Medical Insurance

Each employee's needs are different — that's why Duke offers four different medical plans to meet the needs of you and your family:

Each medical care plan covers both pharmacy and mental health benefits. Please refer to the Medical Plans Comparison Chart and Questions to Ask for details. All of our medical plans will cover pre-existing conditions for covered services.

Need to Find a Provider?

An online directory of participating medical providers for all medical plans is available here.

Enrolling/Making Changes

Employees have 30 days from the date of a qualifying life event or 30 days after their hire date to enroll or make changes to their health, dental, vision, and reimbursement accounts.

Health Promotion Programs

Duke supports you and your family in practicing prevention through a broad range of health management programs that emphasize a proactive approach to improving health and preventing disease before it happens.

For Employees Who Travel on Duke Business

Duke provides supplemental health insurance at no additional cost for full-time, benefits eligible employees traveling internationally for up to six months on Duke business. You must have health insurance from Duke or another provider in order to be eligible for this coverage.

This coverage, called Cigna's Medical Benefits Abroad (MBA), offers eligible employees and their spouses and dependents up to age 26 who are traveling with them this supplemental medical insurance coverage for unexpected injuries and illnesses while abroad on Duke business. This coverage supplements Duke's regular health insurance plans. The coverage also includes up to seven days of personal travel when taken in conjunction with a business trip.

For more information, including coverage limits and eligibility requirements, visit the Cigna Medical Benefits Abroad website.

Tobacco Use Surcharge

Duke charges employees covered under a Duke medical insurance plan who smoke or use other forms of tobacco an extra $40 per month. Tobacco use includes smoking and use of snuff or chewing tobacco, as well as consumption of nicotine in any form including electronic cigarettes. The use of a nicotine patch and nicotine gum are not subject to the surcharge. The surcharge does not apply to dependents who use tobacco.

Duke will remove the monthly surcharge when the employee successfully completes a LIVE FOR LIFE tobacco cessation program. Visit the Tobacco Cessation Resources website for more information about tobacco cessation options.