Section I, below, provides important information on your health and welfare benefits, Section II provides links to the 2013 premium rate charts.

SECTION I: 2013 Benefit Plan Design and Premiums Updates

Medical:   As recently announced by President Liebowitz, the College will not increase the employee share of medical premiums for 2013 and there will be no increase in deductibles, co-insurance, Rx co-pays, or out-of-pocket maximums.  Additionally, the medical benefits will be enhanced for 2013 to cover, at 100%, contraceptives for women as well as comprehensive lactation support and counseling and costs for renting breastfeeding equipment*.  Also included in our plan for 2013 are additional treatment options for male impotence and new coverage for female libido treatment. Details of these plan improvements are included in the 2013 Health & Welfare Summary Plan Description at the link below:

 *If received from a participating provider or pharmacy.  Co-pays will apply for brand name contraceptives drugs if a generic equivalent is available.

Vision:   Employee vision premiums will not be increased for 2013 and the plan design will remain the same.

Dental:  Employee dental premiums will not be increased for 2013 and there will be no dental plan design changes – deductibles, co-insurance, covered services, etc. will remain stable, and we are pleased to enhance the program by the addition of the “Dental GRID” -  a national network of participating providers.  Use of the GRID network is voluntary; benefits to employees of utilizing network providers include provider fee discounts, direct billing for services, and network write-offs of charges in excess of the discounted fee schedule.

Voluntary Life and Accidental Death & Dismemberment (AD&D): The provisions of the Voluntary Life/AD&D plan will remain unchanged for 2013.  Premium rates for supplemental life and AD&D will not increase for 2013. (Please recall, however, that life rates are age-banded; participants who entered a new 5-year age band during 2012 will see premium increases in January 2013.  Also if you turned 70 or 75 in 2012 please note that our plan contract has automatic coverage reductions at those age tiers.)

Flexible Spending Accounts:  For 2013 the maximum allowed contribution in the health care flexible spending account has been reduced, by federal law, to $2,500; the maximum for the dependent care flexible spending account remains at $5,000. The College will continue to pay all administrative fees for participants in the FSA accounts.  When calculating your healthcare FSA contribution please keep in mind that since 2011 federal law does not allow reimbursement for over-the-counter (OTC) medications unless prescribed by a health care provider.  See links on the HR webpage for help in determining whether (or to what extent) to participate in the FSAs:

Other Benefits:  The provisions of the Employee & Family Assistance Program, the Long-Term Disability, Short-Term Disability, and the Core Life and Accidental Death & Dismemberment insurances will remain unchanged for 2013 and the College will continue to pay the full cost of these benefits for all participants.  Your coverage in these benefits is automatic: you are not required to do anything during open enrollment to continue participation.

Open Enrollment

Open enrollment is your opportunity to:

  • Continue your current medical, dental, or vision elections into the new year OR add coverage for yourself and/or dependents OR terminate your own or your dependents’ coverage.
  • Continue your current voluntary life and/or accidental death and dismemberment coverage for the new year OR increase2 or decrease the amount of existing coverage in these plans.
  • Enroll in the health care and/or the dependent care flexible spending account(s) for next year. If you do not make an FSA election, you will not be enrolled for 2013 even if you participated in 2012.

SECTION II: 2013 Premium Rate Chart Links



Required Notices

As a plan sponsor the College is required to periodically provide participants with various notices.  Attached to this email you will find mandated notices regarding: state premium assistance programs for lower-income individuals, the Women’s Health and Cancer Rights Act of 1998, the College’s Notice of HIPAA Privacy Practices, and a notice regarding the College’s certification in the federal Early Retirement Reinsurance Program.   Also attached is a “Summary of Benefits & Coverage”, a notice that has been newly mandated by the Department of Health and Human Services, Department of Labor and the Department of Treasury. All of these notices are provided, as required, for your information; no action is required on your part, except that the information should be shared with any dependents enrolled in our plans.  If you would prefer to have a paper copy of one or more of these notices please contact Human Resources and a copy will be provided to you free of charge.


Middlebury or MIIS employees with benefits-related questions please call Middlebury Human Resources at 802-443-2320.