Click here to see information about 2025 benefits
Click here to see information about 2025 benefits
Employees have a choice between two medical plans for health insurance coverage — the HSA Advantage Plan and the Signature Plan. Both plans are self-insured, meaning the health system (rather than an outside insurer) provides coverage and pays the cost of medical claims and prescriptions for our more than 30,000 plan members.
Luminare Health, the health system’s medical benefits administrator, oversees all administrative aspects of your health plan — from accessing your digital ID card and processing claims to online tools and resources, including the myLuminareHealth.com online portal and mobile app and a 24/7 dedicated customer service team.
Luminare Health is one of the largest third-party administrators in the U.S. and has been designing and administering custom health plans for self-insured employers like our health system for more than 50 years.
Click here to register on myLuminareHealth.com now.
A high deductible plan (HSA Advantage) works best if you use less healthcare OR have extensive healthcare needs. These questions can help you decide:
The HSA Advantage Plan works best for those who use less healthcare, OR those who need extensive healthcare. The per-paycheck premiums are lower, but your cost of care during the year is higher through deductibles and coinsurance.
With this plan, you will have a Health Savings Account (HSA), which allows you to save money on a pretax basis to pay for qualified medical expenses for you and your dependents. The health system contributes “seed” money deposited directly into the account.
Employees can contribute additional pretax dollars from each paycheck, up to $4,400 per year for individual coverage; $8,750 for family coverage. Employees age 55 and older may contribute an additional $1,000. Visit pretax savings accounts for more information on HSAs, healthcare flexible spending accounts (FSAs) and child or elder care flexible spending accounts (FSA).
These questions can help you decide whether the HSA Advantage Plan is right for you:
If you answered yes to questions 1, 2 or 3 – and answered yes to questions 4 and 5 – then the HSA Advantage Plan may save you money. To discuss this option with a benefits expert, schedule a one-on-one meeting.
This works best for heavier users of healthcare and those who need predictability for their budget. It offers lower deductibles and fixed copays for in-network office visits but has higher per-paycheck premiums.
This plan uses an embedded deductible. This means that once a covered member meets the individual deductible, the health plan’s coinsurance begins to cover that person’s expenses – even if the full family deductible amount has not been met.
With the Signature Plan plan, you may elect to enroll in a Healthcare Flexible Spending Account (FSA), which allows you to save money on a pretax basis to pay for qualified medical expenses for you and your dependents. Employees can contribute pretax dollars from each paycheck, up to $3,300 per year. Visit pretax savings accounts for more information on Health Flexible Spending Accounts.
Luminare Health offers tools and resources that make it easy for you and your dependents to find a provider, access plan-specific documents and most everything else you need to easily manage your benefits.
If you are newly enrolled in the HSA Advantage Plan or Signature Plan, you will need to register on myLuminareHealth.com, a secure online member portal and mobile app where you can manage your medical benefits anytime from anywhere. This includes:
Step One: Create an account
Step Two: Activate
Step Three: Give your consent
Step Four: Provide your contact information
Review this guide for more detailed information on how to register on myLuminareHealth.com.
Download the myLuminareHealth mobile app for free from the Apple App Store or Google Play. Just search for myLuminareHealth Mobile.
While most claims are submitted electronically by your provider, there may be times when you will need to submit a claim yourself. If so, here’s what you need to do:
You can also send the above information to the following address. Most claims are processed within 7-10 working days.
Luminare Health
P.O. Box 2905
Clinton, IA 52733-2905
Once a claim has been filed, Luminare Health will send you an explanation of benefits (EOB) detailing the total charges for your healthcare visit.
An EOB is not a bill. It’s meant to help you understand how much your health plan covers, and what you'll pay when you get a bill from your provider.
Both the HSA Advantage and Signature plans offer you and your family access to the health system network of providers at the most affordable rates. When you need care elsewhere, both plans also offer access to a network of providers around Kansas City, as well as a nationwide network.
Explore Finding a provider for more details, including:
The health system offers accounts for pretax savings on healthcare expenses:
Depending on how much you contribute and your tax bracket, these pretax savings accounts help lower your taxable income and spread these dollars throughout the year, saving you as much as 30% or more on your healthcare costs.
The health system offers these tax-advantaged accounts through Fidelity, the same partner who administers our retirement plans.
Click here to learn more.
Use the charts below to understand the premium you will pay for medical insurance, including your prescription coverage, plus the larger portion the health system pays to support you. If your spouse is offered medical insurance through their employer, you will pay an extra $50 per paycheck to add them as a covered dependent.
Changes in FTE status that affect employee share of medical premiums will take effect on the first day of the month after the FTE change effective date (this update happens automatically – no action is needed by the employee). This applies to employees who:
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $38.00 | $415.81 | $71.00 | $384.00 |
Employee + spouse | $159.00 | $755.08 | $239.00 | $679.60 |
Employee + children | $131.00 | $716.54 | $206.00 | $640.69 |
Employee + family | $217.00 | $1,173.57 | $327.00 | $1,091.66 |
(will align with health system premiums over time)
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $38.00 | $415.81 | $71.00 | $384.00 |
Employee + spouse | $144.00 | $770.08 | $239.00 | $679.60 |
Employee + children | $120.00 | $727.54 | $190.00 | $656.69 |
Employee + family | $182.00 | $1,208.57 | $327.00 | $1,091.66 |
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $41.00 | $412.81 | $76.00 | $379.00 |
Employee + spouse | $170.00 | $744.08 | $257.00 | $661.60 |
Employee + children | $139.00 | $708.54 | $219.00 | $627.69 |
Employee + family | $232.00 | $1,158.57 | $353.00 | $1,065.66 |
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $41.00 | $412.81 | $76.00 | $379.00 |
Employee + spouse | $170.00 | $744.08 | $257.00 | $661.60 |
Employee + children | $139.00 | $708.54 | $219.00 | $627.69 |
Employee + family | $232.00 | $1,158.57 | $353.00 | $1,065.66 |
*Taken from 24 paychecks per year
As you consider which plan is right for you, use the chart below to compare your out-of-pocket costs for different services under each plan.
HSA Advantage Plan Signature Plan Health system network In-network* Out-of-network Health system network In-network* Out-of-network Annual deductible $1,800 individual $3,600 family $4,000 individual $8,000 family $6,400 individual $12,800 family $500 individual $1,000 family $2,000 individual $4,000 family $4,000 individual $8,000 family Annual maximum out-of-pocket costs $4,500 individual $9,000 family $6,000 individual $9,200 family $19,800 individual $39,600 family $4,500 individual $9,000 family $6,000 individual $12,000 family $10,500 individual $21,000 family Member coinsurance You pay 10%; You pay 30%; You pay 40%; You pay 10%; You pay 30%; You pay 40%; At the doctor's office Routine preventive care You pay $0; You pay $0; 40% coinsurance after deductible You pay $0; You pay $0; 40% coinsurance Primary care 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible $20 copay $30 copay 40% coinsurance Specialist 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance after deductible $40 copay $60 copay 40% coinsurance Urgent care 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible $40 copay $60 copay for visits; 30% coinsurance after deductible for all other services 40% coinsurance At the hospital Emergency 10% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible** 10% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible** Inpatient services Outpatient services 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible 10% coinsurance 30% coinsurance 40% coinsurance after deductible Other medical benefits Outpatient therapy (speech, hearing, PT, OT) High-tech radiology (MRI, CT, PET scan) 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance after deductible 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance Mental health & substance use Inpatient services^ 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance after deductible 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance Outpatient services^^ 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible $20 copay for office visits; all other services $30 copay for office visits; 30% coinsurance after deductible for all other services 40% coinsurance after deductible Pharmacy Prescription medication coverage is a big factor in choosing a medical plan. Review the Prescription drug coverage section for important details on prescription drug coverage for each plan. *In-network providers are part of either HCH Sync Centrus local network or Aetna nationwide network (outside the designated local network only). **To ensure access to emergency care, coinsurance for qualified ER visits applied after deductible is met for in-network care. ^ Preauthorization required; coverage of room and board may be denied. ^^Preauthorization required for ABA therapy.
plan pays 90%
plan pays 70%
plan pays 60%
plan pays 90%
plan pays 70%
plan pays 60%
plan pays 100%
plan pays 100%
plan pays 100%
plan pays 100%
after deductible
after deductible
after deductible
after deductible
after deductible
after deductible
Department
after deductible
after deductible
after deductible
after deductible
after deductible
after deductible
100% covered
In certain circumstances, employees who leave the organization or who have a change in benefits eligibility while enrolled in medical, dental and/or vision coverage may continue their insurance for a limited amount of time through COBRA insurance.
Eligible employees will receive a letter in the U.S. mail to their home address from the COBRA administrator, bswift. The letter will take at least two weeks to arrive after the effective date of change (last day of employment or change in eligibility). Workday will automatically notify bswift of the date and bswift will automatically update the system of when to cancel benefits. This change also triggers the mailing of the letter.
Look for an envelope with the bswift logo and carefully review the information inside. The envelope will include:
The benefits team can help you understand the process and your coverage options: BenefitsConnection@kumc.edu or 888-494-9119.
For basic information about how COBRA works, you may review this FAQ on COBRA continuation provided by the U.S. Department of Labor.