Health Care: The Union Difference
Before UE-COGS, the University’s only graduate employee health care plan was SHIP (Student Health Insurance Plan), offering meager catastrophic coverage and no preventive care. Since 1997, our union contract has made GradCare available to TAs and RAs and their families. GradCare is an affordable, comprehensive health and prescription drug plan. Our contract guarantees that the UI will cover 90% of the premium cost for single employees, and 70% of the premium cost for domestic partners, spouses, children, and families (see below).
For a more detailed description of coverages and co-pays, go to the university site.
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Plan Highlights
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Grad Care Coverage |
SHIP Coverage (“Student Health Insurance Plan”) |
|---|---|---|
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Routine Physical Exams
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Free
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Free
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Prescription Drugs (including contraceptives)
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You pay $7 or 25%, whichever is greater
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3-Tier Plan: 25% Generics, 30-50% Name Brands
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Routine Vision and Hearing Exams
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You pay $10 copayment (free at UIHC) |
Not Covered
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Mental Health Office Visit
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Free at UIHC or Wellmark Plan of Iowa Provider
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$10 copayment
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Office Calls
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$10 copayment
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$10 copayment
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Hospitalization and Surgeries
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You pay 10% after $125 daily deductible for room and 10% for all other services
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You pay 10% after $300 deductible and 10% for all other services
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Allergy Treatments and Chiropractic
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You pay $10 copayment
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You pay $15 copayment
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Lab Tests and X-rays
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You pay 10%
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You pay $15 copayment
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Emergency Services
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You pay 10% after $50 copayment
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You pay $50
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Annual Out-of-Pocket Maximum
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Annual cost to you capped at: $1,000 single/ $1,700 family; same rate for prescription drugs
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Annual cost to you capped at: $1,700 single/ $3,400 family; prescription drug cost to you capped at $1,000 single / $2,000 family |
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Monthly Cost to Employee
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Employee Only: $34.70 Employee + Partner: $219.00 Employee + Family: $433.50 |
Employee Only: $21.50 Employee + Partner: $356.40 Employee + Children: $325.20 Employee + Family: $453.60 |
Dental Care: The Union Difference
Another benefit made possible by our union is dental insurance. UI to pays 85% of the premium cost for employees who sign up for dental coverage. For graduate employees with dependents, the UI is required to pay 70% of the premium cost for dependent and family plans. Dental overview
Plan Highlights |
Delta Dental Coverage |
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Checkups; Diagnostic & Preventive Services
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Free
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Cavity Fillings, Oral Surgery, & Emergency Pain Treatment
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You pay 20% after $25 deductible ($75 deductible for family plans)
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Crowns, Inlays, Bridges, or Dentures
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You pay 50% after $25 deductible ($75 deductible for family plans)
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Maximum annual benefit (exclusive of accident care covered under UI GradCare plan)
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$1000 per person
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