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Health Insurance

MSU’s health insurance plan is administered by Anthem. The summary of benefits and coverages are below:


Health Reimbursement Arrangement (HRA)

Information regarding the new HRA through Health Equity, will be available mid-March.

Anthem Blue and Anthem Gold participants are provided with a Health Reimbursement Arrangement (HRA) account ( that is completely funded by the University. HRA funds can be used to pay for any service or item prescribed by a physician. These funds are added to your account semi-annually.

  • Single—$250
  • 2-Person—$450
  • Family—$600
  • 2-Person H&W—$250 each
  • Family H&W—$300 each 

HRA contributions will be added to your account semi-annually, thus 1/2 of the annual contribution will be deposited in your account on January 1 and then again on July 1. Funds for filing claims will only be available as deposited. 

If your HRA account has a balance of $6,000 or more on January 1, you will not be eligible for a new HRA contribution on January 1. If your account falls below $6,000 by July 1, 2011, you will receive half of the annual contribution or a portion of that amount that on July 1 that will increase your balance to $6,000. Effective Jan. 1 2016, these funds will be forfeited upon separation of employment with the university.

If you have a medical FSA and a Health Reimbursement Arrangement (HRA), the FSA will be the first payer of reimbursements until the account is exhausted. When the FSA account is exhausted, the HRA account will automatically become the next payer of reimbursements.


Anthem 360 Health

Everybody wants to feel better, be healthier. 360° Health can actually help you do it.
Whether you're fit and want to stay that way, you're living with a chronic condition or you fall somewhere in between, 360° Health surrounds you with the support, resources and tools to help you live healthier. Even if you're dealing with several complex health issues at once, experienced nurses work closely with you, your family members and your doctors to help you get back on your feet. A team of medical specialists backs our nurses in areas such as pharmacy and nutrition. So you can be sure they have access to the most up-to-date information about your treatment options.
With 360° Health, everything you need to help you live healthier is in one place - information, guidance and motivation, paired with one of the broadest networks of health care professionals.
This powerful combination has resulted in some great results for our members. According to a recent survey four out of five people who've used a 360° Health program say their health has improved as a result*.
360° Health brings all of the resources, tools and programs Anthem has to offer together in one place to help you and your family members:

  • Manage and maintain your health.
  • Make more informed health care decisions.
  • Get the most value from the hard-earned dollars you spend on health care.
  • Feel your best day after day.



  • Morehead (Residential Campus)
    150 University Blvd., Morehead, KY 40351
  • Admissions
    121 E. Second St., Morehead, KY 40351
  • MSU at Ashland
    1400 College Drive, Ashland, KY 41101
  • MSU at Mt. Sterling
    3400 Indian Mound Drive, Mt. Sterling, KY 40353
  • MSU at Prestonsburg
    6 Bert Combs Drive, Prestonsburg, KY 41653
Major In You.