Medical, Dental, Vision & Retirement Benefits

Provider: Blue Cross/Blue Shield

Website: www.bcbsil.com 

Customer Service: 1-800-458-6024

Plan Highlights:

For PPO:

• $1,000 in-network deductible per person/year.
• $2,000 out-of-network deductible per person/year.
• Co-insurance employee responsibility — 20% for in-network services, 20% for out-of-network services.
• In-network, out-of-pocket maximum after deductible $3,000 single and $5,000 family.

For HDHP:

• $2,000 in-network deductible per family/year.
• $6,000 out-of-network deductible per person/year.
• Co-insurance employee responsibility — 0% for in-network services, 40% for out-of-network services.
• In-network, out-of-pocket maximum after deductible $2,000 single and $7,000 family.

Prescriptions:

• PPO: Retail Pharmacy (30-day supply) 30% coinsurance to a maximum of $100. Deductible does not apply. Mail order (90-day supply) 30% to a maximum of $200. Deductible does not apply.
• HDHP: Retail Pharmacy (30-day supply) 20% in-network and 40% out-of-network after deductible. Mail order (90-day supply) 20% in-network and 40% out-of-network after deductible.

More information on Kish Medical Insurance can be found on the HR SharePoint website. 

Provider: Delta Vision

Website: deltadentalil.com/deltavision

Customer Service: 866-723-0513

Plan Highlights

• Exam (once every 12 months) $10 copay in-network, $35 allowance out-of-network reimbursement
• Lenses (once every 12 months)
  • Single: In-network $25 copay, then 100%. $25 out-of-network allowance
  • Bifocal: In-network $25 copay, then 100%. $20 out-of-network allowance
  • Trifocal: In-network $25 copay, then 100%. $55 out-of-network allowance
• Frames (once every 24 months)
  • In-network $130 allowance, 20% off balance over $130. $65 out-of-network allowance
• Contact Lenses (once every 12 months; instead of prescription glasses)
  • In-network $0 copay; $100 allowance, 15% off balance over $100. $80 out-of-network allowance

More information on Kish Vision Insurance can be found on the HR SharePoint website. 

Provider: Delta Dental PPO

Website: www.deltadentalil.com 

Customer Service: 800-323-1743

Plan Highlights:

• In-network and out-of-network deductibles of $100 individual and $300 family.
• In-network and out-of-network Annual benefit Maximum of $2,500.

Covered Services:

• Preventive Services: In-network and out-of-network 100% covered (routine exams, cleanings, x-rays).
• Basic Services: In-network and out-of-network 80% covered (fillings, non-surgical period, simple extractions).
• Major Services: In-network and out-of-network 50% covered (crowns, inlays, implants, bridges).

More information on Kish Dental Insurance can be found on the HR SharePoint website. 

Provider: UMB

Website: www.umb.com/hsa 

Customer Service: 866-520-4472

Plan Highlights:

The Health Savings Account allows you to redirect a portion of your earnings (pre-tax) to pay for qualified medical expenses that may or may not be covered under your insurance program. The total amount of your annual election is available upfront, reducing your chance of incurring a large out-of-pocket expense early in the plan year. 

Employees selecting the HDHP Medical Plan are eligible for HSA enrollment. Kish provides an employer contribution to HSA members. New employees enrolling after Jan. 1, 2024, will receive a prorated deposit based on the first full month enrolled in the HSA/HDHP medical plan. See employer contribution below:

• Employee only: $1,000
• Employee +1: $3,000
• Family Coverage: $3,500

More information on Kish's HSA can be found on the HR SharePoint website. 

Provider: Employee Benefits Corporation

Website: www.ebcflex.com 

Customer Service: 1-800-346-2126

Plan Highlights: 

The Flexible Spending Account allows you to redirect a portion of your earnings (pre-tax) to pay for medical expenses that may or may not be covered under your insurance program (or your spouse’s). You can also pay for dependent health care, even if you choose single (vs. family) coverage. The total amount of your annual election is available upfront, reducing your chance of incurring a large out-of-pocket expense early in the plan year. 

Employees selecting the PPO Medical Plan are eligible for FSA enrollment.

More information on Kish's FSA can be found on the HR SharePoint website. 

Provider: Reliance Standard

Website: www.reliancestandard.com 

Customer Service: 1-800-351-7500

Plan Highlights: 

Benefit-eligible employees receive $50,000 employer-paid Group Term Life Insurance coverage with no tax implications. Employees may elect a higher employer-paid Group Term Life Insurance in the amount of 1.5x their base salary in lieu of the $50,000 with employee-paid tax implications.

Supplemental Life AD&D Insurance is available for employees, spouses and dependents. Benefits cannot exceed 7x the annual salary or $750,000, whichever is less.

Provider: TCG Administrators

Website: www.tcgservices.com 

Customer Service: 1-800-943-9179

Plan Highlights: 

To help you prepare for the future, Kishwaukee College sponsors a 403(b) plan as part of its benefits package. The 403(b) program is the public sector's version of a 401(k). This is a retirement savings plan allowing eligible participants to make tax-advantaged contributions to an investment account from their paycheck. As a full- or part-time employee, you may start participating in this plan at any time.

Approved Vendor List:

• American Funds Distributors
• Aspire Financial
• Fidelity Security Life Insurance
• Old National*
• Met Life Insurance Co.
• Invesco
• Putnam Investments
• The Vanguard Group
• Thrivent Investment Management
• AIG Retirement Services (VALIC)

*ROTH Selection Available

Provider: Illinois State Universities Retirement System (SURS)

Website: www.surs.org

Customer Service: 800-275-7877

Plan Highlights:

To help you prepare for the future, Kishwaukee College sponsors a 457(b) plan through SURS as part of its benefits package. The 457(b) plan is a retirement savings plan that allows eligible participants to make tax-advantaged contributions to an investment account from their paycheck. This plan also allows unique catch-up contributions. As a full-time or part-time employee, you may start participating in this plan at any time.

For more information, visit https://surs.org/.