Note changes to benefit premiums when choosing plans

October 3, 2018 | UToday
By Staff

As employees make their selections for health-care benefit plans during open enrollment in October, please note that premium rates have changed, some significantly, from the previous year.

As The University of Toledo determined the employee rates for each of the plan options, adjustments were made to reflect an employee contribution of 20 percent of the total cost, unless it conflicts with an existing collective bargaining agreement.

While some plans already in place had included a 20 percent employee share, others had the University’s costs at more than 80 percent. The changes in the percentage of the employee’s share, as well as increases in premiums due to rising health-care costs, have resulted in cost increases, some significant, for UT faculty and staff, depending on the employee’s classification and choice of a preferred medical insurance plan.

The increases in the employee’s share of the cost of benefits were agreed to in the recent collective bargaining agreement with the American Association of University Professors, with the largest increase in the first year of that contact. Additional adjustments to the employee’s share of benefits costs are expected in the years ahead for other employee groups on campus.

More than 70 percent of the University’s expenses are for salaries and benefits. Adjusting the employee’s share of the cost of health-care benefits to 20 percent will help save the University $1.8 million.

In an effort to provide more options and increased flexibility for employees, some additional plan options are available this year. The Blue Medical Plan now includes an employee plus one option, in addition to the single or family coverage, that provides coverage for one additional family member at a lower premium. The Health Savings Account contributions for the Blue Medical Plan also will move to three tiers, so employees may be able to contribute more in pre-tax dollars.

Before making benefit selections, employees are encouraged to take time to review all plan details available at

Employees need to complete open enrollment by Wednesday, Oct. 31, by logging in to their account on the myUT portal. Under Benefits Information on the left, select 2019 Open Enrollment to start the process.

For additional information, contact or 419.530.1470.

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