Health Benefits | Coppin State University

Health Benefits

Health Benefits

Benefits are elected at the time of hire and remain in effect throughout the calendar year unless there is a qualifying event (such as marriage, divorce, birth, or adoption) during the plan year. Changes to benefits can also be made during the annual fall open enrollment, becoming effective January 1 of the following year. 

Through SPS Workday, employees are able to log-in securely and change/view their benefits, dependents, and beneficiaries.  Please visit the SPS Workday page for information and instructions on managing your benefit coverages.

Medical Plans

Eligible employees may choose from three medical plans:

Premium costs vary by provider and level of coverage:

Additional coverage information is provided in the Health Benefits Guide and on the Department of Budget and Management's website.

Wellness Plan Activities: Employees, non-Medicare eligible retirees and spouses who are enrolled in a medical plan are eligible to participate in the Wellness Plan Activities Program. Once you and/or your enrolled spouse complete the wellness activities, visits to your PCP co-pays are free and reduced for specialist visits until the end of the calendar year! For more information, view the Wellness Program webpage

Prescription Drug Plan: Comprehensive prescription drug benefits are available to all eligible individuals. Premium costs are determined by level of coverage selected. Each prescription is subject to a co-pay.

Dental Care Program: Dental coverage is available to all individuals who are eligible for health benefits with the state. You can enroll in one of the two dental plans offered if you want to have dental benefits: United Concordia DPPO and Delta Dental DHMO. Premium costs are determined by level and type of coverage selected.

Vision Benefits: Vision benefits are only available to all individuals enrolled in a State medical plan. Your medical plan will provide you with additional information on how to obtain services, claim forms, etc.

Term Life Insurance: This benefit is available through MetLife for all eligible individuals. Coverage is available in amounts varying from $10,000 to $300,000. Premiums on the first $50,000 are eligible for pre-tax treatment for full-time regular employees.

Personal Accident & Dismemberment: This benefit is available through Metlife for all eligible active status employees and their dependents. It provides both accidental death and dismemberment for accidents that occur on or off the job. Up to $300,000 in protection can be purchased for employees and their dependents.

Health Care Spending Account: Permits employees to set aside up to $2,550 annually of pre-tax pay and then be reimbursed for expenses associated health care. Reimbursement forms are available on http://www.MD.padmin.com/or you may choose the payment card option.

Day Care Spending Account: Allows employees to set aside up to $5,000 of pre-tax pay annually and then be reimbursed for expenses associated with the care of dependents. Reimbursement forms are available on http://www.MD.padmin.com/ or you may choose the payment card option.

UNUM Benefits

Many Health options are available. The following benefits are available through UNUM. Packets containing information about each can be obtained from the Office of Human Resources.

Group Life Insurance: Coverage is available for both employees and their dependents. Levels of coverage range from $10,000 to $750,000, not to exceed six times the employee's annual salary.

Long Term Disability Insurance: Provide benefits equal to 60 percent of salary up to $8,000 per month beginning 90 or 365 days after total or partial disability.

The Wellness Plan: Provides several important benefits. First, it helps you and your enrolled spouse work with your medical providers to get and/or stay healthy. Second, it saves you money on your healthcare. Third, it will save money for the State in the long term by focusing our healthcare dollars on prevention. It’s your choice whether or not to participate, but there are advantages to doing so.