This website is your source for information about your health plan coverage through Syracuse University for 2020. We are committed to providing an excellent set of health benefits to protect both the physical and financial well-being of you and your family.

Information for Those Who Retired Before Jan. 1, 2006

  • Affordable retiree contributions
    The University strives to keep benefit costs affordable. While national health trends are increasing by 5 to 6 percent for 2020, the University will hold the health plan contribution increase for those who are eligible for subsidized coverage to 1 percent and the retiree contributions for non-subsidized coverage will decrease.
  • No increase in deductibles, copays and coinsurance
    There will be no increase in deductibles, copays and coinsurance for SUBlue and SUOrange.
  • Enhanced medical coverage
    Coverage for prostate screenings, emergency room visits, infertility services and out-of-network services for vision, hearing and chiropractic care will be expanded.
  • Time to Review Dependent Eligibility
    Please review the Benefits Eligibility Policy and remove any dependent you have on your health plan who no longer meets the definition of an eligible dependent.
  • Easy enrollment
    If you want to stay with the medical plan that you are currently enrolled in, you do not need to take any action. If you wish to cancel your coverage because you have other coverage available to you that better meets your health care needs, you may contact Lifetime Benefit Solutions from Dec. 2–13, 2019, at 800.493.0318 (TTY: 800.662.1220), option #2.

Questions about benefits? Come join us! Various sessions are available to fit your needs.

Please contact HR Shared Services at 315.443.4042 or hrservice@syr.edu with any questions or requests for accessibility and accommodations.

Benefits Open House: Join us at the Benefits Open House on Tuesday, Nov. 5, from 11 a.m.-2 p.m. at the Barnes Center at The Arch, MAC Court. You can speak directly with our benefit partners and HR representatives about your 2020 options, and have your questions answered in time for Open Enrollment.

Office Hours: Meet one-on-one with an HR representative for assistance with any questions about enrolling, coverage and how to get the most out of your benefits. Excellus BlueCross BlueShield (BCBS) will also be available with personalized assistance for your medical plan questions. View the dates, times and locations for Office Hours.

Can’t make it to any of these options?

  • HR Shared Services is available 8:30 a.m.-5 p.m., Monday through Friday. Call 315.443.4042, email hrservice@syr.edu or stop in to HR Shared Services, Skytop Office Building, anytime during business hours for assistance.
  • Call our dedicated Excellus BCBS customer service center at 800.493.0318 (TTY: 800.662.1220) if you need additional assistance regarding your personal medical plan questions. Excellus BCBS has expanded hours of operation Monday through Thursday from 8 a.m.-8 p.m. and Friday from 9 a.m.-8 p.m.
  • Call our dedicated Lifetime Benefit Solutions customer service center at 800.493.0318 (TTY: 800.662.1220), option #2, with any retiree billing questions. The hours of operation are Monday through Thursday from 8 a.m.-5 p.m.and Friday from 9 a.m.-5 p.m.

As in the past, we continue to offer those who retired before Jan. 1, 2006, and their eligible dependents the choice of two health plan options: SUBlue and SUOrange. These plans include medical benefits administered by Excellus BCBS and prescription drug benefits (for those who are eligible) administered by OptumRx. There will be no increases to existing deductibles, copays or coinsurance for SUBlue or SUOrange.

Health Plan Changes
As of Jan. 1, 2020, the University’s health plan will change in the following ways, subject to applicable cost share:

  • Out-of-network coverage will now be provided under SUBlue for routine vision, routine hearing and chiropractic services.
  • Eligibility for fully covered prostate screenings will be expanded with a broader definition of “high risk.”
  • Partial hospitalization will be reclassified as an outpatient hospitalization rather than inpatient for both in- and out-of network services. Under SUBlue and SUOrange, the in-network copay for partial hospitalization will be reduced to a $200 copay.
  • The definition of the types of services that will be covered at an emergency room will be expanded.
  • OptumRx regularly evaluates and makes changes to the prescription drug formulary and programs that focus on safety and proper usage of certain prescriptions. If there are changes that may impact you, OptumRx will notify you prior to Jan. 1 with additional information.
  • Infertility coverage will be expanded to include coverage of artificial insemination and prescription drugs with lifetime limits of $20,000.

Retirees (and their eligible dependents) who retired before Jan. 1, 2006, who were not yet Medicare-eligible at the time of retirement, have access to subsidized coverage through the end of the five-year period that begins on the date the retiree or dependent became eligible for Medicare. Upon Medicare eligibility, which generally occurs at age 65, you must be enrolled in Medicare Parts A and B in order to have coverage under the University’s retiree health plan.

Remember, if you or any of your covered dependents are Medicare-eligible, you and/or they must enroll in Medicare Parts A and B immediately and notify our medical plan administrator. Medicare integration applies to individuals eligible for Medicare whether or not they are enrolled in Medicare; if a Medicare-eligible individual decides not to enroll in Medicare, out-of-pocket costs for claims made under the plan are likely to be significantly higher. If you have questions about this, contact Excellus BCBS at 800.493.0318 (TTY: 800.662.1220).

Contributions are required for pre-65 coverage only. Below is the schedule of monthly rates for subsidized coverage.


2020 Health Plan: Monthly Retiree Contributions for Pre-65 Coverage*
SUBlue SUOrange
Schedule A Schedule B Schedule A Schedule B
Retiree Only $143.57 $125.77 $139.40 $122.11
Retiree + Spouse/ Domestic Partner $315.86 $276.69 $306.67 $268.64
Retiree + Child(ren) $277.10 $242.74 $269.03 $235.67
Retiree + Spouse/ Domestic Partner + Child(ren) $449.38 $393.66 $436.30 $382.20

  * A monthly administrative fee will apply.

Qualifying for Reduced Contributions Under the Health Plan

Depending on your household income and size (see chart below), you may be eligible for lower medical health plan contributions under Schedule B. If you think you may qualify, complete the application by Dec. 6, 2019. You will be notified after this date if your application is approved.

You must apply each year to receive a reduced rate. For more information and a copy of the application, visit the Schedule B website.

2020 Eligibility Guidelines for Schedule B Contributions
Household Size Household Income
1 Less than $37,000
2 Less than $51,000
3 Less than $64,000
4 and up Less than $77,000

At the end of your five-year period (which began on the date that you became eligible for Medicare), subsidized coverage will end. You may elect to continue Syracuse University retiree health plan coverage on a non-subsidized basis, provided that you enroll in Medicare Parts A and B if eligible. Information will be mailed to you from our retiree billing administrator before your coverage ends.

Please keep in mind that because this option does not include prescription drug coverage, you should consider enrolling in a separate Medicare Part D prescription drug plan once you are eligible for Medicare. We recommend that you make plans three months in advance to replace your University prescription coverage.

The non-subsidized medical plan costs for 2020 are indicated in the table below.

2020 Health Plan: Monthly Retiree Contributions Per Individual*
SUBlue $129.46
SUOrange $124.99

*A monthly administrative fee will apply.

The University retiree health plans, including SUBlue and SUOrange, meet the coverage requirements of the Affordable Care Act. Given the variety of health insurance options available through the Marketplace of private insurers and the subsidies available, you may want to consider whether private insurance is a good option for you and your dependents.

More information about the Marketplace is available by phone at 800.318.2596 (federal) and 855.355.5777 (New York State) or online at healthcare.gov (federal) and nystateofhealth.ny.gov (New York State). You should also compare the coverage and cost of these plans with those available to you through a spouse or domestic partner.

Comparison Made Easy

Choosing health coverage is an important decision. To help you make an informed choice, a Summary of Benefits and Coverage (SBC) is available to you. An SBC summarizes important information about health coverage in a standard format to help you compare features across coverage options available to you. Please keep in mind that the University’s SBCs are not specific to our retiree medical plans and therefore some benefits, such as prescription drug coverage, may not be applicable. The SBCs for the SUBlue and SUOrange coverage options are posted online. Paper copies of the SBCs are also available and may be requested at any time free of charge by contacting HR Shared Services at 315.443.4042 or hrservice@syr.edu.

TIAA
To discuss your investment mix or retirement income options, contact TIAA at 855.842.CUSE (2873) (TTY: 800.842.2755) or visit tiaa.org.

MetLife Auto & Home Insurance
Retirees may participate in Syracuse University’s group auto and home insurance program. For a free quote, call MetLife’s local agent, Tom Swanson, at 315.656.2982.

Notice Regarding the Syracuse University Group Health Plans Notice of Privacy Practices

The Syracuse University Group Health Plans Notice of Privacy Practices (NPP) summarizes the privacy practices of these group health plans. You have the right to receive a copy of the NPP (either electronically or a paper copy) at any time. Even if you have previously agreed to receive the NPP electronically, you are entitled to a paper copy of the NPP. You may review or print out a copy of the NPP online at policies.syr.edu/legal-notices/hipaa-notice-of-privacy-practices. You may also contact HR Shared Services at 315.443.4042 for a paper copy.

Notice Regarding the Women’s Health and Cancer Rights Act of 1998

The medical plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses and complications resulting from a mastectomy, including lymphedema. Call Excellus BCBS at 800.493.0318 (TTY: 800.662.1220) for more information.

Discrimination Is Against the Law

The Syracuse University Retiree Prescription Drug Plan complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. The Syracuse University Retiree Prescription Drug Plan does not exclude people or treat them differently because of race, color, national origin, age, disability or sex.

Syracuse University Retiree Prescription Drug Plan:

  • Provides free aids and services to people with disabilities to communicate effectively with us, such as:
    • Qualified sign language interpreters
    • Written information in other formats (large print, audio, accessible electronic formats, other formats)
  • Provides free language services to people whose primary language is not English, such as:
    • Qualified interpreters
    • Information written in other languages

If you need these services, contact Sheila Johnson-Willis, associate vice president, chief equal opportunity and Title IX officer, at 315.443.1520.

If you believe that the Syracuse University Retiree Prescription Drug Plan has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with: Sheila Johnson-Willis, associate vice president, chief equal opportunity and Title IX officer, by mail (005 Steele Hall, Syracuse University, Syracuse, NY 13244-1520), telephone (315.443.1520), fax (315.443.5021) or email (sjohnson@syr.edu). You can also file a grievance in person. If you need help filing a grievance, Sheila Johnson-Willis is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at:

U.S. Department of Health and Human Services
200 Independence Avenue, SW
Room 509F, HHH Building
Washington, D.C. 20201
800.368.1019, 800.537.7697 (TDD)

Complaint forms are available at hhs.gov/ocr/office/file/index.html.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 315.443.1520.

ATTENTION: Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement. Appelez le 315.443.1520.

Information for Those Who Retired On or After Jan 1., 2006

  • Affordable retiree contributions
    The University strives to keep benefit costs affordable. While national health trends are increasing by 5 to 6 percent for 2020, the retiree health plan contribution for pre-65 individuals will increase by less than 1 percent and contributions for those who are post-65 will decrease.
  • Most copays and coinsurance remain flat
    There will be no increase in deductibles, copays and coinsurance, with the exception of a change to partial hospitalization under SUPro.
  • Enhanced medical coverage
    Coverage for prostate screenings, emergency room visits, infertility services and out-of-network services for vision, hearing and chiropractic care will be expanded.
  • Dental and vision coverage carries over from 2019
    If you are enrolled in the University’s dental and vision coverage under COBRA, this is the second year of a two-year commitment for the University’s dental and vision plan—your 2019 elections will remain in place for 2020, provided you are still eligible for continuation coverage. You may add or remove a dependent from your dental and vision coverage, if needed.
  • Time to review dependent eligibility
    Please review the Benefits Eligibility Policy and remove any dependent you have on your health plan who no longer meets the definition of an eligible dependent.
  • Easy enrollment
    If you want to stay with the medical plan that you are currently enrolled in, you do not need to take any action. If you wish to enroll or switch health plans, you are eligible to do so during this year’s Open Enrollment period for retirees. To make changes, you need to take action Dec. 2–13, 2019, by contacting Lifetime Benefit Solutions at 800.493.0318 (TTY: 800.662.1220), option #2.

Questions about benefits? Come join us! Various sessions are available to fit your needs.

Please contact HR Shared Services at 315.443.4042 or hrservice@syr.edu with any questions or requests for accessibility and accommodations.

Benefits Open House: Join us at the Benefits Open House on Tuesday, Nov. 5, from 11 a.m.-2 p.m. at the Barnes Center at The Arch, MAC Court. You can speak directly with our benefit partners and HR representatives about your 2020 options and have your questions answered in time for Open Enrollment.

Office Hours: Meet one-on-one with an HR representative for assistance with any questions about enrolling, coverage and how to get the most out of your benefits. Excellus BlueCross BlueShield (BCBS) will also be available with personalized assistance for your medical plan questions. View the dates, times and locations for Office Hours.

Can’t make it to any of these options?

  • HR Shared Services is available 8:30 a.m.-5 p.m., Monday through Friday. Call 315.443.4042, email hrservice@syr.edu or stop in to HR Shared Services, Skytop Office Building, anytime during business hours for assistance.
  • Call our dedicated Excellus BCBS customer service center at 800.493.0318 (TTY: 800.662.1220) if you need additional assistance regarding your personal medical plan questions. Excellus BCBS has expanded hours of operation Monday through Thursday from 8 a.m.-8 p.m. and Friday from 9 a.m.-8 p.m.
  • Call our dedicated Lifetime Benefit Solutions customer service center at 800.493.0318 (TTY: 800.662.1220), option #2, with any retiree billing questions. The hours of operation are Monday through Thursday from 8 a.m.-5 p.m.and Friday from 9 a.m.-5 p.m.

As in the past, we continue to offer those who retired on or after Jan. 1, 2006, and their eligible dependents the choice of three health plan options: SUBlue, SUOrange and SUPro. These plans include medical benefits administered by Excellus BCBS and prescription drug benefits (for those who are eligible) administered by OptumRx. For 2020, there will be no increases in deductibles, copays or coinsurance for SUBlue or SUOrange. The only medical service that will experience a cost increase under the SUPro health plan will be partial hospitalization.

Health Plan Changes
As of Jan. 1, 2020, the University’s health plan will change in the following ways, subject to applicable cost share:

  • Out-of-network coverage will now be provided under SUBlue for routine vision, routine hearing and chiropractic services.
  • Eligibility for fully covered prostate screenings will be expanded with a broader definition of “high risk.”
  • Partial hospitalization will be reclassified as an outpatient hospitalization rather than inpatient for both in- and out-of-network services. Under SUBlue and SUOrange, the in-network copay for partial hospitalization will be reduced to a $200 copay. Under SUPro, the in-network coinsurance will increase to 20 percent.
  • The definition of the types of services that will be covered at an emergency room will be expanded.
  • OptumRx regularly evaluates and makes changes to the prescription drug formulary and programs that focus on safety and proper usage of certain prescriptions. If there are changes that may impact you, OptumRx will notify you prior to Jan. 1 with additional information.
  • Infertility coverage will be expanded to include coverage of artificial insemination and prescription drugs with lifetime limits of $20,000.

The following table summarizes the contributions required for individuals in the SUBlue, SUOrange and SUPro plans. If you also cover dependents, contact Lifetime Benefit Solutions customer service center at 800.493.0318 (TTY: 800.662.1220), option #2, for the applicable contributions or view our full list of benefit rates for post-2006 retirees [PDF].

2020 Health Plan: Monthly Retiree Contributions*
Years of Service After Age 45 SUBlue SUOrange SUPro
Pre-65 Adult Post-65 Adult Pre-65 Adult Post-65 Adult Pre-65 Adult Post-65 Adult
1-9 Years $979.26 $129.46 $950.62 $124.99 $995.60 $126.90
10 Years $705.74 $91.26 $714.00 $93.08 $724.13 $88.83
11 Years $673.83 $86.81 $686.40 $89.36 $692.46 $84.39
12 Years $641.92 $82.35 $658.79 $85.63 $660.78 $79.95
13 Years $610.01 $77.90 $631.18 $81.91 $629.11 $75.51
14 Years $578.09 $73.44 $603.58 $78.19 $597.44 $71.06
15 Years $546.18 $68.98 $575.97 $74.46 $565.77 $66.62
16 Years $514.27 $64.53 $548.37 $70.74 $534.10 $62.18
17 Years $482.36 $60.07 $520.76 $67.02 $502.42 $57.74
18 Years $450.45 $55.61 $493.16 $63.30 $470.75 $53.30
19 Years $418.54 $51.16 $465.55 $59.57 $439.08 $48.86
20+ Years $386.63 $46.70 $437.95 $55.85 $407.41 $44.42

*A monthly administrative fee will apply.

Please keep in mind that the University’s plan does not include prescription drug coverage for those who are Medicare-eligible. We recommend that you consider enrolling in a Medicare Part D prescription drug plan once you are eligible for Medicare, and that you make plans three months in advance to replace your Syracuse University prescription coverage when you lose it.

Remember, if you or any of your covered dependents are Medicare-eligible, you and/or they must enroll in Medicare Parts A and B immediately and notify our medical plan administrator. Medicare integration applies to individuals eligible for Medicare whether or not they are enrolled in Medicare; if a Medicare-eligible individual decides not to enroll in Medicare, out-of-pocket costs for claims made under the plan are likely to be significantly higher. If you have questions about this, contact Excellus BCBS at 800.493.0318 (TTY: 800.662.1220).

The University retiree health plans, including SUBlue, SUOrange and SUPro, meet the coverage requirements of the Affordable Care Act. Given the variety of health insurance options available through the Marketplace of private insurers and the subsidies available, you may want to consider whether private insurance is a good option for you and your dependents.

More information about the Marketplace is available by phone at 800.318.2596 (federal) and 855.355.5777 (New York State) or online at healthcare.gov (federal) and nystateofhealth.ny.gov (New York State). You should also compare the coverage and cost of these plans with those available to you through a spouse or domestic partner.

Remember, the University offers an Opt Out/Opt In provision to individuals who are eligible for subsidized retiree health care coverage through the University. This provision gives you the ability to waive out of the retiree health plans with the option to opt back in at a later date, as long as you have had continuous coverage or are Medicare-eligible. For more information on the Opt Out/Opt In provision and the applicable eligibility rules, go online to hr.syr.edu/retiree-opt. If you have any questions about opting out of a University plan, you may contact HR Shared Services at 315.443.4042 or hrservice@syr.edu.

Comparison Made Easy

Choosing health coverage is an important decision. To help you make an informed choice, a Summary of Benefits and Coverage (SBC) is available to you. An SBC summarizes important information about health coverage in a standard format to help you compare features across coverage options available to you. Please keep in mind that the University’s SBCs are not specific to our retiree medical plans and therefore some benefits, such as prescription drug coverage, may not be applicable. The SBCs for the SUBlue, SUOrange and SUPro coverage options are posted online. Paper copies of the SBCs are also available and may be requested at any time free of charge by contacting HR Shared Services at 315.443.4042 or hrservice@syr.edu.

If you are enrolled in the University’s dental and vision coverage under COBRA, Delta Dental and VSP will continue to provide access to dental and vision benefits. This is the second year of a two-year commitment for the dental and vision plan—your 2019 elections will remain in place for 2020 provided you are still eligible for continuation coverage. You may add or remove a dependent from your dental and vision coverage, if needed.

There are no changes to the contributions, copays or plan designs for the University’s dental and vision benefits for calendar year 2020. Dental and vision benefit summaries are available online.

If you are enrolled in the SEBF dental/vision plan under COBRA, you may maintain or change your SEBF coverage. Contact SEBF at 855.835.9720 with any questions regarding the coverage options and contributions. SEBF dental and dental with optical COBRA rates are valid from July 1, 2019, through June 30, 2020.

The contributions for all COBRA continuation coverage options are available online.

TIAA
To discuss your investment mix or retirement income options, contact TIAA at 855.842.CUSE (2873) (TTY: 800.842.2755) or visit tiaa.org.

MetLife Auto & Home Insurance
Retirees may participate in Syracuse University’s group auto and home insurance program. For a free quote, call MetLife’s local agent, Tom Swanson, at 315.656.2982.

Notice Regarding the Syracuse University Group Health Plans Notice of Privacy Practices

The Syracuse University Group Health Plans Notice of Privacy Practices (NPP) summarizes the privacy practices of these group health plans. You have the right to receive a copy of the NPP (either electronically or a paper copy) at any time. Even if you have previously agreed to receive the NPP electronically, you are entitled to a paper copy of the NPP. You may review or print out a copy of the NPP online at policies.syr.edu/legal-notices/hipaa-notice-of-privacy-practices. You may also contact HR Shared Services at 315.443.4042 for a paper copy.

Notice Regarding the Women’s Health and Cancer Rights Act of 1998

The medical plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses and complications resulting from a mastectomy, including lymphedema. Call Excellus BCBS at 800.493.0318 (TTY: 800.662.1220) for more information.

Discrimination Is Against the Law

The Syracuse University Retiree Prescription Drug Plan complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. The Syracuse University Retiree Prescription Drug Plan does not exclude people or treat them differently because of race, color, national origin, age, disability or sex.

Syracuse University Retiree Prescription Drug Plan:

  • Provides free aids and services to people with disabilities to communicate effectively with us, such as:
    • Qualified sign language interpreters
    • Written information in other formats (large print, audio, accessible electronic formats, other formats)
  • Provides free language services to people whose primary language is not English, such as:
    • Qualified interpreters
    • Information written in other languages

If you need these services, contact Sheila Johnson-Willis, associate vice president, chief equal opportunity and Title IX officer, at 315.443.1520.

If you believe that the Syracuse University Retiree Prescription Drug Plan has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with: Sheila Johnson-Willis, associate vice president, chief equal opportunity and Title IX officer, by mail (005 Steele Hall, Syracuse University, Syracuse, NY 13244-1520), telephone (315.443.1520), fax (315.443.5021) or email (sjohnson@syr.edu). You can also file a grievance in person. If you need help filing a grievance, Sheila Johnson-Willis is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at:

U.S. Department of Health and Human Services
200 Independence Avenue, SW
Room 509F, HHH Building
Washington, D.C. 20201
800.368.1019, 800.537.7697 (TDD)

Complaint forms are available at hhs.gov/ocr/office/file/index.html.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 315.443.1520.

ATTENTION: Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement. Appelez le 315.443.1520.

Download or View Post-2006 Retiree Monthly Contribution Rates [PDF]

Information for Those Who Retired Under VSIP

  • Affordable retiree contributions
    The University strives to keep benefit costs affordable. While national health trends are increasing by 5 to 6 percent for 2020, the retiree health plan contribution will increase by 1 percent for participants who are not Medicare-eligible and who are applying their Voluntary Separation Incentive Program (VSIP) subsidy credits. For retirees who do not have, or are not applying their VSIP subsidy credits, contributions will increase by less than 1 percent for pre-65 individuals and contributions for those who are post-65 will decrease.
  • Most copays and coinsurance remain flat
    There will be no increase in deductibles, copays and coinsurance, with the exception of a change to partial hospitalization under SUPro.
  • Enhanced medical coverage
    Coverage for prostate screenings, emergency room visits, infertility services and out-of-network services for vision, hearing and chiropractic care will be expanded.
  • Time to review dependent eligibility
    Please review the Benefits Eligibility Policy and remove any dependent you have on your health plan who no longer meets the definition of an eligible dependent.
  • Easy enrollment
    If you want to stay with the medical plan that you are currently enrolled in, you do not need to take any action. If you wish to enroll or switch health plans, you are eligible to do so during this year’s Open Enrollment period for retirees. To make changes, you need to take action Dec. 2–13, 2019, by contacting Lifetime Benefit Solutions at 800.493.0318 (TTY: 800.662.1220), option #2.

Questions about benefits? Come join us! Various sessions are available to fit your needs.

Please contact HR Shared Services at 315.443.4042 or hrservice@syr.edu with any questions or requests for accessibility and accommodations.

Benefits Open House: Join us at the Benefits Open House on Tuesday, Nov. 5, from 11 a.m.-2 p.m. at the Barnes Center at The Arch, MAC Court. You can speak directly with our benefit partners and HR representatives about your 2020 options, and have your questions answered in time for Open Enrollment.

Office Hours: Meet one-on-one with an HR representative for assistance with any questions about enrolling, coverage and how to get the most out of your benefits. Excellus BlueCross BlueShield (BCBS) will also be available with personalized assistance for your medical plan questions. View the dates, times and locations for Office Hours.

Can’t make it to any of these options?

  • HR Shared Services is available 8:30 a.m.-5 p.m., Monday through Friday. Call 315.443.4042, email hrservice@syr.edu or stop in to HR Shared Services, Skytop Office Building, anytime during business hours for assistance.
  • Call our dedicated Excellus BCBS customer service center at 800.493.0318 (TTY: 800.662.1220) if you need additional assistance regarding your personal medical plan questions. Excellus BCBS has expanded hours of operation Monday through Thursday from 8 a.m.-8 p.m. and Friday from 9 a.m.-8 p.m.
  • Call our dedicated Lifetime Benefit Solutions customer service center at 800.493.0318 (TTY: 800.662.1220), option #2, with any retiree billing questions. The hours of operation are Monday through Thursday from 8 a.m.-5 p.m.and Friday from 9 a.m.-5 p.m.

As in the past, we continue to offer those who retired after Jan. 1, 2006, and their eligible dependents the choice of three health plan options: SUBlue, SUOrange and SUPro. These plans include medical benefits administered by Excellus BCBS and prescription drug benefits (for those who are eligible) administered by OptumRx. For 2020, there will be no increases in deductibles, copays or coinsurance for SUBlue or SUOrange. The only medical service that will experience a cost increase under the SUPro health plan will be partial hospitalization.

Health Plan Changes
As of Jan. 1, 2020, the University’s health plan will change in the following ways, subject to applicable cost share:

  • Out-of-network coverage will now be provided under SUBlue for routine vision, routine hearing and chiropractic services.
  • Eligibility for fully covered prostate screenings will be expanded with a broader definition of “high risk.”
  • Partial hospitalization will be reclassified as an outpatient hospitalization rather than inpatient for both in- and out-of-network services. Under SUBlue and SUOrange, the in-network copay for partial hospitalization will be reduced to a $200 copay. Under SUPro, the in-network coinsurance will increase to 20 percent.
  • The definition of the types of services that will be covered at an emergency room will be expanded.
  • OptumRx regularly evaluates and makes changes to the prescription drug formulary and programs that focus on safety and proper usage of certain prescriptions. If there are changes that may impact you, OptumRx will notify you prior to Jan. 1 with additional information.
  • Infertility coverage will be expanded to include coverage of artificial insemination and prescription drugs with lifetime limits of $20,000.

As a participant in the Voluntary Separation Incentive Program, you are entitled to enhanced subsidies toward the cost of your health coverage. As a reminder, when you use VSIP subsidies, your cost for premiums will be subsidized for a total of up to 60 months*, as follows:

Medicare Eligibility Required Contribution
Participants who are not Medicare-eligible The University’s subsidy will be increased such that the required contributions are the same as those charged to employees covered under the comparable active medical plan shown in the chart below.
Participants who are Medicare-eligible There is NO required contribution.
Note: The Retiree Medical Plan requires Medicare-eligible participants to have Medicare Parts A and B. For those individuals who wish to have prescription drug coverage, Medicare Part D should be elected as well.

*Any unused VSIP subsidies will expire on Dec. 31, 2021.

2020 Health Plan: Monthly Retiree Contributions for Individuals Not Eligible for Medicare with VSIP Subsidy Applied
Schedule A SUBlue SUOrange SUPro
Retiree Only $143.57 $139.40 $130.94
Retiree + Spouse/ Domestic Partner $315.86 $306.67 $288.06
Retiree + Child(ren) $277.10 $269.03 $252.71
Retiree + Spouse/ Domestic Partner + Child(ren) $449.38 $436.30 $409.83
Schedule B SUBlue SUOrange SUPro
Retiree Only $125.77 $122.11 $114.70
Retiree + Spouse/ Domestic Partner $276.69 $268.64 $252.34
Retiree + Child(ren) $242.74 $235.67 $221.37
Retiree + Spouse/ Domestic Partner + Child(ren) $393.66 $382.20 $359.01

If you do not have any VSIP subsidy credits, or if you choose not to apply any remaining VSIP subsidy credits to coverage for yourself or any covered dependents in 2020, your contributions will be based on the regular retiree rates as shown below under "Retiree Health Plan Contributions (No VSIP Subsidy Applied)."

Qualifying for Reduced Contributions Under the Health Plan
Depending on your household income and size, you may be eligible for lower health plan contributions under Schedule B. If you were approved for Schedule B contributions in 2019, you do not need to reapply; you will continue to pay the Schedule B contribution as long as you are receiving the VSIP subsidy.

New applicants for Schedule B should visit the Schedule B website for more information. If you think you may qualify, complete the application by Dec. 6, 2019. You will be notified after this date if your application is approved.

2020 Eligibility Guidelines For Schedule B Contributions
Household Size Household Income
1 Less than $37,000
2 Less than $51,000
3 Less than $64,000
4 and up Less than $77,000

The following table summarizes the contributions required for retirees in the SUBlue, SUOrange and SUPro plans who do not have or choose not to apply their VSIP subsidy for 2020. If you also cover dependents, contact Lifetime Benefit Solutions customer service center at 800.493.0318 (TTY: 800.662.1220), option #2, for the applicable contributions.

2020 Health Plan: Monthly Retiree Contributions*
Years of Service After Age 45 SUBlue SUOrange SUPro
Pre-65 Adult Post-65 Adult Pre-65 Adult Post-65 Adult Pre-65 Adult Post-65 Adult
1-9 Years $979.26 $129.46 $950.62 $124.99 $995.60 $126.90
10 Years $705.74 $91.26 $714.00 $93.08 $724.13 $88.83
11 Years $673.83 $86.81 $686.40 $89.36 $692.46 $84.39
12 Years $641.92 $82.35 $658.79 $85.63 $660.78 $79.95
13 Years $610.01 $77.90 $631.18 $81.91 $629.11 $75.51
14 Years $578.09 $73.44 $603.58 $78.19 $597.44 $71.06
15 Years $546.18 $68.98 $575.97 $74.46 $565.77 $66.62
16 Years $514.27 $64.53 $548.37 $70.74 $534.10 $62.18
17 Years $482.36 $60.07 $520.76 $67.02 $502.42 $57.74
18 Years $450.45 $55.61 $493.16 $63.30 $470.75 $53.30
19 Years $418.54 $51.16 $465.55 $59.57 $439.08 $48.86
20+ Years $386.63 $46.70 $437.95 $55.85 $407.41 $44.42

*A monthly administrative fee will apply.

Please keep in mind that the University’s plan does not include prescription drug coverage for those who are Medicare-eligible. We recommend that you consider enrolling in a Medicare Part D prescription drug plan once you are eligible for Medicare, and that you make plans three months in advance to replace your Syracuse University prescription coverage when you lose it.

Remember, if you or any of your covered dependents are Medicare-eligible, you and/or they must enroll in Medicare Parts A and B immediately and notify our medical plan administrator. Medicare integration applies to individuals eligible for Medicare whether or not they are enrolled in Medicare; if a Medicare-eligible individual decides not to enroll in Medicare, out-of-pocket costs for claims made under the plan are likely to be significantly higher. If you have questions about this, contact Excellus BCBS at 800.493.0318 (TTY: 800.662.1220).

The University retiree health plans, including SUBlue, SUOrange and SUPro, meet the coverage requirements of the Affordable Care Act. Given the variety of health insurance options available through the Marketplace of private insurers and the subsidies available, you may want to consider whether private insurance is a good option for you and your dependents.

More information about the Marketplace is available by phone at 800.318.2596 (federal) and 855.355.5777 (New York State) or online at healthcare.gov (federal) and nystateofhealth.ny.gov (New York State). You should also compare the coverage and cost of these plans with those available to you through a spouse or domestic partner.

Remember, the University offers an Opt Out/Opt In provision to individuals who are eligible for subsidized retiree health care coverage through the University. This provision gives you the ability to waive out of the retiree health plans with the option to opt back in at a later date, as long as you have had continuous coverage or are Medicare-eligible. For more information on the Opt Out/Opt In provision and the applicable eligibility rules, go online to hr.syr.edu/retiree-opt. If you have any questions about opting out of a University plan, you may contact HR Shared Services at 315.443.4042 or hrservice@syr.edu.

Comparison Made Easy
Choosing health coverage is an important decision. To help you make an informed choice, a Summary of Benefits and Coverage (SBC) is available to you. An SBC summarizes important information about health coverage in a standard format to help you compare features across coverage options available to you. Please keep in mind that the University’s SBCs are not specific to our retiree medical plans and therefore some benefits, such as prescription drug coverage, may not be applicable. The SBCs for the SUBlue, SUOrange and SUPro coverage options are posted online. Paper copies of the SBCs are also available and may be requested at any time free of charge by contacting HR Shared Services at 315.443.4042 or hrservice@syr.edu.

TIAA
To discuss your investment mix or retirement income options, contact TIAA at 855.842.CUSE (2873) (TTY: 800.842.2755) or visit tiaa.org.

MetLife Auto & Home Insurance
Retirees may participate in Syracuse University’s group auto and home insurance program. For a free quote, call MetLife’s local agent, Tom Swanson, at 315.656.2982.

Notice Regarding the Syracuse University Group Health Plans Notice of Privacy Practices

The Syracuse University Group Health Plans Notice of Privacy Practices (NPP) summarizes the privacy practices of these group health plans. You have the right to receive a copy of the NPP (either electronically or a paper copy) at any time. Even if you have previously agreed to receive the NPP electronically, you are entitled to a paper copy of the NPP. You may review or print out a copy of the NPP online at policies.syr.edu/legal-notices/hipaa-notice-of-privacy-practices. You may also contact HR Shared Services at 315.443.4042 for a paper copy.

Notice Regarding the Women’s Health and Cancer Rights Act of 1998

The medical plan, as required by the Women’s Health and Cancer Rights Act of 1998, provides benefits for mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses and complications resulting from a mastectomy, including lymphedema. Call Excellus BCBS at 800.493.0318 (TTY: 800.662.1220) for more information.

Discrimination Is Against the Law

The Syracuse University Retiree Prescription Drug Plan complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. The Syracuse University Retiree Prescription Drug Plan does not exclude people or treat them differently because of race, color, national origin, age, disability or sex.

Syracuse University Retiree Prescription Drug Plan:

  • Provides free aids and services to people with disabilities to communicate effectively with us, such as:
    • Qualified sign language interpreters
    • Written information in other formats (large print, audio, accessible electronic formats, other formats)
  • Provides free language services to people whose primary language is not English, such as:
    • Qualified interpreters
    • Information written in other languages

If you need these services, contact Sheila Johnson-Willis, associate vice president, chief equal opportunity and Title IX officer, at 315.443.1520.

If you believe that the Syracuse University Retiree Prescription Drug Plan has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with: Sheila Johnson-Willis, associate vice president, chief equal opportunity and Title IX officer, by mail (005 Steele Hall, Syracuse University, Syracuse, NY 13244-1520), telephone (315.443.1520), fax (315.443.5021) or email (sjohnson@syr.edu). You can also file a grievance in person. If you need help filing a grievance, Sheila Johnson-Willis is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at:

U.S. Department of Health and Human Services
200 Independence Avenue, SW
Room 509F, HHH Building
Washington, D.C. 20201
800.368.1019, 800.537.7697 (TDD)

Complaint forms are available at hhs.gov/ocr/office/file/index.html.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 315.443.1520.

ATTENTION: Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement. Appelez le 315.443.1520.


Every effort has been made to ensure that the information contained within this website is accurate. However, benefits are governed by legal documents (which, in certain circumstances, may include insurance contracts). If there is any difference between the information on this website and the official documents, the official documents will control. As is the case with all of Syracuse University’s benefit plans, the University reserves the right to modify or terminate these benefits at any time.