IAS Health Insurance Subsidy Program

(If you qualify for the subsidy a completed application and proof of insurance must be submitted to Human Resources no later than 10 days after your arrival at the Institute)

The IAS Health Insurance Subsidy Program allows eligible Members who have no other subsidized health insurance option available through another source (which would include but not be limited to a home university or country, company, spouse's insurance through employer or university affiliation, scholar program, or funding agency) to enroll in our insurance or private insurance and receive a subsidy from the Institute. The subsidy is only applicable to medical insurance and cannot be used for dental coverage.

If you qualify for the subsidy by meeting the eligibility requirements listed below you must complete a subsidy application and submit to the Office of Human Resources (F101/102) along with the required documentation.

Eligibility

Generally, Members who are appointed for a minimum of three consecutive months and who are not covered by subsidized health insurance will be eligible for the subsidy. Additional guidelines include:

• The subsidy will be approved for the period of appointment or the period the individual remains 'in residence,' whichever period ends later. ['In residence' is defined as any month the individual resides for at least a part of that month in IAS housing or, for Members not residing in IAS housing, who reside within a 15 mile radius of the IAS campus. In the latter case, the Institute may require proof of local residency].
• Individuals who are eligible for a subsidized health insurance program through another source (which would include but not be limited to a home university or country, a spouse/partner's employment or university affiliation, scholar program, or funding agency) must enroll in that program.
• The individual is not receiving financial support through any other agency or organization for the purchase of health insurance.

Please note, when an individual purchases third party insurance through a company such as HTH or Gateway and has no financial support for this purchase from other organizations, the individual will be eligible to receive a subsidy from the Institute for the lesser of the full premium for that third party insurance or the applicable maximum IAS subsidy.

When an individual is eligible for a partial subsidy from an external source and even with this support (as described in the second or third points above), the individual's out-of-pocket premium expenses are greater than what they would have incurred had they otherwise enrolled in an IAS insurance plan with the full IAS subsidy, they may be eligible for a partial IAS subsidy. In such a case, the Institute will determine the partial subsidy payment that is due in order to keep the individual 'whole.' To make this determination, Human Resources will need additional information from the Member.