2018 Health Insurance Information
Health Insurance open enrollment is active from October 1 through October 31. All employees must enroll during the online October open enrollment period for January 1, 2018 coverage. If you do not make your health insurance elections prior to October 31 your coverage will be defaulted to Plan N.
K-State offers health insurance through the State Employee Health Plan, or SEHP. The Kansas Health Care Commission along with the SEHP determines the health insurance plan design each year. There are significant changes in 2018 health insurance coverage. Employees are strongly encouraged to review the material below very carefully prior to making your 2018 elections.
Health Plan Booklet
 | The 2018 Health Plan Booklet is available courtesy of State Employee Health Plan (SEHP). Additional plan year 2018 information is available on the State Employee Health Plan website. |
2018 plan options
| Plan A | Plan C | Plan Q | Plan 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 | 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 A | Plan C^ | Plan Q | Plan N^ | Plan J | |
| Employee HSA contribution | Not Available | $25 per pay period minimum | Not Available | No minimum required | Not Available |
| 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 |
| Deposit Schedule | Not Available | Quarterly, with deposits in January, April, July and October | Not Available | Quarterly, with deposits in January, April, July and October | Not 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 A | Plan C | Plan Q | Plan N | Plan J | |
| 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 |
| 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. | |||||
Premium rates
The per pay period premiums are changing for plans A and C across all coverage levels. Plans Q, N and J are new for 2018. 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.
You are highly encouraged to consider both semi-monthly and annual premium costs in selecting health insurance coverage that best fits your needs. An annual comparison chart (pdf) is available for your review.
MetLife information
Information regarding MetLife is available on the State Employee Health Plan (SEHP) website.
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.
Steps for 2018 enrollment
- 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.
2018 and 2017 plan option comparisons
The plan design for 2018 Plan A coverage is the same as in 2017, except the following.
| 2018 Plan A | 2017 Plan A | |
| Total out-of-pocket paid by employee | $6,250 Employee $12,500 Employee & 1 dependent $12,500 Employee & 2 or more dependents | $5,750 Employee $11,500 Employee & 1 dependent $11,500 Employee & 2 or more dependents |
The plan design for 2018 Plan C coverage is the same as in 2017, except the following. | ||
| 2018 Plan C | 2017 Plan C | |
| Total out-of-pocket paid by employee | $5,500 Employee $11,000 Employee & 1 dependent $11,000 Employee & 2 or more dependents | $5,000 Employee $10,000 Employee & 1 dependent $10,000 Employee & 2 or more dependents |
Plan A and C 2017 premium rates (pdf) is available to review coverage similarities and differences from 2018 coverage (see above 2018 plan options).
Frequently asked questions
I currently waive coverage for 2017. I want to waive coverage for 2018. What do I need to do?
Nothing. Your waived coverage will remain in 2018.
I have coverage in 2017, but I choose not to select a plan for coverage in 2018. What happens?
The State Employee Health Plan, or SEHP, will default your coverage in 2018 to Plan N. In addition to Plan N, your coverage will include a health reimbursement account, or HRA. The carrier and coverage level you selected in 2017 would remain the same.
I am enrolled in Plans J or Q and am eligible to earn additional HealthQuest funding. How do I receive this funding?
Employees enrolled in Plans J or Q will be required to enroll in a health reimbursement account, or HRA, during open online enrollment. This is required in order to receive and hold the earned HealthQuest dollars.
Do all plans provide for preventive services?
Yes. All plans cover preventive exams at 100 percent.
If I am a new employee and my initial coverage does not begin until November or December, do I need to complete open enrollment for 2018?
Yes. From October 1 through the end of the calendar year, there will be both an initial enrollment portal for 2017 coverage and an open enrollment portal for 2018 coverage open simultaneously. To ensure you have coverage for the remainder of 2017, you will need to complete the initial enrollment process. To ensure you have coverage for the 2018 calendar year, you will need to complete the open enrollment process.
There is not a price difference in carriers, Aetna or Blue Cross and Blue Shield of Kansas. What is the difference?
The network of physicians may be different based on the carrier you select. We recommend you view each carrier's network to find your physicians.
I'm having technical assistance when trying to enroll in the MAP system.
For more information, see MAP Technical Assistance.
Learn more about plan options
Common insurance terms
For more information, review resources available from the State Employee Health Plan.
High deductible health plan
For more information, review resources available from the State Employee Health Plan.
Health savings and reimbursement accounts
For more information, review resources available from the State Employee Health Plan.
