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College Health Enterprises

2025 Benefits 

Scroll down to learn more about your benefit options

 

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Your 2025 Benefit Options

We are committed to offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below. 

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Medical ▼

Administered by Kaiser

We will be offering 2 different plans under Kaiser:

  • Traditional High Plan HMO
  • Deductible Low Plan HMO

Medical Plan SBCs:

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Short-Term Disability ▼

Administered by MetLife

Short-Term Disability insurance provides income protection should you experience a non-work related illness or injury. All benefits eligible employees have access to purchase Voluntary Short-Term Disability insurance through MetLife. 

Short Term Disability
Monthly Benefit Amount 25% of your annual salary, not to exceed $3,000 per month
Sickness Elimination Period 14 days
Accident Elimination Period 14 days
Max Coverage Period 12 months

Click here for instructions on how to file a claim.

Learn More 

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Dental ▼

Administered by Anthem

With Anthem, you'll have a choice of two comprehensive plans: 

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Long-Term Disability ▼

Administered by The Hartford

Long-Term Disability insurance provides income protection should you experience a non-work-related illness or injury. All benefits-eligible employees have access to purchase Voluntary Long-Term Disability insurance through Reliance Standard. 

Long-Term Disability
Benefit Percentage & Maximum 60% of your weekly salary, limited to $7,500 per month
Elimination Period 365 days
Benefit Duration
  • Disabled before: Age 63
  • Benefit duration: As long as you are disabled
  • Benefit duration maximum: The greater of your Social Security
  • Normal Retirement Age or 3.5 years

Learn More 

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Vision ▼

Administered by Anthem

Vision Insurance features coverage for exams, prescription glasses, and contact lenses, as well as other items like Laser Vision Correction. You are free to choose an out-of-network doctor but will receive significant discounts with an in-network provider. 

Click here to learn more!

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Accident Insurance▼

Administered by MetLife

Accident Insurance can help you cover the extra costs that can occur when you, your spouse or your children suffer a covered injury. 

Learn More 

Accident Summary Flyer

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Universal Life with Long Term Care ▼

Administered by Trustmark

Universal Life Insurance with Long Term Care through Trustmark provides lifelong protection with flexible premiums. This plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. This coverage also offers you living benefits should you need Long Term Care after becoming chronically ill and confined to a nursing or assisted living facility, or if you need to receive home health or adult day care.

The unique feature of Universal Life Insurance is that you build cash value with a guaranteed interest rate of 3% which may allow your premiums to remain level throughout the life of the contract.

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Hospital Indemnity Insurance ▼

Administered by MetLife

With MetLife, you’ll have a choice of two comprehensive plans (called the “Low Plan” and the “High Plan”) which provide lump sum cash payments in addition to any other payments you may receive from your medical plan. View flyer for some of the covered benefits/services, when an accident or illness puts you in the hospital.

Learn More 

Hospital Indemenity Insurance Summary Flyer

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Genomic Life ▼

A new and innovative, high touch support program designed to provide an individual and their family with genetic testing that indicates whether you are predisposed to cancer, dedicated resources, and the technology needed to effectively navigate cancer while improving chances of survival. This benefit also includes a dedicated Cancer Guardian support specialist to collect pertinent information needed to source and access financial assistance due to COVID-19.

Some features of Cancer Guardian include:

  • Hereditary Screening Test
  • Comprehensive Genomic (DNA) Profiling
  • Cancer Guardian Support Line
  • Dedicated Nurse Case Manager
  • Medical Records Storage & Transmission Platform

Download Cancer Guardian Registration Instructions

Download Cancer Guardian Brochure

Download Cancer Guardian Flyer

Download Cancer Guardian Member Journey

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Critical Illness Insurance ▼

Administered by MetLife

No one saves to get sick, which is why a diagnosis of a covered condition can be especially draining, both emotionally and financially. Critical Illness Insurance protects your family and your assets. 

The policy provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition.

Learn More 

Critical Illness Summary Flyer

Don't Miss Out!

Your new hire enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event.

What is a qualifying life event?

Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, and Vision. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.

Qualifying life events include:

  • Change in legal marital status, including marriage, divorce, death of a spouse, legal separation, or annulment
  • Change in number of children, including birth, adoption, placement of adoption, or death of a child
  • Change in employment status of employee, spouse, or dependent, including termination or commencement of employment, commencement or return from unpaid leave of absence
  • Change in dependent eligibility status, including attainment of age, student status, or any similar circumstance

The change to your benefit elections must be consistent with the qualifying life event. You have 30 days from the qualifying life event to request your enrollment change.