Health & Life Insurance
ÐÇ¿Õ´«Ã½ is a public institution that offers benefits through the Employee Benefits Division (EBD) with State of Maryland. We offer a comprehensive, generous benefit package to eligible employees and retirees with a wide range of benefit options from healthcare to income protection. As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in case of illness or injury.
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- – for reduced/waived medical insurance co-payments
2024 Premium Rates & Benefit Information
- (RG Payroll System)
- (CT Payroll System)
- (CT Payroll System and COBRA)
Domestic Relationship Rates (Imputed Income)
- (Eligible for ACA Subsidy)
Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA)
If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, your State may have a premium assistance program that can help pay for coverage. The link below provides information regarding eligibility requirements for this program.
Affordable Care Act (ACA) Guidance
To calculate eligibility/cost for contractual employee health benefits, please see the information below.
Not eligible for health benefits- Less than 30 hours per week or less than 9 credit hours
- 30 hours or more per week or 9 credit hours or more and for less than 90 days
- 30 hours or more per week or 9 credit hours or more and for at least 90 days
- Hours within ÐÇ¿Õ´«Ã½, USM or other Maryland State agencies are combined to determine benefits eligibility
- Review year for average hours worked eligibility is October 15 to October 14
| Department | Contact Hour | Equivalent Credit Hour |
|---|---|---|
| ELI | 1 | 1 |
| Music - Applied music per student | 0.333 | 0.333 |
| All others, excluding Henson | 1 | 0.86 |
Converting hours worked and credit hours:
9 credit hours = 30 work hours
1 credit hour = 3.33 work hours
.3 credit hour = 1 work hour
Medical
Employees may choose from three types of medical plans:
- Preferred Provider Organization (PPO)
- Exclusive Provider Organization (EPO)
- Integrated Health Model (IHM) (regional network only including Baltimore/DC/VA)
The main differences between the three types of plans are the choice of physicians, referral, and the premium costs. Plan summaries and standard benefits charts for each type of plan can be found in the medical section of the State of Maryland Benefits Guide.
Medical carrier options
- CareFirst -
- United Healthcare -
- Kaiser Permanente IHM -
Premium costs vary depending on the specific plan and level of coverage selected and all plans require the selection of a primary care physician (PCP). Lists of PCPs by plan are available on the related website. All medical plans include vision benefits.
Prescription
Comprehensive prescription drug benefits are available separate from the medical plans. Premium costs are determined by level of coverage selected. Each prescription is subject to a co-pay.
- Vendor:
Dental
Employees may choose from two types of dental plans. Premium costs are determined by the level of coverage selected. Dental plan websites have up-to-date listings of participating dentists.
Dental Coverage Options
- Vendor:
- Vendor:
Life Insurance Plans
State of Maryland MetLife Term Life Insurance
Available through Securian for employees and dependents. Coverage is available in amounts varying from $10,000 to $300,000. Premiums on the first $50,000 are eligible for pre-tax treatment. Up to $50,000 coverage can be selected without a medical review at time of hire.
State of Maryland Accidental Death & Dismemberment
This benefit is designed to supplement an employee's life insurance needs. It provides both accidental death and dismemberment benefits for accidents that occur on or off the job. Up to $300,000 in protection can be purchased for employees and their dependents.
- Vendor:
University System of Maryland Life Insurance
Coverage is available for both employees and their dependents. Levels of coverage range from $10,000 to $750,000, not to exceed six times an individual's salary. The enrollment process is paper-free.
- Website: USM MetLife
University System of Maryland Long-Term Disability Insurance
Provides benefits equal to 60 percent of salary following a 90 or 365-day waiting period from the onset of the disability/illness. The enrollment process is paper-free.
- Website:
Flexible Spending Accounts
Health Care Flexible Spending Account
Permits employees to set aside up to $3,050 of pre-tax pay and then be reimbursed for health care expenses that are not covered by insurance. Reimbursement can be requested by submitting a claim online or submitting a paper form to the vendor.
Dependent Care Flexible Spending Account
Allows employees to set aside up to $5,000 of pre-tax pay and then be reimbursed for expenses associated with the care of dependents. Reimbursement forms are available in the Human Resources Office and on the vendor's website below.
- Vendor: