Georgia Tech offers a choice of four different medical plans. Each medical plan includes a pharmacy benefit and incorporates a network of physicians and facilities that help minimize your out-of-pocket expenses.

Eligibility

Employees - Regular, full-time/part-time faculty or staff who work at least 30 hours per week.

Dependents - An eligible dependent must meet one of the following criteria defined under the Georgia Tech Dependent Eligibility Rules for Medical plans only.

Effective Date of Coverage

Medical coverage is effective the first day of the month following your signed enrollment. If your date of hire is the first business day of the month and you complete your enrollment on or before that date, your medical coverage can begin on your date of hire. 

Open Access POS

• Utilizes BlueCross BlueShield Blue Open Access POS network
• Provides national and international coverage with in and out-of-network benefits
• 100% Wellness benefit in-network
• $20 office visit co-pay in-network
• $300 individual/$900 family annual deductible in-network
• 90% coinsurance benefit after annual deductible is met in-network
• Medco Rx manager with 30 day supply at $10 generic, $30 brand name and 20% non-preferred brand name co-pay levels
• Mail order program with cost savings for 3 month supply at 2.5 times 1 month co-pay
• Open Access POS Summary Plan Description
• Open Access POS Summary Plan Description
• BCBS of Georgia Provider Directory

• BCBS National Provider Directory

HSA Open Access POS

• Utilizes BlueCross BlueShield Blue Open Access POS network
• Provides national and international coverage with in and out-of-network benefits
• 100% Wellness benefit in-network
• $1,500 individual/$3,000 family annual deductible in-network
• 90% coinsurance benefit after annual deductible is met in-network
• Express Scripts Rx manager with 30 day supply at 90% coinsurance after deductible is met
• Eligibility to participate in Health Savings Account (HSA) with pre-tax contributions
• Georgia Tech monthly matching contributions to HSA account - up to $375 individual/$750 family for the year
• HSA Open Access POS Summary Plan Description
• BCBS of Georgia Provider Directory

• BCBS National Provider Directory

BlueChoice HMO

• Utilizes BlueChoice HMO network
• Provides in-state coverage with participating physicians and hospitals
• 100% Wellness benefit in-network
• $15 office visit co-pay in-network
• Requires Primary Care Physician (PCP) designation by member
• Flat co-pay for all levels of service
• Express Scripts Rx drug copays at $10 generic and $25 for brand name for 30 day supply
• BlueChoice HMO Summary Plan Description

• BCBS of Georgia Provider Directory

Kaiser HMO

• Utilizes Kaiser Permanente facilities and physicians
• Provides in-state coverage with participating physicians and hospitals
• 100% Wellness benefit in-network
• $15 office visit co-pay in-network
• Flat co-pay for all levels of service
• Kaiser Rx drug copays at $10 generic and $25 for brand name for 30 day supply
• Kaiser Provider Directory and Member Plan Information Site 

Tobacco Surcharge

Effective January 1, 2011, all employees covered by one of the Georgia Tech medical plans are required to certify whether they are current tobacco users. Tobacco use is classified as smoking tobacco in such forms as a cigarette, pipe, or cigar, or using smokeless tobacco, such as snuff or chewing tobacco (nicotine chewing gum is excluded). A tobacco surcharge of $50 will be added to your monthly premium if you use tobacco products. The reduction of tobacco use will reduce the cost of the insurance plans and, most importantly, keep employees healthy.

If an employee does not certify they are a tobacco user and it is determined they are a tobacco user, they will be subject to penalties including, but not limited to:

•  Payment of the $50 surcharge, plus a 10% penalty for each month since the certification.

For Tobacco User Cessation Assistance please read. If you are no longer a tobacco user, complete the Tobacco Use Affidavit and fax to the Benefits Team at 404-894-6978.

Cost

The cost for medical coverage is shared by you and Georgia Tech. Your share of the cost is based on the medical plan you choose to participate in and the coverage level you select (employee only, employee + child, employee + spouse, family). Your share of the cost will be deducted from your paycheck on a pre-tax basis.

View the 2012 Medical Rates

Academic Prepaids

Since January 1, 2000, employees on an academic pay cycle have a new deduction schedule which prorates the summer insurance premiums over the last five paychecks of the academic year (January-May). This new deduction schedule was implemented to avoid having to make a triple deduction in the May paycheck to cover benefit premiums over the summer. The advance deductions for summer paychecks to cover benefit premiums is listed separately on the paycheck, and is equal to an additional 40% of the regular monthly deduction for medical, dental, dependent life and supplemental life.

Changes to Your Election

Due to restrictions imposed by the Internal Revenue Service (IRS) code, after you make enrollment decisions during your initial eligibility or open enrollment, you cannot make changes during the remainder of the plan year (Jan. 1 to Dec. 31) unless a qualifying change in family status occurs. Please see the Family Status Change section for more information.

This information is provided for informational purposes only, and no warranty is provided for accuracy.  The information summarizes medical plans available.  It is not intended to cover all the details of each plan.

Additional Plan Information

You may access detailed plan information for each plan at the Board of Regents of the University System of Georgia website.