Benefits Eligibility

Full time employees working at least 30 hours per week and their eligible dependents are permitted to participate in Xavier University's benefits program. To be eligible, dependents must reside within the United States and be defined as:

• Your legally married spouse bound by state, federal or international law.
• Your or your spouse’s biological child, stepchild, legally adopted child, child placed for adoption or child for whom you or your spouse are the legal guardian to the child’s 26th birthday.
• Your unmarried disabled adult dependent who lives with you and who is primarily dependent on you for support.
• Children covered under a Qualified Medical Child Support Order (QMCSO).

Proof of dependency is required when newly enrolling dependents and upon request. Examples of acceptable documentation include marriage certificate, birth certificate, adoption decree, court order, signed tax returns and physician’s statement for disabled dependents. Please note, Xavier University reserves the right to request proof of dependency at any time.

IRS Qualifying Life Events

After Open Enrollment, you are not permitted to make a change to your benefits unless you experience an IRS Qualifying Life Event (QLE). If you experience a QLE, you must notify the Office of Human Resources within 30 days of the event to make a corresponding change to your benefit elections.

IRS qualifying life events include, but may not be limited to:

1. Change in marital status (marriage, divorce, annulment or legal separation from a spouse);
2. Birth, adoption or placement for adoption;
3. Court judgments, decrees and orders that require medical coverage for a dependent child;
4. Change in employment status and gain of coverage eligibility under another employer’s plan;
5. Your dependent child no longer meets the eligibility requirements of a dependent;
6. Death of a dependent; or
7. You or your spouse become entitled to (eligible and enrolled in) Medicare.

If you experience a QLE, use these instructions to make the change(s) in BenefitFocus. You will also need to upload documentation of proof of the QLE.

HUB Contact

HUB International is Xavier's benefits broker. Their team is available to answer benefit questions as well as advocate for employees experiencing issues/questions with the benefit vendors. The HUB engagement team is available Monday-Friday from 8:30am-5:00pm and can be reached at HRT.HA.EEAdvocacy@hubinternational.com or 844-694-6726.

Medicare Eligibility

Being an informed healthcare consumer is being a wise healthcare consumer. On www.Medicare.gov, you will find a Medicare Plan Finder to compare plans, benefits and an estimated cost for each plan based on an average member. Below are some Medicare basics. However, the HUB Medicare team is also available to assist with Medicare questions, eligibility and plan comparisons. Their team can be reached at MedicareHUB@hubinternational.com or 844-972-0228.

Medicare Basics

Medicare is comprised of multiple parts. Part A is hospital insurance and generally provided at no cost. Part B is medical insurance to cover doctor services and outpatient care and Part D is prescription drug coverage. Parts B and D carry an additional monthly premium.

There is an Initial Enrollment period of 7 months which includes the 3 months prior to turning 65, the birth month, and the 3 months following the birth month. For individuals who do not enroll during their Initial Enrollment period, enrollment is delayed until the annual General Enrollment period (Part A and B) which is January 1 through March 31 and the annual Open Enrollment period (Part D) which is October 15 through December 7. Individuals who are 65 or older and receiving Social Security benefits are automatically enrolled in Part A. 

Please note, Xavier does not require Medicare enrollment. 

Things to consider if deferring enrollment:

• The IRS does not allow contributions to a Health Savings Account when enrolled in Medicare.
• Part A coverage begins six months before the date an individual applies for Medicare, but no earlier than the first month the individual was eligible. To avoid tax penalty, HSA contributions should be stopped at least 6 months prior to applying for Medicare.
• If Part D is not elected during the Initial Enrollment period, a late penalty may be assessed if the individual did not have creditable prescription coverage. Both the PPO and HDHP have creditable prescription coverage for 2024 and 2025.