FOREWORD - Wentworth Institute of Technology

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WIT Employee HandbookSection IV: BenefitsSECTION IV: BENEFITSIV A. MEDICAL INSURANCE PROGRAMWentworth sponsors a contributory voluntary group medical plan withMassachusetts Blue Cross and Blue Shield (Blue Choice or HMO Blue). Thisplan is available to all regular full-time and regular part-time employees withregular hours of 17.5 or more. In addition, employees who live outside ofMassachusetts may elect to participate in the Network Blue New Englandprogram.Wentworth reserves the right to change carriers when it deems necessary.1. ELIGIBILITYEmployees are informed about these plans upon the start of their employment.Upon acceptance into the plan, the subscriber will receive an identification cardand a subscriber's certificate outlining the benefits. Coverage begins the day theemployee enrolls. The employee must enroll within thirty days of employment orwait until the open enrollment period. Open enrollment is in December. Duringthe open enrollment period, employees can transfer to either Blue Choice orNetwork Blue.2. CONTRIBUTIONThe employee's share of the premium for this insurance is paid through payrolldeductions. Currently Wentworth contributes 60 percent of the premium while theemployee pays 40 percent on each plan.Through the Health Insurance Premium Payment Plan (Section 125) anemployee may elect each December to have his/her share of the medicalinsurance payment deducted from his/her salary on a pretax basis therebyreducing the employee's taxable income. Employees electing not to participatemust sign a waiver.3. DESCRIPTION OF MEDICAL BENEFITSBrochures describing the comprehensive coverage provided by Blue Cross BlueShield are available in the Human Resources Department.March 200940
WIT Employee HandbookSection IV: Benefits4. TYPES OF MEMBERSHIP COVERAGEa. IndividualAn individual membership includes the employee only.b. FamilyA family membership includes the employee, the spouse, all unmarrieddependent children up to age 19, unmarried children over 19 who are mentallyor physically disabled, and children of unmarried female dependents.1) DependentsUnmarried dependents who are under age 23 and in full-time attendance at anaccredited educational or vocational institution may be included as dependentson their parents' family plan. A letter from the school's Registrar’s Office verifyingfull-time attendance at the school is submitted to the health plan sixty days priorto the child's 19th birthday. The age requirement may vary depending oninsurance carrier. Consult your health care insurance pamphlet or contactHuman Resources.When a minor, dependent child marries or when a minor reaches age 19 and is notenrolled as a full-time student, coverage under the parent's membership ceases.Cost of coverage is borne by the individual and is available without any waitingperiod by applying directly to the health plan at least 60 days prior to the individual's19th birthday.a) Additions of Dependents or Spouse: Employees planning to be married shouldnotify the Human Resources Office at least a month prior to their date of marriage.This notification will allow time to change from individual to family membership sothat the spouse will be covered at the time of marriage and can begin fulfilling theterms of any waiting period if applicable.Employees with newly born children, stepchildren, or recently adopted childrenshould contact the Human Resources Department as soon as possible to addnew dependents to the plan.5. EXCLUDED MEDICAL SERVICESNo benefits are provided if the patient is eligible for benefits under Workers'Compensation or any municipal, state, or federal law; nor will benefits be providedfor admission to a government-managed hospital such as a veteran's hospital.6. SUBROGATIONAll certificates have a subrogation section added. This does not affect the scope ofthe benefits. It allows the health insurance carrier (Blue Cross/Blue Shield) to beMarch 200941
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FOREWORD - Wentworth Institute of Technology

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