Shenandoah University offers three options for primary health plans
Health Insurance is provided by Anthem Blue Cross/Blue Shield*
Health Plan 1
Anthems KeyCare PPO network plan offering in-network co pays: $25 for office visits, $35 specialists’ visits and urgent care with a deductible ($1,500 for single; $3,000 for family); Emergency room visits will be $500 copay (waived if admitted); $20/$50/$80/$150 for pharmacy. Most other services are covered at 80%.
Health Plan 2
Anthems KeyCare HDHP High-Deductible Health Plan. For 2026 This plan has a $1,700 /$3,400 deductible (in-network) with 80% coinsurance. This plan is eligible for an HSA, which is funded by Shenandoah University at the rates: $250 employee, $250 employee spouse, $750 employee child (1), $1000 family. Pharmacy is deductible, then 20%.
Health Plan 3
Anthems KeyCare ACA This base plan includes a higher deductible and copays to reduce barriers to care. An affordable premium based on the Affordable Care Act safe harbor requirement. This plan has a $5,500 employee only/$11,000 all other groups (employee + child (1), spouse, or family deductible (in-network)) with 70% coinsurance.
*In all of the plans listed above, annual exams and preventive tests performed at in-network providers are covered at 100%. NOTE: Lab work performed in office as part of a preventative exam is subject to copay and/or deductible.
Additional Health Benefits
Dental Coverage
Dental/Vision/Hearing Insurance *
Shenandoah University offers a combined Dental, Vision and Hearing plan provided by Healthgram.
Dental Insurance
100% coverage for diagnostic and preventive care, other services covered at 80% and 50%, a calendar year deductible of $50 for individual, $100 for family. There is a $1500.00 calendar year maximum benefit.
Orthodontia Coverage
Included up to $1500 lifetime maximum.
Hearing Coverage
Hearing Insurance
Provides reimbursement of up to $1,500 for hearing related expenses. Coverage includes hearing exam and/or appliances. Appliance co-pay $50.00 annually per individual.
Vision Coverage
Vision Insurance
Eye Exams covered @ 100%, a calendar year deductible of $50.00 individual and $100.00 for family applies to services and materials only, $150 maximum allowed per individual on an annual basis, applies to frames (2-year interval) Contacts or lenses (1-year interval), Lasik reimbursement of $500 per individual on an annual basis.
*Stand-alone rates are available for employees not enrolled in the Shenandoah University Healthcare plan.
Other Benefits Available
Flexible Spending Account Plan*
Based on Section 125 of the Internal Revenue Code, allows the employee to establish a Flexible Spending account to pay for eligible unreimbursed medical expenses and/or dependent care expenses on a before-tax basis. For 2026, amounts can be allocated up to $3,400 per calendar year for health care expenses and up to $7,500 per calendar year for dependent care expenses. Health FSA is only allowed with plan 1 and plan 3 health insurance. Dependent care accounts may be with any of the healthcare plans.
Health Savings Accounts*
An HSA is a tax-free savings account that works with a qualified health plan (Plan 2) to help you pay your insurance deductible and qualified out-of-pocket medical expenses. 2026 Contribution limits are $4,400 for individuals and $8,750 for families. An HSA allows for tax savings and is an investment that belongs to the employee that can be used for medical care expenses now or in the future.