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Employment & Benefits

This section provides an overview of many benefits available to faculty and staff. In the event of conflict between the overview provided in this handbook and the plan document or insurance plan, the plan document or insurance plan will govern. Complete descriptions are not possible in the handbook; employees should contact Human Resources for specific plan details. The Labor Agreement governs in the case of Union employees in all aspects of this section. Regular employees who have a schedule involving a (.46) FTE or above are eligible to participate in the College’s benefit programs.

Carleton College will comply with all applicable laws such as FMLA, federal, state, and any applicable regulations.

Health Coverage

Regular benefit-eligible employees are offered health coverage effective the first of the month following the first month of employment.  If the employment date occurs on the first working day of the month, benefits become effective immediately.  Employee-only, employee plus one, or family coverage is available. Participation in the plan is voluntary. The plan allows for same sex and opposite sex domestic partner coverage.

AWARE Preferred Provider Organization (PPO). This option offers preventative and catastrophic coverage through a large network of health care providers. Preventative care is covered at 100%, and eligible services are covered at 80%.  Office visits require a $35 co-pay. Preventive care is covered at 100%. Prescription drugs require a $15 co-pay for generic drugs, a $35 co-pay for brand name formulary drugs, or a $55 co-pay for non-formulary brand name drugs. Coverage is available with non-network provicers, but higher out-of-pocket costs and other restrictions can be expected.

Options Blue (Aware). This is a deductible option offering preventative and catastrophic coverage with an employer-funded health reimbursement account (HRA).  This plan also offers a large network of providers.  Preventive care is covered at 100% to a maximum of $500.  Routine cancer screenings are covered at 100%.  Prescription drugs require a $15 co-pay for generic drugs, a $35 co-pay for brand name formulary drugs, or a $55 co-pay for non-formulary brand name drugs.  Coverage is available with non-network providers, but higher out-of-pocket costs and other restrictions can be expected.

Accord HRA. This is a deductible option offering preventative and catastrophic coverage with an employer-funded health reimbursement account (HRA).  This plan also offers a large network of providers, however differs slightly from the Options Blue Aware network (Mayo Clinic and Hazelton are not in network).  Preventive care is covered at 100% to a maximum of $500.  Routine cancer screenings are covered at 100%.  Prescription drugs require a $15 co-pay for generic drugs, a $35 co-pay for brand name formulary drugs, or a $55 co-pay for non-formulary brand name drugs.  Coverage is available with non-network providers, but higher out-of-pocket costs and other restrictions can be expected.

Plan availability, plan design, and premium rates for coverage levels are established on an annual basis.  The premium is shared by the College and the employee.  There is an annual contract renewal period each year during which participants may change plan options.  "Off-cycle" enrollments are not guaranteed and are available only under specific circumstances.  Information regarding the Carleton group health insurance plan may be obtained from the Office of Human Resources.

Keywords: health, insurance, blue cross, PPO
Maintained by Human Resources