With health care ranked as a “highly-valued” benefit, according to the ’Canes Total Rewards assessment, the University has released the 2015 health care plan highlights to enable you to make informed decisions about your coverage for next year. We continue to monitor health care reform requirements and changes to the health care environment while working to ensure that the UM health care plans remain competitive.


Open Enrollment Helpful Links

Faculty/Staff | UMH | UMMG

Faculty/Staff | UMH | UMMG

IMPORTANT NOTICE: Aetna to end contract with VitalMD effective November 15 - read more.

What’s staying the same in 2015?

Same three medical plans: Aetna Select 1, Aetna Select 2, and the Aetna Health Reimbursement Account (HRA).
• Free preventive care services for UM/Aetna medical plan members.
No increase to medical plan copays or deductibles.
Lower copays at UHealth.
Routine and complex lab services will continue to be offered at Quest and at UHealth laboratories.
Low-cost services for sick care, and free annual physicals and immunizations at the on-site walk-in Healthy ’Canes Employee Clinics.
Free generics and reduced price brand medications through Aetna Health Connections.
Well ’Canes Incentives Program will continue in 2015 allowing you to earn up to $300 per year by getting engaged in your well-being.

What’s changing in 2015?

Minimal increases to health care premiums.
Spousal surcharge. The medical plan’s spousal surcharge, which allows you to cover a spouse/same-sex domestic partner who has access to his/her own employer-provided medical plan, will increase to $250 per month.
Smoker’s surcharge. The medical plan’s smoker’s surcharge, which applies to adult smokers covered under the UM/Aetna medical plan, will increase to $100 per smoker, per month. Complete the complimentary Be Smoke Free program by October 31, 2014 to avoid the surcharge.
NEW–Aetna Select 1 and 2 out-of-pocket maximums will now include prescription copays. This enhancement will help reduce overall cost for participants. 
NEW–Generic Choice incentive program for UM/Aetna members. Save money and avoid out-of-pocket costs by choosing generic medications, if available. If you fill a brand name medication when a generic is available, you will be responsible for the higher copay, plus the difference in cost between the generic and the brand name medication. If you’re currently taking a brand name medication for which a generic equivalent is available, you will receive more information about this program at your home within the next few months. View the 2015 Rx list here
NEW–Rx Step Therapy program. Expensive medications aren’t always best. For a small group of medications, UM/Aetna plan members will be required to try the least expensive, but equally effective, medication before trying higher-priced alternatives. If the less expensive medication has not been tried, the plan may not cover the more expensive medication. If you’re currently taking a medication that may be part of the Rx Step Therapy program, you and your doctor will receive more information about this program within the next few months. 
Minimal increase to some prescription drug copays. Generic drug copays will remain at $10. The copay for tier 2, brand preferred drugs, will be $45 and for tier 3, non-preferred brand drugs, will be $75. View the 2015 Rx list here
HealthyNow mobile app allows you to manage your Well ’Canes Incentives Program account from your mobile device.
• The Women’s Hospital at Jackson Memorial welcomes “Little Miracles Maternity Suites,” a newly renovated maternity floor featuring 20 private suites with leading-edge equipment in a spa-like atmosphere. Jackson services are covered at the UHealth copay.

2015 Premiums

Health Care Premiums
UMH Employees
UMMG Employees
Click here for additional health care premiums.

Dental Premiums
UMH Employees
UMMG Employees
Click here for additional dental premiums.

2015 Medical Plan Examples


2015 Summary of Benefits and Coverages

2015 Summary of Benefits and Coverages

Benefits Fairs | Information Sessions | Webinars

Benefits Fairs
UMH Employees
UMMG Employees

Open Enrollment Information Webinars
Thursday, October 9, 3:30 p.m. | Friday October 10, 10 a.m. | Tuesday, October 14, 10 a.m.
Wednesday, October 15, 3:30 p.m. | Monday, October 20, 10 a.m. | Thursday, October 23, 3:30 p.m.

HRA Information Webinars
Thursday, October 9, 12 p.m. | Friday, October 17, 10 a.m. | Tuesday, October 21, 3:30 p.m.

If you have any questions about the University’s health care plans or how these changes may affect you, please contact HR-Benefits at miami.edu/benefits/ask or 305-284-3004.