2020 Benefits

Medical Benefits

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following date of hire.

Summary of Benefits and Coverages

The purpose of the Norwich University Cafeteria Plan is to address each employee’s unique benefit needs by offering plan choice. Norwich University offers three medical plans for employees to choose from – Gold, Silver or Bronze – with varying deductibles, copays, and coinsurance.

The chart below provides a high level overview of the medical plan design and features.

*New in 2020: Employees who elect to enroll in the Bronze Plan will also be enrolled in the Group Accident Plan offered by Unum at no additional cost.

All three medical plans offer certain services to covered individuals at little to no cost. These include Telehealth and Preventive Care Services. For more details about these services through Cigna Healthcare, please review the brochures on the Medical – Cigna Value Added Programs page.

The following brochures provide details about prescription drug coverage for all three medical plans.

Carrier Contact Information

Cigna Healthcare: Medical Insurance

Customer Service: 800-244-6224
Website: http://www.mycigna.com

Contributions & Rates

Employee contributions to the medical plan are based on a percentage of salary and the employee’s willingness to participate in certain wellness program incentives*.

Calculation:
1) Annual Salary x Percentage of Employee Contribution/26 = Per Pay Period Base Premium
2) Per Pay Period Base Premium + $20 Wellness Premium – $10 (Tobacco Free/Cessation Program Incentive) – $10 (Completed Cigna Telehealth Registration Incentive) = Employee’s Final Per Pay Period Premium

*For a full explanation of the wellness incentive program, please see the Wellness Program page.

Additional Information

Medicare Information

Medicare Overview

Central Vermont Council on Aging provides information, counseling, and assistance to all Medicare eligible persons under the auspices of the State Health Insurance & Assistance Program or “SHIP.”

Their staff counsels individuals and provides workshops to the public on Medicare. They can answer questions about Medicare, private insurance plans, supplemental insurance plans, and Vermont State insurance programs. They also offer regularly scheduled “Medicare & You” workshops in locations convenient to you.

Click the button below to find out more information.

Contact Information

Medicare: Central VT Council on Aging -Medicare Counseling (“SHIP”)

Customer Service: 802-479-0531
Email: info@cvcoa.org 

Wellness Program & Premium Credits

Wellness Program Overview

In 2020, Norwich University will continue to offer employees the opportunity to reduce their bi-weekly medical premiums by satisfying certain wellness requirements. Norwich applies an initial $20 wellness premium surcharge to every benefit eligible employee’s base medical premium. Employees have the opportunity to earn two $10 incentives by:

1.) Being Tobacco Free or Completing or Enrolled in a Cessation Program:
All benefit eligible employees who do not or did not use tobacco in 2019 or who are currently enrolled in a cessation program during the 2019 calendar year will attest to being tobacco free by completing a declaration at the time they enroll in benefits. For those who attest they are tobacco free, an incentive of $10 will be applied toward their overall cost of benefits.

Current tobacco users who are making attempts to quit are eligible to receive free nicotine replacements (for example, patches, gum, and lozenges) through Cigna (www.mycigna.com). The Vermont Quit Network (1-800-QUITNOW) is available for additional support.

2.) Having Completed an Annual Physical in 2019 or Having Scheduled an Annual Physical in 2020:

Because completion of an annual physical and preventive screenings, suchs as paps, mammograms, colorectal screenings, prostate cancer screenings, etc., recommended by your primary care provider is a critical component of wellness, all benefit eligible employees who had an annual physical and recommended screenings during the 2019 calendar year (or who have one scheduled for 2020) will receive a $10 premium credit to reduce their bi-weekly premiums for health insurance in 2020. You will be asked to attest to this by completing a declaration during open enrollment.

You are encouraged to obtain any immunizations recommended by your provider.

Important Contact Information

Cigna Healthcare Telehealth Services – MD Live

Customer Service: 888-726-3171
Website: www.mdliveforcigna.com

Cigna Healthcare Telehealth Services – AmWell

Customer Service: 855-667-9722
Website: www.amwellforcigna.com

VT Quit Network

Customer Service: 1-800-QUITNOW (1-800-784-8669)
Website: www.802quits.org

Additional Information

Medical Plan - Cigna Value Added Programs

Cigna Value Added Programs Overview

In addition to the medical plans offered through Cigna to Norwich University’s employees, there are additional value added programs and services offered to covered individuals at little to no additional cost.  These include telehealth and preventive care services.

Please click the box below to watch a short video on the cost comparison tools Cigna offers.

Cigna Value Added Programs

Cigna Telehealth

Employees can access Telehealth services to treat minor medical conditions like colds, flus, sore throats, allergies, and more. Telehealth allows employees to connect with a board-certified doctor via video or phone.

The cost of the Telehealth visit is $0 for the Gold and Silver plans and significantly less on the Bronze plan. Appointments can typically be scheduled within one hour or less. It is recommended that employees complete the registration process before Telehealth services are needed to make scheduling an appointment quicker in the future. As an incentive, your employer is offering a $10.00 bi-weekly health insurance premium reduction for completing your Telehealth registration in advance.

To register, please go to: www.mdliveforcigna.com

or go to: www.amwellforcigna.com

Online Health Assessment

Employees can complete a confidential online health assessment to gain a better understanding of your health. After completing the health assessment, a personal health report will be created to provide employees with information about potential health risks, suggestions on what you can do to get healthier, and where to find resources and support.

This health assessment is optional and is provided as a service to support Norwich employees and their health.

To access the health assessment:

  • Login to health at www.mycigna.com
  • Go to My Health Tab
  • Click on the Health Assessment Title
  • Click on Get Started

Cigna Healthy Pregnancies, Healthy Babies

Learn how to stay in the best possible health during pregnancy. You can find a wealth of information on mycigna.com from trusted sources like WebMD and Healthwise. You’ll learn how to:

  • Make a plan for a healthy pregnancy
  • Monitor your pregnancy week by week
  • Prepare for labor and delivery
  • Care for your baby

To get started, please login to mycigna.com, click on the My Health tab, and then click on My Health Programs & Resources.

Happify

Happify (offered through Cigna) is a free app with science-based games & activities that are designed to help support you and your emotional health.

These activities can help you:

  • Gain confidence
  • Reduce stress and anxiety
  • Increase mindfulness and emotional well-being
  • Boost health and performance

After answering a few simple questions, you can participate in the games and activities and earn points to win valuable prizes.

To get started or find out more information, download the free app at: happify.com/Cigna

Important Contact Information

Cigna Healthcare Telehealth Services – MD Live

Customer Service: 888-726-3171
Website: www.mdliveforcigna.com

Cigna Healthcare Telehealth Services – AmWell

Customer Service: 855-667-9722
Website: www.amwellforcigna.com

VT Quit Network

Customer Service: 800-QUITNOW
Website: www.802quits.org

Cigna Value Added Programs -Continued

Lifestyle Management Programs

Whether your goal is to lose weight, quit tobacco or lower your stress levels – Cigna Lifestyle Management Programs can help. This program is at no additional cost to employees. Each program is easy to use and available when needed. Employees can use each program online or over the phone -or both.

These programs include:

  • Weight Management
  • Tobacco Cessation
  • Stress Management

To get started or find out more information, please visit www.mycigna.com or call (800) 244-6224

Pharmacy Benefit Education Tools

Cigna Healthcare offers tools to help employees understand the best ways to get the most out of their pharmacy benefit plan. Use mycigna.com to:

  • See your pharmacy claim history
  • See Rx prices based on your plan
  • Ask a pharmacist a question
  • Manage home delivery
  • Use the drug cost tool
  • Get help understanding and managing conditions and the use of specialty medications.

Visit www.mycigna.com or call Cigna Member Services at (800) 244-6224

Omada

Cigna Diabetes Prevention Program in collaboration with Omada is a program to help you avoid the onset of diabetes, as well as health risks that might lead to heart disease or a stroke. The program is covered by your health plan at the preventive level, just like for your wellness visit. Program participants have access to a professional virtual health coach, an online support group, interactive lessons, and a smart-technology scale. The program will help you make small changes in your eating, activity, sleep, and stress to achieve healthy weight loss through a series of 16 weekly lessons and tools to help you maintain weight loss over time. You may also be offered the opportunity to join a gym for a low monthly fee and no enrollment fee.

There is no cost to the members who participate in this program and is highly recommended to members at risk for type 2 diabetes.

To see if you are eligible, take Omada’s 1-minute health screener by visiting: omadahealth.com/norwich

iPrevail

iPrevail is a digital therapeutics platform designed to help you take control of the stresses of everyday life by:

  • Decreasing stress from relationships, work, school and daily life
  • Building resilience and positivity
  • Overcoming feelings of anxiety

How does it work?

  • Sign up for iPrevail on mycigna.com
  • Take an assessment
  • View interactive video lessons, engage in support communities and online wellness activities
  • Earn rewards for getting healthy

To get started or find out more information, visit www.mycigna.com, go to the Stress & Emotional Wellness Page, and click on the iPrevail link.

Flexible Spending Accounts & Dependent Care Accounts

Flexible Spending Accounts

Flexible Spending Accounts provide you with an important tax advantage that can help pay healthcare and dependent care expenses on a pre-tax basis. By anticipating health care & dependent care costs for the next year & setting aside money, employees can lower their taxable income. These plans are administered by Cigna.

Claims for reimbursement FSA and DCA expenses must be received by Cigna for 2019 by the following March 31st.

Flexible Spending Medical Account (FSA)

  • Employees may contribute up to a maximum of $2,750 to the health FSA.
  • The program allows employee’s to use the funds for certain IRS-approved expenses such as medical deductibles, copayments/coinsurance, and prescription copays.
  • A full listing of IRS-approved expenses can be found here.
  • This plan includes a rollover provision that allows employees who elect the FSA to rollover up to $500 of unused funds into the next plan year for the medical FSA only.
  • Employees who elect the Bronze plan and a Health Savings Account may elect a Limited Purpose FSA (LPFSA) which can only be used for dental and vision expenses.

 

Dependent Care Account (DCA)

  • Employees may contribute up to a maximum of $5,000 (if single or married filing jointly) or $2,500 (if married filing separately).
  • Pre-tax funds can be used to pay for qualified dependent care expenses such as day care for children under age 13 and/or elder care.
  • A full listing of IRS-approved expenses can be found here.
Carrier Contact Information

Cigna Healthcare

Customer Service: 800-244-6224
Website: www.mycigna.com

Contributions

Made By Employees

Forms and Plan Documents

Health Savings Account

What is a Health Savings Account (HSA)?

A Health Savings Account (HSA) is a tax-advantaged account owned by an individual that can be used to pay for qualified medical expenses for the owner and their dependents. An HSA, which must be paired with an HSA-qualified health plan (the Bronze plan), allows employees and employers to make pre-tax contributions to a federally-insured account. HSA balances earn tax-free interest, roll over from year to year and can be invested to accelerate growth. at age 65, HSA funds can be withdrawn for any reason and are taxed as income (just like an IRA or 401(k)). Tax-free distributions would continue to be available for qualified medical expenses.

All of the money in an HSA (including any contributions made by an employer) is owned by the employee even if thy leave their job, lose their qualifying coverage or retire. The money in an HSA never expires. All remaining HSA funds roll over each year.

HSA Eligibility

To be eligible for an HSA, an employee must:

  1. Be enrolled in a qualified High Deductible Health Plan (HDHP) (ie: Bronze Plan).
  2. Not be claimed as a dependent on another’s tax return.
  3. Not be enrolled in Medicare.
  4. Not be insured under any other medical plan that is not a HDHP.
  5. Have not received VA benefits (Medical or Rx) during the past 3 months.
How to Open a HSA

If an employee wishes to contribute to an HSA, they are responsible for opening an account at a bank of their choice or with an established HSA administrator such as HSA Bank, Health Equity, or many others.

Employer Contributions

In 2020, Norwich University will match employee’s contributions to an HSA up to a maximum of $20 per pay period (or $520 annually). Employees can indicated how much they want to contribute to an HSA during the bswift online enrollment process. Norwich University will deposit the employee contributions into the employee’s HSA through bi-weekly payroll deductions.

Carrier Contact Information

Cigna Healthcare

Customer Service: 800-244-6224
Website: www.mycigna.com

Employee Contribution Limits

Employees may make contributions to their HSA subject to IRS limits.

Dental Benefits

Eligiblity

All employees who work a minimum of 30 hours per week are eligible for coverage on the 1st day of the month following date of hire.

Summary of Benefits and Coverages

Norwich University offers benefit eligible employees the choice between two dental plans which have varying coverage levels.

The chart below provides a high level overview of the dental plan design and features.

Vision Benefits

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following date of hire.

Summary of Benefits and Coverages

Norwich University offers voluntary 100% employee paid vision coverage through VSP.

The chart below provides a high level overview of the vision plan design and features.

Please be sure to check whether or not your provider is a member of the VSP network.

Eyeconic – Online Eyeglass Store

VSP has partnered with Eyeconic to offer more savings to you and your family on the purchase of lenses, frames, contacts and sunglasses with the Eyeconic online eyeglass store. Please click on the link button below for more information.

Group & Voluntary Life Benefits

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following date of hire.

Summary of Benefits and Coverages

Norwich University provides benefit-eligible employees with the core benefits of life insurance and accidental death & dismemberment insurance. In addition to these core benefits, employees can supplement their plans by purchasing voluntary life insurance to cover themselves and their families.

Below is an outline of the coverages available under each plan.

Basic Term Life & AD&D Insurance:

  • 100% funded by Norwich University
  • 1x salary to maximum of $370,000
  • Minimum coverage amount of $15,000
  • Coverage amounts will reduce by 35% at age 70 and by 50% at age 75
  • Basic AD&D coverage amount is equal to the Basic Life coverage amount

Optional Employee Term Life & AD&D Insurance:

  • 100% employee funded
  • Employees may elect coverage in increments of $10,000 to a maximum of 5x salary or $500,000 (whichever is less) to cover themselves
  • Non-medical maximum is $200,000*
  • Coverage amounts will reduce by 35% at age 70 and by 50% at age 75
  • Optional AD&D: Additional optional AD&D is also included in this plan

Optional Spouse Term Life & AD&D Insurance:

  • 100% employee funded
  • Coverage is available in units of $5,000 to a maximum of $500,000 (not to exceed 100% of the employee’s optional life insurance) to cover the employee’s spouse
  • Non-medical maximum is $25,000*
  • Optional Spousal AD&D: Additional optional AD&D is also included in this plan

Optional Child(ren) Term Life & AD&D Insurance:

  • 100% employee funded
  • Coverage is available in units of $2,000 to a maximum of $10,000

*Employees may elect up to $200,000 in optional life coverage for themselves (or $25,000 for their dependent spouse) within the first 31 days of employment without having to complete a medical history statement (evidence of insurability form). If applying outside the first 31 days of employment, or for coverage in excess of $200,000, a medical history statement is required and approval is subject to medical underwriting.

Carrier Contact Information


Unum: Life, Optional Life & Disability Insurance
Customer Service: 800-421-0344 (Life, Optional Life, LTD & STD)
Website: www.unum.com

Contributions

Group Life is 100% paid for by Norwich University.

Voluntary Life is 100% paid for by the employee. Premium costs are based on the amount of coverage approved and the age of the participant.

Forms and Plan Documents

Long-Term Disability

Eligibility

Long-Term Disability: All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following date of hire.

Summary of Benefits and Coverages

Class 1 LTD – Staff:

  • 100% funded by Norwich University
  • Benefits begin after 90 days of any one period of total disability
  • Benefit is 66 2/3% of monthly earnings to a maximum benefit of $7,500 per month
  • Benefit duration is to age 65 if disabled prior to age 62. If older, schedule of benefit duration is based on age

Class 2 LTD – Faculty:

  • 100% funded by Norwich University
  • Benefits begin after 180 days of any one period of total disability
  • Benefit is 66 2/3% of monthly earnings to a maximum benefit of $7,500 per month
  • Benefit duration is to age 65 if disabled prior to age 62. If older, schedule of benefit duration is based on age
Contributions

LTD Insurance is 100% funded by Norwich University.

Carrier Contact Information


Unum: Long-Term Disability Insurance
Customer Service: 800-421-0344
Website: www.unum.com

Forms and Plan Documents

Accident & Critical Illness Insurance

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage only during the annual open enrollment period.

Summary of Benefits and Coverages

Accident Insurance:

Employees and dependents who enroll in the Bronze High Deductible Health Plan (HDHP) will automatically be enrolled in Accident Insurance through Unum. This benefit plan is intended to supplement the Bronze HDHP by providing additional coverage for accidental injuries. Coverage in Accident Insurance for Bronze Plan members will be 100% employer funded.

Group Accident Insurance is designed to help employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to the covered employee if they sustain a covered injury.

Examples of covered injuries include:

  • Broken bones
  • Burns
  • Coma
  • Cuts repaired by stitches
  • Eye injuries
  • Torn ligaments

Critical Illness Insurance:

Group Critical Illness Insurance is designed to help employees offset the financial effects of a catastrophic illness with a lump sum benefit if an insured is diagnosed with a covered critical illness.

Coverage is available for employees, spouses, and children. Coverage levels can be elected from $5,000 – $50,000 (for employee) and from $5,000 – $30,000 (for spouse). Coverage for children is automatically included with employee coverage with a maximum of 25% of the employee coverage amount.

Elections that exceed the guarantee issue amounts for employees ($10,000) and for spouses ($5,000) will require completion of a medical history statement (EOI).

Examples of covered illnesses include:

  • Blindness
  • Cancer
  • End Stage Renal (Kidney) Failure
  • Heart Attack
  • Major Organ Failure
  • Stroke

Enrollments for both Accident and Critical Illness Insurance can be made in the Bswift benefit enrollment system. Benefits are paid on a tax-free basis; Employee premiums are deducted on a post-tax basis. Premiums are deducted over 24 pay periods per year.

Carrier Contact Information


Unum: Accident & Critical Illness Insurance
Customer Service: 800-421-0344
Website: www.unum.com

Contributions

Accident and Critical Illness Insurance are voluntary and 100% Employee Funded.

*New in 2020, employees who elect to enroll in the Bronze Medical Plan will also be enrolled in Accident Insurance funded by the employer. 

Accident Insurance:
Coverage can be elected for an employee, spouse or child.

Critical Illness Insurance:
Rates are based on age at the date of issue and tobacco usage status. Employees can view the applicable rates for the different levels of coverage in Bswift.

Forms and Plan Documents

Group Legal Insurance

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following date of hire.

Summary of Benefits and Coverages

Group Legal Insurance is voluntary and 100% Employee Funded.

Benefit eligible employees have the option of enrolling in Group Legal Insurance through Legal Shield. Legal Shield offers legal assistance in many areas of law including:

  • Home Purchases
  • Will Preparation
  • Child Support
  • Insurance Claims
  • Bankruptcy
  • IRS Audits
  • Divorce
  • Identity Theft

Employees who wish to enroll can access the Legal Shield enrollment website link in Bswift. Premiums can be paid through payroll deductions (24 pay periods per year). For more information, please contact Legal Shield.

Forms and Plan Documents
Carrier Contact Information


Legal Shield: Group Legal Insurance
Customer Service: 800-654-7757
Website: https://w3.legalshield.com/gs/howItWorks.jsp

Contributions

Group Legal Insurance is a voluntary benefit that is 100% Employee Funded.

Premiums can be paid through payroll deductions (24 pay periods per year).

Pet Insurance

Eligibility

All employees who work a minimum of 30 hours per week are eligible for coverage on the first day of the month following date of hire.

Summary of Benefits and Coverages

Pet Insurance is voluntary and 100% Employee Funded.

Benefit eligible employees have the option of enrolling in Pet Insurance through Nationwide Pet. Employees may purchase coverage on dogs, cats and birds. All policies are individually underwritten and monthly rates are determined by breed, age, species, type of plan selected and state of residence. Employees who wish to enroll can access the Nationwide Pet enrollment website link during the Bswift online enrollment process. Premiums can be paid through payroll deductions (24 pay periods per year).

For more information, please contact Nationwide Pet.

Forms and Plan Documents
Carrier Contact Information


Nationwide Pet: Pet Insurance
Customer Service: 877-738-7874
Website: http://www.petinsurance.com/norwich

Contributions

Pet Insurance is a voluntary benefit that is 100% Employee Funded.

Premiums can be paid through payroll deductions (24 pay periods per year).

Employee Assistance Program

Eligibility

All employees are immediately eligible to participate in the Employee Assistance Program (EAP) offered by Norwich University

Program Details

The EAP is a confidential assistance program offered by Norwich University at no cost. This program offers support, guidance and resources to help you and your family find the right balance between your work life and your home life.

EAP services are available to all employees, their dependents, including children up to age 26, and all household members. Some of the services available are child care and elder care referrals, life improvement, stress & anxiety at work, goal-setting, financial & legal concerns, and online will preparation.

EAP Contact Information


Unum: Employee Assistance Program
Tl#: 800-854-1446
Website: www.unum.com/lifebalance

Additional Information

Employee Advocate

Program Details

The Richards Group can assist employees who are having trouble resolving unpaid/denied medical or prescription claims.

Please contact Cigna at least once to attempt to resolve the claims issue/dispute.

If assistance is still needed, contact Norwich University’s Employee Advocate, whose services are provided to you at no cost.

You can email the Employee Advocate at employeeadvocate@therichardsgrp.com

Contact Information


The Richards Group: Employee Advocate
Email: employeeadvocate@therichardsgrp.com

403 (b) Retirement Plan

Eligibility

Employees may enroll in and begin to make contributions to this plan upon hire. Employees are eligible for matching employer contributions as of their date of hire following an admin period.

Plan Details

Employee Contributions:

  • Between 1% and 80% of eligible pay
  • In 2020, the IRS annual pre-tax contribution limit is $19,500
  • If you reach age 50 anytime during the calendar year or are over 50, you may make additional contributions above the normal plan and legal limits

Vesting Schedule (Employee Contributions):

  • Vesting means you have the permanent right to the value of your account balance if you leave Norwich University
  • You are always 100% vested in the value of your own and Norwich’s contribution

Employer Contributions:

  • Norwich contributes 1% of salary for eligible employees who enroll in the plan, with no employee contribution
  • In addition, contributions by eligible employees up to 5% of eligible compensation are matched by the University, at 1.3%
  • You may make additional contributions (within IRS guidelines detailed above) but Norwich will not match those additional contributions

Investment Options:

  • Norwich University offers several investment options to choose from
  • Newly eligible employees will be automatically enrolled to contribute 5%
  • Employees can go online to their TIAA account to make changes to their contributions at any time or to complete a salary reduction agreement form
Carrier Contact Information

TIAA: 403(b) Retirement Plan
Customer Service: 800-842-2776
Website: www.tiaa.org/public/tcm/norwich

Additional Information

Free Consultations

No matter where you are in life – just getting started or planning for retirement – a session with a TIAA consultant can help you create a plan for your goals. And, it’s at no additional cost as part of your retirement plan. You’ll get an answer to these questions and more:

  • Am I invested in the right mix of investments to help meet my goals?
  • Am I saving enough to create the retirement income I need?
  • How do I take income from my retirement account once I stop working?

Current dates available for Norwich employees to schedule a virtual meeting can be seen in the online calendar at www.tiaa.org/schedulenow by using the link and searching, “Where you work,” or by calling 800-732-8353 anytime between 8 a.m. to 8 p.m. (EST).

Tuition Benefit & Additional Benefits

Tuition Benefit

Eligibility

Norwich University provides various tuition benefits to regular employees who are scheduled to work 30 or more hours per week, to ROTC staff (active duty and full-time civilians), to their spouses, and to their eligible dependent children, according to the below table. Please also reference the Tuition Benefit Policy for further information.

*Online Courses by residential faculty are those offered by the College of Liberal Arts, the College of National Services, the College of Professional Schools, and the College of Science and Mathematics, generally to students enrolled in Study Away / Study Abroad programs or summer studies.

Additional Benefits Provided By Norwich University
Contact Information

Norwich University Human Resources

For further information, please reach out to Norwich University Human Resources:

Phone:  1 (802) 485-2075

Email: nuhr@norwich.edu

Helpful Links