Medical Plans

LTU offers its employees several medical insurance plan options. As your employer, the University picks up a large percentage of the overall cost of insurance programs offered. Your insurance coverage begins on the first of the month following thirty (30) days of full time employment for eligible employees and their dependent children to age 19 or age 25 if full-time student.

Following are the medical insurance plans offered:

Alliance Health and Life - Exclusive Provider Organization (AHL-EPO) Plan provided through HAP is a managed care program in which members receive care within a specific provider network.  Members must use the EPO provider network exclusively, however, they are not required to select a primary care physician.  Referrals are not required for in-network specialty care.  Medical services received outside the EPO network are not covered.  The plan includes deductibles, copays and coinsurance costs.

Alliance Health and Life - Preferred Provider Organization (AHL-PPO) Plan provided through HAP enables members to use "preferred" providers to receive incentives such as preventive services when in-network.  Members also may use out-of-network providers, however, will incur increased in-network and out-of-network coinsurance and deductible costs.  Members have greater freedom of choice in the PPO-style arrangement where there is no PCP requirement. 

Note: For reduced rates, all AHL EPO and PPO members must complete the iStrive Health Assessment Questionnaire at www.hap.org.  Download the iStrive instructions to access the questionnaire.

AHL EPO and PPO Mail Order Pharmacy is provided through Pharmacy Advantage. 

Health Maintenance Organization (HMO) Plan provided through Blue Care Network  is a managed care program.  Members choose a personal care physician (PCP) from a network of providers.  Members must work with the PCP for specialty care referrals and admissions to hospitals. HMO plans give the greatest level of benefit but are the most restrictive in health care. There are no annual deductibles or coinsurance.

BCN HMO Mail Order Pharmacy is provided through Medco and Option Care. 

Questions? Email benefits@ltu.edu

Limitations
Lawrence Tech in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.

Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Office of Human Resources reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern. Lawrence Tech in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents.