Eligibility
Non-employee postdocs (i.e., VU Postdoctoral Scholar, Trainee) on training and fellowship grants (for whom no FICA is withheld) are eligible for the VU Postdoc Trainee Health Insurance Plan. The health insurance plan is administered by Academic Health Plans (AHP) and is Affordable Care Act compliant.
Dates of coverage are August 12, 2024 to August 11, 2025.
An early enrollment period is available for new trainees from July 1, 2024 - August 11, 2024.
VU Postdoctoral Scholar Trainees have access to Lyra Mental and Behavioral Health telehealth services and Virgin Pulse wellness service. VU Postdoctoral Scholar Trainees also have access to the Occupational Health Clinic and the Faculty/Staff Express Care Clinic. Additional information can be found on the Postdoc Health & Wellness Resources page. Postdocs are not eligible to use the services at the Student Health Center (SHC) or Work/Life Connections – VUMC EAP.
Postdoc Enrollment
- Postdocs must enroll for health insurance within 30 days of the hire date. To enroll: Contact your department staff administrator who must submit a Benefits Action Form via RedCap.
- Once the BAF is completed, it is automatically routed to the appropriate parties for approval.
- Postdocs are not billed directly for health insurance. The department or program is billed.
- The BAF is required for payment of premiums.
Enrolling Dependents
Postdocs may enroll their eligible dependents with an additional cost. Eligible dependents include:
- A married spouse (husband and wife) or children (under the age of 26).
- Domestic partners (same sex or opposite) are not covered.
- Postdocs must enroll dependents within two weeks of the effective start date on the BAF that your department administrator submits to OPA.
- Postdocs are not billed directly for dependent health insurance coverage. Your department is billed.
Coverage for eligible dependents must be purchased for the same time period as the postdoc's period of coverage and cannot exceed coverage purchased by the postdoc. For example, an individual enrolled for annual coverage has to purchase annual coverage for a dependent unless a qualifying event occurs (see Qualifying Events section below)
Benefits & Premium
- The VU Postdoc Trainee Health Insurance Plan will provide coverage from August 12, 2024 to August 11, 2025.
- Starting July 1, 2024, the AHP Web Portal will be live. Postdocs can access to review detailed information about your benefits and coverage.
- The new insurance carrier for the 2024-2025 plan year is UnitedHealthcare (UHC) Insurance Company.
2024 – 2025 Postdoc Rates
Programs/departments are billed for postdoc health insurance on a quarterly basis. The quarters and rates* are broken down as follows:
- Early Enrollment for NEW trainees: 7/1/2024 - 8/11/2024
- Q1: 8/12/23 – 11/11/23
- Q2: 11/12/23 – 2/11/24
- Q3: 2/12/24 – 5/11/24
- Q4: 5/12/24 – 8/11/24
Early Enrollment - $411 (cannot be prorated)
Trainee – $1,039.50/quarter or $4,158.00 annually
Spouse – $1,042.50/quarter or $4,159.80 annually
Dependents under 18 – $1,048.50/quarter or $4,185.36 annually (2x max)
Please note: Rates differ between quarter and annual plans for spouse and dependent coverage.
To Terminate Coverage
- The VU Postdoc Trainee Health Insurance Plan is an annual policy with four termination dates: December 31, April 30, May 30 and August 11.
- Termination can be accommodated other than the end of the quarterly period by prorating a monthly rate.
- To terminate coverage: Department administrators must complete a Benefits Action Form (BAF). Your department will continue to be charged until a termination BAF is received.
Qualifying Events
Postdoctoral Scholar Trainees can also add eligible dependent(s) if they experience one of the following qualifying events: (a) marriage, (b) birth of a child, (c) divorce, (d) if the dependent is entering the country for the first time, or (e) the dependent loses coverage under another health insurance.
Dental & Vision Insurance
- The 2024-2025 SHIP includes MetLife Dental PPO. The MetLife Dental PPO plan includes coverage for diagnostic evaluations/x-rays and preventative services at 100% as well as basic dental restorative at 80% and major restorative at 50%.
- SHIP will now include one adult eye exam per plan year and free eyeglasses through Academic Vision Care (AVC). Additional discounts are available through AVC Marketplace.
- MetLife Dental is offered as an Optional Dental Plan for those who waive SHIP coverage. Enrollment is open all year and can be canceled at any time. Coverage starts the first day of the following month after enrolling. Payment is required on the 20th of each month. Coverage will continue and will be charged until the postdoc cancels the optional vision even if the AHP health insurance coverage is terminated.
- Dental coverage is included in the medical plan for dependents under age 19.
NIH NRSA Childcare Supplements
For postdocs on NIH NRSA grants or fellowships, please review the childcare supplement information found at NIH Notice NOT-OD-21-177 (for institution training grants), NOT-OD-21-074 (individual fellowships) or speak with your grants manager.
Questions?
Information regarding student health insurance may also be found at https://vanderbiltpostdoc.myahpcare.com/.
Questions about insurance waivers, disenrollment, termination, or appeals should be directed to OPA@vanderbilt.edu.