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DMBA offers four plans to BYU-Idaho employees: Deseret Premier, Deseret Value, Deseret Select, and Deseret Protect. Each plan offers different coverage levels and provider networks. DMBA provides a network of physicians and facilities throughout Utah and southeast Idaho. Some preventive services are covered at 100% when done with an in-network provider. In-Network deductible only applies to Deseret Protect. Depending on the procedure, some services must be pre-authorized by your In-Network Primary Care Physician (PCP).

Core insurance benefits included in your monthly premium:
  • Medical insurance, which includes the wellness program (living Healthy)

  • Group Term Life Insurance ($50,000 to employee, $2,000 to spouse and $2,000 to each child)

  • Occupational Accidental Death and Dismemberment insurance which is only offered to the employee, not spouse or dependents. (Up to $100,000)

  • Disability insurance which is only offered to the employee, not spouse or dependents. To learn more about Disability Insurance click on the link below.

Healthcare Costcutter

DMBA offers a brand new healthcare transparency tool through the Healthcare CostCutter. You can search for procedures or medications, and the tool will generate the estimated cost of those services at nearby facilities, potentially saving you hundreds in healthcare expenses! You can access this tool by logging into DMBA.com.

2017 Premium

 Deseret Premier MemberDeseret Select MemberDeseret Value MemberDeseret Protect Member
Single $165.20 $85.50 $40.60 $27.40
Two Party $335.80 $170.10 $76.50 $49.10
Family $509.90 $253.40 $108.30 $66.00

*For 2016 premiums, please refer to the Health Benefits Forms page.

Health Benefit Forms

Co-Pay

 Deseret Premier MemberDeseret Value MemberDeseret Select MemberDeseret Protect Member
In Network PCP $15 per visit $15 per visit $15 per visit $15 per visit
In Network
Specialist
$25 per visit $25 per visit $25 per visit $30 per visit
Out of Network
PCP
$25 per visit $20 per visit 100% not covered $20 per visit
Out of Network
Specialist
$35 per visit $30 per visit 100% not covered $35 per visit

Hospital Services

 Deseret Premier MemberDeseret Value MemberDeseret Select MemberDeseret Protect Member
In Network
Facility
10% 30% 10% 30%
Out of Network
Facility
20% 40% 40% 40%

Annual Maximum Out-of-pocket cost

 Deseret Premier MemberDeseret Value Member*Deseret Select MemberDeseret Protect Member
Single $2,000 per person for In-Network providers then plan pays 100% of eligible charges. $4,000 per person for In-Network providers then plan pays 100% of eligible charges.

Annual deductible does not apply
$2,000 per person for In-Network providers then plan pays 100% of eligible charges. $4,000 per person for In-Network providers then plan pays 100% of eligible charges.
Family $4,000 per person for In-Network providers then plan pays 100% of eligible charges. $6,000 per person for In-Network providers then plan pays 100% of eligible charges.

Annual deductible does not apply
$4,000 per person for In-Network providers then plan pays 100% of eligible charges. $6,000 per person for In-Network providers then plan pays 100% of eligible charges.

*Annual deductible does not apply

Prescriptions

 Deseret Premier MemberDeseret Value MemberDeseret Select Member
Retail
Formulary Drugs
30% for 30-day supply 50% for 30-day supply 30% for 30-day supply
Mail Order
Formulary Drugs
25% for 90-day supply; up to $85 per prescription 45% for 90-day supply; up to $140 per prescription 25% for 90-day supply; up to $85 per prescription
All Non
Formulary Drugs
100% not covered 100% not covered 100% not covered

Deseret Protect Member: pays 20% for Generic Drugs and 50% for Brand-name Drugs. The list of prescription drugs is limited, please refer to DMBA.com.

Disability Insurance

DMBA offers long-term disability insurance to eligible employees, and is included in your monthly medical premiums. Click here for more information on how the program works, eligibility, and how to apply.

Disability Insurance

Supplemental Life Insurance

The Supplemental Life Insurance plan is in addition to the basic life insurance amounts included in the monthly medical premiums.

  • Employees can purchase coverage up to six times their annual salary.

  • Spouses can purchase up to $200,000 dollars in coverage.

  • Three coverage options are available for dependent children up to age 26. Each monthly premium rate listed below is the flat amount for all children included in the plan, regardless of number:

    • $3,000 - $0.44/month
    • $7,500 - $0.96/month
    • $15,000 - $1.74/month

You can change or apply for supplemental life insurance (SGTL) at any time. It is not constrained to the open enrollment period. Upon enrollment a questionnaire will be provided for each individual who will be included in supplemental coverage. From that point, DMBA might contact you to schedule a nurse’s visit to get more information and samples. Coverage does not take effect until DMBA approves the application. For the calculation table for employee and spousal coverage, please refer to the attachment below:

Refer to the Health Benefits Forms page to view the Supplemental Life Insurance PDF.

AD&D

24-Hour Accidental Death and Dismemberment Insurance (24-hr AD&D) provides protection for accidents that result in the loss (or loss of use) of the following: life, limb, vision, hearing and/or voice. To collect this benefit, the loss must be the direct result of an accidental injury, being independent of all causes other than the accident.

There are several coverage options, including employee only, employee and spouse only, employee and children only, or entire family coverage. For the different options and premium rates, please refer to the attachment below.

Refer to the Health Benefits Forms page to view the AD&D Insurance PDF.

Wellness Program

To learn more about the Wellness Program click in the link below.

Wellness Program

For more detailed information, please refer to the Health Benefits Forms page.

Health Benefit Forms