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Human Resources

Medical

Employees must be hired into an eligible full-time classification to qualify for medical insurance, which are as follows:

  • Full-time Staff
  • Full-time Administrative Staff
  • Full-time Faculty
  • Full-time Visiting Faculty
  • Research Associate
  • Research Staff
  • Post-Doctorate Fellow

DMBA announced on August 5, 2024 there will be new medical plans beginning January 2025. EVERY EMPLOYEE MUST ELECT A NEW MEDICAL PLAN DURING OPEN ENROLLMENT.

Medical plans for 2024

There are four different medical insurance plans to choose from. These are provided by Deseret Mutual Benefits Administrators (DMBA).

Deseret Premier

Deseret Premier is a high-option national plan and covers you almost anywhere you go.  When receiving care from Deseret Premier contracted providers, the plan pays for 90% of most services and you are responsible for the remaining 10%.

Deseret Value

Deseret Value is a low-cost alternative to traditional plans.  When receiving care from Deseret Value contracted providers, the plan pays 70% of most services and you are responsible for the remaining 30%.

Deseret Select

Deseret Select is an EPO (Exclusive Provider Organization), provides comprehensive coverage and generally includes all hospitals affiliated with IHC (Intermountain Healthcare).  When receiving care from Deseret Select contracted providers, the plan pays 90% of most services and you are responsible for the remaining 10%.

Deseret Protect

Deseret Protect is a PPO (Preferred Provider Organization) has an annual deductible and provides minimum essential coverage.  When you receive care from Deseret Protect contracted providers, the plan pays 70% of most services and you are responsible for the remaining 30% after meeting your annual deductible.

Medical insurance can be waived, if desired. However, you will be required to enroll in Disability, Life (BGTL), and OAD&D.

Medical plans for 2025

DMBA will offer four different medical plans starting January 2025. You can sign up for these plans during open enrollment.

FSA-eligible Plans

DMBA PPO 90 Plan

DMBA PPO 90 plan is a high-option traditional plan. When receiving care from a in-network provider, the plan pays for 90% of most services and you are responsible for the remaining 10%. It does not have a deductible for in- network providers.

DMBA PPO 70 Plan

DMBA PPO 70 plan is a low-cost traditional plan. When receiving care from a in-network provider, the plan pays for 70% of most services an you are responsible for the remaining 30%. It does not have a deductible for in- network providers.

HSA-eligible Plans

DMBA HSA 80 Plan

DMBA HSA 80 Plan is a deductible plan. When receiving care from a in-network provider, the plan will pay 80% of most services AFTER you have met your deductible. Eligible preventive services from in-network providers are covered at 100% before you meet your deductible.

DMBA HSA 60 Plan

DMBA HSA 60 Plan is a low-cost deductible plan. When receiving care from a in-network provider, the plan will pay 60% of most services AFTER you have met your deductible. Eligible preventive services from in-network providers are covered at 100% before you meet your deductible.

Changing Medical Plans

Employees can change their medical plans in the following ways:

  • During open enrollment period every October 1 to October 31. The choices you make in open enrollment will be for the next calendar year starting January 1.
  • If you have a life changing event like a birth of a child or death in the family
  • If you lose medical coverage due to a change of employment
  • If you are planning on leaving the country for more than 90 days.

For more information, please see DMBA.com or contact Benefit Services at 801-422-4716.

Return to the Employee Benefits page.