Health Insurance

Available Health Plans

The Office of Group Benefits (OGB) offers three options for health care coverage. Eligible employees choose from one of the following health plans: the preferred provider organization (PPO) and the exclusive provider organization (EPO).  As an alternative to the health portion of the Group Benefits Plan, health maintenance organizations (HMO) and the Definity Health Plan are offered to eligible employees.  Eligible employees who are retired from the military may also be eligible for the TRICARE Supplemental Medical Plan.

• Preferred Provider Organization (PPO)
• Administered by the Office of Group Benefits
• Exclusive Provider Organization (EPO)
• Administered by United Healthcare
• Health Maintenance Organization (HMO)
• Administered by Humana
• LSU First
• A consumer-driven health plan administered by the LSU System
• LSU First Web site
Health Insurance Plan Rates - Click here for a chart of premiums for all of the health insurance plans.


Health Plan Summary and Comparison Chart - Click here for a comparison of the available health plans.


Eligibility for Enrollment

Employees appointed for more than 120 days and 75% of full-time or greater are eligible for enrollment.


Effective Date of Coverage
• New employees have 30 days to either enroll for or waive coverage; however, an employee cannot be paid until an election is made. Coverage is effective on the first day of the month after completion of one full calendar month of employment.
• Employees who do not enroll for coverage within the first 30 days of employment may later pick up coverage as a late applicant.
• New employees and late applicants may be subject to pre-existing condition limitations.

Insurance Forms

• Enrollment Forms
• Office of Group Benefits (GB-01) Enrollment/Change Form
• Pre-existing Condition
• Insurance Portability
• Tax Saver Status Change Form

Vesting Schedule - When an employee retires, the health insurance premium portion paid by the state is determined by the number of years the employee has participated in any of the health plans under the Office of  Group Benefits umbrella. This is called vesting and the vesting schedule is as follows:

Years of Participation	Percentage of State Subsidy
10 years or fewer	19%
More than 10 years; fewer than 15 years	38%
More than 15 years; fewer than 20 years	56%
20 years or more	75%

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Notes about vesting:

• A retiree must be enrolled for coverage as an employee at the time of retirement to be eligible for medical coverage.
• Employees who had coverage prior to January 1, 2002, and continued coverage into retirement are grandfathered with the state paying the maximum state subsidy.
• For those beginning participation or rejoining on or after January 1, 2002, the state subsidy of the premium is based on the number of years the employee participated.