Dartmouth College offers four medical insurance plans administered through Anthem Blue Cross and Blue Shield of New Hampshire and prescription coverage administered through CVS Caremark.
Medical Insurance Plan Options
Prescription Drug Coverage & Mail-Order Prescriptions
Making Changes to Your Medical Insurance
Understanding the Explanation of Benefits
You have the option of selecting one of three plans:
An overview of the three plans can be found on the Comparison Chart. For more detail, you should refer to the Subscriber Certificate of the appropriate plan.
When reviewing the Comparison Chart and information on this page, you may find it useful to refer to the Benefits Terminology and Definitions.
If you are having difficulty choosing a plan, you may find that the Benefit Plan Decision Guide or the Overview of Benefit Plans will help you choose the most appropriate plan for you and your family.
The cost of your medical insurance is determined by your benefit plan and you should refer to the Enrollment Booklet for more information on the costs associated with this coverage:
DartFlex and Union employees may also use the online Employee Contribution Estimator to help determine the cost of medical insurance.
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With the implementation of the Health Care Reform Bill, preventive care services are available to you at no cost (i.e. no co-pay, deductible, or coinsurance). The United States government has determined the list of preventive care services and further information is available at the links below:
Prescription drugs are covered according to the medical plan that you elect.
CVS Caremark (for those on the BlueChoice [POS], Preferred Blue [PPO], and Dartmouth College Medicare Supplemental [DCMS] Plans)
CVS Caremark replaced Anthem/Express Scripts as our Pharmacy Benefit Administrator for the BlueChoice (POS), Preferred Blue (PPO), and Dartmouth College Medicare Supplemental (DCMS) health plans on January 1, 2012. Employees on the High Deductible Health (Indemnity) Plan remain with Anthem/Express Scripts this year.
What does this change mean for those using CVS Caremark?
Anthem/Express Scripts (for those on the High Deductible Health [Indemnity] Plan):
Under the Indemnity plan, all prescription drugs count toward your deductible and are covered once your deductible has been met. On this plan, you must pay your prescription costs up front and will receive reimbursement for the costs upon meeting your deductible.
To determine the cost of your prescription, you may go to Anthem's website, contact Anthem, or contact your pharmacy.
Mail-Order Prescriptions
Mail-Order Prescription services are also offered, allowing you to receive 90-days of your maintenance medication(s) at a reduced cost. It is important to remember that the process of setting up a new mail-order prescription may take up to 30 days, so you will want to ensure that you have a supply of your medication on hand when starting the process of setting up your mail-order prescriptions.
If you would like to enroll in the mail-order program, you should do one of the following:
Vision care is covered as part of your medical insurance. Preventive care services cover an annual eye exam at no cost (i.e. no co-pay, deductible, or coinsurance).
Corrective lenses (ex. glasses or contact lenses) are not covered. A $40 reimbursement toward corrective lenses is offered on the Blue Choice Plan. If you are enrolled in the dental plan, you may also be eligible for vision discounts. More information is available on the Dental Insurance page.
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When you enroll in one of Dartmouth's medical insurance plans, you have the option of submitting for up to a $200 reimbursement as part of the Fitness Reimbursement Program.
For the overall health and wellness of all Dartmouth employees and covered dependents, you can receive enhanced smoking cessation benefits through any of Dartmouth's health plans.
Prescription nicotine therapy drugs (e.g., Buproprion SR and Chantix) and Nicotine Replacement Therapies (NRTs) are available without a copay. Over-the-counter treatments such as patches, inhalers, and nasal sprays are now eligible for full reimbursement.
Effective January 1, 2012, CVS Caremark became the Pharmacy Benefit Management (PBM) administration for those on the Blue Choice (POS), Preferred Blue (PPO), and Darmouth Medicare Supplemental (DCMS) plans. [Note: Those on the DCMS plans are primarily retirees]. Those on the High Deductible Health (Indemnity) plan will remain with Anthem/Express Scripts for pharmacy & prescription needs.
CVS Caremark (for POS, PPO, and DCMS plans): Present your CVS Caremark ID card to the pharmacist. A prescription is required for the over-the-counter items to be processed.
Anthem/Express Scripts (for Indemnity plan): Present your Anthem ID card to the pharmacist and make sure the pharmacist codes the prescription as a smoking cessation product. Click here for Anthem's Smoking Cessation reimbursement information and form.
An Infertility Reimbursement is available for expenses not covered by your medical plan. Details on the program are available here. It is recommended that you contact Anthem prior to submitting for reimbursement to find out what benefits are covered by your medical plan.
You may only elect or make changes to your medical insurance as a new hire, as part of Open Enrollment, or with a qualifying Status Change Event.
Retirees under age 65 may elect the Indemnity, Blue Choice, or Preferred Blue Plans and be eligible for all benefits outlined on this page.
Retirees over age 65 may elect the Dartmouth College Medicare Supplement Plan. More information is available here.
For more information, please refer to the Retiree Enrollment Booklet.
If you are new to the area, or new to Anthem, you may need assistance finding a healthcare provider. There are a number of ways that may assist you in doing this:
In your search for a provider, you should remember to ask the following:
When you seek services, Anthem may send you a document called an Explanation of Benefits (EOBs). This is not a bill for services. This document may assist you in understanding how to read your Explanation of Benefits. If you have further questions, you should contact Anthem.
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All forms can be found on the Human Resources website in the Forms section.
Commonly used provider forms are below:
Fitness Reimbursement Log Card
Fitness Reimbursement Request FormIncapacitated Dependent Certification Form
International Claim Form (Anthem)Mail-Order Prescription Form (Express Scripts)
Prescription Drug Claim Form (Express Scripts)
Smoking Cessation Prescription Reimbursement Form
Subscriber Claim Form (Anthem)
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The following list of resources may be beneficial to some employees:
E-mail: human.resources.benefits@dartmouth.edu
Phone: (603) 646-3588
Fax: (604) 646-1108
For questions on your membership, coverage, or to request new ID cards, you should contact Anthem.
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Phone: 1-800-437-9282
Mail: 3000 Goffs Falls Road, Manchester, NH 03111
To mail claims: PO Box 660, North Haven, CT 06473-0660
Website: http://www.anthem.com/
Phone: 1-855-465-0032
Website: http://www.caremark.com/dartmouth
