Medical Insurance

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2019 Active Employee Benefits Handbook

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Medical Insurance Options

Comparison of Options

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Please note that because of the contracts Wayne State University has with the medical insurance carriers, the department of Benefits & Wellness must strictly administer enrollment and termination limits.

Click here to view the 5 medical insurance options

Click here for How and When to Enroll

Cost

The university provides a considerable subsidy toward employee and dependent premiums. Click here for Medical Rates

If you are covered by other health insurance, you may choose to receive Cash-in-Lieu of Medical.

When does coverage start?

Coverage for new hires begins on the first of the month following your date of hire (or on the first of the month if you're hired on the first), assuming all completed forms are received by the HR Service Center within 30 days of your hire date. Our annual Open Enrollment period (the annual opportunity to change coverage) for the medical plans is in the fall (October/November) with the new coverage beginning January 1 of the following year.

Who can be covered with you? 

You have 30 days to enroll eligible dependents. Click here to learn who can be covered with you. Remember, supporting documentation is required. 

When does coverage end?

  • If your employment terminates on or before the 14th day of a calendar month, your insurance ends on the 14th day of the calendar month.
  • If your employment terminates on or after the 15th day of a calendar month, your insurance ends on the last day of the calendar month
  • If your dependent is turning 26, coverage ends at the end of the month in which they turn 26.

University retirees may continue their medical insurance in the WSU group plan. Retiree medical insurance is not a subsidized benefit. Retirees click here. 

Questions? Contact Us!