Lion Advantage Flex Plan
COVID-Related Testing
COVID-related testing is not covered at 100% and will be subject to deductible and coinsurance under the Penn State medical plans.
We strongly encourage you to discuss with your physician the financial impact of any COVID testing that may be prescribed – certain tests can cost ~$1,500 or more, which will apply to your deductible and/or coinsurance amounts for the plan year.
One such test is Procedure Code (CPT) 0202U, which is a medical procedural code to detect multiple respiratory pathogen targets and is performed in the provider’s office. For example, instead of this costly test, you can avoid significant out of pocket costs by using an at-home COVID test. Your physician will make an appropriate recommendation based on your own health needs; however, you should be aware and discuss the cost implications before having a test.
Employees can contact the Penn State Highmark concierge customer service team at 844-945-5509 with further questions.
Lion Advantage Flex Plan Information
This plan is specifically for faculty, staff, and postdoctoral appointees who may already be enrolled in Medicare, or employees enrolled in Tricare or other health insurance. Keep in mind that if you will be turning age 65 in calendar year 2025 and enrolling in Medicare, you may want to also consider this plan option.
The Lion Advantage Flex plan is a high deductible health plan option with a lower employee contribution, which DOES NOT pair with a Health Savings Account (HSA).
Faculty, Staff, and Postdoctoral Scholars enrolled in this plan will be able to enroll in the pre-tax Health Care Flexible Savings Account (FSA) to help with medical expenses and reduce tax liability.
Postdoctoral Fellows are ineligible to participate in a FSA.
Below are important guidelines for participation in this plan.
- CANNOT have a J or F Visa because of deductible amounts; these Visa holders are eligible for the Lion Traditional plan only.
- CANNOT be classified as a Technical Service employee.
Below are details regarding the plan design. For more information regarding payroll contributions examples, please visit the Premium Comparison page with Health care Calculator.
Lion Advantage Flex - Detailed Coverage Chart
Lion Advantage Flex - Summary of Benefit Coverage (SBC)
Payroll Premium Contributions
| Coverage | Salary % | $30,000 | $40,000 | $55,000 | $75,000 | $85,000 | $100,000 | $140,000 | $175,000 | $200,000 |
|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 0.91% | $22.75 | $30.33 | $41.71 | $56.88 | $64.46 | $75.83 | $106.17 | $132.71 | $151.67 |
| Two-Person | 2.19% | $54.75 | $73.00 | $100.38 | $136.88 | $155.13 | $182.50 | $255.50 | $319.38 | $365.00 |
| Parent/Child(ren) | 2.03% | $50.75 | $67.67 | $93.04 | $126.88 | $143.79 | $169.17 | $236.83 | $296.04 | $338.33 |
| Family | 2.79% | $69.74 | $93.00 | $127.88 | $174.38 | $197.63 | $232.50 | $325.50 | $406.88 | $465.00 |