Expecting Parent Resource Guide – Section 2

Understanding our medical plans

If you are enrolled in health system benefits, you’ll find robust support for you and your growing family. The health system offers two plans for medical coverage to its employees: the HSA Advantage Plan and Signature Plan. Learn more about our medical plans. When employees enroll in benefits, they may enroll for employee-only, employee-plus spouse, employee-plus children or family coverage. The chart below outlines the maternity benefit coverage provided by the HSA Advantage Plan and the Signature Plan for you and, if enrolled, your dependents. If you have additional questions, email BenefitsConnection@kumc.edu or call 888-494-9119.

	Your Medical Provider
Maternity Benefit – HSA Advantage Plan and Signature Plan	The University of Kansas Health System Provider	In-Network Provider	Out-of-Network Provider
	Health system pays 90% of the allowable charge after the benefit year deductible is met. Employee pays the remaining 10% of the allowable charge after the benefit year deductible is met.	Health system pays 70% of the allowable charge after the benefit year deductible is met. Employee pays the remaining 30% of the allowable charge after the benefit year deductible is met.	Health system pays 60% of the allowable charge after the benefit year deductible is met. Employee pays the remaining 40% of the allowable charge after the benefit year deductible is met.

*In general, maternity care covers a female employee, spouse of a covered employee and/or covered dependents (non-spouse). Covered services include consultation, prenatal care, conditions directly related to pregnancy, delivery and postpartum care, and delivery of one or more infants. Provider services also include maternity services performed by certified nurse midwives when supervised by a licensed medical doctor. Only non-elective abortions are covered.

Note: Health system physicians are offered different medical plan coverage and should consult their benefits guide for details.

Your benefits while on leave

If you are using PTO or EIR to supplement your pay while on leave, all applicable insurance premiums will continue to be deducted as they normally are. These premiums include medical, dental, vision, buy-up short-term disability, supplemental life insurance, supplemental AD&D insurance, spouse/child life insurance, critical illness insurance, hospital indemnity insurance, accident insurance, legal insurance, ID theft insurance and spousal surcharge.

If your leave is no longer being supplemented by PTO or EIR and you are on unpaid leave, all applicable premiums must continue being paid. Premium payments can be:

• Paid by personal check while on leave; a personal check can be made out to The University of Kansas Health System and sent to The University of Kansas Health System Attn: Leave Administration at 5799 Broadmoor St. Suite 650 Mission, KS 66202.
• Deducted at 1.5 times per pay period upon return from leave until all missed premiums are repaid.

In some cases, you may need to make additional arrangements to ensure your benefits do not lapse:

• Whole life insurance: You are responsible for contacting Boston Mutual at 800-669-2668 ext. 222 to make direct bill payments or set up auto-draft payments while you are on leave. If your payments fall more than 60 days behind, the policy will lapse.
• Home, auto and pet insurance: You will be moved to a direct-bill status and receive a bill for missed premiums directly from MetLife while on leave.
• Healthcare Flexible Spending Account (FSA) and Health Savings Account (HSA): Any missed contributions that would typically have been deducted from your pay will be recalculated and split among the remaining pay periods in the calendar year, upon your return from leave.
• Dependent Care Flexible Spending Account (FSA): Your contributions will stop while you are on leave. Email BenefitsConnection@kumc.edu to restart contributions upon your return from leave.

Retirement: Your retirement contributions will temporarily pause while you are not receiving pay from the health system and will automatically start again upon your return from unpaid leave.

Using Healthcare FSA, Dependent Care FSA and HSA accounts

If you have a Healthcare Flexible Spending Account (FSA) or a Health Savings Account (HSA), you can use these to pay for qualified expenses associated with pregnancy and childbirth. You also can use a Dependent Care FSA to pay for care for a child or dependent adult, such as preschool, day care and summer day camp. Learn more about an HSA, Healthcare FSA and Dependent Care FSA, and see the chart below for more information.

	Child and elder care flexible spending account (FSA)	Health savings account (HSA)	Healthcare flexible spending account (FSA)
Who can open the account?	Any benefits-eligible employee.	Benefits-eligible employees who elect the HSA Advantage medical plan.	Benefits-eligible employees who are not enrolled in the HSA Advantage medical plan.
Why should I open an account?	To save for dependent care expenses expected in 2026. The money you set aside in the FSA is not subject to taxes, so you take home more of your paycheck.	To save for future healthcare expenses in 2026 and beyond. Money goes in tax-free, is invested tax-free and can be used to pay for qualified medical, dental and vision expenses. The health system will deposit $500 for individual-only coverage; $1,000 for family coverage.	To save for qualified healthcare expenses expected in 2026. The money you set aside in the FSA is not subject to taxes, so you take home more of your paycheck.
How can I use the money?	To pay for eligible expenses at licensed day or elder care centers, nursery schools, day camps and home care with valid tax ID numbers.	To pay for medical, dental and vision expenses including deductibles, coinsurance, prescriptions and other eligible expenses.	To pay for medical, dental and vision expenses including deductibles, coinsurance, prescriptions and other eligible expenses.
What if I don’t use the money in 2026?	Any unused funds are forfeited. You have until April 30, 2027, to submit claims for eligible expenses incurred Jan. 1, 2026-Feb. 28, 2027.	All unused funds roll over each year.	Any unused funds are forfeited. You have until April 30, 2027, to submit claims for eligible expenses incurred Jan. 1, 2026-Feb. 28, 2027.
When can I use the money in my account?	Money you contribute from each paycheck is available as soon as it’s added to your account.	Money you contribute from each paycheck is available as soon as it’s added to your account. Funds provided by the health system are available in January or, for newly eligible employees, as soon as your account is activated.	Your total annual elected amount is available for you to use beginning Jan. 1, 2026.
Can I invest the money in my account?	No	Yes	No
How much can I contribute?	Up to $7,500 as an individual or as a married couple filing jointly; up to $3,750 as a married couple filing separately.	Up to $4,400 individual, $8,750 family. Age 55 and over may contribute an extra $1,000.	Up to $3,300.

Note: You typically cannot have both an active HSA and a Healthcare FSA account. However, if you are a benefits-eligible employee, you can have a Dependent Care Flexible Spending Account (FSA), even if you have an HSA or Healthcare FSA.

How to get a breast pump through insurance

Both the health system’s HSA Advantage Plan and Signature Plan include a breast pump benefit, which means our insurance provider (Luminaire Health) will cover the allowable charge for the purchase of a manual or electric breast pump (either single or double; limit one breast pump per pregnancy).

To learn more about your breast pump benefit and to order a breast pump, take these steps:

1. Inquire
   Call Luminaire Health Customer Service at the number on your member ID card to confirm you have a breast pump benefit and with any other benefit-related questions.

2. Get a prescription
   Ask your doctor for a prescription for a breast pump once you reach 26-28 weeks in your pregnancy.
3. Place your order
   At 30 weeks in your pregnancy, order your breast pump by contacting one of the in-network providers listed below. Please allow four weeks to receive your breast pump in the mail.

• • You will need your Luminaire Health ID card when you place your order.
  • If you have not obtained a prescription for a breast pump from your doctor, you can ask the breast pump provider to request the prescription for you.
  • State access may vary; please contact the breast pump provider directly to confirm a breast pump is available for your location and with any additional ordering questions.

How to add a baby to your health insurance

Outside of annual benefits enrollment, you can make changes to your health insurance coverage when you have a qualifying life event, and having a child is considered a qualifying life event. New family members, including newborns, are not automatically added to your insurance plan. You have 30 days from the qualifying life event to submit appropriate documentation (birth certificate or letter of birth) to make changes to your coverage. For assistance, call 888-494-9119.

Note that if our insurance plan administrator receives a hospital or medical claim for the birth of a child, and the child has not been added to your insurance plan during the 30-day window, only the mother’s claims will be covered. Any claims submitted for the child will not be covered until the child has been added to your insurance.

Family care benefits

The health system offers care solutions to help you balance the demands of family with your other commitments. Through our partnership with Bright Horizons, benefits-eligible employees can find back-up care when your trusted caregiver is not available. This benefit is available only in Kansas City.

Perks For You discounts for your growing family

With Perks For You, you and your family can save money with exclusive savings and discounts from thousands of local businesses and national brands, including maternity and baby care items. Perks For You is a digital portal that gives all health system employees, regardless of benefits eligibility, and their spouses access to thousands of discounts. Save on maternity items, baby gear, clothing, parenting classes and even tuition at local daycares, as well as electronics, tickets, travel, transportation, food and more.

Sign up to begin saving today and download the BenefitHub app on your phone.

Preparing your family’s finances

The health system and our financial wellness partner, Fidelity, have a robust library of resources to help you prepare financially for the birth or adoption of a child. To learn about their financial planning tools, benefits-eligible employees can log in to their account at NetBenefits.com/AtWork to access:

• Articles on financial considerations of having or adopting a child
• Goal booster tool to help you save for childbirth or adoption expenses
• Help with estate planning
• College savings tools
• Guidance on updating your policy beneficiaries
• Information about utilizing flexible spending accounts (FSA)
• Insights about the financial considerations of being a stay-at-home parent

Establishing a 529 education savings plan for Kansas & Missouri residents

It’s never too early to start saving for the future, and saving now for future education expenses can add up big over time. The health system makes it easy with the option to deposit part of your paycheck in a Learning Quest Education Savings 529 account. This benefit is open to all employees, regardless of benefits eligibility.

Explore the benefits and key features of a 529 plan, how to open a new account, how to contribute to an existing account via direct deposit and more.