RF - Research Foundation

MEDICAL INSURANCE COVERAGE

Bi-Weekly Premiums

INSURANCE PLAN OPTIONS	Employee	Employee+ Spouse /Domestic Partner	Employee+ Child(ren)	Family
Anthem Blue Cross Traditional PPO	$93.80	$294.27	$239.54	$467.90
Anthem Blue Cross Deductible PPO	$39.68	$186.00	$142.12	$305.69

ELIGIBILITY

Eligibility

Full Time and Part Time 50% employees are eligible for health
insurance benefits.

Hourly Employees- Must work 6 consecutive pay periods averaging 40 hours each to be eligible. If 2 consecutive pay periods are missed then benefits will be terminated and the employee must re-enroll and be subject to a new waiting period.

Effective Date

Effective on the 29th day for those hired on or after 7/1. (For those hired prior to 7/1, effective on the 43rd day). If you delay in enrolling more than 60 days after your hire date, you will be subject to a 5 pay period wait.

Cost

See chart above. Payroll deductions will be made on a pre-tax basis unless you sign a waiver to decline this benefit. If you delay in enrolling more than 60 days after your hire date, your deductions will be taken on an after-tax basis for the duration of the plan year (to be determined by the date the Benefits Office receives your completed forms).

During the first 2 paychecks after your enrollment takes effect, double deductions will be taken for premium contributions, in order to cover the 28-day extension of benefits which is provided when your employment terminates or drops below eligibility requirements.

SIGNING UP

Within 60 days...

A decision on health coverage must be made within 60 days of employment or you will not be able to be covered by health insurance for another 5 pay periods and your deductions will be taken on an after-tax basis for the duration of the plan year (to be determined by the date the Benefits Office receives your completed forms).

Go to RF Self-Service to enroll within 60 days of being appointed. The Research Foundation does not require proof documents (for enrollee or any dependents) when enrolling in benefits.

REQUIRED PROOF(S)

While the RF does not require proof documents when initially enrolling in benefits, changes due to a qualifying event require proofs.

Qualifying Event

If an employee experiences a qualifying event,required proof documents must accompany the adding/removing of a dependent from their insurance. In addition to the qualifying events listed here, if an RF employee's family moves to the U.S., that is also considered a qualifying event and we are able to enroll them in benefits using the date stamp in their passport as the QE date.

For each person to be covered during a QE, copies of required proof documents must be attached to the SUNY RF Benefits Enrollment Formand sent to hrs_benefits@stonybrook.edu.

Family Plan Coverage

Who can be covered?

Eligible Dependents:

⇒Spouse/Domestic Partner. For the required domestic partner documents & proofs go here.

⇒Child/Children up until the age of 26 years old (including step children, adopted children and/or children of your domestic partner). Your dependent may be eligible for the Young Adult Option Plan once they reach the maximum age of dependency (age 26).

⇒Disabled Child/Children may be covered beyond 26 years old subject to carrier approval. Additional PS451 - Statement of Disabilityrequired.

⇒Other dependent children may be covered. See NY Statement of Dependencefor additional information.

YOUNG ADULT DEPENDENT COVERAGE

AGES 19 THROUGH 26

HEALTH INSURANCE

Effective January 1, 2011, the new Health Care Reform Act allows young adults ages 19 through 26 to be covered through a parent’s group health insurance policy regardless of their student status.

DENTAL/VISION

While the Health Care Reform act only covers Health Insurance not Dental/Vision, the Research Foundation allows children up to 26 on dental and vision.

MAXIMUM AGE OF DEPENDENCY (AGE 26)

At the end of the month in which your child reaches age 26, they will no longer be dependents under your active employee health plan. Under the new Young Adult Dependent Option, eligible young adults may continue coverage once they reach the maximum age of dependency (age 26). For more information, go to

Young Adult Dependent Option

NEED TO MAKE A CHANGE?

Open Enrollment

Changes to your health insurance can be made during the Open Enrollment, which is Nov. 1st through Nov. 30th every year.

With Qualifying Event

Or within 60 days of experiencing a “qualified event” (i.e. birth of a child, marriage, divorce). Qualifying Events

Without Qualifying Event

Additional changes may be made without a qualifying event; however, you will be subject to a 10 week wait plus after tax premium deductions for the remainder of the plan year (to be determined by the date the Benefits Office
receives your completed forms).

TRANSFERRING TO THE RESEARCH FOUNDATION FROM A state position?

If you are transferring from a State position to a Research Foundation position, there is still a waiting period. Your health insurance will take effect on the 43rd day. If you delay in enrolling more than 60 days after your RF hire date, you will be subject to a 5 pay period wait.

For questions, please contact hrs_benefits@stonybrook.edu.

LEAVING RF EMPLOYMENT?

COBRA

If you terminate your RF employment, your health insurance will remain in effect for 28 days from your last day of employment and then COBRA continuation of benefits will be offered.

For questions, please contact hrs_benefits@stonybrook.edu.

Frequently Asked Questions

IDENTIFICATION CARDS

When will my ID Card(s) arrive?

You will receive your identification card approximately 6 weeks after a Benefits staff member has processed your Benefits Enrollment Form.

Can I use my benefits before ID Cards arrive?

If you are enrolled, you may contact the Benefits Office at (631) 632-6180 and a staff member will be happy to provide you with the identification card number(s) and effective date. You may bring the card number(s) to the appropriate medical or hospital personnel as necessary.

Lost ID Cards?

You can order new insurance cards at RF Self-Service, a secure website for active, eligible RF employees to access their health insurance enrollment information. For additional assistance registering, please refer to the Enrollment Guideor call 631-632-6180.

PAYROLL DEDUCTION

When will deductions start?

Please allow two pay periods from the time that you submit your Benefits Enrollment Form and required proof of eligibility to Benefits. If it has been more than two pay periods you may contact the Benefits Office at (631) 632-6180 and a staff member will be happy to assist you.

Deduction Amount is Wrong?

If the biweekly health insurance deduction on your paycheck is incorrect — e.g., individual coverage but you elected family coverage — or it changed and you did not request any changes — contact the Benefits Office immediately at (631) 632-6180 to speak with a staff member.

Deduction Missing?

If you do not see the health insurance deduction on your paycheck, please allow two pay periods from the time that you submit your Health Insurance Transaction Form and required proof of eligibility to the Benefits Section. If it has been more than two pay periods contact the Benefits Office immediately at (631) 632-6180 to speak with a staff member.

MEDICAL DECISION SUPPORT SERVICES

Medical Ally

As part of your benefits, you have access to a Medical Ally for personalized and confidential one-on-one support to
help you make medical decisions.

The Research Foundation for SUNY is pleased to offer this valuable service to you and your eligible dependents at no cost.

Questions? Call 888-361-3944 Monday–Friday, 8 a.m.–8 p.m. CT

Register today!

To register go to mymedicalally.alight.com and enter the company code: Research Foundation

mymedicalally.alight.com

SYDNEY HEALTH APP

Sydney Health makes healthcare easier!

The Sydney Health mobile app is the one place to keep track of your health and your benefits. With a few taps, you can quickly access your plan details, Member Services, virtual care, and wellness resources. Sydney Health stays one step ahead — moving your health forward by building a world of wellness around you. Use the Sydney Health mobile app anytime to:

- Find care and compare costs
- See what’s covered and check claims
- View and use digital ID cards