Healthcare Benefits

Are You Eligible?

Employees that work at least 30 hours in a regular full-time position are eligible to apply for benefits.

Eligible employees may add dependents to their benefits plan.

Benefits Coverage Period

Benefits coverage begins on the 1st of the month following date of hire, or the same day if hired on the 1st of the month. Coverage ends on the last day of the month following termination, or the same day if terminated on the last day of the month. 

Medical and Prescription Plan Options

Prescription drug benefits are included in your medical plan election for all plans. The cost of the prescription drug plan is included with the medical premium. You do not need and are not able to elect prescription plans separately. Prescription benefits will be administered through Cigna's prescription partner, Express Scripts.

 For information on quantity limits, step therapy, and/or pre-certification requirements for certain prescription drugs, please visit the Cigna website.

Plus and Core

The Plus and Core plans offer a range of physicians and facilities. Copayment, coinsurance, and deductibles (for certain services) are available for in-network preferred providers. Deductibles and coinsurance are available for out-network non-preferred providers. No referrals are required for the PLUS and CORE Plans. Certain preventive care, such as annual exams, well-baby care, and certain screenings are available with no cost sharing.

EPO Plan

The EPO Plan provides a managed network of physicians and facilities in which all care services must be rendered. A primary care physician (PCP) coordinates healthcare. No coinsurance, claim forms, or physical referrals are required. Certain preventative care, such as annual exams, well-baby care, and certain screenings are covered with no cost sharing.

HDHP with a Health Savings Account (HDHP) Plan

The HDHP has an annual deductible applicable to all services, except preventive care, before the plan pays 70% of eligible facility and prescription drug charges. Office visits and emergency room visits are subject to a co-payment after the deductible is satisfied. If you have family coverage, you must meet the family deductible before benefits are payable.

Dental Plan Options

PPO Plan

The PPO dental plan allows you to use any dental provider, however, you will receive greater benefits (less out-of-pocket costs) when a participating dentist performs covered dental services. In the PPO plan, you have the choice to use a dental provider outside the network but your out-of-pocket cost will be less if you use a preferred provider in Delta Dental’s PPO or Premier networks. Delta Dental PPO providers offer deeper discounts than Delta Dental Premier providers. Claim forms are not required when utilizing in-network providers. Network participating providers accept negotiated rates which reduce your claim costs and out of pocket expenses. If you choose a non-network dentist, the plan will reimburse you a percentage of the allowable charge.

DHMO Plan

The DMO plan requires that you visit participating DMO providers in order to be covered. You are required, as a DHMO/DMO member, to select a Primary Care Dentist (PCD) from participating dentists in the DMO network. You must use your selected PCD for all dental services or obtain a referral from your PCD to obtain services from a specialist. The amount you pay for services rendered is based on the plan’s benefit fee schedule. Orthodontia coverage is offered for adults and children according to the plan’s fee schedule. Please contact Delta Dental for more information.

Vision Plan

Stevens provides employees with an opportunity to enroll in VSP Vision Care, one of the nation’s largest providers of eye care coverage. VSP’s network consists of private practice doctors as well as certain retail chain locations. VSP provides you with access to affordable, quality vision care coverage and allows you to receive a complete eye examination and materials (if needed). You can choose to receive care from a participating doctor (in-network) or from any non-participating doctor of your choosing (out-of-network).

This benefit is 100% employee-paid.

Carrier Contacts

Once your coverage is active, you can register for access to the insurance carrier's member portal. This allows you to view information about your coverage, including search tools to find in-network providers and a downloadable digital copy of your ID card. Please see below for direct links to these member portals, which are also included in the 2025 Benefits Guidebook.