Coverage is provided through Wellmark Blue Cross and Blue Shield of Iowa. There are four main contract options available:
- employee only,
- employee and spouse,
- employee and children, and
- employee and family.
Children may be covered through 12/31 of the year in which they reach age 26 without tax implications. Coverage for children who are full-time students or disabled can continue as long as they continue in that status.
The Internal Revenue Service (IRS) has determined that if an employer allows employees to insure dependent children past the age of 26 who do not qualify as the employee’s tax dependents, there is a value that must be added to the employee’s taxable salary when reporting income earned on the annual W-2. More information can be found on the Taxable Health and Dental Insurance page.
Domestic partners may also be covered on this policy. The Domestic Partner Information page contains more information.
Dual University of Iowa employed spouses/partners and any children may not double insure each other or dependents under the plans where the University contributes towards the cost of the plans. This includes the health, dental, and AD&D insurance policies - an individual may only be included once under these policies.
At retirement, if you leave coverage under the University health and/or dental insurance plans, you cannot return to purchasing the coverage at a later time. If you drop coverage at the time of retirement, or if you maintain coverage for a period of time in retirement and then drop it, you cannot return to the university coverage. The exception is if you are covered by another employer's plan.