Nearly a year after announcing controversial changes to faculty and staff health care benefits, including the introduction of coinsurance and an out-of-pocket deductible, Harvard University backtracked somewhat. Provost Alan M. Garber said in an email to faculty and staff that a new plan without deductibles and coinsurance is now available to nonunionized professors and staff members. The new, alternative point-of-service plan will have a higher premium but no deductible or coinsurance for in-network care -- hopefully appealing to those seeking predictable insurance costs, Garber wrote.
Harvard also removed deductibles and coinsurance for diagnostics labs and X-rays, which some faculty members objected to last year as barriers to seeking preventive care. Addressing concerns that the health care changes would disproportionately affect those at the lower end of the employee pay scale, the university is also shifting salary tiers upward -- meaning that employees who make less than $75,000 will be part of the lowest tier, up from $70,000, and eligible for lower premiums.
“The announcement of changes to be introduced with Harvard’s 2015 health plans stimulated considerable discussion and concern within the university community,” Garber said. “We have heard the views of many members of our community in open forums, online, and in a number of other informal meetings with individuals and groups. We deeply value the thoughtful comments and suggestions that we received.” Still, Garber said that health insurance premium rates for everyone will increase year over year, due to the rising cost of care.