Health Insurance Plan

Fairmont State University, through the WV Public Employees Insurance Agency (PEIA), offers a choice of a preferred provider benefit plan (PPB), and managed care plans (HMO) for employees and their dependents health plan coverage. Employee premiums are based on annual base salary, coverage type (single or family), and the plan selected. Premium discounts available.  New hires have the month of hire and the following two months to select coverage. Coverage is effective the first of the month following the month of enrollment in the plan. Premiums are taken on a pre-tax basis.

View the latest Shoppers Guide for current plan benefits and premiums:
Visit the PEIA web site

• Premiums are decreased for non-tobacco users.
• Employees pay annual deductible and co-insurance amounts up to an annual out-of-pocket maximum. Both amounts are determined by annual salary.
• There are restrictions on traveling outside West Virginia to get medical care.
• Prescription drugs have a separate annual deductible and out-of-pocket maximum.
• PEIA PPB Plan D is for WV residents who receive all care in WV except for emergencies and service not provided in WV.

The PEIA Shopper's Guide can be found online:  www.wvpeia.com (Under forms & Downloads, click on Shopper's Guides)

PEIA Managed Care Plans (HMO)
HMO (Health Maintenance Organization) — HMO's manage health care for their members by coordinating the use of health care services through a network of primary care physicians.

The Health Plan - www.healthplan.org - (800) 624-6961

• Three managed care health plans are offered by PEIA
• Premium contributions are set by the managed care plan and are based on salary
• Premium discounts available for non-tobacco users. 
• Deductibles vary by plan
• Prescription coverage also varies by plan
• Primary Care Physician coordinates all health needs including all referrals.
• Emergency room treatment for “non-emergencies” are not covered.
• Treatment outside of the HMO network will not be covered unless it is due to an emergency.