Medical & Pharmacy

Georgia Tech offers a choice of four different medical plans. Each medical plan includes a pharmacy benefit and incorporates a network of physicians and facilities that help minimize your out-of-pocket expenses.

To help you determine which medical plan is right for you and your family, please review the sections below.

View the 2017 Comparison Guide for plans and prices.

Eligibility

  • Employees - Regular, full-time/part-time faculty or staff who work at least 30 hours per week.
  • Dependents - An eligible dependent must meet one of the following criteria defined under the Georgia Tech Dependent Eligibility Rules for Medical plans only.

Effective Date of Coverage

Medical coverage is effective the first day of the month following your signed New Hire Enrollment form. If your date of hire is the first business day of the month and you complete your enrollment on or before that date, your medical coverage can begin on your date of hire.

As a new hire, the coverage effective date of your benefit elections varies.

  • Basic Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance are effective on your date of hire.
  • Medical coverage is effective the first day of the month following your signed and submitted New Hire Enrollment Form. If your date of hire is the first business day of the month and you complete and submit your New Hire Enrollment form on or before that date, your medical coverage can begin on your date of hire.
  • If elected, all other health benefits will begin on the first of the month following your signed enrollment.

Staff & Research

New staff & research faculty hires may receive medical coverage on:

  • The first of the month if the hire date is the first day of the month and forms are turned in on or before this date, OR
  • The first of the month following submission of enrollment forms within 30 day eligibility period.

Faculty

New faculty hires may receive medical coverage on:

  • The first of the month if hire date is the first day of the month and forms are turned in on or before this date, OR
  • The actual contract effective date (if enrollment form is submitted to our office on or before hire date) within 30 day eligibility period.

Tobacco Surcharge

All employees and dependents over age 18 who are covered by one of the USG medical plans are required to certify whether they are current tobacco users. Tobacco use is classified as smoking tobacco in such forms as a cigarette, pipe, or cigar, or using smokeless tobacco, such as snuff or chewing tobacco (nicotine chewing gum is excluded). An additional tobacco surcharge of $75 will be added to yours and any dependent who you certify as a smoker monthly premium if you use tobacco products. The reduction of tobacco use will reduce the cost of the insurance plans and, most importantly, keep employees healthy.

If an employee does NOT certify they are a tobacco user and it is determined they are a tobacco user, they will be subject to penalties including, but not limited to a payment of the $75 surcharge, plus a 10% penalty for each month since the certification, and possible termination of benefits.

Cost

The cost for medical coverage is shared by you and the University System of Georgia. Your share of the cost is based on the medical plan you choose to participate in and the coverage level you select (employee only, employee + child, employee + spouse, family). Your share of the cost will be deducted from your paycheck on a pre-tax basis.

Election Changes

Due to restrictions imposed by the IRS code, after you make enrollment decisions during your initial eligibility or open enrollment, you cannot make changes during the remainder of the plan year (Jan. 1 to Dec. 31) unless a qualifying change in family status occurs. Please see the Family Status Change section for more information.

This information is provided for informational purposes only, and no warranty is provided for accuracy. The information summarizes medical plans available. It is not intended to cover all the details of each plan.