The following is an overview of benefits available to Skidmore employees for the calendar year 2025. Historical offerings and prices are available upon request. Open Enrollment is in November. We also encourage all community members to review our ongoing work on healthcare costs.

Employees covered under a union contract should reference the appropriate contract for service and trades unions or the non-tenure track faculty union benefits details.

‌2025 key updates for staff (non-union) and faculty

Medical/Prescription Plans

‌For All Plans (PPO, EPO, HDHP):

• Plan rates increasing by 6%.
• ‌Adding hearing aid coverage at 20% coinsurance every three years at an in-network provider.
• ‌‌Insulin will be covered in full ($0 cost to the member).
• ‌‌Prior authorizations implemented for traditional medication prescriptions.
• ‌Reminder to download MVP's telemedicine and triage Gia virtual care app. 

‌For PPO and EPO Plans: 

• ‌‌Prescription Copays: Retail increasing from $10 Generic/$25 Brand Preferred/$40 Brand Non-Preferred to: $10/$30/$50; Mail increasing $25/$62.50/$100 to $25/$75/$125.
• ‌‌Emergency room copay increasing from $100 to $150 (after deductible is met).

‌For HDHP Plan:

• ‌‌Deductibles increased to $1,650 individual/$3,300 family (federally required); Health Savings Account (HSA) employer contribution increased to $825 individual/$1,650 family.

Dental Plans

• No changes to rates!
• ‌Core plan: Endodontics and periodontics coinsurance decreasing from 20% to 15% to align with basic services offered.

FSA (Flexible Spending Accounts)

• Elections into either FSA (health or dependent care) are required each year — annual elections DO NOT carry over.
• ‌The annual limit for the FSA Healthcare Reimbursement Account is $3,300 and the dependent care limit remains unchanged at $5,000. You can roll over up to $640 from 2024 to 2025 in the healthcare account.‌

Life Insurance

• Increasing the supplemental limit from $250,000 to $400,000 with a guaranteed maximum issue of $250,000; evidence of insurability over $250,000 required.

For Retirees

• UnitedHealthcare Group Medicare Advantage PPO Benefits Summary
• UnitedHealthcare Group Medicare Advantage Annual Notices of Changes
• UnitedHealthcare Group Medicare Advantage Drug List
• UnitedHealthcare Medicare Advantage Inflation Reduction Act Flyer
• UnitedHealthcare Group Medicare Advantage Prescription Payment Plan Flyer
• UnitedHealthcare Group Medicare Advantage Silver Sneakers Flyer