Below are the 2023 benefits rates for Medical, Dental, Vision, and Supplemental Life, as well as maximum annual contributions for Flexible Spending Accounts (FSAs).
Staff, Faculty & Administrators Rates
Tulane now offers you a choice of three medical plans through Blue Cross Blue Shield of Louisiana. The information below is only a summary of medical coverage. Please see the plan summaries (TBA) detailing coverage information, limitations, and exclusions.
| Level of Coverage Selected |
Monthly Employee Contributions: HRA Plan |
Monthly Employee Contributions: POS Plan |
Monthly Employee Contributions: HDHP Plan |
|---|---|---|---|
| Employee Only | |||
| Less than $52,500 |
$64.61 |
$139.39 | $60.27 |
| $52,500 to $84,699 | $103.79 | $177.74 |
$96.44 |
| $84,700 to $109,999 | $187.23 | $261.30 |
$168.77 |
| $110,000 & above | $253.95 | $326.61 |
$229.05 |
| Employee + Spouse | |||
| Less than $52,500 |
$489.90 |
$626.92 |
$377.04 |
| $52,500 to $84,699 |
$609.08 |
$727.60 |
$494.31 |
| $84,700 to $109,999 |
$710.41 |
$905.64 |
$594.01 |
| $110,000 & above |
$806.02 |
$1,035.01 |
$632.88 |
| Employee + Child(ren) | |||
| Less than $52,500 |
$375.43 |
$485.83 |
$278.78 |
| $52,500 to $84,699 |
$527.97 |
$641.82 |
$390.28 |
| $84,700 to $109,999 |
$692.10 |
$887.88 |
$446.04 |
| $110,000 & above |
$777.04 |
$1,014.72 |
$501.79 |
| Employee + Family | |||
| Less than $52,500 |
$548.15 |
$824.19 |
$394.37 |
| $52,500 to $84,699 |
$700.68 |
$923.77 |
$544.45 |
| $84,700 to $109,999 |
$880.95 |
$1,146.28 |
$721.81 |
| $110,000 & above |
$1,038.91 |
$1,300.42 |
$877.24 |
Student Employee Rates
| Level of Coverage | Monthly Student Employee Contributions |
|---|---|
| Student Employee Only | $695.75 |
| Student Employee + Spouse | $1,461.08 |
| Student Employee + Child(ren) | $1,287.14 |
| Student Employee + Family | $2,017.68 |
Biweekly Rates
To calculate the biweekly rate, find your monthly rate and multiply that amount by 12, then divide by 24. For example: An employee in annual salary band of [$52,500 to $84,699] “Employee Only” tier on the HRA plan: $103.79 x 12 = $1,578.48/24 = $51.90 (estimated biweekly medical rate for this example).
Dental
Tulane offers employees two dental plan options through Delta Dental. Please see the plan summaries(TBA) detailing coverage information, limitations, and exclusions.
| Level of Coverage Selected | Monthly Employee Contributions: Low Plan | Monthly Employee Contributions: High Plan |
|---|---|---|
| Employee Only | $15.59 | $20.77 |
| Employee + Spouse |
$32.22 |
$42.93 |
| Employee + Child(ren) | $34.45 | $45.91 |
| Employee + Family | $56.61 | $75.43 |
Vision
Tulane offers employees vision insurance through EyeMed that includes coverage for eye exams and eyeglasses or contact lenses. Please see the plan summaries(TBA) detailing coverage information, limitations, and exclusions.
| Level of Coverage | Monthly Employee Contributions |
|---|---|
| Employee Only | $5.59 |
| Employee + Spouse | $10.62 |
| Employee + Child(ren) | $11.18 |
| Employee + Family | $16.43 |
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(TBA) 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) and the Health Saving Account (HSA) 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, Dependent Care FSA, and Health Savings Account for 2023.
Note: You must re-enroll in FSA programs each year you choose to participate
|
|
|---|
| $3,050 maximum annual contribution |
| FSA debit card |
| Grace period after year end |
|
|
|---|
| $5,000 maximum annual contribution |
| Funds available as contributions are made via payroll deductions |
| No grace period |
| Health Savings Account (HSA) |
| $3,850 maximum annual contribution for Employee Only Coverage |
| $7,750 maximum annual contribution for Family Coverage |
| Rollover year to year |
