Naropa University Benefits

Naropa University provides a benefits package available to all full-time, regular employees
of the university. In addition, benefits-eligible employees may purchase some benefit plans
for their qualified dependents. 

Eligibility Definition for Benefit Plans

Participation in Naropa’s benefit plans is available to base-budgeted staff working 32 hours per week or more, and faculty with an 80% or greater position.

Like other small employers, Naropa University strives to provide cost-effective benefit plans. Our plans vary in cost depending on the benefit plan selected, and Naropa provides a contribution toward the purchase of medical coverage to help offset the employee’s out-of-pocket cost.

Benefit plans include the following:

• Group medical plans
• Group dental plans
• Group vision plan
• Group term life/AD&D plans
• Flexible spending accounts for eligible pre-tax expenses:
• Health Care Flexible Spending Account
• Dependent Care Flexible Spending Account
• Health Savings Account (HSA)
• HSA and Flexible Spending Accounts Comparison Chart
• Long-Term Disability Insurance (LTD)
• Retirement
• Employee Assistance Program (EAP)
• RTD Eco Pass
• Group discounts at Mandala Integrative Medicine Clinic
• “Time Off” benefits
• Tuition benefits

Naropa also provides group rates for the following employee-paid AFLAC Plans:

• Personal Cancer Indemnity Plan
• Hospitalization Indemnity Plan
• Short-Term Disability (STD)—Personal Disability Income Protector
• Personal Accident Indemnity Plan
• Personal Cancer Indemnity

Great West Contact Information:

• Group Number: 358285
• Member Services: 1-800-663-8081
• Web Site: www.mygreatwest.com
• Can find in-network provider directory on web site.
• Has a national network of providers.
• You receive a higher benefit when using in-network providers.
• Can elect medical without electing dental coverage.

Two Medical Plan Options:

Base Medical Plan—HSA (Health Savings Account) Qualified HDHP (High Deductible Health Plan)

• IMPORTANT: If you enroll in more than single coverage, family deductibles apply first.
• Preventive care not subject to deductible.
• HSA Qualified. By enrolling in this plan, you may also establish a Health Savings Account (HSA).  See HSA information below.

Select Medical Plan—3 Tiered Coverage

Following is a brief overview of the Great-West medical plans in-network coverage only. Review health plan charts for more detail.

Alternative Medicine Discount Program: Receive 20% savings for services received from an ACN Group Inc. network provider. Visit www.mygreatwest.com.

1. Two plans available and administered by Guardian:
1. Low Option (PPO) Plan
2. High Option (PPO) Plan
2. Guardian Contact Information:
1. Group Number: 389953
2. Member Services: 1-800-541-7846
3. Website: www.guardianlife.com
4. Can find in-network provider directory on web site.
5. You receive a higher benefit when using in-network providers.
3. Can elect dental without electing medical coverage.
4. In and out-of-network providers.
5. Higher benefit using in-network providers.
6. Preventive services not subject to deductible.

See booklet for more details.

Below is a brief overview of the Guardian Dental Plans In-Network Coverage only.  Review the Dental Booklet for more detail.

Administered by Guardian Vision Service Plan with the VSP Provider Network:

1. Guardian Contact Information:
1. Group Number: 389953
2. Member Services: 1-800-877-7195
3. Website: www.vsp.com
4. Can find VSP provider directory on web site.
5. You receive a higher benefit when using in-network providers.
2.  Vision benefits include:
1. Exam: $20 co-pay
2. Materials: $20 co-pay
3. Once every 12 months
3. See booklet for more details.

Group Life & AD&D Insurance Plans:

1. Two Plans: Basic Term Life/AD&D & Voluntary Term Life
2. You are automatically enrolled in $10,000 Basic Term Life/AD&D.
3. Your cost is $2.30 per month.
4. Can purchase voluntary Term Life for you, spouse/partner and dependent children.
5. Premium for up to $40,000 of coverage is pre-tax, amounts greater will be post-tax.
6. Remember to list your beneficiaries.

1. Contributions are pre-tax.
2. Must re-enroll every open enrollment for the next plan year.
3. $10/month minimum contribution.
4. If you do not use all funds in the calendar year, remaining amounts are forfeited.
5. Two plans available:

• Health Care Flexible Spending Account (HCFSA) - $6,000 Plan Year Maximum.
• Dependent Care Flexible Spending Account (DCFSA) - $5,000 Plan Year Maximum.

1. Must be enrolled in the Base Medical Plan, a High Deductible Health Plan (HDHP).
2. Can contribute up to $3,000 for single coverage and $5,950 for greater than single coverage in 2009. Catch-up contribution for age 55 and above is $1000. Amounts are adjusted annually.
3. Contributions are pre-tax.
4. Use contributions for qualified medical/dental expenses.
5. Review HSA flyer.
6. Health Savings Accounts are available through Elevations Credit Union.
7. $25 per month is the minimum deposit.
8. IMPORANT: Set account up to be effective with your Base medical plan. Cannot submit expenses that occur prior to the effective date.

LONG-TERM DISABILITY

You are automatically enrolled in the long-term disability income-replacement benefit plan.

The plan has a benefit that pays in the event you become disabled from a non-work-related injury or sickness. Naropa pays the full cost of the coverage for eligible employees. 

Following is a brief overview of how the LTD plan benefit works:

Naropa provides an Employee Assistance/Work-Life Program (EAP) that is a voluntary, confidential service providing professional counseling and referral services designed to help employees with personal, job or family related issues. The EAP can help you and your dependent family members identify, resolve and gain control over personal problems that may be interfering with work and daily life.

Retirement Plan Information:

1. You are automatically enrolled in Social Security (6.2%) and Medicare Tax (1.45%).
2. You may enroll in the Group Supplemental Retirement Plan (GSRA) – 403(b) administered by TIAA-CREF.
3. Catch-up provision available.
4. Review Retirement Plan Flyer.
   

Provided to full-time staff and faculty.  In 2009, RTD has added a $5 SkyRide fee to Denver International Airport for all Eco Pass holders.

The Mandala Integrative Medicine Clinic provides quality integrative medicine to the Boulder community. Naropa University has partnered with Mandala to offer all University staff, faculty, adjunct faculty and family members discounts on all services. Under your Mandala Health Plan you are eligible to have ongoing $50 massages. You are also eligible to receive 15% off all services, including acupuncture and Chinese medicine, naturopathic medicine, nutrition and health counseling, bodywork, Yoga, life coaching, homeopathy, Western herbalism and allergy elimination.

Each year many of Naropa’s staff and faculty members take advantage of our tuition remission benefits. Whether it is to take a class for audit or to complete a degree program, Naropa encourages its employees to experience the classroom for themselves through academic courses.

Many tuition remission benefits are also provided for employees’ spouses/partners and children. The amount and type depends on the employee’s status and years of service.

AFLAC Short-Term Disability and Other Plan Options:

• Personal Cancer Indemnity Plan
• Hospitalization Indemnity Plan
• Short-Term Disability (STD)—Personal Disability Income Protector
• Personal Accident Indemnity Plan
• Personal Cancer Indemnity

1. Enroll direct with AFLAC Associate.
2. Contact information available through Human Resources.