Optional Benefits
As an employee of Frostburg State University, you have the opportunity to participate in a variety of benefit programs to help achieve your health, educational and financial goals. Explore your options below.
- Dental Plan
- Delta Dental
If you select Delta Dental you must
- Select a primary care dentist and record the practice name and number. Visit the website at via the link on the right of this page to search for dentists.
- Call Delta Dental at 844-697-0578 (toll free) and provide the Customer Service representative with your name and address, and the dentist, practice name and practice number that you have selected.
- You will receive an ID card and a confirmation of your primary care dentist.
- United Concordia
Get more information about choosing United Concordia
- Delta Dental
- Flexible Spending Accounts
P&A Flexible Spending Accounts - A Flexible Spending Account (FSA) is an account that allows you to set aside pre-tax dollars to pay for qualified healthcare or dependent day care expenses. You choose how much money you want to contribute to an FSA at the beginning of each plan year and can access these funds throughout the year. All FSA contributions are pre-tax, which means you save money by not paying taxes on the amounts you set aside to pay for eligible healthcare and dependent care expenses.
Pay for eligible expenses such as prescriptions, doctor office copays, health insurance deductibles and coinsurance for you, your spouse or eligible dependents.
There are two types available:- Healthcare Account - You may contribute between $120 and $2,650 a year to reimburse yourself for eligible out-of-pocket healthcare expenses, including deductibles, copays or coinsurance not reimbursed by any medical, dental, vision or prescription plans for you, your spouse or your tax dependents.
- Dependant Care Account - You may contribute between $120 and $5,000 a year, or up to $2,500 a year if married and filing separately, to reimburse yourself for eligible dependent care expenses. In addition to day care, the account may also cover some before- and after-school care expenses, summer day camp and pre-school tuition costs.
- Healthcare Account - You may contribute between $120 and $2,650 a year to reimburse yourself for eligible out-of-pocket healthcare expenses, including deductibles, copays or coinsurance not reimbursed by any medical, dental, vision or prescription plans for you, your spouse or your tax dependents.
- Prescription Drug Coverage
The State of Maryland Prescription Benefits Plan provides comprehensive benefits with convenient and flexible delivery options for you and your family.
- Term Life and Disability Benefits
Two options are available for FSU regular employees and contingent II employees.
- State Employees Credit Union (SECU)
All University employees are eligible for membership in the State Employees Credit Union (SECU). This is a financial institution mutually owned and operated by State employees. SECU does not have a branch on campus, but an ATM machine is available on the 2nd floor of the Lane Center.
SECU provides an entire spectrum of banking services including
- share accounts (savings),
- share draft accounts (checking),
- IRA’s,
- direct deposit,
- home equity,
- personal loans,
- automobile loans, and more.
Get more information about the SECU Log into your SECU Account
- 529 - College Savings Plans of Maryland
If you are a University System of Maryland employee and you would like payroll deductions for your Prepaid College Trust, please return the completed form to the College Savings Plans of MD and NO to Central Payroll Bureau.
Get more information about the 529 College Savings Plan Enroll in 529 College Savings Plan
- Tuition Remission
The University System of Maryland (USM) supports our employees and their families by providing tuition remission and tuition reimbursement for eligible employees, employee dependents and retirees to enroll in academic programs and courses at any of the USM institutions.
An employee is generally eligible for tuition remission for education if:
- They are a “Regular” Nonexempt or Exempt Staff or Faculty employee
- Have FTE employment of greater than 50%
Employees that are ineligible for tuition remission include:
- Contingent 1 status employees
- Employees with a FTE of less than 50%