search
Social Media Facebook Twitter Instagram Linkedin Youtube

Employment

Benefits

Employee Handbook 

Employee Benefits for Full-time Employees of Cowley College

 

Sick Leave: 12 days per year (1 day per month)
Vacation: Staff - 10 days until 10 years, then 15 days
Directors - 15 days
Administrators - 20 days
Faculty - 0 days
Retirement: KPERS Retirement System

125 Cafeteria Plan:
(Pre-Tax Deductions)

Health insurance; dental insurance; salary protection; cancer insurance; dependent care; medical reimbursement

 

Option Insurances:

Term life insurance; cancer; vision; long-term care

 

Credit Union:

Available

 

403b Plans:

Specific plans available

 

Holidays:

Minimum 19 days (faculty more)

 

Benefit Amount:

All full-time employees are given $540 per month on top of their salary to assist in paying for benefits.


Health & Dental:

Plan year starts September 1st. See below for specific plan information.
Mandatory To Take Health and Dental Insurance (Single)

 

Health Insurance Plan

 

Benefit

High Option Low Option HDHP & HSA

 

     

Office Visit Copayment

 

$30 N/A N/A
Out-Patient Lab & X-ray 100% up to $300 per person per year, then deductible and
coinsurance
Covered subject to deductible & coinsurance

Covered subject to deductible & coinsurance

 

Plan Year Deductible      
Per Person   $500 $1,000 $3,000
Per Family   $1,500 $3,000

$6,000

 

Coinsurance 20%* 20%*

100%*

 

Out of Pocket Limit
(Deductible & Coinsurance)
     
Per Person   $1,500 $2,000 $3,000
Per Family   $4,500 $6,000

$6,000

 

Maximum Out of Pocket Limit incl. Ded, Coins, OVC and RX      
Per Person   $6,350 $6,350 $3,000
Per Family
(Same as prior years)

 

  $12,700 $12,700

$6,000

 

Prescriptions      
Generics   $20 Covered subject to Prescriptions Subject
Formulary   $40 or 30% of brand
drugs up to $200

 

deductible and coinsurance to the Deductible
Name Brand   $60 or 30% of brand
drugs up to $200

 

   
Mail Order  

$50/$100/$150 or 30%
of brand drugs up to $500

 

   

Emergency Room

 

$100 copay then ded/coins (waived if admitted) $100 copay then ded/coins (waived if admitted)

 

Deductible and Coinsurance

Approved HCA
Preventative Care

 

100% 100% 100%

Lifetime Maximum

 

Unlimited Unlimited Unlimited

Eligible Children

 

Covered to age 26 Covered to age 26 Covered to age 26

Monthly Employee Cost:

     
Employee*   $345.71 $327.98 $278.20
Employee & Family*

*Includes $4 for Teladoc

 

  $581.49 $528.88

$475.86

 

Dental Insurance Plan
Single Dental   $32.58 $32.58 $32.58
Family Dental   $68.18 $68.18 $68.18

 

     

Employee Medical Cost: Less $540 Employer contribution

 

Employee: ($161.71)
Employee & Family: $109.67

Employee: ($179.44)
Employee & Family: $57.06

Employee: ($229.22)
Employee & Family: $4.04

 

*At non-preferred providers you will be responsible for an additional 20% penalty and for the difference between what the non-preferred provider charged and what the preferred provider would have accepted. In addition the payment will be made directly to you and you will be responsible for paying the provider.

 

Dental Benefits
$1,500 Maximum Benefit
$25/Individual; $75/Family Combined deductible for Primary & Major Services
Preventive – 100%
Primary & Major Services – 50% (major services subject to a 240-day waiting period for new hires)

 

A FEW IMPORTANT NOTES ABOUT YOUR HIGH DEDUCTIBLE HEALTH PLANS AND HSAs

  • Sunflower Bank administers our HSAs.
  • The maximum allowable HSA contributions for 2016: $3,350 for Single and $6,750 for Family.
  • The maximum allowable HSA contributions for 2017: $3,400 for Single and $6,750 for Family.
  • If you participate in the Health Savings Account, you may not contribute to the Flexible Health Care Spending Account.
  • You must be covered by a High Deductible Health Plan to have an HSA.

 

American Fidelity — Benefits and Services

 

American Fidelity benefits and services linkEveryone deserves to have peace of mind, and the employee benefits provided through your employer can help you get there. Here at American Fidelity Assurance Company (American Fidelity), we understand one size does not fit all – that’s why we design our insurance plans and benefit programs to fit the different lifestyles and needs of our customers.

 

Click here for more information on American Fidelity benefits and services