JHU Benefits Site - Explore the Changes

Learn What's New

What's New for 2018

  • We are pleased to announce that your medical plan premiums will increase by only 1% for 2018.
  • In order to sustain minimal medical plan premium increases, we will introduce some new programs to our pharmacy benefits through Express Scripts to help you get the right prescription at the best price. In addition, there will be changes to the mail-order pharmacy cost structure. See the Prescription Drug Overview for more information.
  • If you are not enrolling in JHU medical coverage for 2018, you will be required to provide a medical waiver form. Even if you have submitted this form in the past, we will request a new form for 2018. If you waive medical coverage and upload a completed medical waiver form to the enrollment site, you will be eligible for the annual waiver credit of $800 (if your salary is $40,000 or less) or $500 (if your salary is more than $40,000).
  • The Short-Term Disability Plan will be updated to provide a benefit of 60% of your weekly base salary up to $2,500 (rather than the current $1,000 maximum) at a more competitive price. If you previously enrolled in this benefit and had hit the plan weekly maximum, you may pay more per paycheck; however, your weekly benefit potential is more than twice the current weekly maximum. Consider enrolling in this benefit to help protect your income if you need to be out of work due to an unforeseen illness or injury.
  • The Health Care FSA maximum employee contribution will increase to $2,600 per year for 2018. As a reminder, you must re-enroll in the Health Care FSA and the Dependent Care FSA for 2018. Up to $500 of unused Health Care FSA funds will roll over into the next plan year.
  • Beginning in 2018, Life Insurance and Accidental Death and Dismemberment (AD&D) Insurance - currently known as Personal Accident Insurance (PAI) - will move to Securian Life. You will have the opportunity during Annual Enrollment to review your current Supplemental Life Insurance coverage and make any changes, without having to provide evidence of insurability (proof of good health) up to the guaranteed amount of the lesser of four times your annual salary or $500,000. If you do not make any changes, your current Supplemental Life and Dependent Life Insurance coverage will carry over at the same or lower rates. You will need to actively enroll in AD&D Insurance during Annual Enrollment to have more than the university-provided $10,000 of employee coverage beginning January 1, 2018.
  • A new offering for the voluntary Accident Insurance benefit will be through MetLife, providing you with greater choice at a lower price. Voluntary Accident Insurance provides coverage for unexpected injuries, such as sports related accidents, injuries or broken bones. For 2018, this plan is offered at a significantly discounted group rate, and you will have the option to enroll in a low or high coverage option. If you already have Accident Insurance through Colonial, you will be able to keep that coverage if you choose; however, we encourage you to compare these options during Annual Enrollment to select the plan that is best for you.

Cost of Coverage

You and Johns Hopkins University share the cost of your benefits coverage. The university pays the majority of your coverage and you pay the balance.

Your health insurance premiums are determined by the tier your salary falls into (salary as of January 1, 2018).

   There are six salary tiers:
$40,000 or less
$40,001 - $60,000
$60,001 - $80,000
$80,001 - $120,000
$120,001 - $200,000

You will receive a medical waiver credit if you decline coverage through the university. The waiver credit will be $800 ($33.33 per pay) if you earn $40,000 or less in annual salary as of January 1, 2018 or $500 ($20.83 per pay) if you earn more.

If you will not be choosing JHU medical coverage for 2018, you will be required to submit a Medical Waiver Form available on the benefits enrollment site.

For a complete overview of the 2018 rates, please review your 2018 rate sheet.

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