This plan is a limited benefit program offered to help meet federal Affordable Care Act (ACA) requirements. Employees will be sent an offer of coverage to their university email. The employee’s university email will be the primary method of plan communications. You will receive an email from System Human Resources notifying you of your opportunity to enroll.
The plan is available to eligible employees* who are ineligible for the State of Illinois Employees Group Insurance Program (SEGIP) and who average 30 or more hours per week. Eligibility for this plan does not mean employees have met the substantial presence test for tax purposes.
Medical Plan
The plan being offered is Elite Care through Options Plus (plan carrier).
Elite Care + National Value:
- This plan is intended to provide minimum essential coverage (MEC) by covering the preventive services as required by the ACA.
- The minimum essential medical coverage with hospital indemnity is offered at no cost to you for your employee-only coverage.
- It provides an option to purchase minimum coverage for your spouse and/or children who might otherwise have no coverage.
- You MUST use in-network providers to receive benefits under the plan. Go to www.multiplan.com/sbmaspecificservices to find a provider near you.
- Hospital benefits are minimal under this limited medical plan and emergency room coverage is NOT included.
The plan also offers optional Preventative Dental, Comprehensive Dental, and Vision coverage. Dependents may be enrolled in these plans.
This plan is not intended to replace a comprehensive major medical health insurance plan. This coverage alone will not meet the health insurance minimum requirements for a J-1 Visa holder. If you already have other comprehensive health insurance coverage (including through SURS/TRAIL, SEGIP, the University’s Student Health Insurance Program, another employer plan, or a spouse’s/parent’s plan), then you should carefully consider this plan because you may not need this coverage.
Employee Premiums
For eligible employees who are offered and enroll in the medical plan, the University will pay 100% of the monthly premium for your employee-only coverage.
You will be required to pay the full cost for any eligible dependents you wish to enroll, as well as the full cost of the monthly premiums for any dental and/or vision insurance that you elect for yourself or your eligible dependents.
| 2025 Employee Premiums |
| |
Medical Plan |
Dental:
Preventative Only
|
Dental:
Comprehensive |
Vision |
| Employee Only |
$0.00 |
$19.80 |
$44.15 |
$9.95 |
| Employee + Spouse |
$158.00 |
$37.53 |
$88.20 |
$19.90 |
| Employee + Child(ren) |
$145.00 |
$35.28 |
$83.47 |
$20.90 |
| Employee + Family |
$298.00 |
$58.86 |
$134.99 |
$34.85 |
These additional costs cannot be payroll deducted at this time. You will pay online via bank account debit for any additional coverage.
| 2024 Employee Premiums |
| |
Medical Plan |
Dental:
Preventative Only
|
Dental:
Comprehensive |
Vision |
| Employee Only |
$0.00 |
$19.80 |
$44.15 |
$9.95 |
| Employee + Spouse |
$153.00 |
$37.53 |
$88.20 |
$19.90 |
| Employee + Child(ren) |
$140.00 |
$35.28 |
$83.47 |
$20.90 |
| Employee + Family |
$288.00 |
$58.86 |
$134.99 |
$34.85 |
These additional costs cannot be payroll deducted at this time. You will pay online via bank account debit for any additional coverage. For optional/dependent coverages, a $6.00 processing fee will be added to the total monthly premium amount.
Coordination of Benefits with Existing Medical Plans
If you already have a comprehensive major medical plan (i.e., student insurance; State of Illinois Employees Group Insurance Program; SURS/TRAIL; or coverage under a spouse, parent, or other employer plan), then you must carefully consider whether you need this coverage. If you elect coverage, these plans would be primary payers above any other coverage you may have in place. Other plans already in place would provide secondary coverage.
If you already have other coverage and you elect to enroll, then you will have to work with your healthcare provider to determine the claims-filing process. If you already have major medical coverage, please review the details of how that plan pays when it is a secondary payer.
If you are a student who has health insurance coverage through the University’s Student Health Insurance Plan, or under your parent’s or spouse’s plan, then you may not want this coverage. This program is NOT a comparable substitute for the Student Health Insurance Plan.
How do I enroll in this coverage?
For 2024, if experiencing a qualifying event or other changes, contact University Payroll & Benefits.
When you become eligible for the plan, you will receive an email from System Human Resources with a link to complete online enrollment.
Beginning November 14th, the enrollment portal will be closed due to the implementation of a new enrollment vendor. The next opportunity to enroll will be during the Open Enrollment period coming soon.
Where to Go With Questions
Self-service kiosks are available at University Payroll & Benefits (UPB) at:
- UIC - 1st Floor, 809 S. Marshfield Ave, 312-996-7200
- UIS - Room 85, Business Services Building, 217-206-7144
- UIUC - Room 177, Henry Administration Building, 217-265-6363
Contact University Payroll & Benefits.
Employment status or program eligibility
This plan is available to eligible employees* who are NOT eligible for the State of Illinois Employees Group Insurance Program (SEGIP) and who average 30 or more hours per week. Eligibility is reevaluated on your appropriate measurement period, and continued eligibility may be affected by your averaged work hours per week over that time period. If you have questions about your eligibility, please contact your university's central Human Resources office or your university's Student Employment office.
Additional Resources
If you would like a paper copy of plan information, contact SystemHRServices@uillinois.edu or 217-333-2600.
2025
2024
Plan Partners
The ACA program is administered by the following plan partners.
SBMA/Options Plus
- Provider/carrier of the Elitecare + National Value minimum essential medical coverage
- Issues medical plan identification cards
MultiPlan PHCS
Delta Dental
- Provider of optional preventative or comprehensive Dental coverage
VSP
- Provider of optional Vision coverage
* Eligibility for this plan is contingent on continued employment, as well as the university's continued participation in the plan described above. In the event of differences between this information and the official plan policies, the official plan policy documents will govern.