Programs: Science and Policy
Fellowship Support: Health Insurance Reimbursement
Most Fellows are responsible for securing their own
health insurance coverage. Exceptions include Fellows
hired and paid directly by an agency, as they receive
health coverage via the agency under the temporary employee
status provided by the direct hire fellowship. Fellows
in most of the other programs are reimbursed for health
insurance (this may not be applicable to some of the
Fellows sponsored by other scientific societies).
Below are the 2013-14 maximum reimbursement amounts for Fellows eligible to claim reimbursement for health insurance costs (as detailed in the fellowship offer letter).
- Individual = $ 6,064
- Individual & Child = $ 11,370
- Individual & Spouse/Domestic Partner = $ 13,130
- Family = $ 17,868
Often the best strategy for health insurance coverage
is to continue an existing health plan, if that is possible.
Because Fellows are not AAAS employees, they cannot
be included in the AAAS group health care coverage policy.
For those who need to secure a new insurance plan, below
is a short list of insurance providers in the DC-area,
both HMO and non-HMO.
DCSTFI Group Plan
This group plan is administered by current and former AAAS Fellows. DCSTFI officers will make a presentation during orientation to explain this option in detail. New officers and board members also will be recruited from the incoming class of Fellows.
Miller and Shook Co's
1026 16th Street NW
Washington DC, 20036
DCSTFI offers a plan through Carefirst Blue Cross/Blue Shield. For more detailed information about the plan, contact Todd Miller. To obtain insurance through DCSTFI fellows must join the group. DCSTFI membership is free and benefits are available as long as you remain a member (i.e., you can purchase insurance through this plan after your Fellowship ends, if you desire, regardless of where you live).
Individual HMO Plan
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
2101 East Jefferson Street, Rockville, Maryland 20852
Rates: Determined by type of coverage (individual, couple, or family), age, and location.
CareFirst Blue Cross/Blue Shield of the National Capital Area
550 12th Street, SW, Washington, DC 20065
Comprehensive Major Medical with two deductible options
($300 or $500); 80% coverage, including prescriptions,
after deductible (This plan is different from the Fellows'
group plan because it is not a PPO.) To be eligible,
the subscriber must live in the service area, which
includes DC, Northern Virginia, and Prince George's
and Montgomery counties in Maryland. There is a 10-month
waiting period for residents of DC and Virginia who
have pre-existing conditions.
Rates: Determined by type of coverage (individual or family), deductible option, and age.
PO Box 3175, Milwaukee, WI 53201-3175
Short-term Medical non-HMO; coverage for major hospital,
medical, and surgical expenses; four deductible options
($250, $500, $1,000, $2,500); 80% coverage of first
$5000 of covered charges, or 50% up to the first $5000,
and then 100% thereafter up to 2 million; covers no
dental care, vision care, or routine physical; plan
cannot exceed 185 days; prescriptions can be applied
toward the deductible if they are medically necessary
and not for pre-existing conditions.
Rates: Vary significantly, depending on length of coverage, location, age, and deductible chosen.