All information presented on this page, including links to plan documents and descriptions, is specific to the plan year of July 1, 2017 - June 30, 2018.
Below are brief descriptions on the various medical plan options that Duquesne University offers their eligible faculty and staff members. In addition to the below descriptions, please view a Coverage Comparison Chart of the medical plan options.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Available through Cigna or UPMC
With a High Deductible Health Plan/Health Savings Account (HDHP/HSA) your coverage consists of two components-a traditional health plan to protect you against health care expenses (HDHP) and a tax-advantaged savings vehicle (HSA). The HDHP does not require the selection of a Primary Care Physician and gives you the flexibility to use in-or out-of-network providers. The plan provides free preventive care according to guidelines while all other services, including prescriptions, are subject to the deductible and co-insurance.
In exchange for the higher annual deductible set by the IRS, you will pay a lower monthly premium. The HDHP works hand-in-hand with a Health Savings Account (HSA), a fund earmarked for healthcare expenses, to give you more control over your healthcare dollars. Your HSA contributions are pre-tax, earnings are tax-deferred, and withdrawals for eligible expenses are tax-free. The University also contributes to your HSA which can be rolled over each year, even if you retire or leave the University.
Open Access Plus (OAP)
Available through Cigna
This Open Access Plus (OAP) plan includes prescription
Exclusive Provider Organization (EPO)
Available through UPMC
When you select an Exclusive Provider Organization (EPO), you agree to use ONLY the plan's network of professionals and facilities. An EPO plan has low out-of-pocket expenses (no deductible), but does not cover the cost of services received from non-participating providers, expect in emergency situations. You are not required to select a Primary Care Physician, and you do not need a referral to see a specialist. The plan provides free preventive care according to guidelines while all services, including prescriptions, are subject to the co-insurance.