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Medical Contribution Assistance Program (MCAP)

Stanford may lower the amount you pay to cover your family in a university-sponsored medical plan. During the annual application period each fall, we automatically mail a new application to employees who may be eligible based on the plan guidelines.

If you qualify, we subsidize a portion of your contributions for your health care based on your family income level and the premiums of the lowest-cost plan. If you and your dependents enroll in a plan other than the lowest-cost plan, you pay the difference between what the university will pay for the lowest-cost plan and your plan.

If you are currently receiving an MCAP award, you need to reapply each year during the annual application period, which takes place before Open Enrollment.

MCAP 2020 Update: The application process is later than usual this year.

Stanford Benefits has revised the Adjusted Gross Income tiers for 2020 MCAP awards, and has mailed notification letters to anyone whose salary is $110,000 or less. For those who met the October deadline for applications, award letters will still be mailed in mid-December and your MCAP award will be reflected in your paycheck on Jan. 7, 2020. View the full rate sheet for 2020. Applications received after the October deadline will be processed as soon as administratively possible and will be applied to your 2020 plan rates once processed.

Program Details

Eligibility
  • You work in a benefits‐eligible position at least 75 percent full‐time; and
  • Your job is for at least six months (four months if represented by SEIU Higher Education Workers Local 2007); and
  • For 2019 awards, your combined family Adjusted Gross Income (AGI), as stated on your most recent federal income tax return, must be $77,000 or less. Note: For 2020 awards, your combined AGI must be $100,000 or less.
How to Apply

We’ll mail you an application via USPS if your base salary is $110,000 or less and you work at least 75% time in a benefits-eligible position. Income eligibility is based on your combined family AGI. If you are a new hire or experiencing a Qualified Life Event that may make you eligible for MCAP, you may download the application and submit it when changing your benefits.

Complete the application and send it to the benefits administrator along with a copy of your most recent federal tax return; if you have not yet filed your most recent tax return, please include the previous years’ return along with a copy of your extension.

Stanford Benefits
MCAP
P.O Box 3190
Bellaire, TX 77402
Fax: 866-539-0431

How it Works
  • The amount of subsidy depends on your combined family AGI (see table below) and is based on the premiums of the lowest-cost health plan.
  • If you are enrolled in a plan other than the lowest-cost plan, you pay the difference between what the university will pay for the lowest-cost plan and your plan. (MCAP does not apply to the ACA Basic High Deductible Medical plan.)

For example: In 2019, if your AGI is $66,000, the university will pay 50% of the cost of family coverage in the Kaiser HMO plan (which is $194.30 per paycheck). That means your health plan contributions will be $97.15 less than the regular employee contribution rate, per pay period, for your plan.

  • The subsidy begins as soon as administratively possibly once you’ve been approved, but it cannot be applied retroactively. Once approved, the subsidy will be applied toward your share of the cost to cover your spouse and/or dependents.
When Coverage Ends The subsidy stops if you no longer work at least 75 percent full‐time, or cover dependents, or your employment with Stanford ends. All contributions stop after your last paycheck with Stanford, and no action is required. If you are laid off, your MCAP subsidy ends the last day of the month in which your employment ends. If you enroll in COBRA, your COBRA premiums will reflect the standard COBRA rate and not the offset amount you had been paying with the MCAP.
Resources

Income & Subsidy Levels 2019

IF YOUR FAMILY INCOME* IS... THE UNIVERSITY WILL PAY...
$58,000  and below 100% of your cost for family coverage in the low-cost plan
$58,001 - $65,000 75% of your cost for family coverage in the low-cost plan
$65,001 - $70,000 50% of your cost for family coverage in the low-cost plan
$70,001 - $77,000 25% of your cost for family coverage in the low-cost plan
Above $77,000 No subsidy
*Adjusted Gross Income

Income & Subsidy Levels 2020

IF YOUR FAMILY INCOME* IS... THE UNIVERSITY WILL PAY...
$76,000 and below 100% of your cost for family coverage in the low-cost plan
$76,001 - $84,000 75% of your cost for family coverage in the low-cost plan
$84,001 - $92,000 50% of your cost for family coverage in the low-cost plan
$92,001 - $100,000 25% of your cost for family coverage in the low-cost plan
Above $100,000 No subsidy
*Adjusted Gross Income