Welcome!

Employee benefits are more valuable than ever and are a significant part of your total compensation package. The resources and videos here are designed to provide you the information you need so you can identify which offerings are the best for you and your family.

Please take some time to review the information on this website. The videos provide a general overview of the benefits, while the documents provide more detail.

This site summarizes benefits under Divine Word College benefits program but is not a contract. Full details about the program are provided in legal plan documents and insurance contracts that govern the program. If there are differences between this site and those documents and contracts, the legal documents will control.

2025 Notices & Disclosures

Medical and Dental Benefits

Medica and dental coverage provides you and your family the protection you need for everyday health.

Qualifying Events

Employees must notify HR within 30 days of any of the following family status changes:

Marriage/Divorce
Birth/Adoption
Death
Loss of eligibility (e.g. dependent child turns 26, unmarried full-time student graduates, gets married, etc.)

Failure to notify HR in a timely manner may void COBRA rights!

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2025 Employee Benefits

Medical Benefits

We are proud to offer you a choice of different medical plans. Coverage includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle.

Carrier: Wellmark Blue Cross Blue Shield

Eligibility: Employees regularly scheduled to work 30+ hours per week

Waiting Period: 1^st of the month following date of hire date

MyWellmark Information

$5,000 PPO Plan 2	In-Network	Out-of-Network
Physician Office Visit	$35 Copayment Specialist: $70 Copayment	$105 Copayment Specialist: $210
Calendar Year Deductible	$5,000 Single / $10,000 Family	$15,000 Single / $30,000 Family
Coinsurance (Plan Pays / You Pay)	100% / 0%	100% / 0%
Out-of-Pocket Maximum	$5,000 Single / $10,000 Family	$15,000 Single / $30,000 Family
Annual Routine Physical	No cost sharing for preventive services	Coinsurance
Emergency Room Visits	$350 Copayment	$350 Copayment
Hospital Services	Deductible then Coinsurance	Deductible then Coinsurance

Summary of Benefits of Coverage

Coverage Manual

$2,000 PPO Plan 6	In-Network	Out-of-Network
Physician Office Visit	$20 Copayment Specialist: $40 Copayment	$60 Copayment Specialist: $120 Copayment
Calendar Year Deductible	$2,000 Single / $4,000 Family	$6,000 Single / $12,000 Family
Coinsurance (Plan Pays / You Pay)	100% / 0%	100% / 0%
Out-of-Pocket Maximum	$2,000 Single / $4,000 Family	$6,000 Single / $12,000 Family
Annual Routine Physical	No cost sharing for preventive services	Deductible then Coinsurance
Emergency Room Visits	$250 Copayment	$250 Copayment
Hospital Services	Deductible then Coinsruance	Deductible then Coinsurance

Summary of Benefits of Coverage

Coverage Manual

$3,000 PPO Plan 16	In-Network	Out-of-Network
Physician Office Visit	$25 Copayment Specialist: $50 Copayment	$75 Copayment Specialist: $150 Copayment
Calendar Year Deductible	$3,000 Single / $6,000 Family	$9,000 Single / $18,000 Family
Coinsurance (Plan Pays / You Pay)	100% / 0%	100% / 0%
Out-of-Pocket Maximum	$3,000 Single / $6,000 Family	$9,000 Single / $18,000 Family
Annual Routine Physical	No cost sharing for preventive services	Deductible then Coinsruance
Emergency Room Visits	$250 Copayment	$250 Copayment
Hospital Services	Deductible then Coinsruance	Deductble then Coinsurance

Summary of Benefits of Coverage

Coverage Manual

Medical Plan Premiums (Pre-tax)

Employee cost per month

Effective January 1, 2025

	$5,000 PPO Plan	$2,000 PPO Plan	$3,000 PPO Plan
Employee	$162.80	$204.77	$189.28
Employee + Spouse	$326.82	$412.77	$381.04
Employee + Child(ren)	$302.56	$382.01	$352.68
Family	$486.60	$615.42	$567.86

Pharmacy Benefits

$5,000 PPO Plan

$2,000 PPO Plan

$3,000 PPO Plan

Retail 30-day Supply

Tier 1: $15

Tier 2: $40

Tier 3: $85

Specialty Drugs: Covered

Tier 1: $10

Tier 2: $40

Tier 3: $80

Specialty Drugs: Covered

Tier 1: $10

Tier 2: $40

Tier 3: $80

Specialty Drugs: Covered

Mail- 90-Day Supply

3x Copays

Doctor on Demand

With Doctor on Demand, you have access to a full suite of services for primary care and urgent care needs.

Getting sick is bad enough without having to get out of bed to see a doctor. With Doctor on Demand, you and your family members can connect face-to-face with a board-certified doctor 24 hours a day, 7 days a week, 365 days a year. Get treatment for cold and flu, bronchitis and sinus infections, urinary tract infections, sore throats, allergies, fever, headache, pink eye, and skin conditions.

Doctor on Demand Copay:

$0 Copay

Doctor on Demand

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2025 Employee Benefits

Dental Benefits

As part of the comprehensive benefit package, we offer employees the option to select dental coverage for themselves and their dependents.

Eligibility: Employee scheduled 30+ hours per week

Waiting Period: 1^st of the month following date of hire date

Dental

Taking care of your oral health is essential. Focusing on prevention, early diagnosis, and treatment can significantly reduce your costs for restorative and emergency procedures.

Find a Provider Near You

Carrier: Wellmark Blue Dental

	In-Network	Out of Network
Deductible	$25 Single / $75 Family	$50 Single / $150 Family
Preventive & Diagnostic Cleanings, fluoride (under age 19), X-rays, topical sealant (under 15) and space maintainers(under age 15)	100% / 0%	100% / 0%
Basic Cavity repair, general anesthesia/sedation, emergency pain/infection relief, oral surgery, complex surgical procedures, complex extractions	90% / 10%	80% / 20%
Major Root canals, retrograde filings, direct pulp caps, gum & bone disease, periodontics, and endodontics	50% / 50%	50% / 50%
Orthodontia Dependent children are eligible	50% / 50% $2,000 Lifetime Maximum (Deductible does not apply)
Maximum Annual Benefit	$2,000 Per Person

Dental Plan Premiums (Pre-tax)

Employee cost per month

Effective January 1, 2025

Employee	$6.54
Employee + Spouse	$12.48
Employee + Child(ren)	$13.76
Family	$22.66

Dental Benefit Summary

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Welcome!

Medical and Dental Benefits

Qualifying Events

2025 Employee Benefits

Medical Benefits

Medical Plan Premiums (Pre-tax)

Pharmacy Benefits

Doctor on Demand

2025 Employee Benefits

Dental Benefits

Dental

Dental Plan Premiums (Pre-tax)