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2019 Rates

Below are the 2019 Benefits Rates for Medical, Dental, Vision, and Supplemental life, as well as maximum annual contributions for Flexible Spending Accounts (FSAs).   

2019 Benefits Rates (printable version)

Medical Rates

Staff, Faculty & Administrators Rates

Tulane University offers you a choice of two medical plans through United Healthcare. The information below is only a summary of medical coverage. Please see the plan summaries detailing coverage information, limitations, and exclusions.

Level of Coverage
Selected
Monthly Employee Contributions:
HRA Plan
Monthly Employee Contributions:
POS Plan
Employee Only
Less than $50,000 $53.42 $115.24
$50,000 to $64,999 $85.80 $146.94
$65,000 to $94,999 $154.79 $216.02
$95,000 & above $209.94 $270.02
Employee + Spouse
Less than $50,000 $405.00 $518.28
$50,000 to $64,999 $503.53 $601.52
$65,000 to $94,999 $587.31 $748.70
$95,000 & above $656.35 $855.66
Employee + Child(ren)
Less than $50,000 $310.37 $401.64
$50,000 to $64,999 $436.48 $530.60
$65,000 to $94,999 $572.17 $734.03
$95,000 & above $642.39 $838.88
Employee + Family
Less than $50,000 $453.17 $681.37
$50,000 to $64,999 $579.26 $763.69
$65,000 to $94,999 $728.29 $947.65
$95,000 & above $858.88 $1,075.07

Student Employee Rates

Level of Coverage Monthly Student Employee Contributions
Student Employee Only $784.34
Student Employee + Spouse $1,647.11
Student Employee + Child(ren) $1,451.03
Student Employee + Family $2,274.59

Biweekly Rates

To calculate the biweekly rate please find your monthly rate, multiply that amount by 12 and then divide by 26. For example: An employee in an annual salary band of [$50,000 to $64,999] "Employee Only" tier on the HRA plan: $85.80 x 12 = $1,029.60/26 = $39.60 (estimated biweekly medical rate for this example).

Dental & Vision

Dental

Tulane offers employees two dental plan options through Delta Dental. Please see the plan summaries detailing coverage information, limitations, and exclusions.

Level of Coverage Selected Monthly Employee Contributions: Low Plan Monthly Employee Contributions: High Plan
Employee Only $16.85 $22.44
Employee + Spouse $34.82 $46.39
Employee + Child(ren) $37.23 $49.61
Employee + Family $61.17 $81.51

Vision

Tulane offers employees vision insurance through EyeMed that includes coverage for eye exams and eyeglasses or contact lenses. Please see the plan summaries detailing coverage information, limitations, and exclusions.

Level of Coverage Monthly Employee Contributions
Employee Only $6.03
Employee + Spouse $11.46
Employee + Child(ren) $12.06
Employee + Family $17.73
Supplemental Life Insurance

You can purchase Supplemental Life and AD&D (Accidental Death and Dismemberment) coverage for you and your family. Below are the monthly rates per $1,000 of coverage for employee and spouse Supplemental Life Insurance. These rates are based on your current age and are automatically adjusted for age band and salary increases each year.

To purchase supplemental life coverage for your spouse or child(ren), you must enroll yourself in coverage.  You pay 100% of the cost for this coverage. Please refer to the plan summaries for the low-cost, age-related rates. You are not required to purchase Supplemental Life in order to purchase AD&D. You can enroll independently.

Supplemental Life - Employee and Spouse

Age Cost
Under 35 $0.040
35 to 39 $0.051
40 to 44 $0.071
45 to 49 $0.132
50 to 54 $0.221
55 to 59 $0.376
60 to 64 $0.590
65 to 69 $1.104
70 + $1.812
Supplemental Life Cost Calculation

Scenario: Employee is 32 years old with a salary of $50,000. Calculation: ($50,000 divided by $1,000 x rate $0.040) Cost: $2.00 per month.

Supplemental Life - Child

Coverage Cost
$10,000 $1.10 each
$20,000 $2.20 each

Accidental Death and Dismemberment (AD&D)

Coverage Cost
Employee Only $0.02
Family $0.028
Flexible Spending Accounts (FSAs)

Flexible Spending Accounts (FSAs) help you save money by allowing you to pay for certain types of health care and dependent care expenses on a pre-tax basis. Below are the maximum annual contributions that can be made into Healthcare FSA and the Dependent Care FSA for 2019.

Note: You must re-enroll in FSA programs each year you choose to participate

Healthcare FSA
$2,650 Maximum Annual Contribution
FSA Debit Card
Grace Period after year end
Dependent Care FSA
$5,000 Maximum Annual Contribution
Funds available as contributions are made via payroll deductions
No grace period