2024 Benefits Information for Regular Employees
2024 Benefits Information for Regular Employees
Visit the RIT Service Center or call 585-475-5000 for questions about your benefits and the Open Enrollment process.
Medical & Prescription Drug Coverage
Four medical plan options are offered and administered through Excellus BlueCross BlueShield: POS A, POS B, POS B No Drug 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. RIT pays the majority of the medical premiums for employees. Employee premium costs vary based on plan, coverage level and employee salary level.
| 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) | Not Applicable | $250/$500 | $300/$600 | |||
| Coinsurance (patient pays/plan pays) | Not Applicable | 10%/90% | 10%/90% | |||
| 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 | |||
| Urgent Care | $55 | $60 | $65 | |||
| Emergency Room | $115 | $140 | $140 | $190 | $165 | $215 |
| Hospital Inpatient | $150 | $200 | 10% coinsurance after deductible | 10% coinsurance after deductible | ||
| Hospital Outpatient or Ambulatory Surgical Center | $70 | $140 | 10% coinsurance after deductible | 10% 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 | 10% coinsurance after deductible | 10% 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 2024 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. RIT pays the majority of the dental premiums for employees.
The Claims Administrator for the RIT Dental Care plan is Excellus BlueCross BlueShield. Customer Service: 800-724-1675/V and 585-454-2845/TTY
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.
Flexible Spending Account - Beneflex (ACTION REQUIRED)
Beneflex, RIT’s flexible spending account plan, allows you to choose to open a Health Care Flexible Spending Account (HCFSA) and/or a Dependent Care Flexible Spending Account (DCFSA). Through these accounts, you select a certain amount of your earnings to be payroll deducted before taxes are calculated on your pay. This tax-free deducted amount is placed in your HCFSA and/or DCFSA and can be used to pay eligible health care and dependent care expenses. It is important to estimate your health care and dependent care expenses carefully.
Under Federal law, if you do not use all the money in these accounts by the end of the Grace Period, you will lose this money.
Remember, your 2023 HCFSA and DCFSA elections do not continue in 2024 automatically. If you want to participate in these accounts for 2024, you must enroll.
| Health Care | Dependent Care | |
| Who is Eligible to Claim Expenses | Employees, their spouse and their eligible dependent children who have qualified out of pocket medical, dental and vision expenses. |
Anyone who has an eligible dependent child under age 13 or is disabled and incapable of self-support who needs care so you and your spouse can work or attend school full-time. |
| Annual Funding Maximum | $3,200 | $5,000 (filing married); $2,500 (filing separate) |
| Claim Submission Deadline | April 30th of the following calendar year | April 30th of the following calendar year |
| Fund Availability | Entire fund amount elected is available for use as of January 1, regardless of when the actual funds are deposited in the account |
You can only be reimbursed up to the amount in your FSA when the reimbursement request is made. |
| Covered Expenses | Eligible health care expenses incurred throughout the year. |
Child care centers, family day care providers, child care givers, nursery schools, caregivers for a disabled dependent, etc. |
Life, Accident and Long Term Disability
In addition to the Basic Life and Accidental Death & Dismemberment (AD&D) that is provided by RIT at no cost to eligible full-time employees and part-time employees, RIT offers the opportunity to elect Supplemental Life and AD&D Insurance. Options include Employee and/or Dependent Life and AD&D Insurance, providing coverage for your spouse/partner and/or eligible children as listed below:
- Employee Benefit Amount 1 to 5X annual base pay up to a maximum of $750,000
- Spouse/Partner Benefit Amount $25,000 or 1 to 5X employee’s base pay up to a maximum of combined base and supplemental employee’s coverage
- Child(ren) Benefit Amount $10,000 or $20,000
An Evidence of Insurability is required for any increase during Open Enrollment other than employee Supplemental Life change from 0 to 1X pay or 1 to 2X pay.
RIT provides eligible full-time employees with LTD, at no cost, at 60% of base pay with a monthly maximum benefit up to $7,000 (offset by other income), after short term disability.
Regular full-time employees are eligible to purchase Supplemental LTD to increase their monthly benefit by an additional 10% of base pay to a total of 70% with a monthly maximum benefit up to $10,000 per month (offset by other income). An Evidence of Insurability (EOI) form will be required when enrolling in Supplemental LTD coverage during Open Enrollment.
Legal Plan & ID Theft
Covered Services
- Advice and Consultation
- Consumer Protection
- Debt Matters
- Civil Lawsuit Defense
- Document Preparation
- Family Law
- Immigration
- Personal Injury
- Real Estate
- Traffic and Criminal Matters
- Will and Estate
The available benefits are very comprehensive, but there are limitations and other conditions that must be met. **See Exclusions in the Legal Plan Services Summary for details regarding matters not covered by MetLife Legal.
Reminder! This plan only covers services after the coverage effective date, which is January 1, 2024 for those who newly enroll during Open Enrollment.
For more details about the Legal Services plan, please see the Legal Services Summary Plan Description.
Plans
UltraSecure - provides continuous monitoring of your personal information, Rapid alerts, comprehensive recovery services and a $1 million identity theft insurance policy.
UltraSecure+ Credit - all of the benefits of the UltraSecure Plan plus robust credit report monitoring and credit reports and scores from all 3 bureaus.
Covered Services
Prevention
- Fraud Monitoring
- Online Protection Tools
- Identity Threat Alerts
- Fraud Alert Reminders
Detection
- Identity Monitoring
- Identity Health Score
- DeleteNow
- Change of Address Monitoring
- Court Record Monitoring
- Sex Offender Report & Monitoring
- Pay Day Loan Monitoring
- Medical ID Fraud Protection
- Junk Mail Opt-Out
Restoration
- Lost Wallet Assistance
- Identity Restoration Specialists
- $1 Million Identity Theft Insurance
Credit
- Free annual credit report
ChildWatch (Available for children under the age of 18 with the purchase of an employee policy.)
- Identity Monitoring
- Fraud Monitoring
- Identity Restoration Specialists
- $1 Million Identity Theft Insurance
Activating Coverage
When employees elect coverage and their enrollment is processed, an email will be sent from ID Theft to their email address on file as well as to their spouse/partner if they elected coverage. Additional personal information needs to be provided directly to ID Theft in order to provide full theft protection.
Benefit Plan Contacts
Health Care Providers
| 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 |
| Beneflex | Lifetime Benefit Solutions | 800-327-7130 |
| Employee Assistance Program (EAP) | ComPsych (webID:RITEAP) | 844-572-9730/V and 800-697-0353/TTY |
Other Insurance & Benefits
| Plan | Vendor | Contact info |
| Life, AD&D, STD, FMLA, NYS PFL and LTD | Prudential | 877-908-4778 |
| Legal Services Plan | MetLife Legal Plans (access code: 570005) | 800-821-6400/V and 800-821-5955/TTY |
| Identity Theft Protection | Identity Force | 877-694-3367 |