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PT Faculty>Health Insurance Group Health Insurance for Part-Time
Faculty Part-time faculty who teach half-time or more in a year (usually 24 credit hours) become eligible for group health insurance coverage the following academic year. Group health insurance enrollment is on an annual basis for the academic year. You may skip one term of teaching in that year and still receive the monthly employer contribution to your coverage (however, make sure you pay the employee contribution of the premium amount). If you are eligible for group health insurance coverage, you will receive an enrollment package from the college. The group insurance enrollment period is typically from
August 15 to September 15. You must select a policy, or if you have other coverage, you can waive the PCC group health insurance coverage. If you do not waive the PCC coverage, you will be enrolled in the high deductible plan and charged for the monthly employee contribution to that policy for the entire year. Click
here for more information on paying the employee contribution during summer
break. Health Insurance Reimbursement Part-time faculty who are not eligible for the group plans may still get reimbursed for purchasing their own private health insurance policies or paying for a policy available from a spouse’s plan. Part-time faculty are eligible for a reimbursement for health insurance costs if they have taught 3 out of the 4 last terms, for at least 0.4 FTE (usually 2 classes) in one of those terms. See the online application link below for additional provisions and for eligibility for purchasing through a spouse's coverage. Part-time faculty who work over 1.5 FTE in a year (24 lecture credits) receive access to the PCC group insurance plan and are not eligible for the reimbursement.The reimbursement plan has limited funding and does not cover vision or dental insurance. The reimbursement comes out of a fund of $34,800 annually. The reimbursement checks are issued after each term. The amount of the checks depends on the number of applicants for a particular term. For the current reimbursement application (including rules for eligibility), click here. Purchasing Health
Insurance Click on the health
insurance companies below for information on private policies from : Or try an insurance
broker. The companies pay the fee, not you. Do a google search for “health insurance” and you will find many brokers. Frequently
Asked Questions Who is eligible? Part-Time faculty who have taught at least a half-time workload,
that is, 1.5 FTE, in a school year. You establish eligibility
the year prior to your coverage. For example, part-time faculty who have
taught 1.5 FTE from fall 2008 through summer 2009 will receive coverage
from the group health insurance plans the following year, from fall 2009
through summer 2010. How much coverage can I get? The college will contribute $260 a month towards your premium. The remainder of the premium has to be paid by you. There are three plans available from ODS and one from Kaiser. One plan, the ODS Plan 8, has monthly premiums that begin at only about $307. In that case, the college would pay $260, and the instructor would pay the remaining $47. What is FTE? You can calculate your FTE by multiplying the workload factors below by the number of lecture, lecture/lab, and/or lab hours assigned to your class. Lecture 0.068 For example, a 4 lecture hour class would be 0.272 FTE: A combined 3 lecture hour and 2 lecture/lab hour class would
be 0.312 FTE: I taught half-time the previous school year, but I am teaching less than half-time now. Do I still stay covered the entire school year? Even if you go below half-time, the college will continue paying the $260 monthly employer contribution towards your policy. The college will also continue the $260 monthly employer contribution for up to one term that you are not teaching at all. If you continue not to teach, you will have to cover the full cost of the premium for subsequent terms. I have purchased my own health insurance and was getting the reimbursement from the union. Can I still continue to do that? Not if you qualify for the group plans. The reimbursement trust fund now totals $34,800 a year. This is intended as a reimbursement trust for those who fall under the annual 1.5 FTE threshold for the group plans. How do I continue my coverage in pay periods when I don't receive a paycheck, for example, summer break? If you are covered by group insurance for the school year, make sure your premiums get paid when you are not teaching. If you do not pay your share of the monthly health insurance premium, then your coverage will be cancelled and your bills will go to the collections department.Click here for more information on paying the employee contribution during summer break.
f you are currently enrolled
in the college group health insurance plans, you will have to make sure
your payments to your group health insurance policy are made during any
months you don't receive a bi-weekly paycheck. This means if you
are teaching a shorter term this summer, or not teaching at all this
summer, you will have to make payments toward your health insurance premiums.
The college has set up an
online payment system for employee contributions to health insurance,
using the same system that students pay their tuition and other bills
with (scroll down for the steps below). Although we requested a
pay-in-advance plan, where faculty could make one payment to cover all
of the summer term, HR maintained that payments could only be made on
a monthly basis. If you miss a payment for employee contribution,
the college will cover it, but they will then send any unpaid bills to
a collections agency.
How to Make Online Payments for PT Health Insurance Step 1: Login to MyPCC, click on the College Business tab then select the PCC-Pay link.
Step 2: Use the navigation bar in PCC-Pay to view the account balance or make a payment
Step 3: Select your payment type
Step 4: Enter payment information and submit. A confirmation will be returned to the employee and a payment confirmation will be sent to his or her MyPCC email address.
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Comparison of PCC Health Insurance Plans Available to Part-Time Faculty for 2008 (This information is only a guide. Use the official enrollment packet information from Human Resources for complete information).Attention: The information below is for informational purposes. See your enrollment packet for details and possible modifications before you make a final decision. The enrollment period will begin in November, when eligible faculty will receive an enrollment packet mailed to their home addresses. For specific questions about the policies, you can contact a benefits representative at that time. The Faculty Federation will be receiving FTE totals for part-time faculty some time in October. We will notify those who are on (as well as not on) the eligible list. Contact us if you have any questions—it is important that any issues are resolved before the enrollment deadline ends. |
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