wearers include tonic, gas permeable and multi-focal lenses.

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 five accounts you can enroll in, the Healthcare FSA, Limited Purpose FSA, Dependent Care FSA, Mass Transit FSA, and Parking 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.
Mass Transit FSA allows reimbursement for qualified mass transit tickets or passes, or State of Kansas Vanpools. Unused contributions may be carried over to the following calendar year.
Parking FSA allows reimbursement for parking associated with your daily commute. Unused contributions may be carried over to the following calendar year.

**Neither the mass transit or parking FSAs may be beneficial for most K-State employees since parking is already deducted pre-tax via payroll. These are statewide SOK benefits and would only apply if you take mass transit to work and/or pay for non-KSU parking on a regular basis that is not reimbursed or deducted by K-State.

FSA Healthcare participants can carry over up to to $570 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.

Visit the State Employee Health Plan (SEHP) website for more information.

Supplemental insurance options

MetLife offers hospital indemnity, accident, and critical illness insurance for State Employee Health Plan Members.

Information on the supplemental insurance options provided by 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.

Health Savings/Health Reimbursement Accounts

The State of Kansas offers multiple ways for employees to save on eligible expenses through tax-advantaged accounts facilitated by NueSynergy. There’s a Health Savings Account (HSA), available to employees who enroll in a qualifying High Deductible Health Plan (HDHP) like Plans C or N; a Health Reimbursement Account (HRA) for those members enrolled in Plans C, J, or N; and Flexible Spending Accounts (FSA).

Each of these accounts can be used to pay for IRS-qualifying expenses. They’re tax-advantaged because any amount you elect to contribute is deducted from your pay on a pretax basis, saving you on taxes with every paycheck.

To review your health coverage and health savings/health reimbursement account information, you must review directly from the State of Kansas Membership Administration 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@ks.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

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.

Health Insurance Info 2025

Past State of Kansas enrollment guides