Employment
Employee Benefits
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 |
Optional Insurance: |
Vision, Accident Insurance, Cancer insurance, Short Term Disability, Voluntary Term Life Insurance |
Credit Union: |
Available |
403b Plans: |
Specific plans available |
Holidays: |
Minimum 19 days (faculty more) |
Benefit Amount: |
All full-time employees are given $640 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. |
2019-2020 MEDICAL PLAN OPTIONS (Blue Cross/Blue Shield) |
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|---|---|---|---|
| Benefit | High Option | Low Option | HDHP and HSA |
| Office Visit Copay - Primary Care | $30 | Ded/Coins | Ded |
| Office Visit Copay - Specialist | $50 | Ded/Coins | Ded |
| Tele-Medicine Call | $30 | Approx. $47 | Approx $47 |
| Out-Patient Lab and X-ray | 100% up to $300 per person per year, then deductible and coinsurance |
Covered Subject to Deductible and Coinsurance |
Covered Subject to Deductible and Coinsurance |
| Plan Year Deductible/Coinsurance | |||
| Deductible | $1,000/Person; $3,000/Family | $1,500/Person; $4,500/Family | $3,500/Person; $7,000/Family |
| Coinsurance | 20%* | 20%* | 100%* |
| Out-of-Pocket Limit (Ded/Coins) | $2,000/Person; $6,000/Family | $2,500/Person; $7,500/Family | $3,500/Person; $7,000/Family |
| Maximum out of pocket limit (incl. Ded, Coins, OVC and Rx) | |||
| Per Person | $6,350 | $6,350 | $3,500 |
| Per Family | $12,700 | $12,700 | $7,000 |
| 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 |
| Prescriptions | |||
| Generics | $20 or 30% of the generic to $200 | Subject to ded/coins | Subject to ded |
| Formulary | $40 or 30% of formulary drug up to $200 | ||
| Name Brand Non Formulary | $60 or 30% of non-formulary drug up to $200 | ||
| Specialty Drug | 30% up to $1,000 (copay asst may be available) | ||
| Mail Order | $50/$90/$150 or 30% of brand drugs up to $500 | ||
| Monthly Employee Cost: | |||
| Employee | $565.08 | $506.88 | $457.15 |
| Emp/Child(ren) | $649.84 | $583.16 | $525.53 |
| Emp/Spouse | $723.31 | $648.71 | $584.86 |
| Family | $779.81 | $699.57 | $630.63 |
Monthly Employee Cost AFTER College Contribution of $640 |
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| Employee | ($74.92) | ($133.12) | ($182.85) |
| Emp/Child(ren) | $9.84 | ($56.84) | ($114.47) |
| Emp/Spouse | $83.31 | $8.71 | ($55.14) |
| Family | $139.81 | $59.57 | ($9.37) |
| Dental (Delta Dental) | |||
| Employee Only | $38.05 | ||
| Emp/Child(ren) | $68.49 | ||
| Emp/Spouse | $70.40 | ||
| Family | $79.91 | ||
| *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. |
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Dental Benefits $1,500 Maximum Benefit A FEW IMPORTANT NOTES ABOUT YOUR HIGH DEDUCTIBLE HEALTH PLANS AND HSAs
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| Vision (Vision Care Direct) | ||
|---|---|---|
| Silver Materials Only | Silver Complete | |
| Employee Only | $9.34 | $13.48 |
| Employee + 1 | $14.94 | $21.57 |
| Employee + Child(ren) | $17.24 | $24.88 |
| Family | $29.30 | $42.31 |
BenefitsDirect — Voluntary Benefits that fit your needs!
Everyone deserves to have peace of mind, and the employee benefits provided through your employer can help you get there. At BenefitsDirect we understand that one size does not fit all – that’s why we engage multiple carriers for different products. The plans we offer are designed to fit the different lifestyles and needs of the employees at Cowley College.
Products Offered:
- Accident Insurance - When you have a covered accident and seek treatment, this policy can provide you cash benefits that are paid directly to you and you decide the best way to spend them. After an accident, you may have expenses you’ve never thought about before. Can your finances handle them? It’s reassuring to know that an accident insurance policy can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow up treatments or physical therapy.
- Cancer Insurance - No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great. A supplemental cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren’t covered by your major medical coverage, including: medical expenses, specialists, experimental treatment, radiation and chemotherapy, plus more! While you can’t always predict the future, you can be prepared.
- Short Term Disability Insurance – This insurance provides employees the opportunity to protect their income should they medically be unable to work due to pregnancy/childbirth, injury, or illness.
- Voluntary Term Life Insurance - Term Life provides a work-based Group Life insurance plan that offers employees and their dependents a cost-effective financial safety net in their time of need. This Voluntary benefit offers a very flexible plan design and low cost to help you gain the extra protection you need to fit your personal insurance needs.
Click here for more information of BenefitsDirect Benefits and Services.
EMPAC (Employee Assistance Program)
A free benefit for all employees and those members of their household. EMPAC provides professional assistance, counseling, and education to help employees and their children live to the fullest. 24/7.
Call: 1-800-234-0630
Confidential One-on-One Counseling
- Family and Parenting
- Life event changes
- Marital and relationship issues
- Addictions
- Self-esteem concerns
- Grief and loss
- Stress, depression and anxiety
- Work-related concerns
- School concerns
- Divorce recovery
Money Management
Legal Assistance
Dependent Care Referrals
- Helping find licensed, affordable care
- Eldercare
- Long distance care giving
- Referrals for appropriate care
- Helping dependents with special needs