Medical Coverage
As a benefits eligible Brandeis University employee, you have access to comprehensive medical coverage to protect you and your family from catastrophic medical costs. The University offers four medical plan options administered through Harvard Pilgrim Health Care from which you can choose. All plans use a network of doctors, hospitals and other health care providers to deliver high quality care.
Medical Plans
Visit the HPHC/Brandeis Microsite for details about each plan, including plan summaries, statement of benefits, and provider directories for 2025 and 2026.
- Medical Plans Comparison Charts- 2025 and 2026
- 2026 Semi-Monthly Exempt Medical Rates | 2026 WeeklyNon-Exempt Medical Rates
- OptumRx - prescription drug coverage
- Vision coverage through HPHC
2026 Best Buy HSA HMO
Best Buy HSA HMO is a High Deductible Health Plan (HDHP) and includes in-network coverage only. You must choose a primary care provider (PCP) and receive referrals to specialists within the HPHC network. The 2026 deductible of $2,000 for an individual and $4,000 for a family applies to both medical and pharmacy services. Additional copays may apply after deductible is met. The family deductible is an aggregate and not capped individually. A HDHP allows you to contribute and invest in a Health Savings Account HSA.
2026 Best Buy HMO
The BestBuy HMO plan includes in-network coverage only. You must choose a primary care provider (PCP) and receive referrals to specialists in the HPHC network. PCP and specialist office visits are covered with copays. A deductible of $1,000 per member/ $2,000 per family applies to non-routine services, labs and diagnostic testing, including hospital admission and day surgery. The out-of-pocket maximum is $5,000 per member/$10,000 per family.
2026 HMO
The HMO plan includes in-network coverage only. You must choose a primary care provider (PCP) and receive referrals to specialists. PCP and specialist office visits are covered with copays and in-network services are covered 100%.
2026 PPO
The PPO Plan provides coverage in and out of the service area along with in and out of network provider coverage. You are not required to choose a PCP for your care.
If you choose a provider within the HPHC network for covered services, you pay an office visit copayment. If you choose an out-of-network provider, you pay coinsurance for covered services after you meet the plan’s deductible.
For out of network coverage Harvard Pilgrim uses United Health Care's (UHC) nationwide network of healthcare providers is available. Your cost of services varies based on your use of that network.
There is both an individual and a family deductible for out-of-network care under this plan. You always have the choice to go to any provider, but you’ll pay less if you use a HPHC network doctor or hospital.
Note: Employees who reside outside of Massachusetts and who do not live within the HMO service area (New Hampshire, Maine, Rhode Island, Vermont and some parts of Connecticut) are not eligible to enroll in the HMO Plans. Your option for medical insurance coverage is the PPO Plan.
Need help choosing a plan?
- MyConnect: Call (866) 623-0184 - Your member advocate member service team that is your direct connection to HPHC for assistance with questions about your coverage.
- HYKE: An interactive tool to help guide you in making decisions about medical plans
Exempt vs. Non-Exempt Employees
The Fair Labor Standards Act (FLSA) exempts some employees from overtime pay and minimum wage.
Exempt employees are not subject to FLSA overtime regulations and are not entitled to overtime pay. Exempt employees usually hold administrative, professional, or executive positions. They're “exempt” from the Fair Labor Standards Act's (FLSA) overtime regulations and, therefore, are not entitled to overtime pay. At Brandeis paid semimonthly - twice a month- the 15th and last day of the month, which is 24 paychecks.
Nonexempt employees are subject to FLSA overtime regulations and are entitled to overtime pay for hours worked beyond 40 in a work week. Nonexempt employees are typically paid hourly and perform more manual or technical duties. Paid every Friday 52 paychecks, however health deductions are taken first 4 Fridays of each month or 48 deductions.
When does medical coverage begin?
Medical benefits are generally effective on the employee's first day of employment.
When does medical coverage end?
The date that your benefits will end depends on various factors. To learn more about end of benefits, visit End of Benefits Eligibility.
Who is eligible to be enrolled?
- Eligible Staff, Faculty, Postdocs
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Spouse
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Ex-spouse
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If you and your spouse divorce or legally separate, your former spouse may continue coverage as a dependent under your family coverage in accordance with Massachusetts law (documentation is required).
- Note: If you remarry, your former spouse’s coverage as a dependent under your family coverage will end. Your former spouse may be able continue coverage through COBRA. If your former spouse remarries, coverage will end unless continuation is required under federal law.
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Children. The term “children” includes the following individuals until their 26th birthday:
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your or your spouse’s natural child, stepchild, or legally adoptive child; or
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the child of your natural child, stepchild, or legally adoptive child;
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any other child for whom you have legal guardianship; or
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any other child who meets the IRS Code definition of your dependent or your spouse’s dependent
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A child who is over age 26 and resides with you or your spouse and became permanently physically or mentally disabled before age 26 and is incapable of supporting himself or herself due to a disability (dependent verification is required).
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Verification Required: Anyone requesting multi-tier coverage under a medical, dental or supplemental vision plan must submit a copy of a marriage certificate, a copy of a signed tax form, or other documentation, satisfactory to the Benefits Office, that confirms spouse status. Birth Certificates, adoption, guardianship documents are required for children.
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More Information
Nadynne Stamps
Benefits Specialist
stamps@brandeis.edu