University of Toledo

2021 Open Enrollment: Protecting Health

Open enrollment Dates

Thursday, Oct. 1, through Saturday, Oct. 31

Enroll Now

The University of Toledo is proud to continue offering each benefits-eligible employee a competitive and comprehensive benefits package. Each year during open enrollment, employees may choose to change their medical/prescription drug plan and other benefits options based on their specific needs.

Although several plan changes have been made for 2021, UToledo is pleased to announce that premiums for most employees will not increase.

There will be a nominal increase for AFSCME bargaining unit employees to align their rates with those of other employees.

Other 2021 benefits changes include:

  • There will be a slight increase to deductible, copay and co-insurance responsibilities.
  • The Healthy U HSA incentive will no longer be available.
  • Prescription drug copay changes.
  • Urgent Care Telemedicine being offered to employees and dependents through UTP.

To understand your benefits options, please review and compare all plan details and rates available on this website, plus take advantage of the resources the University is offering for you to meet with Human Resources’ benefits specialists to ask any questions you may have before you enroll.


You are invited to participate in these offerings to help you understand your benefits and make plan choices:

1:1 virtual sessions
Schedule your appointment to meet one on one with a benefits representative.

Learn more about 2021 Plan Changes

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Contact Human Resources - or 419.530.4747.



To help you understand your 2021 benefits options, below is information provided by UToledo Human Resources.

Why is the University Making Changes to 2021 Healthcare Benefits?

Each year the University strives to offer several healthcare plans and other benefits options in order to meet the various needs of a widely diverse workforce, while also trying to contain healthcare costs that are rising faster than the rate of inflation.

To help meet these goals, the University encourages you to protect your health! In addition to understanding your options and selecting the medical plan that best meets your household's needs, be sure to partner with your primary care provider; practice a healthy lifestyle; and participate in the University's many free offerings throughout the year, provided by Healthy U.

Will My Healthcare Costs Increase for 2021?

The University has worked hard to ensure premiums for most UToledo employees will remain the same in 2021.

Additionally, if you are an AFSCME bargaining unit employee, there will be a nominal increase for 2021 to align your premiums with those of other employees. That rate information is available here.

What Are Other Changes To UToledo 2021 Benefits?

• All medical plans will have a slight increase to deductibles, coinsurance and copays.
• Prescription drug coverage will move to a High Performance Formulary.
• Prescription drug coverage using a co-insurance cost share at non-UToledo pharmacies.
• Healthy U HSA contribution is being discontinued.

Is Anything Changing With Dental and Vision Benefits?

There are no other changes to the dental or vision plans available to UToledo employees. You are still able to select a Gold or Blue option for each of these plans.

Must I Enroll for 2021 Benefits During Open Enrollment?

Each employee should participate in open enrollment annually to review all of their healthcare plan options and ensure their benefits still meet their needs.


  • Current Bronze, Silver and Blue plan participants will continue to receive their health, dental, and vision elections in 2021; these will automatically roll over to 2021, unless you indicate a different plan during open enrollment.
  • Current Flexible Spending Account (FSA) and Health Savings Account (HSA) elections will not carry over to 2021; you must enroll to select either to participate again.

Can I Get Healthcare Coverage For My Children (Dependents), Spouse Or Partner?

Each plan sets specific guidelines for who is eligible for coverage; therefore, be sure to review plan details for this information.

UToledo requires documentation as proof of dependency if you request to add your dependents to any employee healthcare coverage option (medical/prescription drug, dental and vision). Documentation is required at initial enrollment for each dependent. Further, an annual spousal affidavit is required to cover a spouse on your healthcare plan.

Are There Advantages If I Choose UT Physicians or the University of Toledo Medical Center for Healthcare?

If you choose to receive your care through the University, you will have significant savings by seeing a UT Physician, including primary care providers and specialists, as well as having diagnostic testing and medical treatment performed at a UToledo facility, including UTMC. Those services include blood draws and other laboratory tests, imaging services (X-rays, CT scan, MRI, etc.), physical or occupational therapy, and many other healthcare services.

Because all of your medical-related records are legally protected health information, HIPAA ensures your privacy among colleagues. To find a UToledo-affiliated healthcare provider, visit A complete list of UTMC services is available at

Are There Benefits of Using UToledo Outpatient Pharmacies for Prescriptions?

There are many advantages of using our on-campus pharmacies, including:

  • You will have lower out-of-pocket costs for prescriptions filled at our on-campus pharmacies.
  • If the cost of a medication is less than your co-pay, you pay the lesser amount.
  • To save money and trips to the pharmacy, 90-day prescriptions are available at UToledo outpatient pharmacies.
  • If a UT Physician writes a prescription and you fill it at one of our outpatient pharmacies, you will receive an extra 15% discount on the cost of your prescription.
  • All UToledo outpatient pharmacists are trained to provide individual counseling on medications and disease states.
  • All recommended adult immunizations are available at all UToledo outpatient pharmacies.
  • The onsite UToledo outpatient pharmacies offer convenient hours of operation for easy pickup of your prescriptions during the workday.
  • You can schedule a free, confidential appointment with a clinical pharmacist to discuss your medications; call Bree Meinzer, Pharm.D., 419.383.1591.

You also can search for specific providers by checking the plan's website or contacting the plan administrator directly:

Where Can I Find List of Tier 1 Providers?

For your convenience, a list of University of Toledo Medical Center/UT Physician providers can be found at All other Tier 1 providers can be found by logging in to your account.

Is The Health Savings Account Changing?

No, the Health Savings Account (HSA) connected to the Blue medical plan will remain the same for 2021. The HSA is administered through Optum and they are remaining a UToledo vendor for 2021. Please note that you will not receive a new HSA card (unless you are new to the plan). The UToledo and voluntary contribution amounts are listed below.

  IRS Limit

UToledo Contribution

Amount You Can Contribute


$3,600 $500 $3,100
Single +1 $7,200 $750 $6,450
Family $7,200 $1,000 $6,200

I Am In A Collective Bargaining Unit (AFSCME, CWA, FOP or UTPPA). In Previous Years, I’ve Been Able To Elect Only The Blue Plan. Is This Still The Case?

Yes, per your collective bargaining agreement (CBA), members of these units hired after a certain date are eligible only for the Blue plan. Please refer to your respective CBA for more information.

What Is A “Wrap Network” And When Can I Use It?

A wrap network supplements the regional network (Paramount/FrontPath) by providing access to a national network of providers that will be covered as in-network (Tier 2). A wrap network is intended to be used when you travel outside the regular network area, or if a provider is not covered by the regional network. The wrap network being used by Paramount and FrontPath/OBA is First Health Network.

If you select the Paramount Silver or Paramount Blue plan, the First Health Network will cover certain providers as in-network (Tier 2) outside the following counties: Lenawee, Monroe, Williams, Fulton, Lucas, Defiance, Paulding, Henry, Putnam, Allen, Wood, Hancock, Hardin, Ottawa, Sandusky, Seneca, Wyandot, Crawford, Marion, Morrow, Delaware, Erie, Huron, Richland, Knox, Lorain and Ashland.

If you select the FrontPath/OBA Bronze plan, the First Health Network will cover certain providers as in-network (Tier 2) outside the following counties: Lenawee, Monroe, Jackson, Washtenaw, Branch, Hillsdale, Williams, Fulton, Lucas, Defiance, Paulding, Van Wert Henry, Putnam, Allen (Ohio), Wood, Hancock, Ottawa, Sandusky, Seneca, Wyandot, Crawford, Erie, Huron, Lagrange, Steuben, Noble, De Kalb, Whitley, Huntington and Allen (Indiana).

To search for a provider in the First Health Network, please visit for additional information.

What is Healthy U, and Should I Consider Participating in This Program?

Healthy U is UToledo’s employee wellness program. Employees are encouraged to participate to learn more about healthy lifestyle options and participate in fun, informative programs. More information can be found at

 How Can I Help to Reduce My Healthcare Costs?

Some general guidelines to help you lower your out-of-pocket expenses include:

  • Visit your primary care provider on a routine basis for preventive care; this helps to find potentially serious conditions early, when they’re curable or most easily treated.
  • Practice a healthy lifestyle – exercise regularly and eat healthfully.
  • Consider using UToledo Physicians, UTMC facilities and our outpatient pharmacies for your care, which will significantly lower your out-of-pocket costs.
  • Follow up on diagnostic testing your healthcare provider recommends based on your age and/or health status (e.g., colonoscopy, screening mammogram, PAP test, prostate exam, vision test, etc.).
  • Participate in free, ongoing Healthy U activities offered throughout the year to help you maintain good health.
  • Before you use any healthcare services of whichever plan option you select, be sure to review all of the plan’s information. For instance, some plans require that you get pre-authorization from your provider before you seek healthcare services.
  • Seek care at the most appropriate facility, such as an urgent care center vs. the Emergency Center.
  • Emergency Center care is very expensive and should be used only for sudden and potentially life threatening illnesses and injuries – a broken bone, specific symptoms that may indicate a heart attack, stroke, etc.

For Questions or Help to Enroll

If you still have questions after reviewing this information or need help enrolling online, please contact or 419.530.4747. We look forward to serving you.


Below are commonly used terms that may help you understand healthcare plans and other materials related to your benefits.

Co-insurance – a percentage you pay for medical services other than office visits after the deductible is met. (Example: 80/20 plan: the plan will pay 80% and you will pay 20%.)

Co-pay – a fixed amount you pay at an office visit; the co-pay does not count towards the deductible.

Deductible – an amount you pay before insurance benefits will begin paying.

Excluded services –services not be covered by the insurance plan. You will have to pay for the entire cost of these services.

Flexible Spending Account (FSA) – a tax-free account that you can use to pay for medical expenses. Money left at the end of the year is lost.

Health Savings Account (HSA) – a tax-free account that you can use to pay for medical expenses. It carries over from year to year and consists of both your and your employer’s contributions.

Open enrollment – a set period every year when you elect benefits for the following year without a qualifying life event.

Premium –the amount you pay for insurance coverage.

Prior authorization –services that must be approved by the insurance company before you receive care. If pre-authorization is not obtained, the service may not be covered and you could be charged for the entire amount of services delivered! Healthcare providers will sometimes obtain pre-authorization for you, but it still is always your responsibility to check first with your insurance company before you receive healthcare services.

Qualifying life event – a life event that allows you to change your benefit during the year (e.g., marriage, divorce, birth of a child, loss of other coverage, etc.).

Summary of Benefits and Coverage (SBC) – a brief, easy-to-understand summary of your plan’s coverage. It is intended to be a uniform document that enables you to compare plans.

Summary Plan Description (SPD) – a booklet explaining your benefits, eligibility requirements, pre-authorization requirements, plan exclusions and other relevant details.

Tier 1 –these providers generally include University of Toledo Medical Center and UT Physicians.

Tier 2 –in-network providers.

Tier 3 –out-of-network providers.

Prescription Drugs / Pharmacy Benefits

Co-insurance – a specified percentage of the cost of the drug or service that you are responsible to pay. (Example: Depending on your plan, perhaps 20% of the total cost of your prescription medications.)

Compounded medications – medications not made or packaged to be dispensed at a traditional pharmacy. They are made based on a healthcare provider’s prescription, and individual ingredients are mixed together in the exact strength and dosage form required by the patient.

Co-pay – a pre-determined amount you pay for each medication or medical service you receive; not related to the cost of the medication or service. (Example: A $7 co-pay for generic medications —regardless of its entire cost, and a $15 co-pay for brand name prescription medications— regardless of its entire cost. If your prescription actually totals $85 for a name brand drug, you still would pay only $15 for that name brand drug each time you get it refilled.)

DAW – an abbreviation for “Dispense as Written.” This is used when a doctor decides you should receive a brand name medication even though a generic form of that drug is available. A special notation from the doctor is required to qualify.

Deductible – the maximum dollar amount you will pay each calendar year before your insurance plan begins covering certain costs. (After reaching your deductible, you are still responsible for copays.)

Formulary – a list of medications that are covered under your prescription plan.

Generic drug (Tier 1 drug) – a generic medication that contains the same active ingredient as a brand name drug. It usually is considered identical in efficacy, safety, side effects and dosing. It costs significantly less than their brand name counterparts.

Maximum out-of-pocket – the maximum dollar amount you are responsible for within a calendar year.

Non-preferred drug (Tier 3 drug) – a brand name medication that is considered non-preferred. This usually means there is a preferred alternative (and less expensive drug) within Tier 2.

Preferred brand drug – a brand name drug that has a trade name and is protected by a patent. This means that only the company holding the patent may sell or produce the medication for a specified amount of years.

Prior (or pre-) authorization – a process that requires a prescriber (your healthcare provider) to complete paperwork for the insurance company’s review before the prescribed medication will be covered under your prescription plan.

Prior authorization list – a list of medications that would need to undergo a prior authorization in order to be covered under your prescription benefit.

Dental Benefits

Dental care major services – dental services beyond basic, routine services, such as dental surgery, root canals, treatment for gum disease, crowns, bridges and dentures.

Dental care preventive services – routine dental services, such as cleanings, exams and X-rays.

Last Updated: 10/1/20