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Medical
Having access to high-quality, comprehensive medical plans is important. Wright State University offers three medical plans through Anthem Blue Cross Blue Shield—two copay-based plans and one High Deductible Health Plan (HDHP)—so you can choose the coverage that best meets your needs. All three plans include in-network preventive care at no cost to you and coverage for behavioral health services.
Benefit-eligible employees (75% FTE or higher) may enroll in medical, dental, and vision coverage independently and may also cover eligible dependents.
Spouse Coverage
Eligible spouses may enroll in medical coverage when the employee is enrolled as the policyholder according to the Spousal Insurance Coverage Policy.
Dependent Child Coverage
Eligible dependent children up to age 26 may enroll in medical coverage when the employee is enrolled in the plan as the policyholder.
Your 2027 Medical Plan Options
Blue High-Performance Network (Blue HPN)
The Blue High-Performance Network (Blue HPN) is a copay-based plan that requires you to receive medical care from a broad network of providers in Ohio, Kentucky, and Indiana. Out-of-network services are not covered under this plan, except for emergencies.
Providers within the Kettering Health Network are not covered under this plan. The Blue HPN has lower employee premiums and copays when obtaining services, as well as a lower total cost for both employees and Wright State University.
Network Updates Effective January 1, 2027
- OhioHealth hospitals, physicians, and other providers will no longer participate in the Blue HPN.
- Mount Carmel Health System has joined the Blue HPN in the Columbus market.
Blue HPN Resources
Review the plan's coverage details and participating provider information.
High Deductible Health Plan (HDHP)
The High Deductible Health Plan (HDHP) offers both in-network and out-of-network coverage. Services are subject to a deductible and coinsurance up to the out-of-pocket maximum.
When in-network services are received, your deductible and coinsurance amounts are lower than when services are obtained outside of the network.
The HDHP has the second-lowest employee premiums. Wright State's annual contribution to the Health Savings Account remains unchanged from last year:
- $500 for employee-only coverage
- $1,000 for all other coverage levels
These contribution amounts are based on enrollment in the plan for the full 12-month calendar year and will be prorated for employees enrolled for less than 12 months.
HDHP Resources
Review the plan's coverage details, participating providers, and Health Savings Account information.
PPO 80/20 Plan
The PPO 80/20 Plan is a copay-based plan that offers both in-network and out-of-network coverage. Certain services require a copay, while others are subject to the deductible and coinsurance up to the out-of-pocket maximum.
When in-network services are received, your deductible and coinsurance amounts are lower than when services are obtained outside of the network.
PPO 80/20 Resources
Review the plan's coverage details and participating provider information.
Plan Comparison
Review the 2027 medical plan comparison and use the comparison tool to help determine which medical plan may best meet your needs.
Prescription Drug Coverage
Prescription Drug Coverage Changes for 2027
Effective January 1, 2027, MedImpact will replace CarelonRx as Wright State University's Pharmacy Benefit Manager (PBM). MedImpact will manage prescription drug benefits, including the pharmacy network and formulary (drug list). Anthem will continue to administer medical benefits.
This transition is designed to better manage prescription drug costs while maintaining access to quality pharmacy benefits for employees and their covered family members. It also supports the university's ongoing commitment to providing comprehensive and cost-effective benefits.
What Does This Mean for You?
While there will be some changes to the covered formulary (drug list), there will be no changes to the current prescription drug copays, coinsurance, and overall pharmacy plan design. We anticipate minimal disruption, with most prescriptions experiencing no change in coverage or cost.
If a medication you or an enrolled family member currently takes is affected by this transition, MedImpact will mail a letter to your home address explaining the change and any steps you may need to take. MedImpact will also be available to discuss the options that are right for your situation and walk you through the process to ensure you get the care you need.
MedImpact team members will also hold sessions during open enrollment to talk to employees about what MedImpact offers and how this change will affect employees.
All current prescriptions, including mail-order prescriptions, will automatically transfer from CarelonRx to MedImpact. Existing prior authorizations (approvals required by the insurance plan before certain medications are covered, such as specialty medications and prescription pain medications) will also transfer. Members will not need to obtain new approvals solely because of the transition.
Member Cost Sharing
Select preventive medications specified under the Affordable Care Act will continue to be covered at no charge for you and your family.
For all other covered medications, employees enrolled in the HDHP medical plan will continue to pay the contracted cost of their prescriptions until the deductible is met. Once the deductible is met, members will continue to pay 20% coinsurance across all drug tiers until the out-of-pocket maximum is reached. There is no change to the current deductible or out-of-pocket maximum structure or process.
Both the PPO 80/20 and Blue HPN pharmacy copay structures will also remain unchanged. Members will continue to pay their copay until they reach their out-of-pocket maximum.
2027 Prescription Drug Formulary
Formulary changes are a regular occurrence with pharmacy benefits. Wright State has historically experienced formulary changes to prescription medications semiannually.
Individual medications may sometimes move from one tier to another based on formulary changes. This means the copay for a specific medication could increase or decrease if its tier changes.
The new prescription drug list is now available! Review the 2027 MedImpact Preferred Drug List (PDF) to see how medications you or your covered family members take may be covered beginning January 1, 2027. You can also review medications you may need in the future.
Pharmacy ID Card
Anthem will mail new insurance ID cards in December 2026 to all members enrolled in a Wright State University medical plan for 2027 as part of the transition to MedImpact.
One card covers both benefits! Your new Anthem ID card will include both your medical and MedImpact prescription drug coverage information.
Watch for your new card in the mail at your home address, and begin using it January 1, 2027, when receiving medical care or filling prescriptions.
MedImpact Informational Sessions
To help employees and their covered family members prepare for the transition, MedImpact will host informational sessions. These sessions will provide an overview of the new prescription drug program, explain what to expect during the transition, and offer an opportunity to ask questions.
Definitions
View the full glossary of commonly used health coverage and medical terms (PDF).
- Covered Services
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Medical services, treatments, or supplies that are included in your health insurance plan and eligible for payment according to the plan's benefits, limitations, and requirements.
- Copay (Copayment)
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A fixed dollar amount you pay for a covered healthcare service or prescription medication. For example, you may pay a $30 copay for a primary care office visit. Copays may vary depending on the type of service or prescription drug medication.
- Deductible
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The amount you pay for certain covered healthcare services before your insurance plan begins sharing the cost. For example, if your deductible is $1,400, you generally pay the cost of services subject to the deductible until you have paid $1,400. Some services, such as certain preventive care, may be covered 100% by your plan before you meet your deductible.
- Coinsurance
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The percentage of the cost you pay for a covered healthcare service or prescription medication, typically after meeting your deductible. For example, if your coinsurance is 20%, you pay 20% of the plan's allowed amount, and your insurance pays the remaining 80%.
- Generic Prescription Drug
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A medication that contains the same active ingredient as its brand-name equivalent and provides the same clinical benefits. Generic medications are approved by the FDA and typically cost less than brand-name medications.
- Brand-Name Prescription Drug
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A medication marketed under a specific brand name by a pharmaceutical manufacturer. Brand-name medications typically cost more than generic alternatives, when available.
- Specialty Prescription Drug
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A medication used to treat complex or chronic health conditions, such as multiple sclerosis, rheumatoid arthritis, or certain cancers. Specialty medications are often expensive and may require special handling, administration, or monitoring.
Disclaimer: The benefits information contained on this site provides a summary for Wright State University employees. 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 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.