Changes in Student Health Insurance: 2017-2018

Graduate students may recall receiving an email back in April about changes in the Penn State Student Health Insurance Plan for the upcoming academic year. Here’s a breakdown of what is staying the same, what’s changing, and what you can do to prepare. Need a crash course on the basics of health insurance? Check out this video.
 

 The basic benefit package remains the same.

  • Deductibles (the amount of money you have to pay out-of-pocket before the insurer starts to reimburse you) differ depending on whether your policy is for a single person or a family.

    • The deductible for an individual is still $250.

    • The deductible for a family is still $500.

  • Coinsurance payments (the percentage of the cost covered by the insurance company) remain the same, depending on whether the provider is in- or out-of-network.

    • If you are seeing a provider who is in-network, United covers 90% of the bill.

    • If you are seeing a provider who is out-of-network, United covers 70% of the bill.

  • Out-of-pocket maximum (the most you are required to pay each year in deductibles, copays, and coinsurances) remain the same, depending on whether the provider is in- or out-of-network, and who is covered by the policy.

    • For a single person, the out-of-pocket maximum with in-network providers is $1,300. The out-of-pocket maximum with out-of-network providers is $15,000.

    • For a family, the out-of-pocket maximum with in-network providers is $2,600. The out-of-pocket maximum with out-of-network providers is $30,000.

If your sole experience with the healthcare system involves going to UHS, then you won’t notice any changes in your health insurance coverage. Everything provided at UHS will continue to be covered at 100%. There is still no copay at the UHS pharmacy.

Premiums are going up.

But the increase isn’t extreme if you have an assistantship. The cost of a single student’s plan will increase from $3,296 to $3,418. If you have an assistantship, Penn State subsidizes your health insurance at 80%, so the total cost to you is $683.20, which is $24.40 more than last year. Premiums are automatically deducted from monthly paychecks. Below are the deductions that will appear on your paycheck, and the change from last year. [Note: Premiums are higher in the spring semester to pay for health insurance coverage throughout the summer.]

Household type

Fall Semester (Sept. – Dec.)

Spring Semester (Jan. – May)

Single student

$67.60

-$1.40

$82.64

+$6.00

Student and spouse

$152.10

-$3.15

$185.94

+$13.50

Student and child

$152.10

-$3.15

$185.94

+$13.50

Student and children

$229.84

-$4.76

$280.96

+$20.40

Family (child)

$229.84

-$4.76

$280.96

+$20.40

Family (children)

$310.96

-$6.44

$380.12

+$27.60

We are changing health insurance providers.

The student health insurance will be provided through United HealthCare instead of Aetna, which may mean that some of your providers that were in-network become out-of-network. Many of the providers that accept one type of insurance also accept the other, but this is not always the case. It important to double-check to make sure your provider is in-network with United, or you will be paying the out-of-network costs (Remember: United covers 90% of the cost of in-network visits, but only 30% of out-of-network visits).

So, how can you avoid expensive medical bills because of out-of-network providers? Here are several steps you can take to make sure you are getting the most out of your health insurance.

  • Call your provider and ask them! Your provider, or someone in their office, should know if they accept United HealthCare. Talk to your providers now so you can be prepared when the insurance coverage changes.

  • Search United HealthCare’s website. Visit this website to see if your provider is currently in-network. Click on “UHC Choice Plus” to search for doctors, tests and imaging centers, and other services that are in-network. To search for mental health care providers, click on “United Behavioral Health.”

  • Check the provider directory. CGE has created a pdf directory of the healthcare providers and facilities that are considered in-network as of August 3, 2017. The information in these directories is always changing, so check the website for the most up-to-date information. Also note that the provider directory does not include mental health care providers.

  • If your provider is not in-network, ask them if they would be willing to participate. They may be in the process to be credentialed (i.e. become in-network) – it takes a while to sort out the details. You can also nominate your provider by contacting United HealthCare.

International students have more limited options.

International graduate students must either demonstrate proof of insurance for themselves by submitting a waiver application, or purchase the Penn State Student Health Insurance plan. The following will no longer be considered adequate coverage to receive a waiver:

  • Short-term International Standards Organization plans

  • Health insurance plans through Student Medicover

You can find out more details on the new requirements for student health insurance plans here. If you have any questions about these changes, or run into any problems, let CGE know about it. We want health insurance that works for all graduate students!

An International Student’s Guide to Unionization

Can international graduate students unionize?

Yes! Many graduate employee unions include large numbers of international graduate employees, not only as members, but as leaders who advocate for improved working conditions. Benefits of unionization like stable healthcare and summer funding may be of special importance to international graduate student workers.

Will supporting the union affect my visa status?

Unionization will not affect your visa status. All workers on nonimmigrant visas (including student visas) in the United States are able to unionize and are protected by the same laws as US citizens when it comes to speaking up about your rights. This means that you cannot be fired from your position due to your support of the union, and retaliation for any union activity is against the law.  

What have graduate unions done for international students?

A number of graduate student unions have formed committees to address issues specific to international student employees and have won enforceable improvements in their contracts. Below are some of the successes that graduate employee unions have won for international graduate employees.

  • A smoother tax procedure: At Columbia University, graduate employees mobilized to make the  complicated process of filing taxes more manageable for international graduate employees. There, international students experienced a massive delay in receiving tax returns and the University was slow to act. The international student working group of the Graduate Workers of Columbia University mobilized their membership and collected over 1,000 signatures on a petition demanding action and successfully pressured the university to take action.

  • Elimination of visa fees: At the University of Washington, the graduate employees have won language in their union contract that prevents the university from imposing visa fees on international graduate students, including those who are not currently working as graduate assistants. This encompasses any fees associated with visas, including SEVIS fees. At the University of Massachusetts Amherst, graduate workers utilized the union grievance procedure (see below) to argue that forcing international students to pay fees that US citizens do not pay was discriminatory. The decision was upheld by a third-party arbitrator and the university was ordered to refund all students who had paid the fee.

  • Expedited grievance procedures for unjust terminations: For international students whose visas are tied to their academic program status, being forced out of a program may be especially devastating and often means leaving the country. The union grievance procedure is a formal process that allows workers who have been unjustly terminated to fight back in a timely way before having to leave the US. Graduate employees also may request union representation during the grievance process, which means that they do not have to navigate the process alone. Graduate students at the University of Connecticut have negotiated such protections, and postdoctoral scholars have won expedited grievance procedures in their contract at UMass Amherst.  

  • Access for undocumented graduate students: Graduate Students at the University of California have also won protections and equal opportunity guarantees for undocumented graduate student workers in their union contracts, such as equal access to teaching assistant and graduate student instructor positions and equal opportunity in career development support.

  • Influenced US immigration policy beyond the university: Through our collective power, graduate worker unions have had a powerful voice in shaping US immigration policies that directly affect international graduate students. The graduate student union at Columbia helped protect the the 17 month Optional Professional Training (OPT) program for STEM graduates (which exists in addition to the 12 month OPT program) by submitting comments to the Department of Homeland Security. This is the primary way that international graduate students secure work authorization in the US after graduation and before moving to another visa category, such as an H1-B. Graduate worker unions also helped block the recent discriminatory muslim ban by filing documents with the courts in Washington State, which led to a district court decision that was key in overturning the ban at the federal level. Graduate student unions at the University of California and at the University of Washington have also played an active role in mobilizing for DREAM Act legislation at the state level.

What can a graduate employee union do for international graduate students here at Penn State?

Many international students here on campus were recently affected by an abrupt and confusing change in travel policies after the initial executive order. In response, President Barron vaguely advised all international members of the campus community not to travel. At the University of Washington, the graduate worker union demanded that any such changes be subject to bargaining, meaning that all graduate workers would have a voice in determining policies and their impact. A graduate employee union at Penn State could protect international graduate students’ legal rights and be a platform from which they can advocate for a more welcoming Penn State.

 

Additional Information:

 

Graduate Unions Across the Country

CGE at Penn State joins a long and illustrious history of graduate employees demanding a say in their working conditions. In Pennsylvania alone, we join Temple University, who won their case at the Pennsylvania Labor Relations Board and were officially declared employees in 2001. As we continue striving for representation, better working conditions, and solidarity at Penn State, we’d like to take a look at the victories of other successful graduate unions across the country.

Contracts (University of Iowa)

  • Graduate employee union contracts cover a number of benefits for their members, and the graduate employees at the University of Iowa’s benefits have increased substantially since their union formed in 1996. In their first contract in 1996, they won a base salary increase, legal grievance procedure, health care plan, and clear policies regarding sick leave, family illness leave, bereavement leave, and time off over breaks between semesters. In the following years, they bargained for affordable dental care, mental health care, transparent summer pay rates, and legal representation in cases of workplace discrimination. The contract also protected salaries and health insurance against the nationwide university budget cuts in 2002-2003. Since then, their contract has continuously evolved to better protect and serve graduate employees.

Health Care (University of Missouri)

Representation in the Case of Sexual Harassment (University of Connecticut)

  • The graduate employee union at the University of Connecticut recently saw a success with regards to legal representation in a case of sexual harassment. After going through the university sanctioned process to report sexual harassment from a professor, one graduate student was told that she could not be believed because there was not sufficient evidence. Lacking both university and departmental support, the woman could not imagine continuing grad school, nor did she have job prospects if she were to quit. She turned to the graduate employee union. The union provided legal support, an outside grievance process, a third party for mediation, and the solidarity necessary for the woman to continue her studies at UConn.

Tuition Waiver Protection (University of Illinois Urbana-Champaign)

  • After first seeing  their tuition waivers threatened in 2009, the unionized graduate employees of the University of Illinois Urbana-Champaign won protection for tuition waivers in 2013, guaranteeing that graduate employees won't need to pay for the education necessary to teach and research.

Recognition of Labor (University of Michigan)

  • The graduate employee union at the University of Michigan agreed on a contract with the university just last week. After three sit-ins and months of negotiation, the graduate employees have won a number of benefits including pay for the labor they do for the university’s diversity programs and an annual wage increase of 3.35% for the next three years.

These victories show that solidarity works in demanding fair treatment from the university. CGE continues to celebrate the successes of our fellow graduate employee organizations, and we hope to see similar victories for Penn State in the future. As united graduate employees across the US have already demonstrated, a better university is possible.

If you have any questions or want to get involved, come to our Coffee Hours at Websters on Wednesday from 3-6 or one of our open meetings every other Tuesday at 6 in the Municipal Building.

Demystifying Pennsylvania Graduate Union Legislation

Graduate employee unions are not new to the state of Pennsylvania. The path to graduate unionization, as cleared by Temple University’s legal precedent in 2000, is a democratic one. Here, we will demystify what that process should look like and what has changed since the university decided to block that path.

The process:

  • A group of interested graduate employees (CGE in this case) collects cards with signatures from other graduate employees showing interest in holding a vote for a union.

  • CGE submits those cards to the Pennsylvania Labor Relations Board (PLRB), who confirms the card count.

  • The PLRB holds a conference call with the organizing graduate body and the university to identify who will be in the union.

  • If both parties are in agreement, it moves on to an election. If there is a disagreement, it goes to a hearing in front of the PLRB.

Updates:

As many of you may know, CGE completed the card collection in February and filed with PLRB for a vote. The conference call was held on April 6th. During this call, the university challenged the fact that we are employees, thus challenging our right to form a union. The next step will be a hearing at the PLRB. When Temple University took the matter to the PLRB in 2000, the board ruled unequivocally that “graduate assistants are ‘employees’ […] and may properly exercise collective bargaining rights in relation to wages, hours and working conditions.” After the PLRB ruled in their favor, Temple graduate employees voted 94% to 6% in favor of unionization. We anticipate that this precedent will work in our favor.

We are frustrated that the university is delaying the process. We hoped that the many cards demonstrating graduate employee interest in a democratic vote would be enough to show the university that we can — and should — decide for ourselves whether a union is right for graduate employees at Penn State. In accordance with our values of openness and solidarity, we at CGE will continue respecting our fellow graduate employees’ ability to make decisions by demystifying the legal process and providing resources for learning about unionization.

If you have any further questions, please join us at our open meeting on Tuesday, April 11th at 6PM in the Municipal building (room 220) or at our coffee hours on Wednesday, April 18th from 3-6 at Websters. More information about these events can be found here and on our facebook page.

Is This What Open Dialogue Looks Like?

In a disappointing phone call on April 6th to determine the right of graduate assistants to organize between the Penn State administration, the Pennsylvania Labor Relations Board (PLRB), and the Pennsylvania State Education Association (PSEA), we learned that Penn State plans to double down on their argument that graduate employees are NOT employees. They plan to challenge the legal precedent classifying graduate assistants as employees and allowing them to unionize. In 2001, Temple University graduate employees voted to unionize. When the PLRB ruled in support of this right to vote, administration at Temple chose to accept the decision rather than continue obstructing their graduate employees’ rights.

By challenging this decision in court, Penn State is making an aggressive and costly move to prevent graduate employees from having a fair voice in their workplace. Essentially, Penn State administration is attempting to overturn a well established legal precedent for the sake of further delaying our right to vote on a union. This week, the Penn State community received emails from both President Barron and Graduate Dean Younken. Both expressed an explicit desire to maintain open dialogue with graduate employees. As graduate employees looking for a seat at the table where administrators make decisions about our lives and our workplaces, we could not agree more. We are disappointed that administration continues to refuse to recognize our labor by acknowledging our status as employees.

Further, we are frustrated that the administration does not respect our right to decide amongst ourselves by holding a vote on unionization. After a year of campaigning and talking to graduate employees, we collected hundreds of signatures declaring support for a vote on unionization. As Dean Younken wrote in her email, “as scholars pursuing advanced degrees, your training emphasizes drawing conclusions based upon facts, and evidence-based decision-making.” We hope that the administration begins to respect our ability to research, our intellectual labor, and our right to a democratic process by ceasing to obstruct our path to a vote.

Going forward, CGE remains committed to strengthening our organization by continuing to foster relationships with other graduate employees and employee advocacy groups on campus. Though we are frustrated that the administration continues to deny our right to a free and fair election to unionize and has chosen to take the drastic step to obstruct this democratic process, we will continue to foster solidarity amongst our fellow graduate employees. As always, in keeping with our value of open dialogue, CGE remains willing to meet with President Barron to discuss how we can proceed in an amicable and mutually respectful manner.

Reply All: “Graduate Student Union”

"Penn State's valued relationship with its graduate students: President Eric Barron's letter to the University community. April 3, 2017."

What an appropriate choice of date. Three years ago today, many of those fighting for union representation of graduate employees were on the Old Main lawn, rallying to protect affordable health care for students.

"A group seeking to represent all graduate assistants and fellows at Penn State filed a petition on Feb. 22, 2017, for union representation with the Pennsylvania Labor Relations Board (PLRB)."

A group of graduate employees delivered the signatures of graduate employees in a petition to allow us to vote on whether to be represented by a union. Specifically, we sought out the Pennsylvania State Education Association for their experience representing educators and the resources they’ve made available to the student body leadership. CGE remains, first and foremost, a group of Penn State graduate employees.

"Universities are marketplaces of free ideas and expression, and I encourage an open dialogue about graduate student unionization at Penn State. As we begin to discuss these issues, I want to convey a few thoughts to the Penn State community about the University’s view on how graduate student unionization impacts Penn State's academic mission."

Only university administration can disseminate information through means such as mass emails to the entire Penn State  community (like this message), top headlines in Penn State News (like  this morning’s), or official graduate school FAQs and email addresses (see below). If they choose to leverage this power in attempt to sway a union election, they are not promoting open dialogue, but are instead disseminating one-sided information. Despite our having an active web page and social media presence, there are no links to the CGE or even mention of us by name in the email. Further, President Barron’s refusal to meet with us certainly does not constitute the “open dialogue” he claims to encourage.

"As a public research university, Penn State is committed to the successful intellectual and professional development of its graduate students. We view our graduate students as students first and foremost. They are our mentees, future scholars and, potentially, our future colleagues. Penn State does not oppose the concept of unions or the unionization of employees. However, the University’s relationship with our students is fundamentally different from that of an employer and employee. For this reason, Penn State opposes this petition for representation with the PLRB."

Here, Penn State runs counter to both the National and Pennsylvania Labor Relations Boards who have declared that graduate assistants are both students and employees because they do work, get paid, and contribute substantially to the mission of the university. The university claims to know the needs of graduate employees better than the employees themselves. Furthermore, Penn State is not respecting the right of graduate employees to deliberate and decide amongst themselves by remaining neutral.

"Graduate students are integral to the Penn State educational experience, and graduate student unionization has the potential to impact not only current students at Penn State, but also students for decades to come and the community as a whole. I hope everyone within the Penn State community will take the opportunity to become informed about the topic of graduate student unionization. Many resources are available, including those on gradfacts.psu.edu/union."

We do hope that a graduate employee union will impact future students at Penn State. With union support, future graduate employees might hold some power in the decision-making processes that directly affect their lives such as changes in health care, stipends, child care, teaching loads, and transportation. We also hope that a union would make graduate work at Penn State accessible and welcoming for all students regardless of their individual needs. The resources provided by the administration, however, do not acknowledge these benefits of graduate employee solidarity, but rather present a biased view of what unions would mean for administration.

"We are proud of our graduate students and the numerous ways in which they contribute to Penn State and the community. When aspiring graduate students apply for admission to Penn State, they are accepted based on their outstanding academic achievements, their scholarly and professional interests and, as a hallmark of graduate education, their individuality. Our programs are tailored to the individual students within them, and our faculty work collaboratively with their students to advise and support them in their learning and research endeavors. During my time as a graduate student, the most seminal experiences of my graduate career were interactions with faculty as mentors and collaborators."

President Barron chooses not to mention the fact that an increasing portion of the university's labor is conducted by graduate employees and lecturers. Departments are quite intentional in recruiting students who will meet the needs of their labs/courses/etc. While they do not recognize our status as employees, we make up much of the labor force as teachers and researchers. Like administration, we also believe in the benefit of healthy collaboration with faculty. Solidarity amongst graduate employees would ensure that these relationships with faculty remain safe and fair while maintaining their intellectual rigor.

"While we understand that there may be issues upon which we can improve, we are committed to doing so in ways that best protect the varying needs of our diverse graduate student population. We do not believe a collective bargaining agreement with a union – which is designed to serve the interests of a collective whole and the union itself, rather than individual students – could ever best serve the needs of our graduate students or the University. In fact, we believe it could impede the academic and mentoring relationships Penn State has with its graduate students."

The university ignores the fundamental principles of unionization: fair representation, equal bargaining rights, and protections for individual employees that do not rely on the voluntary cooperation of the institution in admitting and remedying their faults. They assume that a collective organization made up of graduate employees will represent the individual interests of those employees less adequately than the administration employing them, while insinuating that organizers are some sort of outside interest group, which is not the case. Furthermore, the university ignores the body of evidence that shows that graduate unions improve the work environment for individual members.

"If anyone has questions or concerns about unionization or any other matter impacting our graduate students, please visit gradfacts.psu.edu/union or reach out to gradinfo@psu.edu.

Sincerely,

Eric J. Barron, President"

We at CGE believe that you deserve open dialogue with your administration. We have provided resources here and on our blog to better understand the slanted information that the university has provided on these sites. We would also encourage you to do your own research (one of the things graduate employees do best) if you wish. And if you do have questions about CGE, we’d love to hear from you.

Unions Secure Academic Freedoms

Academic freedom is one of the most valued rights of academics, whether graduate employees, postdoctoral researchers, or faculty. Strong protections for free inquiry are essential to the mission of a University; when researchers and scholars face reprisal for or restriction upon their right to make controversial arguments, it’s a damage to all of us who benefit from academic debates.

Given the aforementioned importance of academic freedom, it’s no surprise that academic administrators have raised the question of academic freedom in the debate over unionization. In the Columbia case, Ivy League schools jointly filed an amicus brief claiming that unionization intruded upon academic freedom.

Amicus Brief

AcademicFreedom1

It’s an argument that has some resonance. Academics strongly value academic freedom, and wish to ensure that it’s protected. Hearing that it might be interfered with is rightly concerning.

So what are the merits to this argument?

Tellingly, the Ivy League schools were unable to find a single concrete example of unions interfering in academic freedoms over the course of the 40+ year history of graduate unions, raising serious doubt about the validity of the claim. In fact, the contracts of faculty and graduate employee unions tell an altogether different story.

Pennsylvania State System Faculty Contract

Pennsylvania State System Faculty Contract

 

University of Montana Graduate Employee Contract

University of Montana Graduate Employee Contract

Contracts can provide stronger guarantees of academic freedom. This is demonstrated by Montana’s extension of faculty rights to graduate employees, and by the excerpt from APSCUF’s extensive contract language guaranteeing broad academic freedoms. It’s also demonstrated by peer-reviewed research. Cornell’s School of Industrial and Labor Relations produced a landmark study, affirmed by the NLRB’s decision in the Columbia case, that found that “[unionized] graduate students report equal or better levels of academic freedom as do those who are not [unionized]”. Peer-reviewed research demonstrates that graduate students represented by unions feel equally or more secure in their academic freedom than those who are not. 

Our union believes bargained and enforceable protections for academic freedom are sorely needed; one need only look at the AAUP list of censured colleges and universities to see that administrators are all too willing to violate principles of academic freedom when it suits their convenience. Those protections can only be truly guaranteed by collective action and bargaining together.

Support for Preferred Gender Identity and Name Policy

CGE fully supports the newly proposed policy on preferred names and gender identity that will be presented at the upcoming Penn State Faculty Senate meeting. By providing simple and easy ways for members of the Penn State community to indicate preferred names and gender, this policy helps cultivate a Penn State that is welcoming to all individuals.

At the same time, we recognize more can be done here at Penn State to ensure the protection and privacy of LGBT+ individuals. We look forward to working with Penn State administrators and the Penn State community at large to make sure that Penn State is truly “All-In.”

$28 an hour?

$28 dollars an hour. That’s what Penn State’s Graduate School claims that graduate assistants make. It sounds good on paper, but it’s a number that would surprise a lot of graduate assistants. It simply doesn’t match up with our experience. We love our jobs, but we deserve financial security, dignity, and a fair wage for our work.

The Graduate School’s number is misleading for two reasons. First, it assumes that we graduate assistants work exactly 20 hours per week for our assistantships, even though many of us are pressured to work far more than that. In fact, we don’t get paid hourly; we get paid annual stipends. Second, it’s based on an ‘average wage,’ which conceals the fact that many people make far below it, and some even make below a living wage and struggle to get by.

The hours required by our contracts often don’t reflect the effort we actually put forth on our assistantships. A survey of graduate assistants at Penn State found that many people regularly work 60 hour workweeks in the lab, despite the fact that their contracts and pay are for 20 hours. In other words – by the Graduate School’s own math – advanced degree holders conducting institutionally valuable research are making as low as $9 an hour.

Even for those who genuinely work half-time instead of 50-60 hours a week, finding outside work to supplement our stipend is impossible for some and difficult for others. International graduate employees on F1 visas are prohibited by their visas to take any outside work, while domestic graduate employees face pressure to focus only on their assistantships and not seek jobs to supplement their stipends. This affects all graduate assistants, but it hits those of us with families particularly hard. As one graduate assistant observed in the survey, “[not] being allowed to work any other part time jobs at all makes it extremely difficult to make ends meet, even when everything goes smoothly.”  

This number simply does not resemble reality, which Penn State’s Graduate School surely knows. The question here is obvious: if they know it’s not true, why are they claiming it is? As one graduate assistant noted, “Penn State bureaucrats are using this completely inaccurate number to make policies about us and paint us as lazy, part-time workers.” It is a sad indication of senior administrators’ lack of respect for graduate assistants and the way our teaching and research supports the university, particularly because it comes from bureaucrats making six figures.

To make an informed decision on unionization, graduate assistants need the whole truth. The bottom line is that senior administrators at Penn State are misleading members of our community because they don’t want us to have a voice. We, our families, and our community deserve better than that.

We Are… VOTING

Today, after a year of conversations with grad assistants across Penn State we filed with the Pennsylvania Labor Relations Board to vote on unionization. This is a critical step for grad assistants at Penn State and we look forward to working with Penn State to make sure this democratic process goes smoothly.

The announcement that we are filing came after a group of our members and supporters from the Penn State community delivered a letter to Old Main calling on Penn State to take a non-interference stance on our election. We hope that Penn State will respect the right of graduate assistants to decide for themselves their future.

We look forward to working with Penn State on the details of the election, and we trust that they will ensure that all affected grad assistants will be able to participate in a timely vote on this issue.

Finally, please join this afternoon at 3pm Chumley’s to celebrate the success of this campaign.