The University of St. Thomas

Medical Insurance

The University of St. Thomas cares about the health and welfare of its employees and, because of this, offers health insurance coverage to all eligible employees. Health insurance benefits help offset the expenses that may accompany the cost of an illness or injury.

Eligible employees' paychecks are generally reduced on a pre-tax basis by the amount of their appropriate health insurance contribution. This pre-tax plan is governed by Internal Revenue Service regulations and, as a result, there are certain limitations on an enrollee's ability to make changes to coverage levels during the year. Under certain circumstances, it may be necessary or desirable to deduct premiums on a post-tax basis.

An Open Enrollment period is usually held on an annual basis during late fall at which time employees can change their medical plan and/or the level of coverage.

UST offers four medical plans: Platinum Plan (PDF), Gold Plan (PDF) ($200 deductible), Silver Plan (PDF) ($500 deductible), and Bronze Plan (PDF) ($1,000 deductible).  Employees share in the cost of the health care plan through modest premiums, deductibles, and coinsurance.  UST pays the remainder of the costs.

All four plans provide 100% coverage for preventative visits and exams.  They also have the same prescription drug co-pays:

  • $15 co-pay for generic drugs.
  • $25 co-pay for name brand drugs on the formulary list.
  • $50 co-pay for name brand drugs that are not on the formulary list.

Below are a few highlights of each plan:

Platinum Plan

  • $20 office visit co-pay.
  • 90/10 hospital benefit - You pay 10% of the hospital visit cost up to the out-of-pocket maximum.
  • Out-of-pocket maximum for plan year = $1,500 employee only, $3,000 for employee plus dependent and/or family. 

Gold Plan 

  • $200 employee only deductible, $400 employee plus dependent and/or family deductible.
  • 80/20 hospital benefit - You pay 20% of the office visit and/or hospital visit cost after reaching your annual deductible up to the out-of-pocket maximum.
  • Out-of-pocket maximum for plan year = $1,500 employee only, $3,000 for employee plus dependent and/or family. 

Silver Plan 

  • $500 employee only deductible, $1,000 employee plus dependent and/or family deductible.
  • 80/20 hospital benefit - You pay 20% of the office visit and/or hospital visit cost after reaching your annual deductible up to the out-of-pocket maximum.
  • Out-of-pocket maximum for plan year = $2,000 employee only, $4,000 for employee plus dependent and/or family. 

Bronze Plan 

  • $1,000 employee only deductible, $2,000 employee plus dependent and/or family deductible.
  • 80/20 hospital benefit - You pay 20% of the office visit and/or hospital visit cost after reaching your annual deductible up to the out-of-pocket maximum.
  • Out-of-pocket maximum for plan year = $3,000 employee only, $6,000 for employee plus dependent and/or family.

Before requesting a change to your current election during a plan year, check with a benefits team member to see if you are eligible for a change at this time

More information is available by clicking on the following links:

Medical insurance forms can be obtained in our Forms Library.