As of January 1, 2016, the university offers medical benefits to all non-seasonal employees that work 30 or more hours per week, whether in temporary or regular positions, or a combination of positions. This expansion of health coverage was implemented under the Employer Shared Responsibility (ESR) provision of the Affordable Care Act. Eligible employees will be offered a choice from all health plans and coverage levels. All U-M health plans include prescription drug coverage.
Am I Eligible?
If you become eligible for medical benefits under ESR as a new employee or following a break in service, the Benefits Office will notify you at your University of Michigan email address and provide instructions on how to enroll. You will have 30 days to enroll. (If you become eligible without a break in service, you will receive a confirmation statement that your coverage has converted rather than an enrollment notification.) If you have questions about your eligibility and have not received an offer of medical coverage, you should contact your department human resources representative.
The Benefits Office tracks and monitors all employees’ hours to in order to offer coverage to all eligible employees. Newly eligible groups under the new policy may include:
- Full time temporary employees who consistently work 30 or more hours per week for three months or more and the position is not seasonal (lasting six months or less and beginning in the same part of each calendar year) - eligible as of the first of the month following certification by department
- Variable hour employees who work 30 or more hours per week on average over the course of a 12-month measurement period - eligible for the following 12-month period
- Employees with multiple regular or temporary positions who work a total of 30 or more hours per week on average over the course of a 12-month measurement period - eligible for the following 12-month period
Certain benefits-eligible employees who experience a job change may also be able to extend eligibility for medical benefits typically through the end of the calendar year under the new policy, including:
- Employees who reduce hours or change to a benefits-ineligible job status
- Employees who experience a break in service that is equal to or shorter than the length of their previous university employment, up to 26 weeks, and return to employment at the university in a benefits-ineligible job status (includes retirees who return to temporary employment)
Important Note About Enrollment
Please note that if you become eligible under ESR and then move into a regular benefits-eligible position, your medical plan under ESR remains in effect until the next Open Enrollment. However, if you have waived medical benefits under ESR and then move into a regular full time benefits-eligible position, you may be eligible to enroll in a U-M health plan in your new position and your enrollment will continue until the next Open Enrollment. In either case, other benefits may become available at the start of your new position.
How Much Do Medical Benefits Cost Under ESR?
If you enroll in medical benefits, you will pay a portion of the monthly premium. The amount you pay depends on what plan you select and how many people you want to cover under your plan. Individual rates can be viewed in Wolverine Access.
Please note that your benefit costs are calculated on the first day of each month based on your employment status, plan and coverage level. This means that if you change from ESR eligible to a full time regular employee during the month, your rates will not change until the first of the following month.
You are responsible for making sure that your U-M paycheck is sufficient to cover the deductions for the plan and coverage level you elect. Be sure to account for any other deductions that may come out of your paycheck, such as parking and contributions to a 403(b) Supplemental Retirement Account. You can view your appointment information, including your per pay period gross amount, on Employee Self-Service > Employment Information > View Appointment in Wolverine Access.
If you are a retiree who becomes eligible for ESR, your monthly premiums will be automatically deducted from your checking or savings account each month if you previously set up electronic funds transfer to pay for retiree benefits. Otherwise, you will receive a monthly billing statement. If you would prefer to pay for your coverage via payroll deduction, please contact the Shared Services Center at 5-2000 from the Ann Arbor campus, (734) 615-2000 locally, or (866) 647-7657 toll free, Monday through Friday from 8 a.m. to 5 p.m.
|Plan||Coverage Level||Your Monthly Rate||University Monthly Contribution|
|U-M Premier Care||You Only||$152.00||$434.00|
|U-M Premier Care||You and Adult||$430.00||$742.00|
|U-M Premier Care||You and Adult and Children||$610.00||$1,008.00|
|U-M Premier Care||You and Child||$332.00||$700.00|
|U-M Premier Care||You and Children||$332.00||$700.00|
|Community Blue PPO||You Only||$248.00||$434.00|
|Community Blue PPO||You and Adult||$622.00||$742.00|
|Community Blue PPO||You and Adult and Children||$875.00||$1,008.00|
|Community Blue PPO||You and Child||$501.00||$700.00|
|Community Blue PPO||You and Children||$501.00||$700.00|
|Comprehensive Major Medical||You Only||$96.00||$442.00|
|Comprehensive Major Medical||You and Adult||$334.00||$742.00|
|Comprehensive Major Medical||You and Adult and Children||$477.00||$1,008.00|
|Comprehensive Major Medical||You and Child||$247.00||$700.00|
|Comprehensive Major Medical||You and Children||$247.00||$700.00|
|GradCare||You and Adult||$0.00||$524.00|
|GradCare||You and Adult and Children||$0.00||$723.00|
|GradCare||You and Child||$0.00||$461.00|
|GradCare||You and Children||$0.00||$461.00|