Health Benefits

Make sure you’re aware of the medical coverage options available through Human Resources! We offer medical plan options, coverage tiers, as well as dental and vision options for faculty and staff. Make use of the benefits resources we have in place for employees at Kennesaw State University to make sure you’re covered!

ksu employee attending event

Medical

Medical Plan Options

Please visit the USG Medical Options Page to view:

  • Medical plan options
  • Plan comparison guide
  • How to search for a BCBS Open Access POS Provider
  • Benefits Summaries and Plan Documents
  • Pharmacy Information

Medical Coverage Tiers

  1. Employee Only – Only you are covered.
  2. Employee + Child(ren) – This covers you and your child(ren) are covered, but not your spouse.
  3. Employee + Spouse – This covers you and your spouse, but not your children.
  4. Family – You, your spouse and all dependent children are covered.

Medical Plan Resources

Kaiser Customer Service Number:  404-261-2590
Kaiser Group Number:  0852-02

Anthem BCBS Customer Service Number:  1-800-424-8950
Anthem BCBS Group Numbers:
Comprehensive Care: BOR430-M104 
Consumer Choice HSA: BOR430-M112
BlueChoice HMO: BOR430-M116

Dental and Vision Options

Dental Plan Options

Please visit the USG Dental Options Page to view:

  • Dental plan options
  • Price comparison charts
  • How to search for a Delta Dental Provider
  • Benefits Summaries and Plan Documents 

Delta Dental Customer Service: 1-800-471-4214
www.deltadentalins.com/usg
Group Number: GA16711-11082

Vision Plan Options

Please visit the USG Vision Plan Page to view:

  • EyeMed plan details
  • How to search for an EyeMed Provider
  • Benefits Summaries and Plan Documents
     

    Vision ID Card
  • After you enroll in the plan, you will receive a Vision ID Card within 3-4 weeks. If you do not receive a Vision ID Card, call EyeMed Customer Service at 1-866-800-5457 to request a new card(s). 
     
    EyeMed Customer Service: 1-866-800-5457
    www.eyemed.com
    Group Number: 9888546

Life Insurance Plan Options

Please visit the USG Life Insurance and AD&D Page to view:

  • Benefits Summaries and Plan Documents
  • Evidence of Insurability Process
  • Travel Assistance
  • Legacy Planning Services
  • Beneficiary Financial Services
  • Legal Services 
  • Kennesaw State University provides $25,000 in Basic Life and AD&D Coverage to benefitted employees.

  • In addition to the KSU paid $25,000 Basic Life and $25,000 AD&D insurance, you may elect optional  additional life insurance on yourself and/or your dependents.

    • Employee Supplemental life insurance - You can buy additional life insurance coverage from one to eight times your salary, up to a maximum of $2.5 million. The lesser of 3x your annual salary or $500,000 is guaranteed without you providing any Evidence of Insurability (EOI).
       
    • Spouse Supplemental life insurance - Spouse coverage options range from $10,000 to $500,000. EOI is required for all requests for spouse coverage during Open Enrollment.
      If you and your spouse are USG employees, you may not have spouse life coverage.
       
    • Child(ren) Supplemental life insurance - Coverage available in $5,000, $10,000 and $15,000. No EOI is required. Dependent children from age 19 to 26 do not have to be full-time students for coverage. If you and your spouse are USG employees, only one of you may cover your dependent children.
      Child Life - $.50 per month for $5,000, $1.00 per month for $10,000 and $1.50 per month for $15,000 in coverage for all eligible child dependents.
  • AD&D Insurance will pay benefits if you suffer a loss (death or dismemberment) as a result of an accident). The AD&D plan also covers medical evacuation and repatriation and rehabilitation expenses, if deemed necessary under a covered loss. This insurance is not intended as a replacement for your life insurance policy but instead is a low cost supplemental policy. You can buy additional voluntary AD&D insurance in amounts of $10,000 to $500,000. Coverage is for you only or you and your family.
  • You must designate a beneficiary for your Life and AD&D coverage when you enroll in benefits on-line through the OneUSG Portal. Your beneficiary is the person or persons who will receive benefits in the event of your death. You may change your beneficiaries at any time through the ADP Self Service portal. You are the beneficiary for the Spouse and Child(ren) life insurance.

Questions?
For more information, contact MetLife at 1-800-438-6388 or www.metlife.com

Healthcare Options for GRAs

The University System of Georgia now offers a healthcare coverage option for graduate students employed as Graduate Research Assistants (GRAs).  GRAs are eligible for this medical plan during any semester in which they are receiving compensation via payroll for duties associated with their GRA contract.  This option would be in addition to existing options offered for all graduate students.  GRAs are encouraged to carefully compare the differences in the student health plan and the new GRA health plan as there are difference in both the premiums, coverage tiers, and covered expenses vs. out-of-pocket costs.  Additionally, please note the premium surcharge required for tobacco users.

Enrollment is required during the 30 day eligibility window, which begins at the start of the GRA employment contract.  Consecutive GRA contracts do not open additional eligibility windows; however, coverage can be added during the course of GRA employment if elected within 30 days of an applicable family status change.

COMPARISON OF THE SHIP AND THE GRA PLAN

Things to Know

  • Benefits are effective 1/1/2021
  • Tobacco certification is required if the GRA enrolls in a healthcare plan. Working spouse does not apply for the GRA Healthcare plan since spouses are not eligible for the plan.

Frequently Asked Questions

  • No, GRAs are encouraged to carefully compare the benefits between the student plan and the GRA plan in order to choose the plan that is best form them. The premium is lower for the GRA plan; however, there are significant differences in the coverage levels at the point of service.
  • During your initial eligibility period, GRA medical coverage will begin the first of the month following the date you elect coverage.  GRA medical coverage elected during the annual open enrollment period will be effective retroactively to January 1 of that year.
  • A deductible is the amount of money that the covered member must pay out of pocket for medical services before the plan will pay any benefits to the provider on behalf of the member. For more information, visit the University System of Georgia GRA Medical webpage.
  • Medical coverage associated with employment ends on the last day of the month when employment in an eligible position ends. (Fall - August to December; Spring - January to May; Summer - June to July)
  • Yes, under COBRA coverage is available but the cost increases to the full premium rate, including both employee and employer premium costs. COBRA coverage can be continued for up to 18 months as long as premiums are remitted in a timely manner.
  • No.
  • No. Only you and your dependent children qualify for coverage.
  • If coverage was not elected during the initial eligibility period due to having other coverage, it could be elected if documentation of the lost coverage is provided to HR within 30 days of losing the coverage.

Additional questions can be directed to benefits@kennesaw.edu. For questions regarding the Mandatory Student Health Insurance plan, please contact the Bursar's Office.

Consolidated Omnibus Budget Reconciliation Act

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). This act requires most employers with group health plans to offer employees the opportunity to continue temporarily their group health care coverage under their employer’s plan if their coverage otherwise would cease due to termination, layoff, or other changes in employment status (referred to as “qualifying events”).

Initial Notice

Upon hire with Kennesaw State University, you will receive an INITIAL/GENERAL NOTICE OF CONTINUATION COVERAGE RIGHTS UNDER COBRA letter in the mail from ADP COBRA Services.  This letter will notify you of your rights under COBRA should you or your dependent(s) lose coverage under the health plans due to loss or eligibility or termination of employment.

How to Enroll

When you or your dependent(s) lose coverage under the plans, you will receive a COBRA packet in the mail from OneUSG Connect Benefits. This package will include all of the information you will need to make a decision regarding continuing your health coverages under COBRA and an enrollment form to make your COBRA enrollment elections. For questions, please contact OneUSG Connect Benefits at 1-844-587-4236 (844-5USGBEN).