Benefits

Benefits

Benefits Frequently Asked Questions

Click on a category below to read FAQs.
Medical
Dental
Vision
Adoption Assistance
Flexible Spending Accounts
Retirement
Supplemental Retirement Accounts
Life Insurance
Disability
Leaves
Customer Service


Medical

Who processes our medical plan claims?

Medical claims should be submitted to NGS CoreSource at:
            NGS CoreSource
            P.O. Box 2310
            Mt. Clemens, MI  48046 

Where can I check to see if my doctor is part of OSU's statewide network?

You can search for network plan providers at: www.osuhealthplan.com/Search or by calling OSU Health Plan at 800-678-6269.

When can I change from one medical plan to another?

You may change your medical plan election during Open Enrollment.

When will I receive a medical plan identification card?

After you have completed the medical plan enrollment process with the Office of Human Resources a medical/prescription drug identification card will be mailed to your home address from NGS American. You should expect to receive your card approximately three weeks after you enroll. To request additional identification cards, go to the NGS Self Service site or call NGS at 800-521-1555.  

Medical card Image.  Click here to get  larger image.

 

 

 

 

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Dental

Who is our Dental benefit vendor?
Delta Dental of Ohio is The Ohio State University's dental provider. Delta Dental provides in-network coverage through DeltaPremier. The OSU Student Dental Clinic is in the DeltaPremier network. You can find an in-network dentist online at www.toolkitsonline.com

What is the member ID for my (and my dependents) coverage?
Previously, your Social Security number was the only means to identify you as a Delta Dental enrollee. Delta Dental's systems allow an alternate means of identification. The OSU Employee ID is to be utilized for this purpose since it is a number with which you should already be familiar.

Delta Dental's system requires a 9-digit alternative identification number for eligibility and claims processing; therefore, if you have a:

  • 8-digit OSU Employee ID – your Delta Dental ID is your Employee ID with a leading zero added to it.
  • 9-digit OSU Employee ID – your Delta Dental ID is your Employee ID with no changes.

Will I receive a dental plan card in the mail?
Dental cards are not required for services and are not mailed to subscribers. However, if you prefer to have a dental card for services, you can print one on Delta Dental's web site at www.toolkitsonline.com.

How many routine cleanings are we eligible for in a plan year?
Each enrolled member and their dependents may have two regular cleanings and exams in the plan year. Two additional cleanings will be covered when medically necessary. (Two additional cleanings per benefit year are considered medically necessary for individuals with at-risk conditions such as documented periodontal disease, diabetes, kidney failure, organ or bone marrow transplant recipient, and for individuals receiving dialysis, chemotherapy, radiation treatment, or are HIV positive.)

How are other services paid?
Coverage is dependent on the service provider and what dental service is required by the patient. Please refer to the Dental Plan Benefits Summary and the Dental Plan Summary Plan Description for details.

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Vision

Who is our Vision Plan Vendor?
Vision Service Plan (VSP) is The Ohio State University's Vision Plan vendor.

The VSP web site offers members the opportunity to manage their vision plan benefit through a secure, online account. Members may view vision benefit eligibility for the current plan year, locate network eye doctors and view their member history.

You can create your account at www.vsp.com. Click “see your personal benefit information.” Follow the on-screen prompts to complete your registration.

Will I receive a vision plan card?
You will not receive a vision plan card in the mail. Tell your provider that you have the Vision Service Plan. Visit the VSP website at www.vsp.com to register for an account and log in. There you can print a “Member Reference Card” if you prefer to have one, but it's not necessary when seeing a network eye doctor.

Who will have access to my online account?
The primary cardholder is responsible for managing the account for him/her as well as for all covered dependents.

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Adoption Assistance

What is the Adoption Assistance Program?
The university reimburses up to $5,000 per child for eligible adoption related expenses upon placement of a minor child in your home.

What if my spouse/partner also is an employee at Ohio State? Are there dual benefits?
No, the maximum benefit per adopted child is $5,000.

Can I add (enroll) my adopted child to my health benefits?
Yes, upon placement of a child in your home or the finalization of the adoption, you may add the child to your university benefit plans. You should enroll within 31 days of the final adoption date. After you have enrolled your eligible dependents, a dependent verification packet from ACS HR Solutions will be mailed to your home address. All health plan members must provide proof of each covered dependent's eligibility. Required documentation will include applicable information from recent federal tax return, copies of birth certificates, marriage certificates, affidavits of same-sex domestic partnership or sponsored dependency, proof of joint ownership, etc. Failure to provide required documentation will result in coverage termination for the dependent(s) not certified.

How do I request reimbursement for my adoption expenses?
You will need to complete an Adoption Assistance Reimbursement Request Form with proof of expenses and a copy of the adoption placement certificate or final adoption decree. If you have adoption paperwork in another language, it must be translated to English before you submit it to our office for reimbursement. This is a taxable benefit – consult your tax advisor with any questions.

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Flexible Spending Accounts

What is a Flexible Spending Account?
A flexible spending account (FSA) allows you to reimburse yourself (with your own money) for eligible Health Care and/or Dependent Care expenses – tax free. By participating in these accounts, you do not pay federal, state, or city taxes on the money you contribute. Participation is voluntary and employees must sign up during open enrollment. Ohio State's FSA are administered by TASC.

There are two types of Flexible Spending Accounts you may elect:

Health Care Flexible Spending Account (HC FSA) – used to reimburse you for out-of-pocket health care expenses, including prescription medications for you and your eligible dependents. A full list of eligible and ineligible expenses is available at hr.osu.edu/MyFSA.

Dependent Care Flexible Spending Account (DC FSA) – used to reimburse you for out-of pocket expenses for dependent care expenses, whether for a child or an elder. This includes expenses for someone else to care for your dependent (under the age of 13 for dependent children) so you may work. 

Examples of potentially eligible DC-FSA expenses include:

  • Daycare services
  • In-home care
  • Nursery and preschool and
  • Summer day camps
  • For a full listing of DC-FSA eligible expenses, please read IRS Publication 503.

How do I access my account?

For information on filing a claim, reimbursement, and managing your account please access these FAQs.


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Supplemental Retirement Accounts

What is a Supplemental Retirement Plan?
A Supplemental Retirement account (SRA) allows you the opportunity to contribute to an additional retirement account. There are two types of SRAs—Deferred Compensation Programs (457(b) plans) and Tax-Deferred Accounts 403(b) and 403(b)7 plans. SRAs allow you to enhance your mandatory retirement plan savings through voluntary pre-tax contributions.

When can I change my SRA elections?
You may change your SRA contribution amount and/or your SRA provider at any time.. Your existing SRA account balance may remain with your previous provider, or any portion may be transferred to the new provider. (Applicable transfer fees may apply).

What are catch-up amounts?
Under certain circumstances, you may qualify through either SRA plan for the “catch up” contribution provision. Catch-up contributions are amounts you may contribute in excess of the annual plan contribution limits. If you have already contributed the maximum amount(s) under the plan(s) and you are at least age 50, you may make additional contributions, which are limited based on federal guidelines.
Your SRA provider will calculate and inform you of your maximum contribution level, including catch-up contributions, based on federal guidelines for the applicable calendar year

What investment options are offered for the SRA?
Each provider offers a variety of options in which you may elect to invest your contributions. You assume the investment risk; all earnings and losses accrue to your account. You assume the cost for any management fees associated with your investments, which may vary from provider to provider.

Can I have access to my SRA while employed at Ohio State?
Contact your provider for information on the availability of your funds while actively employed and after termination or retirement. There are important tax issues associated with how and when you receive your benefits. Consult with your tax advisor or SRA provider for additional information.

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Life Insurance

How is a life insurance claim filed?
Death of an Employee | Death of a Dependent

How do I apply for Group Term Life Insurance (GTLI)?
No application is required for enrollment in Ohio State's GTLI; however, you must designate your beneficiary.

How will the GTLI benefit affect my taxes?
Under section 79 of the Internal Revenue Code, the university is required to report the imputed cost of any employer-provided life insurance benefit that exceeds $50,000. You can waive all life insurance coverage that exceeds $50,000 by completing a Waiver of Entitlement form. Consult your tax advisor for more information.

How do I change my GTLI beneficiary designation? 
You may change your beneficiaries anytime.

How can I request coverage for Dependent Group Term Life Insurance (DGTLI) or Voluntary Group Term Life Insurance (VGTLI)?
You may request coverage at anytime. Coverage may be subject to Evidence of Insurability (EOI) and is effective upon approval by Minnesota Life.

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Disability

How do I sign up for Short Term Disability (STD)?
You may enroll in STD within 31 days of employment or an eligible status change. Otherwise, you may apply at any time by providing a completed medical Evidence of Insurability form. The decision is made by Unum.

How will the STD benefit affect my taxes?
The premiums for STD are deducted from your pay on an after-tax basis. However, if you receive STD benefit payments, it may be taxable income. Consult your tax advisor if you have questions.

When can I cancel my enrollment in STD?
You may cancel your enrollment in STD during an open enrollment period which will be effective on January 1 of the new plan year.

You may also cancel your enrollment in STD due to an eligible status change. You must change your enrollment within 31 days of the qualifying life event. Birth of a child is not considered a qualifying life event for purposes of dropping STD coverage.

Who do I contact about disability claims?
Contact Unum to file your LTD/STD claim.

Integrated Absence Management and Vocational Services (apply for disability benefits)

Unum (claim approval)

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Leaves

How do I continue my benefits while on a leave?
To continue your benefits while on a leave of absence, either paid or unpaid, you should review the Continuing Benefits While on Leave  and complete the Benefit Continuation on Unpaid Leave form in the back of this booklet and return it to the Office of Human Resources. You should also complete the Application for Leave, which should be returned to your supervisor.

How much will I pay to continue my benefits while on an unpaid leave of absence?
Biweekly benefit funding rates

Monthly benefit funding rates

How do I apply for leave?
Complete and submit an Application for Leave to your supervisor for approval. You can view your leave balances online at www.epayroll.com or contact your departmental human resource contact.

Where can I obtain additional information?
Your questions regarding types of leaves or your eligibility for leave can be answered by:

Visiting the Leaves Program page  or contacting your Labor/Employee Relations consultant, who you can locate by visiting hr.osu.edu/dir or calling 614-292-2800 or 800-678-6010.

Your questions regarding benefits while on leave can be answered by:

Visiting the Benefits Leaves page or contacting the Office of Human Resources Customer Service Center at service@hr.osu.edu, 614-292-1050, 800-678-6010, or Fax: 614-292-6235.

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