Employee Insurance Benefits for 2024

Overview of Benefits

Spoon River College provides benefits that can help you enjoy increased well-being, deal with an unexpected illness or accident, build and protect your financial security, balance your personal and professional life and meet everyday needs. These benefits are affordable, comprehensive and competitive. The table below summarizes the benefits available to eligible staff and their dependents. These benefits are described in greater detail in the appropriate sections below.

Benefits At-A-Glance

MedicalBlueCross BlueShield of Illinois
DentalBlueCross BlueShield of Illinois
VisionBlueCross BlueShield of Illinois
LifeBlueCross BlueShield of Illinois
Long-Term DisabilityBlueCross BlueShield of Illinois
Accident / CancerAFLAC

Eligibility:  Full Time

Changes and Qualifying Events

When Coverage Begins and Ends:

Date of Hire

Your coverage under the benefits plans will end if you no longer meet the eligibility requirements, your contributions are discontinued or the Group Insurance Policy is terminated.

Qualifying Events:

Eligible employees may enroll or make changes to their benefits elections during the annual open enrollment period. As with most benefits, once you elect an option you are bound to that choice for the entire plan year unless you experience a “Qualifying Event”. These may include, but are not limited to:

  • Changes in employment status
  • Changes in legal marital status
  • Changes in number of dependents
  • Taking an unpaid leave of absence
  • Dependent satisfies or ceases to satisfy eligibility requirement
  • Family Medical Leave Act (FMLA) leave.
  • A COBRA-qualifying event
  • Entitlement to Medicare or Medicaid
  • A change in the place of residence of the employee, resulting in the current carrier not being available


Summary of Coverage

Plan FeaturesHDHPPPO
Calendar Year Deductibles (Indiv / Family)$3,200 / $6,400$500 / $1,500
Preventive Care0%$0
Primary Care Visit20%$20
Specialist Visit20%$40
Diagnostic Exam20%$20 / $40
Complex Images20%10%
Outpatient Procedure20%10%
Inpatient Visit20%10%
Emergency Room20%$150
Urgent Care20%10%
Pharmacy / RX Preferred10% / 10% / 20% /30% / 40% / 50%$0 / $10 / $50 / $100 / $150 / $250
AFTER deductible
Pharmacy / RX Non-Preferred20% / 20% / 30% /40% / 40% / 50%$10 / $20 / $70 / $120 / $150 / $250
AFTER deductible
Calendar Year$6,200 / $12,400$1,500 / $4,500
Out-of-Pocket Max (Indiv / Family)
Calendar Year Deductibles (Indiv / Family)$6,400 / $12,800$1,000 / $3,000
Preventive Care40%30%
Primary Care / Specialist / Urgent Care40%30%
Diagnostic Exam / X-Ray / Complex Images40%30%
Outpatient Procedure / Inpatient Visit40%30%
Emergency Room40%$150
Pharmacy / RX (30 Day Supply)see SBCSee SBC
Calendar Year$18,600 / $37,200$4,500 / $13,500
Out-of-Pocket Max (Indiv / Family)
Employee + Spouse$111.58$207.72
Employee + Child(ren)$96.55$178.45
Employee + Family$155.42$287.70

This is only an illustration and not a guarantee of benefits or claims payment.
The prescription benefit shown is for a 30 day supply. See your SBC for mail order details.
See EASE for additional information.
Coinsurance is applicable AFTER deductible has been met.

Dental and Vision Coverage

Summary of Coverage

Blue Cross Blue Shield Dental
In & Out of Network*
Annual Deductible (Individual / Family)$50 / $150
Preventive Care100%
Basic Procedures (Extractions, fillings, etc.)80%
Major Procedures (Crowns, dentures, etc.)50%
Child Orthodontia $1,500 50%
Calendar Year Maximum Benefit$1,500
Blue Cross Blue Shield Vision**
Vision Exam$10
Single / Bifocal / Trifocal$10
Standard Progressive$75
Frames $150 Allowance + 20%
Contact Lenses $150 Allowance + 15%
Exam / Lenses or contacts / Frames 12 / 12 / 24
BI-WEEKLY DEDUCTIONS With Medical Without Medical
Employee + Spouse$0.00$6.19
Employee + Child(ren)$0.00$7.67
Employee + Family$0.00$11.56

This is only an illustration and not a guarantee of benefits or claims payment.
See EASE for additional information.
*Dental coverage Out Of Network is based on U&C.
**Vision Network is EyeMed.
If you elect Medical coverage you will be automatically enrolled for Dental & Vision with the same dependent coverage.
If you do not elect Medical coverage but enroll in Dental you will be automatically enrolled for Vision with the same dependent coverage.


Summary of Coverage

Employer-PAID Basic Life Insurancespace
Employer-PAID Basic Life Insurance
Class 1: All Active Full-Time Administrators, Professional Support Staff and Faculty
Benefit Amount 2x Salary to $300,000
AD&D Benefit 2x Salary to $300,000
Class 2: All Full-Time Classified Staff
Benefit Amount$25,000
AD&D Benefit$25,000
Age Reduction
No age reduction
Employee Supplemental Term Life / ADD Insurancespace
Employee Supplemental Term Life / ADD Insurance
Employee Benefit $10,000 - $750,000, not to exceed 7x salary
Guarantee Issued$150,000
Spouse Supplemental Term Life / ADD Insurance>
Spouse Benefit $10,000 - $750,000, not to exceed 100% of Employee
Guarantee Issued$50,000
Child(ren) Supplemental Term Life / ADD Insurance
Birth to 13 Days$0
14 days to age 26 $2,500 - $10,000 in increments of $10,000
Age Reduction
No age reduction

Employee / Spouse Supplemental Term Life / ADD cost per $1000
Employee / Spouse Supplemental Term Life / ADD cost per $1000
Age 0-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Child(ren) $0.22 per $1,000

This is only an illustration and not a guarantee of benefits or claims payment.
If you previously waived the Supplemental Life benefit for yourself and/or dependents and wish to enroll at open enrollment or would like to increase the benefit above the guarantee issued amounts, you and/or dependents will be required to provide Evidence of Insurability.
– At Open Enrollment: Enroll for an additional $10,000 benefit up to the Guarantee Issued amount without Evidence of Insurability if you are currently enrolled.

Health Savings Account (HSA)

Thru MidAmerica National Bank

For 2024 Spoon River College is offering a Health Savings Account (HSA) IF you are covered under the Blue Cross Blue Shield HDHP with Spoon River College. This is how an HSA works:

A health savings account (HSA) is a health care account and savings account in one. The main purpose of this account is to offset the cost of a qualifying high deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses – those you and your tax dependents may have now, in the future, and during your retirement.

This is a “portable” account. You own your HSA! It’s included in your employee benefits package, but after you set up your account, it’s yours to keep, even if you change jobs or retire.

Once your HSA is established, money is contributed to your account by you, Spoon River College or friends and family, and you can then use your HSA dollars tax-free to pay for eligible health care expenses. You save money on expenses you’re already paying for, like doctors’ office visits, prescription drugs, and much more. Best of all, you decide how and when to use your HSA dollars.

Why is it a good idea to have an HSA?
HSAs benefit everyone who is eligible to have this account – single individuals, families, and soon-to-be retirees. You save money on taxes in three ways:

  • Tax-free deposits – The money you contribute to your HSA isn’t taxed (up to the IRS annual limit).
  • Tax-free earnings – Your interest and any investment earnings grow tax-free.
  • Tax-free withdrawals – The money used toward eligible health care expenses isn’t taxed – now or in the future.
  • Setting aside pre-tax dollars into your HSA means you pay fewer taxes and increase your take-home pay by your tax
    savings. You save money on eligible expenses that you are paying for out of your pocket. The amount you save
    depends on your tax bracket. For example, if you are in the 30 percent tax bracket, you can save $30 on every $100
    spent on eligible health care expenses.

HSA funds roll over from year to year and accumulate in your account. There is no “use-it-or-lose-it” rule with HSAs, and you decide how and when to use your HSA funds, which can be used for eligible expenses you have now, in the future, or during retirement. And when you have a certain balance in your HSA, investment opportunities are available.
Spoon River College is contributing into the HSA for any employee that is enrolled in the offered Blue Cross Blue Shield HDHP with a one time lump sum & monthly deposits (pro-rated if you are electing coverage during the plan year!):

Employee: $2,450 – total annual Employer contribution
Employee/Child(ren): $4,325 – total annual Employer contribution
Employee/Spouse: $5,150 – total annual Employer contribution
Family: $7,000 – total annual Employer contribution

Refer to your HSA documentation for more information and annual limits! Please log into EASE!