Health Insurance

The RF Health Care plan provides hospital, medical and prescription drug benefits for regular and postdoctoral employees and their eligible dependents. The plan features two Empire Blue Cross Preferred Provider Organization (PPO) Plans as well as a selection of Health Maintenance Organizations (HMOs) that are available based on your location.   Postdoctoral classified employees are also eligible to participate in a PPO Plan through UMR. If you enroll in either PPO, Empire Blue Cross will provide you with a benefits handbook, and your prescription drug benefits will be provided by Express Scripts.  If you enroll in an HMO, you will receive an HMO handbook and a certificate of coverage.

The Health Insurance Portability and Accountability Act (HIPAA) protects the privacy of your "protected health information" (PHI). Please refer to "Your Privacy Rights Under HIPAA" in the Benefits Handbook or Postdoctoral Benefits Handbook.

The member handbook and certificate of coverage for the health plan you choose, along with your RF Benefits Handbook or RF Postdoctoral Benefits Handbook, constitute the ERISA Summary Plan Description (SPD).

The RF also provides to all health plan participants a medical decision support service called Consumer Medical. This service provides the latest information and support for any health condition so that you can be better informed when you talk with your doctor.  Read more (login required).

About the HMOs Coordinating Your Benefits International Travel Assistance

About the Empire PPO

Enrollment Medicare Eligible Employees
Changing Your Coverage HMO/PPO Contacts
Using Health Benefits

Continuing Your Benefits

How You and the RF Share the Cost

When Coverage Begins

About the UMR PPO- Postdoctoral Employees Only

Health Insurance



Contact your campus benefits office for more information.

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