Medical Benefits

The University offers comprehensive medical, prescription drug and vision coverage. The University pays a percentage of the premium cost for single coverage and employee/dependent coverages; employee shares may be paid free of federal income tax. If you have coverage elsewhere, you may elect not to participate in the medical plan.

Coverage for full time staff and faculty is effective immediately on the first day of the month following the first day of work, unless otherwise noted.

An HMO is a managed care program that provides a wide range of healthcare services through an organized network of physicians and hospitals. You are required to select a primary care physician (PCP), from the Keystone network to guide your care. Referrals from the PCP are required for specialist visits.

Under the HMO plan, most services are paid at 100% with no deductibles or 100% after a small co-payment for physician visits. Referrals from the PCP are required for specialist visits.

For more details, please review the Summary of Benefits and Coverage for the HMO plan. If you live outside of the local, please review the Amerihealth HMO Summary of Benefits and Coverage.

The PPO plan provides you in and out of network benefits
and allows you to select your own doctors and hospitals. You
do not need to select a Primary Care Physician and referrals
are not required. By staying in the Blue Cross network you
will maximize your benefits. However, if you choose to see an
out-of-network provider, you will incur higher out-of pocket
costs. Premium costs in the PPO plan will be higher than the
HMO but network flexibility will be greater.

For more details, please review the Summary of Benefits
Coverage for the PPO plan.

The CDHP plan is similar to the PPO plan in that it provides you in and out of network benefits and allows you to select your own doctors and hospitals. You do not need to select a Primary Care Physician and referrals are not required. By staying in the Blue Cross network you will maximize your benefits. However, if you choose to see an out-of-network provider, you will incur higher out-of pocket costs. The CDHP with Health Savings Account (HSA) is a different approach to how you pay for today’s health care and save for your future. It is a lower-premium, high-deductible health insurance plan, which means you pay less out of your paycheck for premiums and more out of pocket at the point of service—before the plan pays for services that are not considered preventive. Villanova’s CDHP meets the minimum federal requirements that allow an enrollee to also qualify for a tax-advantaged HSA.

For more details, please review the Summary of Benefits Coverage for the CDHP plan.