Welcome to Baylor! We’re glad you have decided to join us as a new staff member! An important part of your total compensation package at Baylor is your benefits package. Benefits offered at Baylor include medical insurance, dental plans, flexible spending accounts, retirement plan, paid vacation and holidays, tuition remission benefits and a wide-variety of other perks and services.

Please review the following BEFORE attending W.O.W.:

During your first few days as a Baylor staff member, you will need to make some decisions regarding your insurance benefits package. This primer will explain your choices, and give you some basic information about the various insurance benefits for which you are eligible.

During W.O.W. we have a limited amount of time set aside to further explain your benefits, answer questions, and complete some necessary paperwork. By familiarizing yourself with this information and completing some of the paperwork ahead of time, you will be better able to take full advantage of the time available during W.O.W. Please thoroughly review the following information BEFORE attending W.O.W. Many new staff members find it helpful to share and discuss this information with their family members ahead of time.

Eligibility

All full-time staff (30 or more hours per week) are eligible to participate in Baylor’s insurance benefits programs.

Effective dates

For most full-time staff, insurance products become effective immediately upon employment.

Eligible dependents

The following are considered eligible dependents for the purposes of Baylor’s insurance plans:

• An employee’s spouse

• An employee’s child who is unmarried, not in active military service, and who is either

  • Under 19 years of age,

  • Under 26 years of age, dependent upon the employee for more than one half of his/her support as defined by the Internal Revenue Code of the United States, and does not have another employer insurance available to him or her; or

  • Disabled

Enrollment/Change in status

Tax information

The university provides an Internal Revenue Service (IRS) Code Section 125 plan to allow eligible premiums and out-of-pocket expenses for medical/dental to be paid with before-tax dollars. In other words, in most cases, you will not be taxed on the money you spend on insurance premiums and expenses. There are a few exceptions which will be pointed out in the description of each product.

Pre-existing conditions

Baylor’s medical insurance does have a pre-existing condition clause which restricts coverage of pre-existing conditions for the first 12 months of employment. However, this restriction may be waived if you have had coverage from another insurer for at least the previous 12 months without a 63 day lapse. If you have a pre-existing condition, and you have been covered for the last 12 months, please bring prior insurance coverage information as noted in section 5 of the back of the Enrollment/Change application form with you to W.O.W. (You will have an opportunity to download this form in another section of this insurance preview.)

Insurance products provided by Baylor at no cost to the employee:

The university provides eligible employees the following insurance products at no cost to the employee.

Insurance products in which the employee and Baylor share the cost:

Please review the following information carefully BEFORE attending W.O.W.

During W.O.W., you may submit the paperwork to indicate whether or not you want to enroll in the following products for yourself and/or your family. As a convenience, you may also want to download the appropriate forms as indicated and complete them before attending W.O.W.

Note: Two dental plans are available. During W.O.W. you will have the opportunity to choose the one you prefer.