Medical with Prescription Coverage

NMU offers its employees medical coverage administered by Blue Cross Blue Shield (BCBS) of Michigan. Prescription coverage is through CVS/Caremark.

2024 Plan Rates
 Single PlanTwo-Person PlanFamily Plan
Staff*$ 61.19$146.85$183.54
Faculty**$ 79.55$190.90$238.60

*Full-time staff bi-weekly deduction is over 26 pays; less than full-time staff who do not collect 26 pays will have their deduction spread appropriately. **Faculty bi-weekly deduction is over 20 pays (10 in Winter and 10 in Fall)

Vaccine Services

The NMU group health plan has traditionally covered vaccines under the medical plan with Blue Cross Blue Shield.  Effective November 1, 2023, vaccines will also be covered under the pharmacy plan with CVS Caremark.  Vaccine services are covered at 100% with no employee cost share.  You may present either card when you are receiving a vaccination.

Dental Coverage

NMU offers its employees dental coverage administered by Blue Cross Blue Shield (BCBS) of Michigan.

2024 Plan Rates
Non-Reps/AP's$ 0$0$ 0

» Additional information

Flexible Spending Accounts

NMU offers two types of Flexible Spending Accounts (FSA's) which allows full-time employees to deposit money on a pre-tax basis from their paycheck into an account. The two accounts are:

  1. The FSA for health care expenses
  2. The FSA for dependent care expenses

Funds can then be withdrawn from your account to cover approved out-of-pocket expenses for health care or dependent care. 

For year 2024, the annual maximum contribution for the health care FSA is $3,200.  IRS regulations allow for a maximum of 20% ($640) of the maximum contribution established to carry-over to 2025.  The annual maximum for the dependent care FSA is $5,000 and there is no carry-over provision for this account.

If you are not certain what your out-of-pocket expenses may be, we encourage you to make a conservative estimate regarding your contribution amount.

Upon separation of service, you may still be reimbursed for services incurred prior to the end of the month in which you left employment.  You will have 30 days after your benefit termination date to process eligible expenses for reimbursement.  After 30 days, any remaining funds in the health care FSA will be forfeited. 

» Additional Resources

Life Insurance Coverage

Northern Michigan University provides group term life insurance through The Hartford for employees working half-time or more.  The amount of Basic Life Insurance is equal to one times annual salary rounded to the next thousand ($350,000 maximum).  There is also a double indemnity clause which doubles the benefit for accidental death.  At termination of employment, coverage ends and employees are given the information needed to contact The Hartford regarding conversion and portability options.

In addition to the university provided life insurance benefit, supplemental employee life insurance and dependent life insurance are available. 

Disability Insurance Coverage

Short-Term Disability

After one year of full-time employment and after sick leave has been exhausted, eligible employees are paid 75% of their base salary for up to six months.  Employees who accumulate annual leave will use accumulated and unused annual leave to make up the difference between short-term disability payments and full salary.

Long-Term Disability 

Long-term disability is a benefit to employees after they have been employed for one year.  After six (6) months of disability, the policy pays up to 60% of basic annual salary less social security, retirement, workers’ compensation, etc.  Premiums are currently paid by the University.

NMU has partnered with The Hartford to provide long-term disability insurance to employees who work at least thirty (30) hours per week and to faculty who teach twelve (12) or more credited hours in a semester.

» The Hartford Long-Term Disability Plan
» The Hartford value-added services

Additional Information

NMU’s PPO Plan through Blue Cross Blue Shield of Michigan (BCBSM) uses a network of physicians, hospitals, and other health care specialists who have signed agreements with us to accept the approved amount as payment in full for covered services.  When you use PPO network providers, your out-of-pocket costs for covered services are limited to the co-pays and deductibles stated in the summary of benefits. Here’s what you need to do when you need medical care:

  • Choose a provider from the BCBS Provider Directory.
  • Make your appointment directly with that provider.  You can also ask your provider if they are in the PPO Network.

You do not have to choose just one provider for your care and you do not have to notify us if you decide to change physicians.  Just remember to select your provider from the directory and you will stay in-network.  If you would like to verify if a provider is in the BCBS network, please review the Provider Directory or contact BCBS's customer service line at 800-879-1945.

To receive benefits at the in-network level, your care must be received from a Community Blue PPO provider.  You do not need to use Community Blue PPO network provider for the following services, you must, however, follow coverage requirements.

  • Services where there is no network available.
  • Services covered under a separate dental, or vision plan.

Special Note for Parents of Students:  If you have dependents attending school, but living away from home, you should help them choose a Community Blue Preferred PPO physician near their school.  Please refer to the nation-wide provider directory.

Non-Network Providers

When you receive care from a provider who is not part of the Community Blue PPO network, without a referral from a PPO provider, your care is considered out-of-network.

Before choosing a non-network provider, you should verify if the service would be covered.  Some services, such as your preventative care services, are not covered out-of-network.

If you choose to receive services from a non-network provider, you can still limit your out-of-pocket costs if the provider participated in traditional BCBS plans.

If you use BCBS participating providers outside the PPO network:

  • The provider will bill BCBS directly for your services.
  • You will not be billed for any differences between BCBS’s approved amount and the provider charges.

How do I appeal a health plan decision?

BCBS Information 
  • 24 Hour Nurse Line
  • Summary of Benefits Coverage * Effective 1/1/2024
    • All group and individual health plans must provide a uniform summary of benefits and coverage (SBC) to applicants and enrollees. The Affordable Care Act (ACA) requires insurers and health plans to provide consumers with standardized and easy-to-read information about the plan using a common form that is intended to make it easier for consumers to compare plans. The SBC must describe the main features of the plan, including covered benefits along with any limitations or exclusions, cost sharing requirements, and whether it meets minimum essential coverage and value standards. The SBC must also include examples of how the policy or plan would cover care for certain health conditions or scenarios, showing hypothetical costs for consumers and how much the plan would pay.  Finally, the SBC includes uniform definitions of common insurance-related terms. 
  • A Guide to Reading your EOB
  • Your Benefits Guide
  • BCBS Coordinated Care Core Program - Care Management Program

  1. Go Paperless using your Blue Cross Member Account
  2. BCBS Global Core - Coverage Abroad
  3. A Guide to Reading your EOB
  4. How do I appeal a health plan decision?
  5. Blues 365
  6. How to Register at
  7. site FAQ's
  8. Experian Identity Works ID Protection
  9. Experian Identity Works Fact Sheet
  10. Uniform Glossary of Health Coverage and Medical Terms

CVS/Caremark Prescription Coverage Information

Diabetic Benefits

A nonopioid directive helps fight the opioid epidemic by allowing patients to notify health professionals they do not want opioids.  A patient, a person’s legal guardian, or patient advocate can now fill out a State of Michigan Form that directs health professionals and emergency medical services personnel to not administer opioids.  The form should be submitted to the patient's primary care physician and included in the patient’s medical records.

A link to the directive form can be found by visiting  Click on the “Find Help” section and then scroll down to the bottom to "Additional Resources."

The Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, allows you to continue group medical insurance, prescription drug, dental and vision coverage on an individual basis when you or your dependents become ineligible for University benefits.  At that time, the COBRA notice and current rates will be mailed to your, or your dependents losing the health benefits.

Dental coverage is provided through Blue Cross Blue Shield of Michigan (BCBSM)

Vision coverage is provided through EyeMed Vision

Coverage for both:

  • is effective the date of hire.
  • must be applied for within the first 30 days of hire.
  • may be changed if the Human Resources Department (227-2470) is notified within 30 days of a status change.
  • may be applied for or changed during the annual Open Enrollment period in December.
  • coverage will continue for dependent children, if enrolled, to the end of the month in which he/she turns age 26.

Bi-weekly deductions, if any,

  • are based on 26 pay periods,
  • are dependent on the employee group, and the number of family members covered,
  • are subject to change.

Your ID cards will be mailed to your home address usually within a week of enrollment.   

Please visit to learn more about the plan and, if enrolled, access your account information.

If you have questions, please utilize the Live Chat function within your participant portal at or call the HealthEquity team at 866-242-3458.  They are available 24/7.

Employees may purchase term life insurance for their spouses and/or dependent children (through age 26).  Three benefit levels of supplemental dependent life insurance exist, as specified below.

OPTION 1: $10,000 spouse / $5,000 child$.44 bi-weekly
OPTION 2: $15,000 spouse / $10,000 child$.67 bi-weekly
OPTION 3: $20,000 spouse / $10,000 child$.86 bi-weekly
OPTION 4: $50,000 spouse / $10,000 child$2.22 bi-weekly

Supplemental life coverage (employee and dependent) may be elected within 30 days of hire or qualifying change of status.  Additional enrollment options are available during annual enrollment in November of each year.  

Additional life insurance may be purchased and paid through payroll deduction. Additional coverage is available in multiples of your salary from 1/2 up to 5x your salary, subject to a maximum of $1,000,000, with a guaranteed issue amount of $500,000.  Rates are based on your age and are shown below.

Please use this Supplemental Life Calculations spreadsheet to calculate the values available, based on your salary, and their associated bi-weekly premium based on your 5-year age band: 

Age Range<2525-2930-3435-3940-44
Rate (per thousand dollars)$.0323$.0369$.0462$.0508$.0674
Age Range45-4950-5455-5960-6465-6970+
Rate (per thousand dollars)$.0785$.1675$.2077$.3909$.5954$1.068

EXAMPLE: A 42 year old employee with an annual salary of $47,900 elects 3 times their annual base salary in supplemental life insurance.

$47,900 x 3 = $143,700 rounded to the nearest thousand would provide $144,000 in supplemental life insurance.

$.0674 (rate for age range) x 144 (amount of coverage in thousands) = $9.71/bi-weekly

There are some life conversations that no one wants to have - especially when it involves planning for financial matters, insurance needs, making end-of-life decisions or planning for the loss of a loved one.

As part of your life and long-term disability insurance plan with The Hartford, you have access to value-added services, designed to help you and your loved ones make more informed decisions. Services include:

Ability Assist Counseling Services 

Provides access to Master’s- and PhD-degreed clinicians for 24/7 assistance if you’re enrolled in our long term disability plan. This includes 3 face-to-face visits per occurrence per year for emotional concerns and unlimited phone consultations for financial, legal, and work-life concerns.

For more information on Ability Assist® Counseling Services:
Call 1-800-964-3577
Company name: Abili
Company ID: HLF902

Funeral Planning and Concierge Services

Provides a suite of online tools to guide you through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices with local providers—often resulting in significant financial savings.

For more information on Funeral Planning and Concierge Services:
Call 1-866-854-5429
Use Code: HFEVLC

Beneficiary Assist Counseling Services

Offers compassionate expertise to help you or your beneficiaries (those you name in your policy) cope with emotional, financial and legal issues that arise after a loss. Includes unlimited phone contact with a counselor, attorney or financial planner for up to a year, and five face-to-face sessions.

For more information on Beneficiary Assist® Counseling Services, call 1-800-411-7239.

EstateGuidance Will Services

Helps you protect your family’s future by creating a will online—backed by online support from licensed attorneys. Your will is customized and legally binding.

For more information on EstateGuidance® Will Services:

Travel Assistance with ID Theft Protection

Includes pre-trip information to help you feel more secure while traveling. It can also help you with travel emergency transportation services, access medical professionals across the globe for medical assistance when traveling 100+ miles away from home for 90 days or less when unexpected detours arise. The ID theft services are available to you and your family at home or when you travel.

For more information on Travel Assistance Services or ID Theft Services:
Call from United States: 1-800-243-6108
Call collect from other locations: 202-828-5885
Fax: 202-331-1528

You’ll be asked to provide your employer’s name, a phone number where you can be reached, and the nature of the problem.

If you have a serious medical emergency, please obtain emergency medical services first.

Health Champion

Offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and health insurance claims concerns if you’re enrolled in our long term disability plan. Service includes: guidance on health insurance claims and billing support, explanation of benefits, cost estimates and fee negotiation, information related to conditions and available treatments, and support to help prepare for medical visits.

For more information on HealthChampionSM Services
Call 1-800-964-3577
Company name: Abili
Company ID: HLF902

ALICE 211 Essential Community Services

A service of United Way, 211 is available in all U.S. states by simply dialing 2-1-1 or visiting  211 supports the Asset Limited, Income Constrained, Employed (ALICE) population connect with local resources and services.  The top reasons people seek help from 211 are for financial or legal assistance, or for help feeding their families.  Since 211 is available 24 hours a day, 7 days a week, 365 days a year, providing you with resources in your own community, you're sure to find the help you need.  

For more information on ALICE 211
Call 211