Now is the time for benefits-eligible employees to consider offerings for 2023!   Middlebury College has three medical plans for eligible employees to choose from:

  • PPO Platinum + Plan – Platinum level coverage with low deductibles, coinsurance, and co-pays for prescriptions. The PPO Plan has one deductible and out of pocket max for in-network and out of network coverage. 
  • Gold Plan – New! Priced between the PPO and Panther Plans, provides mid-tier deductibles and coinsurance for medical and prescriptions. The Gold Plan has a separate deductible and out of pocket max for in-network and out of network coverage.
  • Panther Silver Plan – High deductible health plan paired with a Health Savings Account (HSA).  The College contributes 50% of the deductible to the HSA. The Panther Plan has a separate deductible and out of pocket max for in-network and out of network coverage.

The PPO and Panther Plans will continue to offer the same great benefit design as in previous years.  The Gold Plan is a new high-quality plan for you and your family to consider for 2023.

Gold Plan Highlights:

  • Salary based premiums
  • Preventative care: Covered 100%
  • In-network stacked Deductibles: $450 individual, $900 two-person, $1,350 family  
  • In-network Coinsurance: Members pay 20% after the deductible is met
  • In-network Out Of Pocket Maximum: $3,000 individual, $6,000 two-person, $9,000 family
  • FSA compatible, no Health Savings Account
  • RX: 10% generics, 30% preferred brand name prescriptions, 40% non-preferred brand name prescriptions

For more detailed information refer to the Gold Plan Summary of Benefits & Coverage and 2023 Benefit Guide.

Want to learn more?  Join us for an informative session: Exploring Your Medical Plan Choices!

11/3 at 3:00-4:00pm EST via Zoom.  Please mark your own calendar and include the zoom information below.

Can’t make it to the session on 11/3?  Listen to the pre-recorded Exploring Your Medical Plan Choices session, linked here, at a time that is convenient for you.

Open Enrollment runs from October 27 through November 11, 2022.

Questions?

Your Benefits Team is here to support you!

Leave a Reply