Miamians, you’re paying more than Ohio peers for health coverage



Here’s our latest working paper—Part II in a series on Miami’s health plans. (The earlier paper focused on gaps in coverage, such as the fact that there’s no limit on out-of-network costs for Miami employees.) In this paper, you’ll find out that

  • Miami employees generally spend more on health insurance coverage than employees at other Ohio public universities and public employees in Ohio overall.
  • Miami employees pay a considerably larger share of the cost of health plan premiums than Ohio public employees overall and Ohio college/university employees.
  • For Miami employees earning $75,000/$125,000, the premiums under both of Miami’s health plans are uniformly the highest. Employees at these salary levels pay hundreds of dollars more per year for individual coverage under both plans and thousands more for family coverage than employees at peer institutions.

Miami employees, generally changes in our benefits (usually reductions, these days) are announced over the summer. Watch your email.

Response to AAUP Budget Questions

At yesterday’s Senate meeting, Provost Callahan responded to AAUP’s budget questions (which were originally asked at the October budget meeting of University Senate). We will be able to share her presentation when the Senate minutes are published [it is now available and archived on this site here]. Her presentation was chock-full of information and we are very grateful for the amount of work she and the Office of Institutional Research put into gathering and presenting the data. The numbers on the decline in tenure-line faculty and the compensating hiring of contingent faculty align with our numbers. Some data that has been hard to get hold of was revealed; for instance, there were slides on the number of credit hours taught by faculty at each rank, important information that helps us see to what degree the university relies on contingent labor. Questions remain. Some—big questions about spending priorities and how they are affecting Miami’s educational mission—have been forwarded to Cody Powell/Campus Planning, Fiscal Priorities Committee, the Athletics Director and the Board of Trustees, and we hope to hear more soon.

A few specific points:
(1) I am not sure our question about benefits cost-shifting was answered; instead, Miami’s benefit rate was reported as being the highest among Ohio public doctoral institutions. I don’t know how to evaluate this point and its relationship to the issues in the previous post on this website. I will look forward to discussing it at the AAUP Lunchtime Chat on Health Plans on April 22. [Read a helpful comment on the benefit rate issue below.]
(2) Business faculty raises are far higher than in other units, not only by amount but by percentage, and I was curious about whether FSB raises come from the same pool as raises at the rest of the university—anyone know?
(3) Our chapter’s assertion that the university spends only 1/4 of the overall budget on instruction was questioned, and the provost showed us a pie-chart allotting 37% to instruction. I clarified that instructional salaries and benefits account for 26.3% of MU expenses and asked what else she was including in the instructional expense category. She said she did not know but would find out.

Gratitude to the University Senate for voting to get these questions answered and again to the Provost for her efforts. Our chapter will continue to work to make university finances more transparent.

New Working Paper on Miami’s Health Insurance Plans

Did you know?

  • Compared to the health plans of other Ohio public universities, Miami University’s plans are unusually harsh in the extent to which they penalize employees who receive health services from non-network providers.
  • Compared to our state peer schools, Miami University is a complete outlier in failing to place any cap on employee expenditures for non-network care.
  • Even when just considering services received within-network, Miami’s plans generally load more expense onto employees than the health plans of our Ohio public peer institutions.

Learn more in our just-issued Working Paper: Report on Miami University Health Plans. Many thanks to David Walsh, Associate Professor in the Department of Management, FSB, who researched and wrote the paper.