UVM’s medical plans provide comprehensive coverage with premiums that are adjusted by salary, in line with our social justice philosophy. Our plans are offered through Blue Cross Blue Shield of Vermont with a national network of healthcare professionals. 

Please note: This information is for 2024. If you are looking for coverage options and rates for 2025, please go to our 2025 Open Enrollment page.

Plan Information

• View Summary of Benefits & Coverage (PDF) for an understanding of how you and the health plan would share the costs for covered health care services.
• View Summary of UVM Open Access Plan (PDF) for a description of health benefits associated with this plan.
• 2024 Total Premium Costs (PDF) shows the combined costs of both UVM and an employee for each coverage option (employee, employee and their spouse, etc.)

2024 Premiums by Employee Type

• Active Non-Union Employees (PDF)
• Active UVM Staff United Employees (PDF)
• Active Teamsters (PDF)
• Active United Electrical Workers (PDF)
• Active United Academics Full-Time (PDF)
• ACA Active Non-Represented Employees (PDF)
• ACA Staff United (PDF)
• ACA United Academics Part-Time (PDF)

Additional Documents

• BCBS Cost Transparency (PDF)
• Find a Doctor (PDF)
• Better Beginnings for pregnant women (PDF)
• Member Resource Center - MRC (PDF)

Hearing Aid Program

The Eleanor M. Luse Center Audiology Clinic, part of the Department of Communication Sciences and Disorders, offers UVM staff, faculty, retirees, and their dependents a 10% reduction from retail costs for hearing aids. This benefit is only for individuals enrolled in UVM's health insurance. More on the Luse Center's Hearing Aid Program (PDF)

Additional opportunities for savings on hearing aids are available through the TruHearing Discount Program (PDF).

UVM pays 100% of the premium for the base-level dental plan for benefits-eligible employees and their families. The base plan includes 100% coverage for preventive care, as well as a cost share for minor and major restorative work and orthodontia care.

A high option plan is also available at a cost to the employee. The high option plan provides higher plan coverage amounts for major restorative work and orthodontic care. 

Monthly Employee Costs

Additional Documents

• Dental Coverage Comparison & Policy Features Summary (PDF)
• Delta Dental Summary Plan Description (PDF)
• Monthly Costs for Dental Insurance (PDF)

UVM offers vision coverage through Vision Service Plan (VSP) to eligible employees. While this voluntary benefit is fully employee-paid, UVM has negotiated competitive group rates which are more affordable than non-group rates. The plan provides coverage for eye exams and either glasses or contact lenses, among other benefits.

Monthly costs for vision (PDF)

No ID card is required for this plan. However, your eye care provider will need your plan ID number. Find out more about your plan ID number, VSP benefits, and how to view your in-network coverage in the VSP Vision Plan Benefits Summary (PDF).

Don’t wear prescription glasses? Vision benefits may still be useful. The VSP plan offers coverage for non-prescription sunglasses and blue light filtering glasses to defend against digital eye strain. Details available on the VSP Light Care Coverage (PDF).

UVM offers life insurance coverage of $10,000 to benefits-eligible employes, fully paid by UVM. Employees have the option to increase coverage amounts with a cost share between the employee and UVM, up to 7 times a person’s base salary (with a limit of $2 million).

Spouse and child life insurance coverage is also available to individuals that have elected $50,000+ in employee coverage.

Additional Documents

• Group Life Insurance Highlights (pdf)
• Group Life Insurance Certificate (pdf)

Short-Term Disability 

Eligible employees may elect Voluntary Short-Term Disability, which provides 70% of your salary if you are unable to work due to a medically qualified, non-work-related injury or illness which prevents you from working. Disability payments would begin after a 30-day waiting period and provide income replacement for up to a maximum of six months.

The Short-Term Disability benefit is voluntary and fully employee paid. UVM negotiated group rates are more reasonably priced than individual rates. Also, because the premiums are employee-paid, if you do need to utilize short-term disability, your disability payments won’t be taxed. This means no taxes would be deducted from the 70% disability payments.   

Short-Term Disability may only be elected during annual Open Enrollment, and employees must sign up by using PeopleSoft Self-Service. Premium cost is based on an employee’s salary and rates are calculated within PeopleSoft. 

There are some instances where short-term disability can be used after the birth of a child. Please see the Time Off & Leave page for more information.

Additional Documents:

• Voluntary Short-Term Disability Highlights (pdf)
• Group Short-Term Disability Insurance Certificate (pdf)

Long-Term Disability

Eligible employees may enroll in the Long-Term Disability plan for income and benefit protections in the event they become totally disabled as defined by the plan and unable to work for a period of greater than six months. Long-term disability provides either 60 or 70% of monthly income, depending on the plan selected. 

The cost of the Long-Term Disability plan is shared between UVM and the employee. Long-Term Disability payments are taxable. Employer contribution level determines the taxability of the disability payment amount. 

In addition to wage replacement, the plan also provides for retirement protection, contributing funds to your UVM 403(b) retirement plan if you are enrolled and receiving the UVM contribution to your 403(b) as of your date of disability. 

Additional Documents:

• Group Long-Term Disability Highlights (pdf)
• Group Long-Term Disability Insurance Certificate (pdf)
• Long-Term Disability Rates (pdf)

A Flexible Spending Account (FSA) allows you to set aside pre-tax dollars from your paycheck to pay for eligible out-of-pocket health and/or dependent care expenses. Use an FSA benefits card to pay for eligible healthcare expenses virtually everywhere credit cards are accepted. If you are unable or choose not to use the FSA benefits card to make payments, you can send in a claim form with documentation for reimbursement. In order to be eligible, you must be employed in a benefits eligible position.

View Flex Spending Account Summary Plan Description (PDF)

Learn more about Flexible Spending Accounts for Health Care and Dependent Care, including details about eligible expenses and the reimbursement processes in the FSA Simply Beneficial Materials (PDF).

Access Flex Spending Account Portal

How to Log in for the first time

1. Go to https://www.ebpabenefits.com/members
2. In the blue “Member Access” box, click “Sign In.”
3. You will be asked to enter your Employer’s Name (UVM) and click search.
4. This should bring up CBA10683 – University of Vermont, please click that link.
5. Then click “My Flexible Spending Account.”
6. Next click on “Register” in the upper right corner.
7. Fill out your personal information as directed on the website.  In the “Employee ID” field type the number 99, followed by your 7-digit UVM employee ID number.  If you don’t know your number, you can find it on your “View Paycheck” page under “Self-Service” in PeopleSoft Human Resources. This number should be used if authentication asks for your SS#.
8. For authentication purposes you will need to provide a valid UVM email address and a mobile phone number.
9. Click “Next” and fill out your security questions.
10. That should bring you to the success screen and click done.
11. That will bring you to your home screen where you can see your Recent Transactions and your Account Balance.