No Hospital Plan Rate Changes for 2026!
We’re excited to share some great news—hospital insurance premiums will remain the same for 2026! This stability makes it an excellent time to review your options and consider adding coverage that provides extra peace of mind when you need it most.
❤️Protect Your Finances When It Matters Most
Hospital insurance is designed to offer additional financial support during hospital stays, working in coordination with your existing medical insurance. This plan helps ease the burden of out-of-pocket costs by providing direct cash payments to you—so you can focus on recovery, not unexpected bills.
🏥How It Works with Your Health Plan
This coverage can complement your medical plan and other university benefits to help support your overall financial well-being during a hospital stay.
For example:
If an employee is hospitalized for a 48-hour stay for child birth with a vaginal delivery, the university’s health plan would pay according to its coverage (after the deductible and coinsurance).
However, the employee could also:
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đź’µReceive a lump-sum payment from the hospital insurance plan,
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đź•’Have time away from work supported by internal leave policies such as sick leave, vacation, faculty paid leave, or shared leave, and
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🛡️Receive additional income protection from the short-term disability plan, if enrolled.
Together, these benefits help create a stronger financial safety net during recovery or time away from work.
đź“‹Hospital Indemnity Plan- Benefits Overview
Choose from two plan options—both with no pre-existing condition limits, no medical questions for enrollment, and even a benefit for childbirth.
Each plan also includes a đź’˛50 Be Well Incentive per covered person annually, rewarding you for prioritizing preventive care and staying engaged with your health.
| Benefit Type | Option 1 | Option 2 |
|---|---|---|
| Admission (per year) | $1,000 | $500 |
| Daily Stay (per day, up to 90 days) | $100 | $100 |
| ICU Daily Stay (per day, up to 30 days; in addition to Daily Stay) | $100 | $100 |
đź’°Monthly Premiums
| Coverage Option | Option 1 | Option 2 |
|---|---|---|
| Employee | $15.05 | $10.05 |
| Employee & Spouse | $30.20 | $20.10 |
| Employee & Child(ren) | $20.50 | $14.17 |
| Employee & Family | $35.65 | $24.22 |
đź“…Enrollment Information
Open Enrollment: November 1 – December 1
Effective Date: January 1, 2025
Learn more and explore all your benefit options by visiting the Virtual Benefits Fair during Open Enrollment.
🌿Don’t Miss Your Wellness Incentive!
And don’t forget—employees enrolled in the university’s medical plan can earn a wellness incentive toward their 2026 health plan premium by completing 2 of 3 wellness activities: biometric screening, flu shot, and/or Educational video.Â
👉 Learn more about the program and eligibility details here: Wellness Incentive.
📢Stay Updated
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HR News: Follow the HR Blog for the latest updates on benefits and professional development.
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Wellness News: Keep informed by following the Wellness Blog.
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