2019 OPEN ENROLLMENT BENEFITS OVERVIEW - October 22 - November 11
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2019 OPEN ENROLLMENT BENEFITS OVERVIEW
October 22 – November 11
1
WHAT’S
CHANGING?
Not much is changing for 2019!
Spousal Exclusion remains in place for all EMU Faculty and Staff.
If you make no changes at Open Enrollment, your benefit elections will
automatically carry over for 2019, with the exception of FSAs and HSAs.
New for 2019:
• New, higher Opt-out Medical Waiver Credit amounts
• New Employee Medical plan rates
• FSA-Health and HSA may have new maximum limits, per IRS
You MUST re-enroll for 2019, if:
• You have an FSA account and you wish to continue or enroll for 2019
• Dependents age 19+ in dental can be covered only if IRS dependents
• You were hired after 10/1/18 and have a 90 day probation period.
2
THAT’S TRUE
BENEFITS OPEN ENROLLMENT | OCTOBER 22 – NOVEMBER 11, 2018
OVERVIEW OF WHAT’S INSIDE
Benefits Checklist.……………....……......……………………………..….….…......……………4
Glossary…………….…………....………………………………......…………..…..…….……….5
Open Enrollment is the time of year when we provide faculty Your Benefits...……….…………………………………………......…………………..….………6
and staff with an opportunity to review and make changes to Spousal Affidavit...…....……………………………………………......………….……………… 7
their health and other benefit elections for the upcoming Comparing Medical Plans……………………………………………………………….…......… 8
calendar year. We want to provide you with an abundance of Vision Plan Benefits...…………………………………………………......……………………… 9
Rx Prescription Benefits..............…….……………………………….......………………….…10
information and an opportunity to select the benefit plans that
Flexible Spending Accounts……………...…………………………….…......…………………11
best fit your needs. HMO Plan Details ...………………………...……………………………......………........…… 12
HMO Enhanced Level Details………………………………………….................………….…13
EMU benefit-eligible faculty and staff do not need to re-enroll HSA With HDHP...………………………....……………………………….....…………….……14
this year, unless they have or want a FSA/ HSA for 2019 or a HSA IRS Limits...……………………….…...……………………………….....…………..…… 15
new hire as of 10/1/18 with a 90-day probation period. Compare Medical Plan Rates………….……....……………..........................................……16
Medical Plan Opt-out Credit……….……………............................................………….……17
Coverage Eligibility………………….…………………....................................……….………18
Faculty and staff will be able to make changes to their current Dental Benefits…...………………….……..………….…………......................................……19
elections through a convenient and secure online system, Short-term Disability Coverage………..........................................……….....……….....……20
accessible and available for them 24/7 from anywhere. Long-term Disability Coverage…….……………….………............................................……21
Basic Life Insurance……………….……………………….........................................…….… 22
Once in the system, you must follow the workflow and re- Supplemental Life Insurance…….………………................................................……………23
Voluntary Life Insurance………….…….....................................…………......……………… 24
enroll in the Health Offer, in order to make any other
Employee Assistance Program….…………….....................................…......…………….…25
changes to your 2019 benefits. Voluntary Benefits...………...…….…………….................................……......……………… 26
TIAA Retirement Contributions….…………….…..........................................………....…… 27
How To Enroll……………................................................................……......……………… 28
Steps For Open Enrollment…….………………................................................…………… 29
Contact Us………….…...…….…...........................................................................……...… 30
Benefits Open Enrollment is October 22 - November 11 3
YOUR
BENEFIT
PREPARE
CHECKLIST Review your Current Benefits in Benefitfocus
Find out in advance if your spouse has access to subsidized medical and/or dental
coverage through their employer for 2019
Review your dependent, personal, and beneficiary information
RSVP for an info-training session during the week of October 22nd
Make your benefit elections by
8:00 P.M. SUNDAY, DECIDE
NOVEMBER 11
Review your medical and dental coverage and decide if changes are needed
Consider adding short-term disability and additional supplemental life insurance
Estimate out of pocket expenses for medical, dental, vision if interested in a FSA
Set time aside on your calendar to log-in and enroll, if you plan on changes
ACT
Consider pairing your medical plan (PPO Option 5 or the HMO) with Flexible
Spending Account (FSA)
Consider the High Deductible Simply Blue PPO with a Heath Savings Account (HSA).
(Note: High deductible plans cannot be combined with FSA)
Make your benefits changes on-line by 8:00 p.m. on Sunday, November 11, 2018
Benefits Open Enrollment is October 22 - November 11 4
GLOSSARY
Here’s a quick refresher on commonly used medical/dental terms:
• A PREMIUM is the amount you pay for insurance, using pre-tax or post-tax dollars via paycheck deductions.
(Note: EMU pays your dental premium in FULL and a large portion of your medical insurance premium)
• A COPAYMENT (COPAY) is a fixed amount you pay for a healthcare service or prescription drugs.
• A DEDUCTIBLE is the amount you owe before your insurance begins covering certain services such as
hospitalization or outpatient surgery.
• COINSURANCE is the amount you pay, as a percentage of the cost of your allowed services, after you reach
the deductible until you reach the plan’s out-of-pocket maximum.
• ALLOWABLE CHARGE is the dollar amount typically considered payment-in-full by an insurance company
and an associated network of healthcare providers.
• OUT-OF-POCKET MAXIMUM is the most you pay per Plan Year for healthcare expenses, including
prescription drugs. Once this limit is met the plan pays 100% for the remainder of the Plan Year.
Benefits Open Enrollment is October 22 - November 11 5YOUR TO LEARN MORE ABOUT YOUR BENEFITS:
Benefits Fair
Student Center Ballroom - November 1st, 11:00 a.m. to 3:00 p.m.
BENEFITS Open Enrollment Info/Training Sessions: RSVP here
Halle Library - October 22nd, 2018 – October 26th, 2018
OPEN ENROLLMENT IS YOUR CHANCE TO: TO VIEW YOUR BENEFITS:
• Change, elect or drop medical, dental and other coverage 1. Visit my.emich.edu
2. Click on the Employee Tab
• Update current coverage and add or remove dependents
3. Next, click on "Enroll in Benefits" link on the right side of screen
• Re-elect and contribute to a Flexible Spending Account for 4. Log on to Benefitfocus with the same log in you use for my.emich
Healthcare expenses or Dependent care expenses. 5. Click on the green button "Enroll Now"
6. Next, you will see "Welcome to the EMU Benefits Enrollment”
• Enroll in a Health Savings account for 2019, only for Simply 7. To access your current benefit elections, do one of the following:
Blue High Deductible PPO (not available for PPO Option 5). 1. Under My Documents on the bottom left click on
1. Employee Detail Report
• Increase Supplemental Life Insurance for yourself, your
spouse and children (may require Evidence of Insurability) 2. Employee Benefits Summary
8. You can also click on ♥Benefits on the left side menu to see a
• Elect Short Term Disability, if you are LE/CS/FM this benefit is display of your elections (summary of costs per pay is available
at your cost and may require Evidence of Insurability. by clicking on the shopping cart in the upper right corner
Benefits Open Enrollment is October 22 - November 11 6SPOUSAL
AFFIDAVIT
IF MY SPOUSE HAS ACCESS TO EMPLOYER-SUBSIDIZED
MEDICAL/DENTAL COVERAGE THROUGH HIS/HER
EMPLOYER, CAN MY SPOUSE BE ON MY EMU PLANS:
E-CLASS MEDICAL PLAN DENTAL PLAN
AC, AH, AP, CA No No
CP Yes-Secondary only Yes-Secondary only
Note: Spousal Affidavit declaration
CS Yes-Secondary only Yes-Secondary only
is an annual requirement.
FA Yes-Secondary only Yes-Secondary only Note: If your spouse is retired/self-
employed/or on COBRA they may
FM Yes-Secondary only Yes-Secondary only qualify for EMU coverage.
LE Yes-Secondary only Yes-Secondary only
PE/PT No No
PS No No
Benefits Open Enrollment is October 22 - November 11 7COMPARE
MEDICAL PLANS
PPO HIGH DEDUCTIBLE HMO
BENEFITS PPO OPTION 5 SIMPLY BLUE PPO ENHANCED
COMMUNITY BLUE WITH HSA OR STANDARD
$250 – employee $1,350 – employee. (per IRS)
$500 – employee/($1,500)
Deductible $500 – 2-person $2,700 – 2 or more
$1,000 – 2 or more /($3,000)
$750 – family $2600/$5200- out-of-network
$20 office visit*
$20 for office visit*
(*$5 allergy injections)
(*$15 - chiropractic) None (subject to plan co-insurance
Fixed-dollar copays $20 urgent care and deductible provisions)
$20 urgent care
$100 emergency room
$50 emergency room
(STANDARD: $35OV/$50UC)
Percent coinsurance 80/20% for most
50% for some: lab, x-rays,
(approved amounts 90/10% for most services 80/20% for most services
inpatient and outpatient hospital
after deductible) (STANDARD: 30%/50% )
$1250 - employee $1,000 – employee
$1,000 – employee $2500 - two person or more $2,000 – two person or more
Annual Co-insurance
$2,000 – two person or more $2500/$5000- out-of-network $1500/$3000 – out of network
maximum $2500/$5000- out-of-network (incl.: deductible, fixed-dollar med. (includes deductible, fixed-dollar
Rx co-pays and coinsurance) medical co-pays, coinsurance)
$6,600 – employee $2,500 – employee
$6,600 – employee
Annual out-of-pocket $13,200 – two person or more $5,000 – two person or more
$13,200 – two person or more for
maximum (includes deduct., RXs, coins.) (incl. deductible, coins.)
Enhanced and Standard
$13,200/$26,400 out-of-network $5000/10,000- out of network
BCBSM summaries will be posted online with detailed info, including out-of-network coverage
Benefits Open Enrollment is October 22 - November 11 *Green box indicates changes 8VSP
VISION PLAN
Benefit Description Co-pay Frequency
Focuses on your eye health
$5 copay
Well vision exam exam, including glaucoma
($35 allowance)
Every 12 months
testing, refraction etc.
Frames and lenses covered Frames: $10 copay Every 24 months
up to a certain maximum
Prescription glasses allowance. Discount available
Lenses: $10 copay Glasses or contacts, not both.
Patient responsible for balance in
on the balance. (Decreases if out-of-network) excess of allowance
No Copay
Every 24 months
Contact lenses Up to $130 allowance for
Max. $130
contacts fitting, evaluation etc. Glasses or contacts, not both.
copay does not apply Patient responsible for balance in
($105 if out of network or with excess of allowance
standard HMO)
Benefits Open Enrollment is October 22 - November 11 9RX PRESCRIPTION
PLAN
Snow Pharmacy
Level of Mail-Order
Prescription Drug (90 day supply -not
Prescriptions
Coverage Coverage available w/ HMO Plan)
(90-day supply)
Tier 1 $10 copay $25 copay $7 copay
(Generic) ($3 at Snow Health) (HMO: $20) (HMO: $20)
$75 copay
Tier 2 $60 copay
$30 copay (HMO: $60)
(Preferred Brand )
$150 copay
Tier 3
$60 copay (HMO: $120) $120 copay
(Non-preferred Brand )
Tier 4
$75 copay N/A N/A
(Specialty)
Benefits Open Enrollment is October 22 - November 11 10FLEXIBLE SPENDING
ACCOUNTS
WHAT IS A FLEXIBLE SPENDING ACCOUNT (FSA)?
Pre-tax dollars set aside from your paycheck for predictable health-related
expenses, such as, medical, dental, vision, & dependent care services,
usually not covered by your insurance plan(s).
PLAN RULES
• FSA – Health Care: annual pledge is pre-loaded on a debit card
• FSA – Dependent Care: deduction amount is loaded on debit card
after each payroll (unlike FSA-Health)
• Both FSAs are on “Use-it-or-lose-it basis” for the calendar year
• FSAs require an annual election
IRS ANNUAL MAXIMUMS
• FSA Health Care: $2,650
• FSA Dependent Care: $5,000 (unless married filing separately)
Benefits Open Enrollment is October 22 - November 11 11HEALTHY
BLUE HMO Blue Care Network (HMO) Healthy Blue Living
Deductible, Copays and Dollar
Enhanced Benefits Standard Benefits
Maximums
Deductible
$500 individual and $1,000/family $1,500/individual and $3,000/family
(per calendar year)
$5 for allergy injections $5 for allergy injections
$20 for office visits $35 for office visits
$20 for urgent care visits $50 for urgent care visits
Fixed Dollar Copays $100 for emergency room visits $100 for emergency room visits
No fixed dollar copay for ambulance. No fixed dollar copay for ambulance.
See below for applicable coinsurance. See below for applicable coinsurance.
$20 for referral physician visits $45 for referral physician visits
20% for select services as noted below 30% for select services as noted below
Coinsurance
50% for select services as noted below 50% for select services as noted below
$1,000 per member and $2,000 per family $1,500 per member and $3,000 per family
Annual Coinsurance Maximum
Sample services that DO NOT apply to the ACM: Deductible, Fixed Dollar Copays, Infertility, Male Mastectomy,
(per calendar year) Reduction Mammoplasty, Male Sterilization, Elective Abortion, TMJ, Orthognathic Surgery, Weight Reduction,
DME, P&O, Diabetic Supplies, Prescription Drugs
Out of Pocket Maximum - applies to
$6,600 per individual and $13,200 per family $6,600 per individual and $13,200 per family
deductibles, co-pays, coins.
Benefits Open Enrollment is October 22 - November 11 12ENHANCED
HMO PLAN
WITHIN THE FIRST 90 DAYS
AFTER PLAN EFFECTIVE DATE
QUALIFICATION STEPS:
1. Annual on-line health assessment survey
2. Annual PCP visit (Qualification Health Form
completed by PCP and sent to BCN)
▪ Score all A’s on all wellness measures
▪ OR work with PCP to develop a plan
to meet the wellness measures.
If the above steps are met, everyone on
your plan will be in the enhanced level
(lower out-of-pocket expenses) .
Benefits Open Enrollment is October 22 - November 11 13HSA
WITH HDHP
• To participate in an HSA you must be enrolled in HDHP and
• Not covered under any other health insurance (unless another HDHP)
• Not enrolled in Medicare or receiving any VA benefits
• HSA funds can be used for:
• Deductibles, copays and coinsurance, Rx, vision and dental, COBRA, or Health Insurance if
unemployed
• HSA funds are pre-tax, deposited into your “Health Equity”
• Funds grow tax free and are not taxed when you pay for qualified health expenses
• 20% penalty if money is spent on a non-qualified expense prior to age 65 (save receipts)
• EMU contributes $500 for single and $1,000 for two or more
• Debit card and monthly account statements sent to your home
Benefits Open Enrollment is October 22 - November 11 14HSA
IRS LIMITS Contribution and Out-of-Pocket Limits
for Health Savings Accounts and High-
Deductible Health Plans
2019 CHANGE FORM 2018
HSA contribution limit (employer Self-only: $3,500 Self-only: +$50
+ employee) Family: $7,000 Family: +$100
HSA catch-up contributions
(age 55 or older)* $1,000 No change**
Self-only: $1,350 Self-only: No change
HDHP minimum deductibles
Family: $2,700 Family: No change
HDHP maximum out-of-pocket
Self-only: $6,750 Self-only: +$100
(deductibles, co-payments and other
Family: $13,500 Family: +$200
amounts, but not premiums)
* Catch-up contributions can be made any time during the year in which the HSA participant
turns 55.
*Green box indicates changes
Benefits Open Enrollment is October 22 - November 11 15COMPARE
PLAN RATES
Per Pay: Semi-Monthly and Bi-Weekly Premiums (24 deductions for all e-classes)
HEALTH CARE PLANS
BCBSM Simply Blue HDHP
Coverage BCBSM PPO Option 5 BCN HMO
w/ HSA
Category
Current 2019 Current 2019 Current 2019
Single $37.79 $41.00 $27.88 $31.75 $9.29 $10.63
Two Person
$75.63 $82.08 $55.67 $63.46 $18.54 $21.13
Family
(3-4 covered) $90.75 $98.46 $69.54 $79.29 $23.17 $26.38
Family Plus
(5+ covered) $105.83 $114.83 $83.54 $95.21 $27.88 $31.75
*Green box indicates changes
Benefits Open Enrollment is October 22 - November 11 16MEDICAL PLANS
OPT-OUT CREDIT
MEDICAL PLAN OPT-OUT CREDIT
E-CLASS 2018 2019
AC, AH, AP, CA $2000 $2000
CP $2000 $2000
CS $1524 $2000
FA $2000 $2000
FM $1200 $1200
LE $1200 $2000
PE/PT $1704 $1732
PS $2000 $2000
*Green box indicates changes
Benefits Open Enrollment is October 25 - November 12 17COVERAGE
ELIGIBILITY
• EMPLOYEES: employed 50% or greater
• SPOUSAL COVERAGE
o SPOUSAL EXCLUSION: applies to all spouses if eligible for subsidized coverage elsewhere
o FA/LE/CS/FM/CP may be allowed to remain on EMU plan(s) as secondary coverage
• CHILDREN (children, step-children, foster children, legally adopted children):
o Medical: Until the end of the month in which they turn 26 (even if married)
o HMO - until end of the calendar year in which they turn 26 (even if married)
o Dental: Until the end of the calendar year in which they turn 19 (25 if claimed as dep.)
• CHILD(REN) for whom the employee is required to provide coverage under a court order
• DEPENDENT CHILD(REN) OF ANY AGE: if permanently disabled or handicapped
• SPONSORED DEPENDENT AND ADDITIONAL ELIGIBLE ADULT (AEA): allowed only for FA
• Qualification requirements may include proof of residency and financial co-share
Benefits Open Enrollment is October 22 - November 11 18DENTAL
BENEFITS*
COVERAGE LEVEL
BASIC PREVENTATIVE MAJOR ORTHODNOTIC ANNUAL
E-CLASS SERVICES SERVICES SERVICES SERVICES MAXIMUM
(CLASS I - exams, (CLASS II - oral surgery, (CLASS III - bridges,
(CLASS IV – braces) PER PERSON
cleaning , x-rays) crown, root canal, filling) dentures and implants)
AC, AH, AP, 50%
100% 80% 50% $1500
CA (ortho lifetime max.: $2,000/pp)
CP 100% 75% 50% 50% $1000
(ortho lifetime max.: $1,500/pp)
CS 100% 80% 50% 50% $1500
(ortho lifetime max.: $2,000/pp)
FA 100% 80% 50% 50% $1000
(ortho lifetime max.: $1,500/pp)
FM 100% 75% 50% 50% $1000
(ortho lifetime max.: $1,500/pp)
LE 100% 80% 50% 50% $1000
(ortho lifetime max.: $1,500/pp)
PE/PT 100% 80% 50% 50% $1500
(ortho lifetime max.: $2,000/pp)
PS 100% 75% 50% 50% $1000
(ortho lifetime max.: $1,500/pp)
*Dental Benefits are fully paid by EMU *Green box indicates changes
Benefits Open Enrollment is October 22 - November 11 19EVALUATING
DISABILITY COVERAGE
SHORT-TERM DISABILITY COVERAGE
COVERAGE DISABILITY INCOME WEEKLY
E-Class PREMIUM
EFFECTIVE STARTS REPLACED MAXIMUM
AC / AH 8th day of 67% of
30th Day of Hire $2,500 Fully paid by EMU
AP / CA disability Base Salary
1st of the month after 8th day of 60% of CP $400
CP / PS Fully paid by EMU
91st Day of Hire disability Base Salary PS $2,500
8th day of
1st of the month after disability 60% of
PE / PT $2,500 Fully paid by EMU
91st Day of Hire or 1st day of Base Salary
hospitalization
CS 15th day of 66.6% of Employee pays $6.96/mo;
121st Day of Hire $300
disability Base Salary remainder paid by EMU
FM 1st of the month after 15th day of 66.6% of Employee pays $19.84/mo;
$800
91st Day of Hire disability Base Salary remainder paid by EMU
Employee pays $14.59/mo;
LE 1st Day of Second 7th day of 66.6% of Base
$300 remainder paid by EMU
semester disability Salary
Maximum 13 weeks
Benefits Open Enrollment is October 22 - November 11 20EVALUATING
DISABILITY COVERAGE
LONG-TERM DISABILITY COVERAGE
COVERAGE DISABILITY INCOME
E-CLASS MAXIMUM DURATION
EFFECTIVE STARTS REPLACED
AC, AH, AP, 1st day of the
91st day of 65% of base
CA, CS, month after 90 $7,000/mo
disability salary
PE/PT days of hire
60% of base
CP, FM, PS Same Same $5,000/mo
salary Up to age 65; or if disability
occurs after age 60 for 5
1st day of the years or age 70, whichever
91st day of 65% of base
FA month after 90 $7,000/mo is less
disability salary
days of hire
1st day of second 91st day of 65% of base
LE $7,000/mo
semester disability salary
Long Term Disability Premiums are fully paid by EMU
Benefits Open Enrollment is October 22 - November 11 21BASIC LIFE
INSURANCE
GROUP TERM LIFE and AD&D INSURANCE
LIFE INSURANCE AMOUNT:
E-CLASS MAXIMUM • 1ST Year of Employment: Base salary,
rounded up to the nearest $1,000 (max. applies)
AC / AH / AP / • After 1st Year of Employment: 2X Base salary,
$275,000
CA/CS/FA/FM rounded up (maximum applies)
CP / PE/PT / PS $100,000 LIFE INSURANCE COVERAGE TIPS:
• AD&D is included for the same value.
• Premium is fully paid by the university.
• Subject to tax on imputed income for Life
LE $200,000
Insurance amounts over $50,000.
• Reduces by 35% at age 65
Benefits Open Enrollment is October 22 - November 11 22SUPPLEMENTAL LIFE
AND AD&D
INSURANCE
GUARANTEED ISSUE AMOUNTS AND INCREMENTS
Employee
• Available in increments of $10,000 (EOI required for any amounts greater than $10,000)
• Maximum of 5x salary or $500,000 (whichever is less) guaranteed issue ($200,000 for new hires)
Spouse
• Available for amounts of:
• $15,000
• $50,000
• $100,000
Dependent Child (6mo – 19 or 23 if still a student)
• Available for amounts of:
• $10,000
• $15,000
FOR ANY AMOUNT OVER GUARANTEED ISSUE AMOUNT: Evidence of Insurability (EOI) form is required
• AD&D is available for employee only
Spouse and Child Supplemental Life Insurance coverage must be of equal or lesser value to Employee Supp. Life
Benefits Open Enrollment is October 22 - November 11 23EVALUATING
VOLUNTARY
INSURANCE RATES
Supplemental Life Insurance
Coverage Rates Employee Supplemental AD&D
Age Band Rate per $1,000/mo Rate: $0.018/ $1,000/ mo
0-24 0.047
25-29 0.048 Child Supplemental Insurance
30-34 0.065 Rates: $0.108/ $1,000/ mo
35-39 0.083
40-44 0.1 Spouse Supplemental Insurance
45-49 0.149 Rates: similar age band rates
50-54 0.23
55-59 0.43
Example:
60-64 0.613
I am 50 and I need $50,000:
65-69 1.159
0.23 X $50,000/ 1,000 = $11.50/mo
70-125 1.877
Benefits Open Enrollment is October 22 - November 11 24EMPLOYEE PURPOSE
Intended to help employees with referrals and problems that
might adversely impact their job performance, health and/or
ASSISTANCE well-being.
WHO IS ELIGIBLE?
PROGRAM (EAP) Any employee or family member of employee upon date of hire.
WHO CAN I CONTACT FOR ASSISTANCE?
Benefits Open Enrollment is October 22 - November 11 25VOLUNTARY
BENEFITS
Critical Illness Insurance (UNUM)* Accident Insurance (UNUM)
• Pays a lump sum if you are diagnosed with a • If you are accidentally injured, this coverage
covered serious medical condition (heart attack) can pay you money for more than 50 types of
• You can get this coverage without a health exam injuries, can help cover co-pays and
or medical questions at this OE. deductibles. Includes a Wellness $50 reward
Hospital Indemnity* Pet Insurance (Nationwide)
Insurance (UNUM)
• You can use this benefit to help cover
• Pays for the out-of-pocket expenses associated expenses and offset the cost of owning a pet.
with hospital stay that medical insurance doesn't • May include a specific network of vet providers
cover, such as co-insurance, co-pays, deductibles
• You can get this coverage without a health exam
or medical questions at this
Note: AAUP FA members are not included in this offer
* Require minimum number of enrollment in plan.
Benefits Open Enrollment is October 22 - November 11 26TIAA
RETIREMENT
EMPLOYER EMPLOYEE
EMPLOYER MATCH
CONTRIBUTION CONTRIBUTION
HIRE DATE ON HIRE DATE ON HIRE DATE HIRE DATE ON HIRE DATE HIRE DATE ON
E-CLASS OR BEFORE OR AFTER BEFORE OR AFTER BEFORE OR AFTER
AC, AH, 12/31/12 1/1/13 No contr. 1/1/13 1/1/13
No matching
AP, CA 9% 5% required at least 4% for match 4%
No contr. 7/1/16
6/30/16 7/1/16 No matching 7/1/16
CP required at least 1%
10% 5% 1:1 up to 5%
1:1 match up to 5%
No contr. 7/1/16
6/30/16 7/1/16 No matching 7/1/16
CS required at least 1%
8% 4% 1:1 up to 4%
1:1 match up to 4%
FA 11% No Match No Match
at least 1%,
FM 5%
1:1 match up to 4%
1:1 match up to 4%
No contr. 1/1/17
12/31/16 1/1/17 No matching 1/1/17
LE required at least 1%
10% 5% 1:1 up to 5%
1:1 match up to 5
at least 1%,
PE/PT 5%
1:1 match up to 5%
1:1 match up to 5%
No contr. 7/1/13
6/30/13 7/1/13 No matching 7/1/13
PS required at least 1%
11% 5% 1:1 up to 5%
1:1 match up to 5%
Benefits Open Enrollment is October 22 - November 11 27HOW TO
ENROLL
VIEW YOUR BENEFITS STATEMENT
1 1.
2.
3.
4.
5.
Visit my.emich.edu
Click on the Employee Tab
Next, click on "Enroll in Benefits" link on the right side of screen
Log on to Benefitfocus with the same log in you use for my.emich
Click on the green button "Enroll Now"
2 MANAGE HOME ADDRESS
Your address is important for your medical and dental
plan enrollment and in order to receive insurance cards
and correspondence.
6. Next, you will see "Welcome to the EMU Benefits Enrollment”
7. To access your current benefit elections, do one of the following:
1. Under My Documents on the bottom left of the screen click Visit my.emich.edu to view or make changes to the home
1. Employee Detail Report or address we have on file for you.
2. Employee Benefits Summary
8. You can also click on ♥Benefits on the left side menu to see a display
of your elections (summary of costs per pay is available by clicking on
the shopping cart in the upper right corner)
3 MANAGE DEPENDENTS
Add or remove eligible dependents on the new online
Benefits Enrollment system. Log in to make changes.
4 MANAGE BENEFICIARIES
Add or remove beneficiaries on the new online
Benefits Enrollment system
For more information on dependent eligibility and acceptable (Note: Beneficiaries for the 403b and 457b Retirement are
proof of dependency, please visit HR website managed separately on the TIAA.org website)
During Open Enrollment, you may verify or provide name, During Open Enrollment, you may verify or provide name
address, social security, date of birth for your dependents. and contact information for your insurance beneficiaries.
Benefits Open Enrollment is October 22 - November 11 28STEPS FOR
IMPORTANT TIP
Avoid clicking the back/return arrow; use PREVIOUS or NEXT
• For 2019, you MUST log in only if you have
OPEN ENROLLMENT FSA/HSA, or if you are a new hire as of Oct. 1,
2018 with a 90-day waiting period.
1 On my.emich.edu, under Employee Tab, on the right side, you will see a link to Enroll in Benefits
• Click “Enroll Now” and then, the “Get Started” button in blue (LINK – available on October 22)
2 • Verify/Update/Add/Remove Dependents Proof of dependency documentation must be uploaded within 10 days through
“Document Manager” or by the Benefits Office
3 • Go through the workflow and complete each section required or desired “Offer” (Health/ Life/ Disability/ Retirement)
• Health Offer:
4 •
•
Verify Medicare coverage – for yourself and your dependents (Medical card number will be needed)
When selecting your Medical plan, make use of the “Compare Plans” feature in the upper mid section.
• Life Offer
• Prior supplemental coverage for yourself, your spouse and your child(ren) may be pre-selected. To change, complete the entire
5 •
Life Offer and the click “edit” at the end
If electing or increasing by more than the guaranteed $10,000, you will need to complete Evidence of Insurability
• Coverage will “pend” until approved by Aetna. Your supplemental life has to be of equal or greater value than spousal and child.
• Disability Offer
6 •
•
Your Disability offer is pre-selected for STD and LTD
For LE/FM/CS, if purchasing STD for the first time, you may need to complete EOI
• Retirement Offer
7 •
•
EMU only matches on percentage for the 403 (b) plan and not the 457(b) and 457b now allows a ROTH pre-tax election for 2019
Elections can be changed at any time and will be processed based on the cut-off date for the following payroll.
Review summary detail to the right: costs, benefits and if satisfied, click on the green "Complete Enrollment"
Review and save Benefit Statement and Faculty and Staff Detail for your records
Benefits Open Enrollment is October 22 - November 11 29HAVE QUESTIONS?
WE ARE HERE TO HELP.
Benefits Office:
Remember:
Call: 734-487-3195
You must make
your benefit elections by
between 9:00 a.m. and 5:00 p.m.
8:00 P.M. SUNDAY, Monday through Friday
NOVEMBER 11 or email hr_benefits@emich.edu
NEED MORE IFNORMATION?
Visit Benefits & Wellness at emich.edu/hr/benefits-wellness and
select Open Enrollment for more information about coverage
options, rates, and other benefits.
Benefits Open Enrollment is October 22 - November 11 30You can also read
