Benefits - Open Enrollment For Adjunct Employees
2025 Open Enrollment for Adjunct Employees
See the Medical, Dental and Vision Plan Summaries for more program details
Visit the RIT Service Center for questions about your benefits.
2025 Benefits Information
Overview
The enrollment period is for adjuncts who are working in the fall and expect to work in the spring. REMINDER: adjuncts are eligible for benefits when they are working.
Adjunct employees are eligible for medical, dental, and vision coverage for themselves and their eligible family members when they are working. An adjunct employee who is newly eligible for benefits must enroll within 31 days after the first day of classes. If you do not take action by the required due date, you cannot enroll or make changes in health care coverage unless you have a qualifying event - refer to the Mid-Year Benefits Enrollment Change Summary for details.
| PLAN | LEVEL OF COVERAGE | 2025 ADJUNCT CONTRIBUTION RATES | |
|---|---|---|---|
| Semi-Monthly Payroll | Bi-Weekly Payroll | ||
| Blue Point2 POS A | Individual | $301.21 | $278.04 |
| 2 Person | $666.38 | $615.12 | |
| Family | $816.13 | $753.36 | |
| One Parent Family | $715.60 | $660.55 | |
| Blue Point2 POS B | Individual | $270.86 | $250.03 |
| 2 Person | $597.33 | $551.38 | |
| Family | $732.43 | $676.09 | |
| One Parent Family | $622.67 | $574.78 | |
|
Blue Point2 POS B No Drug No new Enrollments |
Individual | $173.10 | $159.78 |
| 2 Person | $394.79 | $364.42 | |
| Family | $482.95 | $445.80 | |
| One Parent Family | $432.19 | $398.95 | |
| Blue Point2 POS D | Individual | $185.43 | $171.17 |
| 2 Person | $420.01 | $387.70 | |
| Family | $513.03 | $473.57 | |
| One Parent Family | $453.81 | $418.90 | |
| Blue PPO (for those who live outside the Rochester area) |
Individual | $257.69 | $237.87 |
| 2 Person | $567.30 | $523.67 | |
| Family | $698.34 | $644.62 | |
| One Parent Family | $589.25 | $543.93 | |
| Dental Coverage - Standard Plan | Individual | $11.28 | $10.41 |
| 2 Person | $26.38 | $24.35 | |
| Family | $40.16 | $37.07 | |
| Dental Coverage - Enhanced Plan | Individual | $16.03 | $14.80 |
| 2 Person | $38.23 | $35.29 | |
| Family | $58.46 | $53.96 | |
| Vision Care | Individual | $4.82 | $4.45 |
| 2 Person | $9.63 | $8.89 | |
| Family | $15.51 | $14.31 | |
If you are working continuously, your coverage will remain active.
For example, if you work in the Spring and Summer semesters, your coverage will continue through the Summer semester but will end on August 31 if you are not teaching in the Fall semester. Similarly, if an adjunct works in the Fall and will be working in the Spring, their coverage will continue through the end of the Spring semester. See the section When Coverage Ends for more details about when coverage ends.
Adjuncts who's coverage is being reinstated will receive an email confirmation. If COBRA coverage was elected, P&A Group (RIT's COBRA administrator) should be contacted to cancel benefits due to coverage being reinstated through RIT.
If you are enrolled in coverage and will not be working in the next semester, coverage will end the last day of the month in which classes end for that semester.
- Spring (not teaching in the Summer) - benefits end May 31
- Summer (not teaching in the Fall) - benefits end August 31
- Fall (not teaching in the Spring) - benefits end December 31
You will be eligible to continue coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA); we will notify RIT’s COBRA administrator, P&A Group, to send you the necessary enrollment information.
What to Know
Medical Plans
- Cost Increases - Medical plan contribution rates will increase across all plans. Your actual increase depends on the plan you choose, who you cover, and your salary level.
- Plan Features - Medical (in and out-of network) deductibles and coinsurance amounts are increasing for POS B, POS B No Drug, and POS D plans. Medical deductible and coinsurance applies to inpatient hospital, outpatient surgical and advanced imaging services.
- POS B No Drug plan - RIT will discontinue this plan in 2026. Employees currently enrolled in the POS B No Drug plan may continue their coverage for one more year. However, this plan will not be open to new enrollees for 2025.
- What's not changing
- Out-of-pocket maximums and prescription drug designs including copays will remain the same on all plans.
- POS A and PPO (out-of-area) plan designs.
- Copays for primary care provider (PCP) visits, specialist visits, lab, x-rays, urgent care, and emergency room.
Dental Plans
- Cost Increases - Employee contribution rates will increase by less than $1 per paycheck, for the majority of employees.
- Plan Features - There are no changes to the dental plans for 2025.
Family Member Verification
- For any newly added family members you plan to cover in 2025, you must complete the family member verification service request and provide proof of eligibility.
- Acceptable proof includes a marriage certificate for a spouse and a birth certificate (with the employee-parent’s name) for a child.
2025 Benefits Webinars
Learn more about your 2025 RIT Benefits during one of our webinars.
View our pre-recorded Webinar!
Medical & Prescription Drug Coverage
Four medical plan options are offered and administered through Excellus BlueCross BlueShield: POS A, POS B, POS B No Drug (no new enrollments for 2025) and POS D. The prescription drug benefit is administered by OptumRx.
It is important to compare your health needs along with the coverage of the medical plans and the premium costs to determine which plan is best for you.
Employees may cover their spouse/domestic partner and children up to age 26.
You will continue to have access to the well-being programs and resources you’ve become familiar with, along with low cost virtual care through MDLIVE, no-cost preventive care, and additional offerings. PCP, Specialist, X-ray, Lab, Urgent care and pharmacy copays are not changing.
Medical Plan |
2024 Design(In-Network) |
Changes for 2025(In-Network) |
|
POS B |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% |
|
POS B No Drug |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% *No new enrollments for 2025* |
|
POS D |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% |
Medical deductible and coinsurance apply to inpatient hospitalization, outpatient surgery services and advanced imaging (examples: MRI's, PET scans, CT scans). See Plan Summaries below for more information.
Out-of-network deductibles and co-insurance are also increasing; please see 2025 SBCs for details.
| In-Network Medical Coverage | POS A | POS B and POS B No Drug | POS D | |||
| RRH(1) | Other In-Network | RRH(1) | Other In-Network | RRH(1) | Other In-Network | |
|
Annual Deductible (individual/family) Note: Each individual does not exceed the single deductible. |
Not Applicable | $500/$1,000 | $600/1,200 | |||
| Coinsurance (patient pays/plan pays) | Not Applicable | 20%/80% | 20%/80% | |||
| Annual Patient Maximum Out-of-Pocket (individual/family) | $5,450/$10,900 | $6,450/$12,900 | $6,800/$13,600 | |||
| Telemedicine with MD Live | N/A | $10 | N/A | $10 | N/A | $10 |
| RRH On-Campus Practice | $20 | N/A | $20 | N/A | $20 | N/A |
| Primary Care Physician | $30 | $35 | $35 | $40 | $40 | $45 |
| Specialist | $35 | $50 | $40 | $55 | $45 | $60 |
| Physical Therapy | $50 | $55 | $60 | |||
| Chiropractic Services | $50 | $55 | $60 | |||
| Urgent Care | $55 | $60 | $65 | |||
| Emergency Room | $115 | $140 | $140 | $190 | $165 | $215 |
| Hospital Inpatient | $150 | $200 | 20% coinsurance after deductible | 20% coinsurance after deductible | ||
| Hospital Outpatient or Ambulatory Surgical Center | $70 | $140 | 20% coinsurance after deductible | 20% coinsurance after deductible | ||
| Laboratory and Pathology | Covered in Full | Covered in Full | Covered in Full | |||
| X-ray | $50 | $55 | $60 | |||
| Advanced Imaging (CT, MRI, etc.) | $75 | 20% coinsurance after deductible | 20% coinsurance after deductible | |||
(1)The lower RRH copays do not apply to tests, treatments or any other services (e.g., allergy shots, chiropractic services, physical therapy, etc.).
| Prescription Drug Coverage | POS A | POS B Only | POS D | |||
| Wegmans | Other Retail(2) | Wegmans | Other Retail(2) | Wegmans | Other Retail(2) | |
| Annual Deductible (individual/family) | Not Applicable | Not Applicable | $1,250 per person, then copays | |||
| Annual Patient Maximum Out-of-Pocket (individual/family) | $2,550/$5,100 | $2,550/$5,100 | $2,650/$5,300 | |||
| Up to 30-Day Supply at Retail | ||||||
| Tier 1: Generic | $15.00 | $17.00 | $15.00 | $17.00 | $25.00 | $30.00 |
| Tier 2: Brand Name-Formulary (preferred) | $35.00 | $40.00 | $35.00 | $40.00 | $70.00 | $80.00 |
| Tier 3: Brand Name-Non-Formulary (preferred) | $50.00 | $60.00 | $50.00 | $60.00 | $130.00 | $150.00 |
| Up to 90-Day Supply at Wegmans or OptumRx Mail Order | ||||||
| Tier 1: Generic | $37.50 | Not Available | $37.50 | Not Available | $62.50 | Not Available |
| Tier 2: Brand Name-Formulary (preferred) | $87.50 | Not Available | $87.50 | Not Available | $175.00 | Not Available |
| Tier 3: Brand Name-Non-Formulary (preferred) | $125.00 | Not Available | $125.00 | Not Available | $325.00 | Not Available |
For a full comparison of the POS plans, please see the current Medical Benefits Comparison Book for specifics.
Dental Care
Two dental plan options are offered and administered through Excellus BlueCross BlueShield.
The Standard Plan and the Enhanced Plan. Both plans provide 100% preventive coverage; the Enhanced plan providing more coverage for major services with a higher annual maximum.
Employees may cover their spouse/domestic partner and children up to age 26.
Vision Care
Vision coverage is offered through VSP. Well vision exams have a $15 copay and there is a $150 allowance for frames or contacts each calendar year. Employees may cover their spouse/domestic partner and children up to age 26. Vision coverage is fully paid by employee payroll deductions.
Member will receive the below in-network benefits when they go to a participating provider.
Service |
Coverage Information |
|---|---|
| Eye Exam |
A routine eye exam is covered once per calendar year with a $15 copay. A diabetic eye exam has a $20 copay (see details below about the VSP Diabetic Eyecare Plus Programs). |
| Lenses |
VSP’s standard lenses are covered in full, every calendar year, after a $20 copay, including glass or plastic single vision, bifocal, trifocal, progressive, or other more complex lenses necessary for the patient’s visual welfare. There is an additional cost for various coatings (e.g., anti-reflective, scratch, etc.), but VSP does provide a discount on these optional items. |
| Frames | $150 allowance toward frames, every calendar year. If you select a frame that costs more than $150, VSP offers a 20% discount off the amount over the retail allowance. Some frames qualify for a $170 featured frame brands allowance. |
| Contact Lenses | You may choose contacts instead of glasses (lenses and frame). There is a $150 allowance applied to the contact lens exam (fitting & evaluation) and the contact lenses. You also receive a 15% discount off the contact lens exam before the allowance is applied. |
Note: RIT’s medical coverage under POS A, POS B, POS B No Drug, and POS D covers routine eye exams with a copay. If you want to continue using your same eye doctor who is not a VSP provider, use your medical ID card at the eye doctor. Then you can take your prescription for eyeglasses or contacts to a VSP provider.
Benefit Plan Contacts
| Plan | Vendor | Contact info |
| Medical Coverage | Excellus BlueCross BlueShield | 800-724-1675/V and 585-454-2845/TTY |
| Prescription Drug | OptumRx | (855) 209-1300 |
| Prescription Drug | Wegmans | 800-934-6267 (call transferred to local store) |
| Dental | Excellus BlueCross BlueShield | 800-724-1675/V and 585-454-2845/TTY |
| Vision | VSP | 800-877-7195/V and 800-428-4833/TTY |