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OUR COMMITMENT TO YOU | Comprehensive, Quality Programs

The University of Maine System is proud to offer a comprehensive and competitive benefits program. Benefits are an important part of your total rewards, so we continually strive to ensure that the benefits program is meaningful and continues to attract and retain the qualified faculty and staff needed to serve our students and our state.


UMS Employee Benefits Center
Secure Fax07-561-3454

Eligibility & Benefits Status

You are eligible for benefits on your date of hire (or date of status change that makes you eligible for benefits). You must enroll within 31 days of your eligibility date. Eligible employees include:


*For all dependents enrolled in Medical, Dental & Vision, the Employee Benefit Center (EBC) must receive supporting documentation proving relationship.

ENROLLMENT | Enter Your Elections in MaineStreet

MaineStreet Employee Self-Service
MaineStreet provides a two-way communication between UMS and employees. Self-Service features provide:


If you have questions about your benefit options or need to request paper enrollment forms, call the Employee Benefits Center toll-free at 1-866-269-9635 or send an email to If you need help with your MaineStreet User ID and password, call the IT User Services Help Line, 1-800-696-4357.

Qualifying Family or Employment Status Changes

Your benefits elections will remain until the end of the calendar year. You can only make changes to your benefits mid-year if you have a Qualifying Event. These events are defined by the IRS and include changes in status, such as:


  • HIPAA special enrollment rights
  • FMLA special requirements
  • Changes due to a judgment, decree, or court order
  • Entitlement to Medicare or Medicaid

YOUR BENEFITS | Programs to Protect Your Health & Well-Being

You have the opportunity to build your own benefits program that meets your needs and the needs of your family. The University of Maine System is committed to providing both a range of basic benefits and a variety of additional benefits from which you can select:

Medical Insurance 403(b) & 457(b) Retirement Plans
Dental Insurance Employee Assistance Program (EAP)
Vision Insurance Paid Time Off
Flexible Spending Accounts (FSAs) Short and Long Term Disability Insurance
Group Auto & Homeowners Program Tuition Waivers
Basic & Supplemental Life Insurance Spouse/ Partner/Child Life Insurance
Basic & Supplemental Accidental Death & Dismemberment (AD&D) Insurance


Upon meeting the eligibility requirements, you will automatically be enrolled in:


You also will be eligible to use the Employee Assistance Program (EAP) and accrue annual (vacation) and disability (sick) leave.


Perhaps the most important benefit choice you make is your healthcare coverage. Remember when you choose the Open Access Plus (OAP) Copay Plan, you and your covered family members are required to select a Primary Care Physician (PCP).

The OAP Quality Incentive Copay Plan provides that you pay a nominal copayment for in-network office and hospital visits with no annual deductible for in network services.


Copay (Cigna Network)

Copay (Out of Network)

Annual Deductible




Out-of-Pocket Max1




Preventive CareNo charge20%2
Office Visit


Emergency Services
AmbulanceNo chargeNo charge
Emergency Room$150$150

Urgent Care



Hospital Inpatient/Outpatient Surgery$200$200, then 20%2
High-Cost Imaging90% Coinsurance20%2
Lab & X-rays100%20%2
Prescription - Retail, 30-day supply.
Preventative Generic$10Not Covered
Non-Prev. Generic$15Not Covered

Preferred Brand

$30Not Covered
Non-Pref. Brand$50Not Covered
Prescription - Mail Order, 90-day supply.
Preventive Generic$20Not Covered
Non-Prev. Generic$30Not Covered
Preferred Brand$60Not Covered
Non-Pref. Brand$100Not Covered
Prescription - Out of Pocket Max3
Single$1,300Not Covered



Not Covered

Telemedicine - MDLIVENo chargeNot Covered
Hearing Aids – Amplifon$2520%

1deductible and copays apply toward the out-of-pocket max        2after you pay the deductible        3includes prescription copays

Take These Steps to Get the Most Value from Your Health Plan

  • Schedule your annual physical with your PCP. Remember, there is no cost to you for this annual preventive care visit - the copayment or co-insurance is waived.
  • Whenever possible, see your PCP or use a walk-in or urgent care facility in your community instead of going to a hospital Emergency Room. Under Co-Pay plan, Emergency Room visits have a $100 copayment (unless you are admitted to the hospital).

Cigna Telehealth Connection

Cigna Telehealth Connection lets you get the care you need (including prescriptions, if appropriate), when you need it. Cigna provides access to telehealth services as part of your medical plan provided by MDLive. MDLive is a national telehealth provider, with 24/7/365 access to board-certified doctors via video chat or phone. Register for MDLive access treatment for minor conditions such as sore throat, fever, colds, flu, rashes, shingles and more.

Telehealth services can be a cost-effective alternative to a doctor’s office or non-urgent ER visit. However, they are not intended to replace your primary care relationship or for use with life-threatening emergencies. To register or for any questions, you may call MDLive at 1-888-726-3171 or visit

Omada Diabetes Prevention Program

Beginning in January 2020, UMS will offer the Cigna Diabetes Prevention Program provided in collaboration with Omada. This CDC-recognized digital lifestyle program focuses on helping employees reduce their risk of developing diabetes through healthy weight loss. Eligible participants in the program will receive a wireless smart scale that connects to a personalized online account, making tracking simple. Participants will also receive support from social groups and Omada health coaches, as well as interactive training lessons on healthy eating, physical activity, sleep and stress.

Complete Level 1 of the UMS Wellness Incentive Program:

For information about Level 1 and Level 2 requirements, please review your 2021 Wellness Guide available in early December for more information.


2. Visit your physician to complete an annual preventive care exam.

Complete Level 2 of the UMS Wellness Incentive Program:

Before November 30, complete Level 2 and receive a $100 taxable incentive payment (or $200 if you and your covered spouse/domestic partner both participate).


Good dental and eye care is essential to maintaining good health. That’s why the University offers dental and vision plans that cover routine check-ups and additional services for your health.

Dental Benefits

NEW in 2021 - Employees will have their choice of THREE dental plans through Cigna for dental coverage.These plans are designed to allow you to choose the balance that is right for you between payroll deductions and the cost of care when you need it. It is up to you to choose the plan that best matches the needs of you and your family. Please see the chart for an overview of coverage available in each plan option.


We encourage you to use Cigna participating dentists; they will submit claims for you; they will not "balance bill" you; and annual maximum benefits will last longer due to discounted rates offered by network providers. You may still use non-participating dentists – your out-of-pocket costs, however, will likely be more. Also, you may cover your eligible dependents.

Enhanced PlanTraditional Plan (current)Preventative Plan
Annual DeductibleNoneNoneNone
Annual Maximum*$1,500

Year 1: $1,000
Year 2: $1,100
Year 3: $1,200
Year 4: $1,300

Basic Restorative80%80%80%
Major Restorative50%50%Not Covered
Orthodontia50%50%Not Covered


Lifetime Maximum

Coverage for ImplantsYESNONO

*Annual maximum on the Traditional Plan (current option) will increase by $100 each year (to a maximum of $1,300) if you or your family members receive any preventive care service in the preceding year and remain enrolled in the plan.

Vision Benefits – EYEMED

Employees can elect vision coverage for themselves and their family. The cost of coverage is deducted on a before-tax basis. The Vision plan utilizes a network of retail and private practice optometrists; benefits are higher when network providers are utilized.

Exams$20$80 Allowance

Eye OR Contact Lenses

(Members may not receive contact lenses and eyeglasses in the same year)

No Charge for Lenses

$150 Allowance for Contacts

$50 Allowance (Single Vision)

$75 Allowance (Bifocal or Trifocal)

$100 Allowance (Lenticular)

$150 Allowance (Contacts)

Frames$150 Allowance$90 Allowance

LIFE & FINANCIAL BENEFITS | Providing Peace of Mind

Supplemental Life and Accidental Death & Dismemberment (AD&D) Insurance

In addition to the basic life insurance benefits offered to you through the University of Maine System, you may buy additional protection for yourself and your family. Note that some elections may require Evidence of Insurability. Supplemental (optional) life coverage and applicable premiums for you reduce upon attainment of age 65; however, premium increases resulting from reaching a higher age-based premium category do not increase until the following January 1. If both you and your spouse work at the University of Maine System, you both cannot elect coverage for your children (double-coverage). Premiums are deducted on an after-tax basis and benefits paid are not subject to taxation.



(Optional) Life Insurance for you

Additional 1, 2, 3, 4 or 5 times your annual salary to a maximum (combined with Basic Life) of $1,000,000

3 times salary Guaranteed Issue when first eligible

Evidence of Insurability (EOI) required to increase by more than one multiple of your salary thereafter

Terminates upon attainment of age 70

Supplemental AD&D

(individual or family)

$10,000 increments to a maximum of $350,000 not to exceed 10 times your annual salary.

If you elect family coverage, your spouse’s / domestic partner’s coverage is 60% of your election and each child is 20% to a maximum of $50,000.

Spousal / Domestic

Partner Life Insurance

$10,000 increments up to $50,000 not to exceed 50% of your combined Basic and Supplemental amount.

EOI required to increase amount by more than one increment

Terminates upon attainment of age 70

Child Life Insurance$5,000 or $10,000 flat benefit; Covers children up to age 26

Flexible Spending Accounts (FSA) - Not eligible if enrolling into the Choice Fund HSA Plan

A Flexible Spending Account (FSA) is a program that helps you pay for health care and dependent care costs using tax free dollars. You decide how much money you would like to contribute and each pay period, your contribution is deducted from your paycheck on a pre-tax basis and is put into the Healthcare FSA, the Dependent Care FSA, or both. Once enrolled, you will be issued an FSA Debit Card that can be used to make eligible purchases or payments. Or you may complete a claim form and provide detailed bills and receipts to get reimbursed. Up to $500 of unused healthcare funds will be carried over to the next year. All remaining healthcare funds over $500 will be forfeited, and federal law requires you to use all of the money in the Daycare account each year, so plan carefully.

IRS regulations require that you to re-enroll in the FSA plan of your choice each calendar year, even if you don’t wish to change your overall coverage approach.


Medical, dental, and vision care expenses (copayments, deductibles, eyeglasses, and Over-the-Counter prescription medications)

$200 annual minimum
$2,700 annual maximum

Day Care

Dependent daycare, after-school programs, or elder care programs

$200 annual minimum
$5,000 annual household maximum

Disability Insurance

The goal of disability coverage is to protect your income in the event of an illness or injury that prevents you from working. Both short-term and long-term disability programs are insured by Liberty Mutual, which reviews and approves all claims.


The University embraces an active rehabilitation and back to work program, and partners with our employees to assist you during this period of time.

OTHER BENEFITS | Completing Your Benefits Program

Employee Assistance Program (EAP)

The University values our faculty and employees and recognizes that from time to time personal problems can affect our ability to perform at our jobs. The Cigna EAP helps employees and families cope with challenging times. Just visit, login, navigate to Coverage then select the Employee Assistance Program (EAP).


  • Financial Concerns
  • Emotional Concerns
  • Legal Concerns
  • Child and Eldercare Concerns
  • Relationship Problems
  • Alcohol and substance abuse concerns
  • Stress, depression, and other work/life issues
  • Workplace conflicts

Tuition Waiver

UMS encourages the full participation of all of its members in its educational mission by offering a tuition waiver program for eligible employees and their dependents:

  • Employees: Eligible full-time employees are allowed a maximum of two tuition-free courses per semester or summer session, not to exceed a total of eight credit hours. Eligible part-time employees are allowed a maximum of one tuition-free course per semester or summer session, not to exceed a total of four credit hours.
  • Spouse, domestic partner, or dependent children: Eligible for a 50% tuition waiver provided the spouse, domestic partner, or dependent children are attending the University of Maine System as a full-time or part-time matriculated student.

Group Homeowners & Automobile Insurance Discounts

UMS provides special group discounts on MetLife automobile and homeowners’ insurance policies. Premiums may be automatically deducted from paychecks. Enroll any time by calling 1 800 GET MET8 (1-800-438-6388) or log on to

Paid Time Off

UMS offers employees various types of paid time off programs including disability (sick) leave, holidays, and other types of leave. Please refer to University Policy and Collective Bargaining Agreements for details.

Domestic Partner Coverage

If you enroll an eligible unmarried Domestic Partner (or children of a Domestic Partner) who is not your tax-qualified dependent under IRS Code Section 152, federal regulations require that you are taxed on the value of the group medical coverage as though you received it as income. All unmarried Domestic Partner contributions must be deducted on an after-tax basis. Due to the imputed income, it could cost approximately $300 to $400 per month depending on health plan election and coverage level.

Helpful Resources

UMS Employee Benefits Center - The UMS Employee Benefits Center is your centralized, one-stop resource for benefits information and enrollment. Prompt, knowledgeable assistance is available 8am to 4:30pm, Monday through Friday.

UMS Employee Benefits Center

MyUMS Employee Portal - Detailed information about benefits, eligibility, costs and enrollment is available to employees on the MyUMS Portal ( Log in using your MaineStreet user ID and password. To navigate to the UMS portal from a University portal, click the My Sites dropdown and click UMS. For benefits information, select Human Resources > Employee Information > Benefits.

MaineStreet Employee Self-Service: - MaineStreet provides a two-way communication between UMS and employees. If you need help with your MaineStreet User ID and password, call the IT User Services Help Line, 1-800-696-4357.

Medical PlansCignamycigna.com1-800-244-6224
Health Savings AccountCignamycigna.com1-800-401-4041
UMS Wellness ProgramCignamycigna.com1-800-244-6224
Wellness Health CoachingTrestleTreeN/A1-855-580-2797
Life and AD&D InsuranceLincoln FinancialN/A1-888-787-2129
Short-Term DisabilityLincoln Financialwww.mylincolnportal.com1-800-713-7384
Long-Term DisabilityLincoln Financialwww.mylincolnportal.com1-800-713-7384
Flexible Spending AccountsEBPAwww.ebpa.com1-888-678-3457
Employee Assistance PlanCignamycigna.com1-877-622-4327
Homeowners & Auto 800 GET MET8

Unum Supplemental Insurance

  • Enrollment
  • Policy Information



Hearing AidsAmplifonN/A1-888-207-2798
Pet InsuranceNationwideN/A1-877-738-7874


This guide summarizes the benefit plans available to employees of the University of Maine System. This guide is meant only to cover the major points of each plan. It does not contain all of the details that are included in your Summary Plan Description (SPD) that are issued by the plan administrators/insurers after you enroll. If there is a conflict between the information in this guide and the formal language of the Plan documents, the formal Plan documents will govern. The benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of the University of Maine System.