Insurance Plans

Biola University has medical health insurance plans which, through payroll deduction, enable employees to "pre-tax" premiums that employees must pay for insurance coverage such as health, vision or dental insurance. Employees who work at least 30 hours per week, for at least 10 months of the year, are eligible to participate and enroll in a plan.

Employees may also set up a flexible spending account, which authorizes a payroll reduction arrangement to pre-tax medical, dental and vision care expenses not covered by insurance and can include insurance deductibles and co-payments and any treatment not covered by insurance such as Lasik eye surgery.

Expenses for child care or elder care may be paid in a similar way to the medical care expenses. Depending on an employee’s tax bracket, the payroll reduction for insurance premiums, unreimbursed medical expenses, and dependent care expenses can save employees approximately 25% to 40% of the cost of these services.

Please note that all employees are required to have health insurance either through a Biola health plan or a non-Biola plan.

Premiums Breakdown

Medical Insurance Premiums (Effective 4/1/23)
Cost Per Month to Employee

Dental Insurance Premiums (Effective 4/1/23)
Cost Per Month to Employee

Vision Care Insurance Premiums (Effective 4/1/23)
Cost Per Month to Employee

Life insurance is provided at no cost to the employee and is effective on the first day of the month following enrollment by the employee. The amount of life insurance coverage is equal to one year’s salary rounded to the next higher thousand dollars plus $5,000. Also included is accidental death and dismemberment coverage, which provides an additional one year’s salary, rounded to the next higher thousand dollars, plus $5,000 in the event of death due to an accident.

There is a general State of California requirement that all California workers pay into State Disability Insurance (SDI), a short-term disability program, through their employers. If, due to illness or injury that is not work-related (work-related accidents and illnesses are covered by Workers’ Compensation insurance), you are forced to miss work for a period in excess of seven calendar days and are under a doctor's care, you become eligible for payment from disability insurance.

Workers’ compensation is offered to all employees who suffer an injury or illness resulting from work or the work environment that requires first aid or non-emergency medical care. Biola's workers' compensation insurance carrier pays all medical costs up to $10,000 before a claim is accepted.

Biola carries, at no cost to employees, Accidental Death and Dismemberment Insurance that covers an employee in the even of accidental death or body part dismemberment.