Medical and Pharmacy Plans 2020

Wright State provides comprehensive medical and pharmacy coverage for benefit-eligible employees and their eligible dependents through Anthem Blue Cross Blue Shield.

Employees appointed to work 75%FTE or greater have the flexibility to decide which plan option is best for themselves and their families. Both plan options provide coverage for the same types of medical services and providers; however, the employee’s out-of-pocket costs for each service varies based on plan enrollment. 

Open enrollment is an annual opportunity for employees to change their benefit elections, Changes made during open enrollment take effect January 1, 2020.  Employees can make the following elections related to their medical plan through WINGS Express beginning October 30 through November 13, 2019:

  • Continue current plan
  • Enroll in a plan
  • Change plans
  • Terminate coverage
  • Waive coverage
  • Add eligible dependents (spouse and/or children)
  • Remove eligible or ineligible dependents (spouse and/or children)

Understand your options by using the tools and resources below to help you make an informed decision:

Definitions

To view full glossary of commonly used health coverage and medical terms, CLICK HERE.

Covered Services

A medically necessary service or supply for which the benefit plan will reimburse expenses according to the plan’s limits.

Copay

A copay is a fixed dollar amount (for example, $20) you pay for a covered health care service, such as an primary care office visit, at the time you receive the service. The amount can vary by the type of service.

Deductible

Your deductible is the amount you owe for certain medical services before your medical plan begins to pay. For example, if your deductible is $800, your plan will not pay anything until you have paid $800 out-of-pocket for certain covered services subject to the deductible. The deductible may not apply to all services.

Coinsurance

Coinsurance refers to your share of the cost of a certain covered medical services, calculated as a percent of the allowed amount for the service (for example, 20%). You pay coinsurance in addition to any deductible you owe for your plan. The health plan pays the rest of the allowed amount.

Generic Prescription Drug

A prescription drug that is produced by more than one manufacturer. It is chemically the same as brand and usually costs less than the brand name prescription drug for which it is being substituted and will produce comparable effective clinical results.

Brand Name Prescription Drug

A prescription drug that has been patented with the brand name and is produced by the original manufacturer under that brand name.

Specialty drugs

High-cost prescription medications used to treat complex, chronic conditions.  Specialty drugs sometimes require special handling and administration (typically injection or infusion).

 

Disclaimer: The benefits information contained in this site provides a summary for employees of Wright State. This information does not list all the provisions and does not supersede the individual provisions of our group insurance contracts, benefit plans and university policies that it describes. Similarly, the information presented does not guarantee that the university, the state of Ohio, and/or others responsible for these contracts, plans, programs, and policies will not make future changes in the provisions applicable to each.