Insurance Benefits

Group Medical

Option 1

A Traditional Health Maintenance Organization (HMO) that provides comprehensive medical insurance  and an extensive physician and hospital network throughout New England. The plan includes preventative care, prescription drugs (including mail-order), bi-annual vision exams, worldwide emergency and urgent care, chiropractic care, and fitness benefits. There is a $500 deductible per person per year ($1250/ family) for inpatient care. There is a $30 co-pay for most doctor's visits. For full-time employees, the College contributes 70% of the premium for either an individual or a family plan. The employee contribution is pre-tax, saving on Federal, State and FICA taxes.

Option 2

A High Deductible HMO Health Plan (HDHP) requires a Primary Care Physician but does not require referrals in most cases. The plan has a $1,600 initial deductible for individual coverage and $3,200 for family coverage. (Annual physicals are outside the deductible). After the Deductible for the year, there is only a $15 co-pay for office visits, $25 for Specialist, and none of the other deductibles in the plan. An HSA (Health Savings Account) is available for HDHP participants to offset the plan deductible and other medical charges. Employees with an HSA may not have an FSA. The college will contribute 25% of the deductible (individual or family) to the participant's HSA. The College contributes part of the premium for either an individual, individual and child, individual and spouse, or a full family plan. The employee contribution is pre-tax, saving on Federal, State and FICA taxes.

Option 3

A Preferred Provider Organization (PPO) provides nationwide comprehensive medical insurance through their network. This PPO plan does not require a Primary Care Physician and coverage outside the network requires a 20% co-pay. This plan is restricted to those living outside of New England or those with covered children attending school outside New England. 

In compliance with the Transparency in Coverage Final Rule (TCR) and the Consolidated Appropriations Act (2021), Gordon College is providing a link to our third-party administrator’s website where information can be found about the (1) in-network provider negotiated rates, and (2) historical out-of-network allowed amounts.

Consolidated Appropriations Act

Your rights and protections against Surprise Medical Bills

Per federal law, you are protected from balance billing or surprise billing when you receive emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center. Visit the provider’s website for more information

Group Dental

The College offers comprehensive dental insurance. The plan covers 100% of preventive dental expenses, 100% of basic restorative work after a $50 deduction and 50% of major restorative dental expenses. The maximum benefit is $1,000 per person per calendar year with a rollover feature for usage of less than half the limit. For full-time employees, the college contributes 50% of the premium for either an individual or family plan.

Vision Insurance

An employee paid pre-tax Vision Insurance Plan is available. This low-cost plan includes significant savings on eyewear through participating doctors and retailers and annual eye exams. Enrollment is upon hire or Open Enrollment on the Flexible Benefit Election Form provided by HR.

Legal Insurance 

A post-tax employee Legal Insurance Plan is available to cover phone and in-office legal assistance as well as online services covering a variety of legal issues like will preparation, home purchase, and identity theft. There are two levels of coverage depending on need. Enrollment is upon hire or Open Enrollment on the Flexible Benefit Election Form provided by HR.

Group Term Life Insurance (GTL) plus Accidental Death & Dismemberment (AD&D) Insurance 

The College offers Group Term Life Insurance and Accidental Death and Dismemberment Insurance to full-time Gordon College employees.

Supplemental Life Insurance

For employees wanting additional life insurance coverage above that provided by the college, as well as possibly spousal and/or child coverage, Gordon College makes available an employee paid, low-cost option. Eligibility is upon hire or during the annual enrollment in November. Employees not signing upon hire or exceeding the guaranteed coverage of $125,000 will need to complete a medical history form. 

Long-Term Disability Insurance 

Gordon College automatically enrolls all full-time employees in long-term disability coverage. After six months of sick pay, an employee still unable to work due to injury or illness will receive 60% of their base pay for the length of their disability or until age 65. There are no cost or tax implications with this coverage..

Flexible Spending Accounts

Fulltime employees (working over 25 hours/week or more) are eligible to enroll in a medical care and/or dependent care flexible spending account on hire or during the open enrollment period in November. The accounts are funded by the employee's pre-tax contributions, saving up to 30% on net pay.  Note: You cannot have an FSA if you have an HSA.