Dual Coverage Insurance
When both spouses are employed at Utah State University in benefit eligible positions, and wish to be part of the Dual Coverage medical/dental benefit, they may enroll in Dual Coverage within 30 days of beginning a new job, within 30 days of a life event, or during open enrollment.
Each employee will be enrolled in the same medical plan and each employee will pay a medical and dental premium. The employee that is the subscriber will pay the family or couple premium in the appropriate salary tier. The other employee will pay single premium for medical and dental according to their appropriate salary tier. We set up the subscriber as the employee earning the lesser salary, and the other employee will be listed as their dependent. Let us know if you want it set up differently.
To enroll or make changes to Dual Coverage, please complete the Enrollment Change form.
$0.00 out of pocket after deductible is met for medical only
- Deductible per Employee $375
- Deductible per Family $750
- Doctor Visit Co-Pay $15
- Emergency Room Copayment $125 per visit
- Generic prescription 30 day $5.00
- Generic prescription 90 day $5.00
- Formulary prescription 15%
- Non-Formulary prescription 25%
- Compounds 25%
- Diabetic Supplies 10%
- $1,750 pharmacy out of pocket max
Summary of Benefits and Coverage
Dual White PVC / Dual White PAR
Dual White PVC (Spanish) / Dual White PAR (Spanish)
$0.00 out of pocket after deductible is met for medical only
- Deductible per Employee $250
- Deductible per Family $500
- Doctor Visit Co-Pay $15
- Emergency Room Copayment $125 per visit
- Generic prescription 30 day $5.00
- Generic prescription 90 day $5.00
- Formulary prescription 15%
- Non-Formulary prescription 25%
- Compounds 25%
- Diabetic Supplies 10%
- $1,500 pharmacy out of pocket max
Summary of Benefits and Coverage
Dual Blue PVC / Dual Blue PAR
Dual Blue PVC (Spanish) / Dual Blue PAR (Spanish)
Pharmacy
| Details | Dual Wellness White Plan |
Dual High Premium Blue Plan |
|---|---|---|
| Out-of-Pocket Maximum | $1,750 | $1,500 |
| Pharmacy Network | Participating / Broad | Participating / Broad |
| Tier 1 | $5 | $5 |
| Tier 2 | $5 | $5 |
| Tier 3 | 15% | 15% |
| Tier 4 | 25% | 25% |
|
Tier 5 |
20% up to $150 Max Copay | 20% up to $150 Max Copay |
|
Tier 6 |
35% up to $300 Max Copay | 35% up to $300 Max Copay |
- Dental Co-Insurance Preventative & Basic Paid at 100%; Major Paid at 80%
- Dental Maximum Per Year $2,000 per claimant
- Ortho Co-Insurance Paid at 50%
- Ortho Lifetime Maximum $2,000 per claimant
Summary of Benefits and Coverage
Dual Dental / Dual Dental (Spanish)
Dual Coverage and Domestic Partner Tax
It is very important to remember that when you select dual coverage with a domestic partner, both employees will be subject to the domestic partner tax.