Human Resources

University of Mississippi

Insurance Benefits

The University of Mississippi offers an array of pre- and post-tax insurance benefits. A brief description of each benefit is provided along with links to each provider website. Contact information; reference materials; and enrollment, demographic change, beneficiary change, and claim forms are available within each section of this page.

*Each Plan Document/Contract is the governing document when benefit information is in question.

Pre-Tax Benefit Plans (Section 125 Cafeteria Plans)

  • State and School Employees’ Health Insurance Plan
  • Delta Dental Insurance Coverage
  • Davis Vision Insurance Coverage
  • Flexible Spending Account
  • Accidental Death and Dismemberment
  • Cancer/Dreaded Disease and Intensive Care Plans

State and School Employees’ Health Insurance Plan

On-line Explanation of Benefits:

Plan participants may access personal information State Health Plan secure portal that allows participants to access personal information about healthcare claims and benefit information. The myBlue website provides access to Explanation of Benefits (EOB), ordering an identification card, and links to health plan information.

Health Insurance Changes for 2017

The State and School Employees’ Health Insurance Plan will experience benefit changes for calendar year 2017 An overview of these changes is available in the Summary of Health Plan Changes.


The State and School Employees’ Health Insurance Plan is a self-funded plan that provides 2 plan options (the Select Plan and the Base Plan, also referred to as the high deductible health plan-HDHP). Under both options the participant must meet a calendar year deducible before the Plan is responsible for payment of covered expenses. Detailed information about each plan option is available in the Plan’s Summary Plan Description.  This document provides detailed information about plan deductibles, co-insurances, medical benefits, pharmacy benefits, adult wellness/preventive and well-child benefits in addition to other important Plan information.
The following link will provide you with a comparison of benefits for the Base Coverage (high deductible health plan) and Select Coverage; rate for active employees, retirees, and COBRA participants; and federal notices and summaries of coverage.  Rates and Coverage. The University pays 100% of the premium for employee coverage under the Base Plan (high deductible health plan) and a portion of the employee premium for the Select Plan. The employee is responsible for the cost of dependent coverage.

Adult Wellness/Preventive Benefits

Benefits for wellness and preventive services are available for participants ages 18 and older.

In-Area Participants: Benefits are payable at 100% of allowable charge for up to two (2) office visits and certain diagnostic tests based on age and gender as defined by the plan. Services must be rendered by a Network provider.

Out-of-Area Participants: Benefits are payable at 100% of allowable charge for up to two (2) office visits and certain diagnostic tests based on age and gender as defined by the plan. Services must be rendered by a non-participating provider.

An all-inclusive list of covered procedures is available by visiting the state health plan’s website.

Well Child Benefits

Covered dependents under the age of 18 receive selected well child benefits at 100% when services are rendered by an In-network provider. The ‘Age and Gender Guidelines’ and a list of participating medical care providers is available on the State Health Plan Web site.

State Health Plan HIPAA Privacy Notice

Dental Insurance

Comprehensive dental benefits are offered through a plan with Delta Dental Insurance Company. Employees have 2 options to select from: Low Option and High Option. Excluding orthodontia, benefits are the same for both plans. Co-insurances, annual limits, and monthly premiums vary by plan. Delta Dental Flyer_2017.Participants receive benefits under this plan regardless of the dental care provider used. To take full advantage of plan benefits and incur less out-of-pocket expense participants are highly encouraged to utilize services of an In-PPO Network Provider. View the provider listing. In the drop down box under ‘Find a Provider’ on Delta Dental homepage, select Delta Dental Premier or Delta Dental PPO. Providers are available nationwide.

Learn more about good oral health by reading the following educational flyers or by visiting Delta Dental’s SmileWay Wellness Website.

Vision Insurance

The University is contracted with Davis Vision to provide employees with eye care benefits that include examinations, eyewear, and discounts on corrective vision procedures. Participants may receive services at any eye care provide nationwide; however, co-pays and special rates are only available when using an in-network provider. View the Davis Vision site. Click on the ‘Member’ option and enter client code 7871.   View the Davis Vision Flyer_2017 and become more familiar with plan benefits

Flexible Spending Accounts

If you are interested in receiving a tax break on medical and/or day care expenses, a flexible spending account may be of interest. Two plans are offered: Medical Reimbursement and Dependent Care. Under this program, pre-tax dollars collected through salary reduction are credited to a reimbursement account.

Types of Plans

Medical Expense Reimbursement Plan – Enables participants to receive reimbursement for eligible medical expenses.  “Pre-tax” salary reductions are credited to a reimbursement account and are refunded to you as expenses are incurred.  Expenses may include costs for deductibles, co-insurance expenses not reimbursed through insurance or any other source, eyeglasses, contact lenses, hearing aids, or any family medical expenses that would qualify as a deduction on your federal income tax return.  The annual limit per participant is $2,600.

Dependent Care Reimbursement Plan – Provides for the reimbursement of eligible employment-related dependent day care expenses.  Expenses may include the costs for in-house or on-site care centers (caring for six or more individuals) or for at-home services provided by third parties who meet applicable state and federal law standards.  The person being cared for must be either a child or other dependent under age 13 that you are entitled to claim as a dependent on your income tax return, or your spouse or other legal dependent who is physically or mentally incapable of caring for himself or herself.  To participate, both the employee and their spouse must be employed or enrolled as a student.  The annual limit per family is $5,000.

Claims may be submitted via the following methods.

  • Online submission:  Submit a claim via the Southern Administrators and Benefit Consultants (SABC) secure portal which can be accessed at https://www.sabcflex.com/claims. This simple and user friendly option allows the participant to enter relevant information and attach receipts by uploading jpg, gif, png, or pdf images.
  • Paper Claim:  Complete a Request for Reimbursement form and submit to SABC along with supporting documentation via fax or mail.  Contact information is provided on the reimbursement claim form which can be accessed at https://www.sabcflex.com/content/submit-claim
  • Mobile App:  Submit a claim via the SABCFlex Mobile App for smartphones.  Using the camera on your phone, take a picture of medical receipts and submit the claim for reimbursement.

To check your account balance, login to your account via the customer service portal. https://www.sabcflex.com/portal

This plan offers a rollover provision where a maximum of $500 from your 2016 Medical Reimbursement account will be rolled into the 2017 account.  This rollover will occur on April 1.   The rollover provision does not apply to the Dependent Care account.

Learn more benefits associated with flexible spending accounts (i.e. plan limits, what is considered an eligible expense, approved period for incurring expenses, reimbursement request deadline, etc) in the Benefits Booklet.

Section 125 Plan Document_January 2017

Accidental Death & Dismemberment

Underwritten by National Union Fire Insurance Company of Pennsylvania, this plan provides income security in the event of an employee or family member’s untimely death or in the case of dismemberment. Benefits are payable for loss of life in the case of accidental death or a percentage of the policy holder or dependent’s principal sum in the event of dismemberment. Premiums are based on the type of plan (employee plan or family plan) and the amount of coverage selected.   Accidental Death & Dismemberment Flyer

Cancer/Dreaded Disease and Intensive Care Policies

The University offers cancer/dreaded disease and intensive care policies with 2 companies (Life of Alabama and American Heritage). These plans pay benefits directly to the participant or beneficiary regardless of whether other insurance plans pay on covered expenses. Coverage is a supplement to other plan benefits and does not serve as a replacement for group health benefits.

Print brochures and compare plan benefits.

All enrollments are subject to underwriting.

 

Post-Tax Benefits

  • State and School Employees’ Life Insurance Plan
  • Supplemental Life Insurance (underwritten by: UNUM)
  • Long-Term Disability (Standard Insurance Company)

State Life Insurance Plan

The State and School Employees’ Life Insurance Plan is underwritten by Minnesota Life Insurance Company. Coverage is available for the employee only with a principal sum equal to 2 times the employee’s annual salary up to the plan limit.

The university will pay one half the premium for coverage, if elected.
Details of the plan are included in the University’s Fringe Benefits Booklet or by visiting the State Health Plan site.

Coverage is guaranteed issue for new hires or employees who recently became eligible for benefits when enrollment is completed within 31 days of the qualifying event. All late applicants are subject to underwriting.

Beneficiary Designation: Beneficiary designations with the State Life Insurance Plan are made online via myBlue which is a secure & confidential system that is managed by the State Health Plan. Participants must complete the following steps to update beneficiary information.

  • Log into the myBlue website at https://myblue.bcbs.ms.com and click on the My Benefits tab.
  • Click the Life Benefits section and then click the link which will redirect you to Minnesota Life’s online beneficiary management tool and follow the instructions to submit your beneficiary designation.

Supplemental Life Plan

Life insurance benefits for the employee and their family is available through coverage with UNUM. This plan enables the employee to enroll in coverage up to 6X salary, not to exceed plan limits; spousal coverage at varying increments up to $100,000; and dependent coverage no to exceed $10,000.

This is an age rated plan with 100% of the premium payable by the employee.

Read about the benefits in the Fringe Benefits Booklet or plan brochure.

Enrollment forms are completed during the scheduled consultation and paper completion session.

Long-term Disability

Are you concerned about meeting financial needs if you’re unable to work due to an accident or injury. A long-term disability plan, underwritten by Standard Insurance Company, may provide you with the supplemental income you are seeking.

Subject to plan exclusions and limitations, a participant may be entitled to a percentage of monthly income for temporary, permanent, partial, or total disability.

There are 2 plan types to choose from: 90-day or 180-day plan. The plan type determines the length of time an employee is required to wait before receiving benefits.

This plan is available to employees only. The premium is based on the employee’s age and selected plan type. A plan overview is available in the Fringe Benefits Booklet or plan brochure.

CONTACT INFORMATION

OPEN ENROLLMENT

The University holds an annual Open Enrollment each October. This event enables employees to enroll in new benefits, change existing benefit options, or cancel plans that are offered through the Section 125 cafeteria plan. Section 125 benefits are plans in which premiums are payroll deducted on a pre-tax basis. The following is a list of Section 125 benefits.

Section 125 includes

  • State and School Employees’ Health Insurance Plan
  • Delta Dental Insurance Coverage
  • Davis Vision Insurance Coverage
  • Flexible Spending Account
  • Accidental Death and Dismemberment
  • Cancer/Dreaded Disease and Intensive Care Plans

All elections, changes, or cancellations made during Open Enrollment go into effect January 1st of the following calendar year. In the absence of a qualifying event, this is the only period of time during which Section 125 benefits may be enrolled, changed, or cancelled.