Medical Plan Options
- Care First BCBS Preferred Provider Option (PPO)
- United Healthcare Options (PPO)
- Aetna Point-of-Service (POS)
- United Healthcare ChoicePlus (POS)
- Aetna EPO (Aetna Select)
- Care First BCBS - Exclusive Provider Organization (EPO)
- United Healthcare Select EPO
- Detailed information on each of these plans as well as the bi-weekly medical premiums are posted on the Department of Budget and Management's website.
Mental Health and Substance Abuse Plan
Mental Health and Substance Abuse plan coverage is available to individuals and their dependents carrying medical plan coverage with the State of Maryland. The State's Mental and Substance Abuse plan for individuals enrolled in PPO and POS medical plans are administered by APS Healthcare, Inc. (APS). Individuals enrolled in EPO medical plans receive all mental health and substance abuse coverage through their EPO. Mental health and substance abuse benefits through the State cannot be obtained if not enrolled in a State medical health plan.
- The cost of coverage is included in the medical plan premium.
- Mental health and substance abuse benefits vary depending on the medical plan.
Prescription Drug Benefits
The State's Prescription Drug plan is available to individuals and their dependents who are eligible for health benefits with the State. The State's prescription Drug plan is administered by Express Scripts, a Pharmacy Benefits Manager. The prescription plan covers the cost of most approved prescriptions, subject to normal co-payments which are determined by whether the drug is on a formulary list and whether the drug is a brand-name or generic.
Dental Plan Options
Two (2) dental plans are offered to Maryland State employees:
United Concordia (DHMO) offer employees and dependents the option of selecting a primary Dental Office (PDOP) from the dental network, which will provide or arrange for all dental care. Preventive care and diagnostic dental care paid at 100% when services are received from the PDO. Restorative and other major services are offered at a reduced cost. Orthodontic services are available for both adults and children. For more details, go to www.dbp-inc.com, www.ucci.com (Click on Clients' Corner and State of Maryland).
United Concordia (DPPO) offers employees and dependents the option of receiving care at any dentist of the employee's choice. Benefit coverage amounts are higher if the individual chooses and in-network PPO dentist. If the employee uses an out-of-network dentist, the individual needs to file a claim form for reimbursement. No referrals are needed for specialty care. Orthodontic services are available for both adults and eligible children age 23 and younger. Additional information is available at www.ucci.com (Click on Clients' Corner and State of Maryland).
Term Life Insurance Plan
A Term Life Insurance plan is available to all employees and their dependents who are eligible for health benefits with the State. It is offered through the Metropolitan Life Insurance Company. Premium rates are determined based upon age and/or dependent/spousal plan coverage. Detailed information is available at www.metlife.com/mybenefits
Personal and Accidental Death & Dismemberment Plan
The personal Accidental Death and Dismemberment Plan (PA&D) is available to all active status employees and their dependents who are eligible for health benefits with the State. It is offered to State employees through the Metropolitan Life Insurance Company. The plan provides benefits in the event of an accidental death or dismemberment.
More detailed information and bi-weekly rates are available on the Department and Budget and Management's website or at Metlife's website at www.metlife.com.
Flexible Spending Accounts
Employees may direct pre-tax dollars into special accounts to pay for healthcare expenses not covered by the medical plan and for day care expenses. Please note that strict IRS regulations apply and you are encouraged to review thoroughly the Enrollment Guide for Flexible Spending Accounts section in the Maryland State Employees Health Benefit Booklet on Connect Your Care's website at www.connectyourcare.com/statemd.