Medical Benefits
Fairleigh Dickinson University offers three medical plans to all eligible employees. These plans give participants the flexibility to go in or out of network without selecting a primary care physician or obtaining referrals.
All full-time, active, regular employees are eligible to participate on the 1st of the month following 30 days of continuous full time service. If a new employee does not enroll within this time period, they can enroll during the University’s open enrollment period or in the event of a life event (see the plan document for definition of life event).
Open enrollment occurs once a year during the month of November for an effective date of January 1. All full-time, active, regular employees may, at that time, join our health insurance program, or add dependents.
2026 Offerings
| Expense Types | POS | Mid Range POS | CDHP |
|---|---|---|---|
| In-network plan design | |||
| Deductible | $300/$600 | $500/$1,000 | $1,700/$3,400 |
| PCP visit | $35 | $45 | Deductible + coinsurance |
| Specialist visit | $45 | $55 | Deductible + coinsurance |
| Emergency Room | $100 | $100 | Deductible + coinsurance |
| Coinsurance | 100% | 80% | 80% |
| Outpatient Surg/Scopic and Maj Diag (xray/labs) | |||
| Freestanding Facility | 100% | 80% | Deductible + coinsurance |
| Hospital Outpatient | 100% | 80% | Deductible + coinsurance |
| OOP maximum | $3,500/$7,000 | $5,000/$10,000 | $3,000/$6,000 |
| Out-of-network plan design | |||
| Deductible | $1,000/$2,000 | $1,000/$2,000 | $3,000/$6,000 |
| Coinsurance | 60% | 60% | 60% |
| OOP maximum | $6,000/$12,000 | $6,000/$12,000 | $6,000/$12,000 |
| Prescription plan design | |||
| Retail Rx/Mail Rx | After deductible | ||
| Generic | $15/$30 | $20/$40 | $10/$20** |
| Brand | $35/$70 | $40/$80 | $25/$50** |
| Non-Formulary | $55/$110 | $60/$120 | $40/$80** |
| Annual Contributions | |||
| Employee Only | $3,563 | $3,314 | $1,134 |
| Employee + Child | $7,623 | $7,109 | $1,953 |
| Employee + Spouse | $8,114 | $7,558 | $2,358 |
| Family | $8,972 | $8,346 | $3,282 |
*Effective July 1, 2025, employees earning up to $43,818 who select the single coverage option pay a $0 premium. Please contact our benefits office at (201)-692-2707 for more information.
** co-pay amounts for union employees regardless of plan option.
For additional forms and resources, please log into www.fdubenefits.com
The Transparency in Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). The MRFs for the benefit package options under the Fairleigh Dickinson University Employee Benefits Plan can be found at Aetna Transparency in Coverage.