College Insurance Program (CIP) Benefit Plans
Benefit Recipients who enroll in the College Insurance Program (CIP) receive health, prescription, vision, dental and behavioral health benefits. Dependent Beneficiaries can be enrolled in the program at an additional cost and will have the same health plan as the Benefit Recipient.
The health, dental, vision and prescription benefits offered to CIP participants
are administered by various plan administrators.
Benefit Recipients interested in changing their coverage elections may do so
upon experiencing an eligible qualifying change in status and should contact
the Group Insurance Representative (GIR) at SURS for more information.
NEW Coverage for adult children [PDF, 119KB] age 19 up to age 26 (up to age 30 for veteran adult children) is available for dependents meeting the criteria effective July 1, 2009. To add an adult child, complete the Dependent Beneficiary Group Insurance form [PDF, 24KB] and return to SURS.
Benefit Program Books
Health
The health insurance plans available to CIP members differ in the benefit levels they provide, the doctors and hospitals you can access and the out-of-pocket cost to you. In general, managed care plans, such as Health Maintenance Organizations (HMOs) and the Open Access Plan (OAP), deliver healthcare through a system of network providers and have a lower monthly premium than the College Choice Health Plan (CCHP).
There are 7 managed care health plans located throughout the State available to CIP members. Benefit Recipients may view a map of the managed care plans’ coverage areas.
The CCHP is administered by CIGNA and allows plan participants to access any provider nationwide; however, enhanced benefits are available when services are received from a CCHP network provider.
Dental
All Benefit Recipients and enrolled Dependent Beneficiaries have the same dental benefits available regardless of the health plan selected. Participants may go to any dental provider for services.
The College Choice Dental Plan (CCDP) is administered by CompBenefits. Only those dental services listed on the FY09 & FY10 Dental Schedule of Benefits [PDF, 53KB] will be reimbursed. Plan Participants are responsible for all charges over the scheduled amount and/or over the annual maximum benefit. Each plan participant is subject to an annual plan deductible for all dental services, except those listed in the Schedule of Benefits as 'Diagnostic' or 'Preventive'.
The annual plan deductible is $100 per participant per plan year. Once the deductible has been met, the plan participant has a maximum annual dental benefit of $2,000 for all dental services.
A child orthodontia benefit is available only to children who begin treatment prior to the age of 19. There is a maximum lifetime benefit for child orthodontia of $1,500. This lifetime maximum is subject to course of treatment limitations and begins once the $100 plan year deductible has been met.
A dental claim form [PDF, 80KB] is available for members who need to file a dental claim.
Vision
Vision coverage is provided at no additional cost to Benefit Recipients enrolled in any of the CIP health plans. All Benefit Recipients and enrolled Dependent Beneficiaries have the same vision coverage regardless of the health plan selected. All vision benefits are available once every 24 months from the last date used. Co-payments are required.
The plan administrator for the vision benefit is EyeMed. EyeMed’s Certificate of Coverage [PDF, 123KB] is available for viewing. Requests for reimbursement for services provided by an out-of-network vision provider must be submitted on an EyeMed claim form [PDF, 134KB].
Prescription
Plan participants enrolled in any CIP health plan have prescription drug benefits included in the coverage. All prescription medications are compiled on a preferred drug list ("formulary list") maintained by each health plan's Prescription Benefit Manager (PBM). Formulary lists categorize drugs in three levels: generic, preferred brand and non-preferred brand. Each level has a different co-payment amount.
Coverage for specific drugs may vary depending upon the health plan. It is important to note that formulary lists are subject to change any time during the plan year. To compare formulary lists, cost-savings programs and to obtain a list of pharmacies that participate in the various health plan networks, plan participants should visit the website of each health plan they are considering. Plan participants who have additional prescription drug coverage, including Medicare, should contact their plan’s PBM for Coordination of Benefits (COB) information.
Medco the prescription drug plan administrator
for Health Alliance Illinois, HealthLink OAP and the College Choice Health
Plan (CCHP), maintains a list of in-network pharmacies [PDF, 107KB] that contract
with Medco to accept the co-payment amount for prescriptions. A Medco
claim form [PDF, 26KB] is available for members who request reimbursement due to using an out-of-network
pharmacy.
Medco also offers a Mail Order benefit. To access a Mail Order Form for
any of the plans administered by Medco, click on the link that corresponds
to the health plan in which you are enrolled - Health
Alliance Illinois [PDF, 61KB], HealthLink
OAP [PDF, 61KB] and the College
Choice Health Plan (CCHP) [PDF, 51KB].
Contact Information
Please visit the State
Universities Retirement System website for more information regarding the
College Insurance Program.
FAQs
A list of Frequently Asked Questions regarding
CIP can be accessed by clicking on this link.
Health Insurance Portability and Accountability Act (HIPAA)
Please click here to view the Health Insurance
Portability and Accountability Act (HIPAA) Notice of Privacy Practices.
 Documents are provided in PDF format, to view documents you will need Adobe's free Reader 7.0 or higher.
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