2021 OPEN ENROLLMENT GUIDE MSU Support Staff - MSU Human ...
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MSU Support Staff
OPEN ENROLLMENT GUIDE
Time to
Choose Your
Benefits for
2021
HIGHLIGHTS:
Page 2 Page 3 Page 5 Page 21
Determine if you need Find instructions to See contact info for all Learn about vision, critical
to participate this year. complete enrollment. benefits providers. illness & legal insurance.
hr.msu.edu/open-enrollment
WELCOME TO THE 2021 Table of Contents
OPEN ENROLLMENT PERIOD 2 Should You Participate?
It’s time to choose your benefit options for the 3 Open Enrollment Instructions
2021 plan year! MSU Open Enrollment will be
held from October 1-31, 2020. During this time, 4 What’s New or Notable for 2021?
you can re-evaluate your benefit needs and make 5 COVID-19 Impact to Benefits
changes to benefit selections.
5 Benefits Provider Contact Info
This guide contains information about the 6 Summary of Health Plan Provisions
benefits options available for eligible support
staff employees. 8 Staff Monthly Health Plan
Premiums
Questions? We’re here to help. 9 Glossary of Terms
SolutionsCenter@hr.msu.edu 10 Health Plan Coverage Summary
517-353-4434 OR call toll-free 800-353-4434 14 Prescription Drug Information
hr.msu.edu/open-enrollment 15 Dental Plan Information
17 Life Insurance Information
Virtual Benefits Fair
In an effort to reduce the spread of COVID-19, we will not be
18 Accidental Death & Dismemberment
Insurance
having an in-person Benefits Fair this year. We’re pleased to
offer a Virtual Benefits Fair in October, where you’ll find an online
19 Flexible Spending Accounts
source for curated content from our benefits vendors. HR staff and
benefits vendors will be available to answer questions via chat or 21 Voluntary Benefits
audio/video call. Find dates and times for the upcoming virtual fair
at: hr.msu.edu/open-enrollment/benefits-fair.html 23 Teladoc for Online Medical Care
23 Teladoc Medical Experts (formerly
Drive-Through Flu Shots Best Doctors)
MSU Pharmacies is offering drive-through flu shots this fall. Learn
more about the vaccine on their website: pharmacy.msu.edu/ 24 Livongo for Diabetes Management
pharmacy-news/flu-vaccine-offered-by-the-msu-health-care-
24 Retirement Programs at MSU
pharmacies
Appendix – Legal Notices
Disclaimer: This guide is not a contract. It is intended to help you compare the various
MSU health plans. The summary describes plan features in general terms, but is not a full
description of coverages. Please contact BCBSM or BCN directly if you need to confirm
coverage or determine if prior authorization is required. Information provided in this guide
may be updated periodically to provide the clearest and most accurate information. If
updates occur, the updated version will be available on the HR website.
Should You Participate?
Do you need to take any action during the Open Enrollment period? Answer the following question:
As an MSU benefits-eligible employee, which of the following statements is true regarding your
benefits? Check all boxes that apply to you.
I currently cover a spouse/other eligible I do not cover a spouse/OEI under my health
individual (OEI) under my health benefits benefits.
(who is NOT an MSU benefits-eligible
employee or retiree), and I want to continue I do not want to make any changes to my
their coverage in 2021. You must complete health or dental insurance and want to keep
a Spouse/OEI Affidavit every plan year to the exact same coverage in 2021.
continue coverage. See page 3 for instructions.
I do not want to enroll in, change or cancel
I want to enroll in, change or cancel health or my life or accidental death & dismemberment
dental insurance coverage for myself and/or insurance.
my eligible dependent(s).
I do not want to enroll in, change or cancel my
I want to enroll in, change or cancel life or voluntary vision, legal and/or critical illness
accidental death & dismemberment insurance insurance.
for myself and/or my eligible dependent(s).
I do not want to enroll in a Flexible Spending
I want to enroll in, change or cancel my
Account (FSA) for 2021.
voluntary benefits (e.g. vision) options for
myself and/or my eligible dependent(s). See
I currently elect to waive my health care
page 21 for more info.
coverage through MSU, and I want to continue
I want to enroll or re-enroll in a Flexible to waive my health care coverage through
Spending Account (FSA). You must re-enroll in MSU. See page 7 for more details.
an FSA every plan year.
I elect to waive my health care coverage
through MSU. See page 7 for how to enroll in
the waiver.
YES! If you selected any of the above options,
you must participate in Open Enrollment
NO! If you only selected the above option(s),
and did not select any options in the “Yes”
between Oct. 1–31. See page 3 for column, you do not need to participate
enrollment instructions. in Open Enrollment. However, we still
encourage you to review your benefits
options to make sure you’re getting the
best coverage.
Questions? Visit hr.msu.edu/open-enrollment │ 2
Open Enrollment Instructions
Use the Enterprise Business System (EBS) to complete Open Enrollment for health, dental, life and
flexible spending accounts. Follow these steps:
1 Visit ebs.msu.edu. Log in with your MSU
NetID. No NetID? Visit netid.msu.edu or call
9 The next screens display the different plans
available (health plans, flexible spending
MSU IT at 517-432-6200. accounts, life/accident plans, etc.). You can
Add, Edit or Delete enrollment in these plans.
2 Click the My Benefits top navigation tab. To exit, click Cancel – all changes will be lost.
10 When you reach the Review and Save screen
you can Add, Change or Remove coverage by
3 Click the Benefit/Retirement Enrollment and
Changes tile. Select the Open Enrollment
using the top navigation to navigate back to
previous screens. Click Save.
option from the dropdown menu, then click
Next.
11 On the final screen, review info on the Benefit
4 A CDHP/HSA plan disclaimer will appear Elections Summary. You have the option to
(regardless of your eligibility for CDHP/HSA). click additional links such as MSU Benefits
Read and click OK. Plus or Retirement/Health Savings Accounts.
12 You have completed the enrollment steps for
the MSU administered benefit programs. You
5 If the Health Plan Affidavit for Spouse/OEI
appears, answer Yes or No and click Next.
should receive a confirmation email shortly.
The following statement will confirm your
answer. If the info is correct, click Next.
6 On the Personal Profile screen, verify name
and address info and click Next. To make
corrections, find instructions at hr.msu.edu/
ebshelp/personalprofile/addresses.html.
7 On the Dependents screen, verify all family
members/dependents and click Next. If info
Enrollment Instructions Video
The visually inclined can watch a How-To
is missing, exit Open Enrollment and submit
Enroll Video on the HR website at hr.msu.edu/
the Add a Family Member or Dependent
open-enrollment/instructions.html.
form. If it is inaccurate, contact MSU HR.
Other Enrollment Instructions
8 The Benefits Summary screen displays
current coverage. When finished reviewing, Page 21: Voluntary Benefits (vision, legal,
click Next. critical illness insurance, among others)
Page 24: Retirement Programs
3 │ Support Staff Open Enrollment Guide – 2021 Edition
What’s New or Notable for 2021?
Read the following important changes, updates, and/or reminders regarding this year’s Open Enrollment and the
2021 plan year. Visit the HR website (hr.msu.edu) for the most up-to-date info.
NEW INFORMATION Best Doctors Now Called Teladoc Medical Experts
+ New Support Option
Increase to Premium Threshold for Spousal
You will still have the same great benefit, just with a
Affidavit
different name and branding effective January 1, 2021.
If your spouse/other eligible individual (OEI) has
Additionally, they have a new support option called
access to health care coverage through their own
Mental Health Navigator. Learn more on page 23.
current or former employer, they must purchase the
coverage their own employer offers if the annual
NOTABLE INFORMATION
employee premium cost for single-person coverage is
$1,500 or less. You may still cover your spouse/OEI on Federal Regulations Allowing Benefit Changes
your MSU health coverage as a secondary plan. During Emergency Situation
During the COVID-19 emergency period only, which
Aetna DMO Co-Pay Changes
began March 1 and ends 60 days after the national
Aetna DMO co-pays for orthodontics have increased.
emergency period officially ends, changes to health,
Co-pays have not changed for the Aetna Premium
dental and health care and dependent care flexible
DMO plan. Find co-pays by plan on page 16.
spending accounts are allowed even if unrelated to a
MSU’s Flexible Spending Account Plan qualified life event. This means you can make updates
Administrator Update outside of Open Enrollment in October for health,
MSU’s flexible spending account (FSA) plan dental and FSA plans. Learn more on page 5.
administrator, WageWorks, was recently acquired by
Flexible Spending Accounts (FSA): Difference
HealthEquity. This means you will see new co-branding
Between Dependent Care and Health Care FSA
between WageWorks and HealthEquity as these two
MSU’s FSA vendor offers eligible employees two
companies join to provide the best experience possible
different FSAs: Dependent Care FSA and/or Health
to their members. Your FSA plan will remain the same,
Care FSA. Before you enroll, make sure you know the
they are simply changing their name and branding.
difference between the two options. Learn more on
Increase to Benefit Level for Life and Accidental page 19.
Death and Dismemberment (AD&D) Insurance
Review Your Voluntary Benefit Options, Such as
Employee-paid Life and AD&D insurance is now
Vision, Legal and Critical Illness Insurance
available at a benefit level 10 times your salary. Learn
Many voluntary benefits – like vision, legal, and critical
more on pages 17 and 18.
illness insurance – require you to enroll, make changes
or cancel during the Open Enrollment period. Learn
more on page 21.
Questions? Visit hr.msu.edu/open-enrollment │ 4BENEFITS COVID-19 Impact to Benefits
PROVIDER
CONTACT INFO Usually, during the Open Enrollment period (Oct. 1–31) you are free to
add, change or cancel your benefits. However, effective March 1, 2020, the
Aetna Dental Department of Labor (DOL) and Internal Revenue Services (IRS) provided
877-238-6200 provisions to extend deadlines for birth, marriage and loss of coverage and relax
aetna.com rules for adding, canceling and changing health, dental and flexible spending
BCN account (FSA) plans. The changes are in effect until 60 days after the COVID-19
800-662-6667 emergency period ends, as determined by the federal government.
bcbsm.com These provisions are temporary and subject to change by the DOL and IRS at any
Community Blue time due to the changing nature of the pandemic. We strongly encourage you to
888-288-1726 carefully review and make any necessary changes to your benefits options for the
bcbsm.com 2021 plan year during the Open Enrollment period in October.
CDHP (by BCBSM) What Happens When the COVID-19 Emergency Period Ends?
888-288-1726 60 days after the emergency period ends, the provisions provided by the DOL
bcbsm.com
and IRS will no longer be in effect and you WILL NOT be able to reverse or
CVS/Caremark change your benefits, which includes the following:
800-565-7105 • Switch from one health or dental plan to another.
caremark.com
• Add yourself or additional dependents to health or dental coverage.
Delta Dental
• Cancel or change health or dental coverage for you or your dependent(s).
800-524-0149
deltadentalmi.com • Cancel or change life or accidental death and dismemberment insurance.
HealthEquity • Enroll or re-enroll in a flexible spending account plan.
HSA: • Add, cancel or change voluntary vision insurance, group legal services and
877-219-4506 critical illness insurance.
learn.healthequity.com/
msu/hsa Your choices are permanent until the next Open Enrollment period, with changes
effective January 1. Carefully review Open Enrollment materials to help you select
FSA:
the plans that best meet your coverage and financial needs.
877-924-3967
WageWorks.com Note on Vision, Legal and Critical Illness Insurance:
Prudential This temporary change from the DOL and IRS does NOT extend to voluntary
877-232-3555 vision, legal, and critical illness insurance. If you need to cancel, add or change
Prudential.com any of these voluntary benefits options you must do so during Open Enrollment
in October.
MSU Benefits Plus
888-758-7575
MSUBenefitsPlus.com
VISIT
hr.msu.edu
for brochures about MSU
benefits plans and options.
5 │ Support Staff Open Enrollment Guide – 2021 EditionSummary of Health Plan Provisions (Continued on next page)
Blue Care Network (BCN) For questions about specific coverage details or to
BCN is a Health Maintenance Organization (HMO), access a listing of PPO participating providers, visit
which means you select and work closely with BCBSM.com or call 888-288-1726.
a primary care physician to manage your care. Highlights of the Community Blue PPO Plan:
Deductibles, co-insurance and prior authorization
• Does not have an in-network deductible
requirements apply in some circumstances.
requirement.
The in-network deductible is $100 per individual and
• Higher premium cost.
$200 per family. After meeting the deductible, a 20%
• More flexibility in managing care.
co-insurance may apply, up to a maximum of $3,000/
single or $6,000/family, per calendar year. • Does not require you to choose a primary care
physician.
For questions about specific coverage details or to
For more information, see the Health Plan Coverage
access a listing of BCN participating providers visit
Summary on page 10.
BCBSM.com or call 1-800-662-6667.
Highlights of the BCN Plan: Consumer Driven Health Plan (CDHP) with Health
• Lower premium cost. Savings Account (HSA)
• Only eligible to employees who live in Michigan. This plan is only available to non-union support staff and
their benefits-eligible dependents. Support staff represented
• Access coverage with BlueCard when traveling out-
by a union are not eligible. If you do not anticipate having
of-state and Blue Cross Blue Shield Global Core for
high health care needs and are looking for a sound strategy
traveling outside of the USA.
to save for your retirement health care, this plan may be
• Plan does not require a referral, but some services
the most cost-effective option for you. To enroll in the
are subject to prior authorization.
plan, contact HR Solutions Center for an Offline Enrollment
• You must choose a primary care physician. Form: SolutionsCenter@hr.msu.edu or 517-353-4434.
For more information, see the Health Plan Coverage
Consumer Driven Health Plan
Summary on page 10.
While you pay a deductible ($2,000/single and $4,000/
family) first before the plan pays medical and prescription
Community Blue PPO
benefits, preventive care and certain generic medications
Community Blue is a Preferred Provider Organization
for chronic conditions (asthma, cholesterol, diabetes, and
(PPO), which gives you the flexibility to manage
anti-hypertensives) are 100% covered with no deductible
your own care. Deductibles, co-insurance and
or co-pays when using an in-network provider. Review the
prior authorization requirements apply in some
Health Plan Coverage Summary on page 10 to anticipate
circumstances. There is a worldwide network of
your annual costs under this plan – you may find that most
participating PPO physicians and hospitals.
of your annual medical costs are 100% covered.
The deductible is $0 for in-network services and $250/
The provider network for this plan is the same as the
single or $500/family for out-of-network services. After
Community Blue PPO plan, which means you can choose
meeting the out-of-network deductible, a 20% co-
from a larger provider network.
insurance may apply, up to a maximum of $2,000/single
or $4,000/family, per calendar year. This plan limits the maximum amount you pay for any
covered services in a year to $3,000/single and $6,000/
Questions? Visit hr.msu.edu/open-enrollment │ 6Summary of Health Plan Provisions (Continued from previous page)
family using in-network providers. After expenses reach this Enrollment is not automatic, you must enroll online for
amount, you do not have to pay for any other health care the waiver during Open Enrollment.
costs, including prescription drugs.
Note: Employees and spouses who are both employed
Health Savings Account at MSU are not eligible for the waiver option. Find
Along with the CDHP, you should enroll for the HSA at detailed waiver info at
the same time. MSU contributes up to $750 to the HSA hr.msu.edu/benefits/healthcare/waiver.html.
each year and you may add funds to the HSA tax-free. If
you do not enroll during Open Enrollment, you will lose Summaries of Benefits and Coverage (SBC)
MSU’s contribution. You can use these HSA funds to pay The Affordable Care Act requires health plans and
for any eligible medical expenses or doctor visits you employers who provide self-insured plans to provide
do incur. Employer and employee combined annual HSA comparative information to consumers on health
contributions are limited to the 2021 IRS limits of $3,600/ plan options. Find SBC documents for the health plan
single and $7,200/family. These contributions are triple options at hr.msu.edu/benefits/summaries/.
tax-free! You make contributions pre-tax, your account
balance earns interest tax-free, and your distributions are Legal Notices
tax-free if they are used for eligible medical expenses. Our legal notice publication is attached to the end of this
Please Note: due to IRS regulations, Health Care FSAs PDF. It includes important legal notices regarding health
are not compatible with Health Savings Accounts care privacy and other laws.
(HSA). You are unable to participate in a Health Care
FSA if you enroll in the HSA offered with the CDHP.
Do you have an existing HSA from a previous employer?
You can add those funds into your new HSA. The money
in the HSA is yours to take with you – even if you leave
MSU for a different employer or retire. In fact, investing
in your HSA now to use in your retirement is a sound
strategy to fund your medical expenses in retirement.
For questions about the CDHP, contact Blue Cross Blue
Shield of Michigan at 877-354-2583. For questions about
the HSA, contact Health Equity at 888-288-1726.
Health Plan Waivers
If you are covered by another health plan that
adequately meets your health care needs you may
want to consider waiving your MSU health coverage.
Individuals who waive coverage will receive a payment
of up to $600 per year. Payments occur in February
for the previous plan year. This means if you enroll in
the waiver for the 2021 plan year, you will receive your
payment in February 2022.
7 │ Support Staff Open Enrollment Guide – 2021 EditionStaff Monthly Health Plan Premiums
Contributions are made pre-tax through PLAN COVERAGE FULL-TIME 3/4 TIME 1/2 TIME
payroll deduction on a monthly basis. TIER STAFF (65%–89.9%) (50%–64.9%)
STAFF STAFF
Dependent Age Criteria
Blue Care Network Single Paid by MSU $146.53 $293.08
Children (biological, step or adopted) (BCN) with CVS/ 2 person Paid by MSU $307.73 $615.46
are eligible through the end of the Caremark(2) Family Paid by MSU $366.35 $732.69
calendar year they turn age 26. CDHP with Single $27.38 $95.02 $227.30
Non-adopted grandchildren, nieces, HSA with CVS/ 2 person $52.52 $124.16 $402.50
nephews or wards are eligible through Caremark(3) Family $61.31 $130.61 $463.32
legal guardianship through the end of Community Blue Single $284.64 $431.17 $577.72
PPO with CVS/ 2 person $597.75 $905.48 $1213.21
the calendar year they turn age 23.
Caremark(1) Family $711.60 $1077.95 $1444.29
Dependents who become incapacitated 1. The lowest cost plan for most support staff for the 2021 plan year is Blue Care Network.
before age 19 can continue coverage 2. Support staff who select the Community Blue plan will pay the difference between the two
plans on a pre-tax basis.
after age 23 or 26 by completing the 3. This plan is only available to non-union staff. You pay 7% of the plan premium on a pre-tax
MSU Dependent Disability Certification basis. Learn more about the CDHP with HSA plan on page 6.
Form.
You will receive an email from HR with
options to continue coverage for children
once they have aged out of coverage.
Health Plan Premiums for Sponsored Dependents
This is the monthly premium rate to add a PLAN SPONSORED DEPENDENT
sponsored dependent to your health and Blue Care Network (BCN) with
$703.40
prescription coverage. A sponsored dependent CVS/Caremark
is someone who is related to you by blood, CDHP with HSA with CVS/
$410.53
marriage or legal adoption, is a member of your Caremark
household and is dependent on you for more Community Blue PPO with CVS/
$1044.96
than half of their support. The dependent must Caremark
meet the IRS dependency test. Find details on The sponsored dependent premium is in addition to the staff monthly premium rates
listed above.
the HR website: hr.msu.edu.
Health Plan Premiums for Family Continuation
This is the premium rate if you wish to add a PLAN FAMILY CONTINUATION
non-adopted grandchild, niece, nephew or ward Blue Care Network (BCN) with
$293.07
through legal guardianship (age 23 to 25) to your CVS/Caremark
health and prescription coverage. More details can CDHP with HSA with CVS/
$171.04
be found on the HR website: hr.msu.edu. Caremark
Community Blue PPO with CVS/
$435.39
Caremark
The family continuation premium is in addition to the staff monthly premium rates
listed above.
Questions? Visit hr.msu.edu/open-enrollment │ 8Glossary of Terms
Allowed Amount Out-of-pocket Maximum(s)
Maximum amount on which payment is based for The highest amount you are required to pay for
covered health care services. If your provider charges covered services. Once you reach the out-of-pocket
more than the allowed amount, you may have to pay maximum(s), the plan pays 100% of expenses for
the difference. covered services.
Coordination of Benefits (COB) Prior Authorization
A provision to help avoid claims payment delays and A decision by your health insurer or plan that a health
duplication of benefits when a person is covered by care service, treatment plan, prescription drug or
two or more plans providing benefits or services for durable medical equipment is medically necessary.
medical, dental or other care/treatment. One plan Sometimes called preauthorization, prior approval or
becomes the “primary” plan and the other becomes precertification. Your health insurance or plan may
the “secondary” plan. This establishes an order in require prior authorization for certain services before
which the plans pay their benefits. you receive them, except in an emergency. Prior
authorization isn’t a promise your health insurance or
Co-payment plan will cover the cost.
A fixed amount you pay for a covered health care
service, usually when you receive the service. The Premium
amount can vary by the type of service. The amount that must be paid for your health
insurance or plan. You and/or your employer usually
Deductible pay it monthly, quarterly or yearly.
A set dollar amount that you must pay out-of-pocket
toward certain health care services before insurance Referral
starts to pay. Deductibles run on a calendar-year Specific directions or instructions from your primary
basis. care physician that direct a member to a participating
health care professional for medically necessary care.
Durable Medical Equipment (DME) A referral may be written or electronic.
Equipment and supplies ordered by the health care
provider for everyday or extended use. Coverage for
DME may include: oxygen equipment, wheelchairs,
crutches or blood testing strips for diabetics.
In-network
Refers to the use of health care professionals who
participate in the health plan’s provider and hospital
Benefits 101
network.
Out-of-network
Refers to the use of health care professionals who are
not contracted with the health insurance plan.
9 │ Support Staff Open Enrollment Guide – 2021 EditionHealth Plan Coverage Summary
Community Blue Blue Care Network CDHP w/HSA
Benefit In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
PREVENTIVE SERVICES
Health Maintenance Exam Covered 100%(1) Not covered Covered 100%(1) Not covered Covered 100%(1) Not covered
1 per calendar year
Annual Gynecological Exam Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
1 per calendar year
Pap Smear Screening (lab services Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
only) 1 per calendar year
Mammography Screening Covered 100% Covered 80% after Covered 100% Covered 80% of Covered 100% Covered 60%
1 per calendar year deductible eligible expenses after deductible
after deductible
Prior authorization
may be required(2)
Contraceptive Devices (IUD, Covered 100% Covered 100% after Covered 100% Not covered Covered 100% Covered 60%
Diaphragm, Norplant) deductible after deductible
Contraceptive Injections Covered 100% Covered 80% after Covered 100% Not covered Covered 100% Covered 60%
deductible after deductible
Well-Baby and Child Care Exams Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
Immunizations (as recommended Covered 100% Not covered Covered 100% Not covered Covered 100% Covered 100%
by the Advisory Committee on
Immunization Practices or mandated
by the Affordable Care Act)
Flu Shots Covered 100% Not covered Covered 100% Covered 100% Covered 100% Not covered
Fecal Occult Blood Screening Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
1 per calendar year
Preventive Colonoscopy(4) Covered 100% Covered 80% after Covered 100% Covered 80% of Covered 100% Covered 60%
1 per calendar year deductible eligible expenses after deductible
after deductible
Prior authorization
may be required(2)
Flexible Sigmoidoscopy Exam Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
1 per calendar year
Prostate Exam Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
1 per calendar year(4)
Prostate Specific Antigen Screen Covered 100% Not covered Covered 100% Not covered Covered 100% Not covered
1 per calendar year(4)
PHYSICIAN OFFICE SERVICES (MEDICALLY NECESSARY)
Office Visits/Consultations Co-pay: $20 Covered 80% after Co-pay: $20 Covered 80% after Covered Not covered
deductible deductible 80% after
deductible
EMERGENCY MEDICAL CARE
Hospital Emergency Room Co-pay: $50 (if Co-pay: $50 (if Co-pay: $50 (if Co-pay: $50 (if Covered Covered 80%
emergency services emergency services emergency services emergency services 80% after after deductible
provided or if provided or if provided or if provided or if deductible
admitted) OR $250 admitted) OR $250 admitted) OR $250 admitted) OR $250
Emergency Room Physician’s Co-pay: $20 (when Covered 80% after Covered 100% Covered 100% Covered Covered 80%
Services medical emergency deductible 80% after after deductible
criteria not met) deductible
Urgent Care Center Co-pay: $25 Covered 80% after Co-pay: $25 Co-pay: $25 Covered Not covered
deductible 80% after
deductible
Ambulance Service Covered 100% Covered 100% Covered 80% after Covered 80% after Covered Covered 80%
Must be medically necessary of the approved of the approved deductible, ground deductible, ground 80% after after deductible
amount amount and air and air deductible
Questions? Visit hr.msu.edu/open-enrollment │ 10Community Blue Blue Care Network CDHP w/HSA
Benefit In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
DIAGNOSTIC SERVICES
Laboratory and Pathology Covered 100% Covered 80% after Covered 100% Covered 100% Covered 80% after Covered 80% after
Tests deductible deductible deductible
Diagnostic Tests and Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
X-Rays deductible deductible deductible deductible deductible
Prior authorization Prior authorization
may be required(2) may be required(2)
Radiation Therapy Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
deductible deductible deductible deductible deductible
MATERNITY SERVICES PROVIDED BY A PHYSICIAN
Pre-Natal and Post-Natal Covered 100% Covered 80% after Covered 100% Covered 80% after Pre-Natal: Covered Covered 60% after
Care deductible deductible 100% Post-Natal: deductible
Prior authorization Covered 80% after
may be required deductible
Delivery and Nursery Care Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
deductible deductible deductible deductible deductible
Prior authorization Prior authorization
may be required(2) may be required(2)
HOSPITAL CARE
Semi-Private Room, Covered 100% Covered 80% after Covered 100% Covered 80% Covered 80% Covered 60% after
General Nursing Care, (unlimited days) deductible after deductible after deductible after deductible deductible
Hospital Services and Prior authorization Prior authorization (unlimited days) (unlimited days) (unlimited days)
Supplies may be required(2) may be required(2) Prior authorization Prior authorization Prior authorization
required(2) required(2) may be required(2)
Inpatient Consultations Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
deductible deductible deductible deductible deductible
Chemotherapy Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
deductible deductible deductible deductible deductible
SURGICAL SERVICES
Surgery and Related Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
Surgical Services Prior authorization deductible deductible deductible deductible deductible
may be required(2) Prior authorization Prior authorization Prior authorization Prior authorization
may be required(2) may be required(2) may be required(2) may be required(2)
Voluntary Sterilization Covered 100% Covered 80% after Male Sterilization: Not covered Male Sterilization: Female sterilization:
deductible Covered 100% after Covered 50% after Covered 60% after
deductible deductible deductible
Female Sterilization: Female Sterilization: Male sterilization:
Covered 100% under Covered 100% Not covered
preventive benefit under preventive
benefit
HUMAN ORGAN TRANSPLANTS
Such as: liver, heart, lung, Covered 100% Covered 80% - 100% Covered 100% after Not covered Covered 80% after Covered 80% after
pancreas, heart-lung, Prior authorization depending on the deductible deductible deductible
kidney, cornea and skin may be required(2) type of approved Prior authorization is Prior authorization
and bone marrow (subject transplant. Prior required(2) may be required(2)
to program guidelines) authorization may be
Must be provided at required.(2)
a BCBSM designated
facility and may need to
be coordinated through
the BCBSM Human Organ
Transplant Program.
NATIONAL CANCER INSTITUTE CLINICAL TRIALS
Cancer and life- Covered 100% Covered 80% after Covered 100% after Not covered Covered 80% after Covered 60% after
threatening conditions (all Prior authorization deductible deductible deductible deductible
stages, including routine may be required(2) Prior authorization Prior authorization
care) may be required(2) may be required(2)
11 │ Support Staff Open Enrollment Guide – 2021 EditionCommunity Blue Blue Care Network CDHP w/HSA
Benefit In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
ALTERNATIVES TO HOSPITAL CARE
Skilled Nursing Care Covered 100% in approved facilities (up to Covered 100% after Covered 80% Covered 80% Covered 80%
(must meet medical 120 days per calendar year) deductible (combined after deductible after deductible after deductible
necessity guidelines for Prior authorization may be required(2) in- and out-of-network (combined in- and (combined in- and (combined in- and
skilled care) benefits limited out-of-network out-of-network out-of-network
to 100 days per benefits limited benefits limited benefits limited
calendar year) Prior to 100 days per to 90 days per to 90 days per
authorization calendar year) calendar year) calendar year)
required(2) Prior authorization Prior authorization
required(2) required(2)
Hospice Care Covered 100% with approved providers Covered 100% Covered 80% after Covered 100% Covered 100%
after deductible deductible after deductible after deductible
Prior authorization Prior authorization when authorized
required(2) required(2) Prior authorization
required(2)
Home Health Care Covered 100% with approved providers Covered 100% after Covered 80% Covered 80% Covered 80%
(medically necessary) (unlimited visits) deductible (combined after deductible after deductible after deductible
in- and out-of-network (combined in- and (combined in- and (combined in- and
benefits limited to out-of-network out-of-network out-of-network
60 days per calendar benefits limited to benefits limited to benefits limited
year) 60 days per calendar 60 days per calendar to 60 days per
year) year) calendar year)
MENTAL HEALTH CARE AND SUBSTANCE ABUSE TREATMENT (IN APPROVED FACILITIES)
Inpatient Mental Health/ Covered 100% Covered 80% after Covered 100% after Covered 80% after Covered 80% after Covered 60% after
Substance Abuse Care Prior authorization deductible deductible deductible deductible deductible
may be required(2) Prior authorization Prior authorization Prior authorization Prior authorization
may be required(2) required(2) required(2) may be required(2)
Outpatient Mental Covered 100% Covered 80% after Covered 100% Covered 80% after Covered 80% after Covered 60% after
Health/Substance deductible Prior authorization deductible deductible deductible
Abuse Care - Office may be required(2) Prior authorization Prior authorization
Visits may be required(2) may be required(2)
Outpatient Mental Covered 100% Covered 100% Covered 100% Covered 80% after Covered 80% after Covered 80%
Health/Substance Prior authorization deductible deductible after deductible
Abuse Care - Facility may be required(2) Prior authorization Prior authorization in participating
may be required(2) may be required(2) facilities only
OTHER SERVICES
Allergy Testing and Covered 100% Covered 80% after Covered 100% Covered 80% after Covered 80% after Covered 60% after
Therapy (includes deductible Office visit co-pay may deductible deductible deductible
allergy injections) apply to consultations Prior authorization
may be required(3)
Spinal Manipulation Co-pay: $20 Covered 80% Co-pay: $20 Not covered Covered 80% after Chiropractic Spinal
and Osteopathic (In- and out-of- after deductible (In-network only. deductible Manipulations:
Manipulation network services (in- and out-of- Annual max. of 24 (In- and out-of- 60% after
have an annual network services visits) network services deductible
combined max. of have an annual Prior authorization have an annual Osteopathic
24 visits) combined max. of required for combined max. of 24 Manipulation: Not
24 visits) chiropractic services(2) visits) covered
Outpatient Diabetes Covered 100% Covered 80% after Covered 100% Not covered Covered 80% after Covered 60% after
Management (certified deductible deductible deductible
providers)
Outpatient Physical, Covered 100% Covered 80% Co-pay: $20 Covered 80% Covered 80% Covered 60% after
Speech, and (in- and out-of- after deductible (combined in- and after deductible after deductible deductible
Occupational Therapy network services (in- and out-of- out-of-network (combined in- and (combined in- and
(subject to medical have an annual network services benefits limited to 60 out-of-network out-of-network (Services at
criteria)* combined max. of have an annual visits per calendar benefits limited benefits limited nonparticipating
60 visits) combined max. of year) to 60 visits per to 60 visits per outpatient physical
60 visits) Prior authorization calendar year) calendar year) therapy facilities
required(2) Prior authorization Prior authorization are not covered)
required(2) required(2)
*Autism Spectrum Disorder services are not subject to Outpatient Physical, Speech, and Occupational Therapy visit limit.
Questions? Visit hr.msu.edu/open-enrollment │ 12Community Blue Blue Care Network CDHP w/HSA
Benefit In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
Durable Medical Covered 100% of the approved amount Covered 80% Not covered Covered 80% Covered 80%
Equipment and Medical Prior Prior authorization may after deductible
Supplies (including authorization may be required(2)
breastfeeding supplies) be required(3)
Private Duty Nursing Covered 50% Covered 50% Not covered Not covered Not covered Not covered
Autism Spectrum Covered 100% for Covered 100% for Co-pay: $20 per Covered 80% after Covered 80% after Covered 80%
Disorder applied behavioral applied behavioral visit for applied deductible for deductible after deductible.
(Applied behavioral analysis analysis behavioral applied behavioral Prior authorization Prior
analysis treatment - Prior authorization Prior authorization analysis analysis required authorization
must be provided by required required Prior Prior authorization required
an Approved Autism authorization required
Evaluation Center required
(AAEC) - limited
through age 19)
FOREIGN TRAVEL
Foreign Travel Covered for non- Covered for non- Only covered for Only covered for Covered for non- Covered for
emergency and emergency and emergency care emergency care and emergency and non-emergency
emergency care as emergency care as and accidental accidental injuries emergency care as well and emergency
well as accidental well as accidental injuries when when traveling as accidental injuries care as well
injuries injuries traveling abroad abroad as accidental
injuries
DEDUCTIBLES, CO-PAYS, AND DOLLAR MAXIMUMS
Deductibles None $250 per member/ $100 per $500 per member/ $2,000 for $4,000 for
$500 per family member/ $1,000 family per single/$4,000 for single/$8,000
per calendar year $200 per family calendar year family-level coverage per for family-level
(services where no per calendar year calendar year(Deductible coverage per
network exists are is combined for medical calendar year
covered at the in- and prescription drug
network level) coverage. The full family
deductible must be met
under a two-person or
family contract before
benefits are paid for any
person on the contract)
Out-of-Pocket $2,000 per member/ $2,000 per member/ $3,000 per $3,000 per $3,000 for $6,000 for
Maximum $4,000 per family $4,000 per family per member/ $6,000 member/$6,000 per single/$6,000 for single/$12,000
(amount includes per calendar year calendar year for co- per family per family per calendar family-level coverage per for family-level
deductible, co- insurance, plus $250 calendar year for year for co-insurance, calendar year for both coverage
insurance and co-pays, per member/$500 medical services plus $500 per medical and prescription
where applicable) per family out-of- only member/$1,000 services
network deductible per family out-of-
network deductible
Prescription Drug $1,000 per member /$2,000 per family out- $1,000 per member /$2,000 per family Subject to deductible, co-insurance and out-
Benefit of-pocket maximum out-of-pocket maximum of-pocket max
(see page 14 for co-pays) (see page 14 for co-pays)
1. Chemical profile, complete blood count, urinalysis, cholesterol testing, chest x-ray and EKG are payable as part of the Health Maintenance Exam.
2. You may be responsible for the difference between BCBSM’s or BCN’s approved amount and the provider’s charge when services are rendered by a non-participating
provider, premiums and health care this plan doesn’t cover, where applicable.
3. Referrals to specialists are not required.
4. Age restrictions may apply.
13 │ Support Staff Open Enrollment Guide – 2021 EditionPrescription Drug Information
The prescription drug plan is administered through CVS/Caremark.
Employees continue to be automatically enrolled for prescription drug
coverage in CVS/Caremark when they enroll in one of the health plans
(Community Blue PPO, Blue Care Network (BCN) or the Consumer Driven
Health Plan with Health Savings Account (CDHP with HSA)).
The table below shows co-pay rates for various types of prescription
drugs for Community Blue and BCN enrollees effective January 1, 2021.
Enrollees can use any in-network pharmacy for this benefit. CVS/Caremark Customer
Service
CVS/Caremark Prescription Plan Co-Pays for BCN & Community Blue 1-800-565-7105
# DRUG TIER 34-DAY SUPPLY CO-PAYS 90-DAY SUPPLY CO-PAYS Caremark.com – create a
1. Generic Medications $10 $20 member profile
2. Preferred Brand-Name Medications $30 $60 Download the Caremark app
3. Non-Preferred Brand-Name $60 $120
Medications
VISIT
4. Specialty Drugs $75 90-day supplies of specialty
drugs are not offered hr.msu.edu/benefits/
ANNUAL OUT-OF-POCKET CO-PAY MAXIMUM prescription-drug-plan/
Individual: $1000 Family: $2000 for detailed prescription drug
coverage information.
*90-day supply (except Bio-Tech/Specialty Drugs) may only be filled at MSU
Pharmacies or through CVS/Caremark mail order.
Important Note for Non-Union Support Staff that Enroll in the CDHP MSU Pharmacies
with HSA Plan: 517-353-9165 or
If you are a CDHP with HSA enrollee, you have different prescription 517-353-4930
benefits. Prescription drug costs under this plan are subject to plan pharmacy.msu.edu/
deductible and co-insurance, and then the total cost is covered after you
reach the out-of-pocket maximum. This means that you pay 100% of
prescription costs until you reach the deductible. Once the deductible is
met, the plan covers 80% of the costs while you pay 20% co-insurance.
Once the out-of-pocket maximum is reached, prescriptions are 100%
covered.
Certain preventive generic prescription drugs for chronic conditions
(asthma, cholesterol, diabetes and anti-hypertensives) are 100% covered
without a deductible or co-insurance.
Be sure to enroll in the HSA when you enroll in the CDHP plan to receive
MSU’s HSA contribution of $750. You can use this money to pay for
eligible medical and prescription costs.
Questions? Visit hr.msu.edu/open-enrollment │ 14Dental Plan Information
MSU offers Delta Dental to all benefits-eligible support staff, and either
Aetna DMO or Aetna Premium DMO, depending on your union affiliation
(see below).
In a Dental Maintenance Organization (DMO) like Aetna DMO and Aetna
Premium DMO, you select a participating primary care dentist. Your
primary dental care is provided by that dentist and only at locations and by PROVIDER
dentists that participate in the plan. Although choice of providers is more CONTACT INFO
limited, a DMO tends to cover a greater range of services at lower co-pays
than traditional dental plans. Aetna Dental
877-238-6200
If you plan to enroll in the Aetna DMO or Aetna Premium DMO, please aetna.com
verify that the dentist you want to use accepts “Aetna DMO” rather Download the Aetna app
than just “Aetna” to avoid rejected claims. Delta Dental
800-524-0149
The Delta Dental PPO plan typically allows more freedom in selecting deltadentalmi.com
service providers and services performed but tends to have higher out- Download the Delta Dental
of-pocket costs compared to a DMO plan. Delta offers hundreds of app
participating providers and allows you to seek care from both participating
and non-participating providers. Note: You may incur additional costs VISIT
if you use a non-participating provider. Contact Delta Dental for info on hr.msu.edu/benefits/dental/
participating providers. to learn more about MSU
dental plans.
Dependent Age Criteria: Children (biological, step or adopted), non-
adopted grandchildren, nieces, nephews or wards through legal
guardianship are eligible through the end of the calendar year they turn
age 23. Dependents who become incapacitated before age 19 can continue
coverage after age 23 by completing the MSU Dependent Disability
Certification Form.
Monthly Dental Plan Premiums
1. Aetna DMO: This plan is available to 274, PLAN FULL-TIME 3/4 TIME 1/2 TIME
AP and POAM employees. (90%–100%) (65%–89.9%) (50%–64.9%)
AETNA DMO
2. Aetna Premium DMO: This plan is available Single Paid by MSU Paid by MSU Paid by MSU
to CT, APSA, 324, 1585, SSTU, nurses, 2 Person Paid by MSU Paid by MSU $6.79
Family Paid by MSU $15.21 $30.42
resident advisors and MSU Extension
AETNA PREMIUM DMO
employees. Single $10.44 $15.30 $20.16
2 Person $19.49 $28.79 $38.10
3. Delta Dental PPO: This plan is available to Family $33.64 $48.85 $64.06
all benefits-eligible support staff. DELTA DENTAL PPO
Single Paid by MSU Paid by MSU Paid by MSU
2 Person Paid by MSU Paid by MSU $6.79
Family Paid by MSU $15.21 $30.42
15 │ Support Staff Open Enrollment Guide – 2021 EditionDental Plan Summary of Benefits
DENTAL SERVICE AETNA DMO AETNA PREMIUM DMO DELTA DENTAL
DIAGNOSTIC AND PREVENTIVE
Exams $20 co-pay No co-pay 50% co-pay
Cleanings No co-pay No co-pay 50% co-pay
X-rays No co-pay No co-pay 50% co-pay
Fluoride No co-pay No co-pay (1 per year under age 16) 50% co-pay (less than age 19)
Sealants (to prevent decay of $10 co-pay per tooth $10 co-pay per tooth Not covered
permanent molars for dependents)
Space maintainers $100 co-pay $80 co-pay 50% co-pay
(fixed and removable) (less than age 19)
MINOR RESTORATIVE
Amalgam (silver) fillings $22 co-pay for one No co-pay 50% co-pay
Composite (resin) fillings $40 co-pay for one No co-pay 50% co-pay
(anterior teeth)
PROSTHETICS
Crowns (semi-precious) $488 co-pay $315 co-pay 50% co-pay
Bridges (per unit) $488 co-pay $315 co-pay 50% co-pay
Denture (each) $500 co-pay $320 co-pay 50% co-pay
Partial (each) $513-613 co-pay $320 co-pay 50% co-pay
ORAL SURGERY
Simple extraction $12 co-pay No co-pay 50% co-pay
Extraction - erupted tooth $30 co-pay No co-pay 50% co-pay
Extraction - soft tissue impaction $80 co-pay $60 co-pay 50% co-pay
Extraction - partial bony impaction $175 co-pay $80 co-pay 50% co-pay
Extraction - complete bony impaction $225 co-pay $120 co-pay 50% co-pay
ENDODONTICS
Root canal - anterior $150 co-pay $120 co-pay 50% co-pay
Root canal - bicuspid $195 co-pay $180 co-pay 50% co-pay
Root canal - molar $435 co-pay $300 co-pay 50% co-pay
Apicoectomy $156 co-pay $170 co-pay 50% co-pay
PERIODONTICS
Gingivectomy (per quadrant) $160 co-pay $125 co-pay 50% co-pay
Osseous surgery (per quadrant) $445 co-pay $375 co-pay 50% co-pay
Root scaling (per quadrant) $65 co-pay $60 co-pay 50% co-pay
ORTHODONTICS
Child (under age 19) $3,000 co-pay(1) $1,500 co-pay(1) 50% co-pay
Adult (age 19 or older) $3,000 co-pay (1)
$1,500 co-pay (1)
Not covered
DENTAL PLAN MAXIMUMS
Annual No maximum No maximum $600 maximum
Lifetime Orthodontics No maximum No maximum $600 maximum
1. Includes screening exam, diagnostic records, orthodontic treatment and orthodontic retention.
Questions? Visit hr.msu.edu/open-enrollment │ 16Life Insurance Information PROVIDER
CONTACT INFO
MSU offers optional employee-paid life insurance to all regular full- and Prudential
part-time (50% or more) employees, as well as to your spouse/other eligible 877-232-3555
individual (OEI) and dependent children. You do not need to be enrolled to add Prudential.com
your children or spouse/OEI.
VISIT
Life insurance is offered at 1 to 10 times your annual salary. There are various
hr.msu.edu/benefits/life-
levels of coverage for your spouse/OEI and children. You must provide
insurance/
evidence of insurability when enrolling or increasing your life insurance
to learn more and read the
coverage for yourself or your spouse/OEI. Evidence of insurability is not
Prudential brochure.
required for children. Prudential will contact you via your MSU NetID email
address with instructions on how to submit evidence of insurability. Please see
Dependent Age Criteria at the bottom of page 18. VISIT
Prudential.com/EZLifeNeeds
How Much Does Optional Life Insurance Cost? to estimate your insurance
Use the charts and formulas below to calculate the monthly cost for you, your needs.
spouse/OEI, and/or your children. Note: rates will change on the date you enter
a new age bracket or if your salary changes.
EMPLOYEE LIFE INSURANCE COST Chart A. Employee Rates Per $1,000 of Coverage by Age
STEP ONE – determine the following: AGE RATEAccidental Death & PROVIDER
Dismemberment Insurance CONTACT INFO
Prudential
877-232-3555
Optional employee-paid accidental death and dismemberment (AD&D) Prudential.com
insurance provides various amounts of coverage for accidental death or
dismemberment or loss of sight whether in the course of business or pleasure. VISIT
Optional family coverage is also offered. Prudential is the plan administrator hr.msu.edu/benefits/life-
for AD&D insurance. This is available to all regular full- and part-time (50% or insurance/
more) employees, as well as to your spouse/other eligible individual (OEI) and to learn more and read the
dependent children. Prudential brochure.
You can enroll in AD&D coverage at 1 to 10 times your annual salary. Benefit
levels vary by type of insurance selected (employee-only or family) and the
extent of the injury. Evidence of insurability is not required. Benefit amounts
for spouse/OEI and/or child(ren) are based on a percentage of your benefit
amount. Please refer to the Prudential brochure for more info (see side panel).
How Much Does Optional AD&D Insurance Cost?
Use the chart and formula below to find the cost of insurance for you, your
spouse/OEI, and your children. Rates are subject to change.
AD&D INSURANCE COST
STEP ONE – determine the following: Chart A. Rates Per $1,000 of Coverage
COVERAGE TYPE RATE
1. Your salary. Employee-only $0.015
Family $0.023
2. Your rate (see Chart A.)
3. Your benefit level. Choose from 1 – 10 times your salary, up to a maximum of $1,000,000 for the employee,
$600,000 for a spouse/OEI, or $100,000 per child.
STEP TWO – use the following formula and your answers from step one to calculate monthly cost:
Salary x Rate x Benefit Level ÷ 1,000 = $ /month
EXAMPLE
1. Salary = $50,000
2. Employee rate = $0.015 (according to Chart A.)
3. Benefit level chosen = 5 x salary
$50,000 (salary) x $0.015 (rate) x 5 (benefit level) ÷ 1,000 = $3.75/month
Dependent Age Criteria: Effective January 1, 2021, AD&D and Children who become incapacitated before the age limit can
Life insurance dependent Child(ren) are eligible to the end of continue coverage after the age limit if (1) the child is mentally and/
the calendar year during which the child turns age 23 with no or physically incapable of earning a living AND (2) Prudential has
restrictions such as student enrollment or IRS dependency It is received proof of incapacity within 31 days. If the child becomes
the enrollee’s responsibility to cancel coverage when dependent incapacitated after the age limit, they will not be able to continue
children no longer qualify in order to stop premium deductions. coverage.
Questions? Visit hr.msu.edu/open-enrollment │ 18Flexible Spending Accounts (FSA)
What is an FSA?
Looking to save money? We all spend money on medical Health Care FSA can be used for eligible medical
expenses such as prescription and office visit co-pays, expenses. The Dependent Care FSA (daycare)
dental work and over-the-counter items like bandages. can be used for eligible child and dependent care
And many parents spend thousands of dollars each year expenses. Learn more about these options below.
on child care. An FSA allows you to use pre-tax dollars to Due to IRS regulations, non-union support staff are
buy these common household items and services – saving unable to enroll in a Health Care FSA if they enroll in
you an average of 30%! the Health Savings Account (HSA) offered with the
MSU’s FSA vendor is HealthEquity/WageWorks and they Consumer Driven Health Plan (CDHP).
offer eligible employees two different kinds of FSAs. The
What’s the Difference?
You have the option to enroll in two different FSAs: Dependent Care and/or Health Care. Before you enroll,
learn the differences between the two. Visit hr.msu.edu/benefits/flexible-spending-accounts to find info on all
eligible expenses for both the health care and dependent care FSAs.
Health Care FSA Dependent Care FSA
Overview Overview
Use money from your Health Care FSA on Use money from your Dependent Care FSA on
eligible medical expenses for you and your eligible child and dependent care expenses.
dependents. This plan is NOT for dependent health care
expenses.
Examples of Eligible Expenses
• Medical/dental plan deductible/co-pays Examples of Eligible Expenses
• Eyeglasses • Child or elder daycare
• Hearing aids • Preschool
• Pain relievers • Summer day camp
• And much more! • Before/after school programs
How Much Can I Contribute? How Much Can I Contribute?
An individual may contribute up to $2,750. If A household may contribute up to $5,000. If
both you and your spouse have a Health Care you and your spouse both have a Dependent
FSA, you each may contribute up to $2,750. Care FSA, your combined household
Savings vary based on your income tax rate and contributions cannot total more than $5,000 at
the number of out-of-pocket health and child MSU or through another employer.
care costs you typically incur.
19 │ Support Staff Open Enrollment Guide – 2021 EditionHow FSAs Work
You will confirm your contribution amount for the 2021 calendar year when
FSA Important
Deadlines
you enroll. Your contributions will be deducted from your paycheck and will
not be taxed. See maximum contribution amounts on page 19. Deadlines For the 2020
Plan Year
Carefully estimate the eligible expenses you are likely to incur in 2021. The IRS Use FSA Funds:
mandates any unused funds to be forfeited, so it’s important you plan ahead March 15, 2021
to match your FSA withholdings to the amount you are likely to spend on Submit claims for FSA
eligible health care and/or dependent care costs. Review important deadlines Funds: April 30, 2021
for using your funds and submiting claims in the right side panel.
Deadlines For the 2021
When you pay for an eligible expense, you will fill out a reimbursement
Plan Year
request. You’ll submit receipts for the expense with the request. You will
Use FSA Funds:
then be reimbursed for those expenses with the tax-free dollars from your
March 15, 2022
account(s). For some expenses, like prescriptions and office visit co-pays, you Submit claims for FSA
can pay directly with your Health Care FSA debit card. Funds: April 30, 2022
Helpful Health Care FSA Information
• Keep all of your receipts for eligible expenses. IRS rules require FSA Manage your FSA
administrators to substantiate the eligibility of all items and services, anytime, anywhere.
including those transactions using Health Care FSA debit cards. Some
types of expenses, like doctor visits or prescription drug co-pays, can be HealthEquity/WageWorks offers
a mobile app for submitting
automatically substantiated because co-pays are predictable amounts from
receipts and reimbursements.
medical providers.
You’ll love the convenience of
• HealthEquity/WageWorks may ask you to send in supporting being able to snap a picture of
documentation for a card transaction. Acceptable documentation contains your receipt each time you use
the following five pieces of information: your card to make it easy to
1. Date of Service verify card transations later.
2. Description of Service Download the app by searching
(such as co-pay) for “EZ Receipts.”
3. Patient Name
4. Provider’s Name HealthEquity/WageWorks
5. Amount of Transaction 877-924-3967
• An Explanation of Benefits (EOB) from your insurance carrier contains all WageWorks.com
five pieces of information and is available from your insurance carrier if you Download the EZ Receipts
used insurance for your card transaction. app
• Due to IRS regulations, Health Care FSAs are not compatible with Health
Savings Accounts (HSA). Non-union support staff are unable to participate in
a Health Care FSA if they enroll in the HSA offered with the CDHP. Also, if your
spouse’s health plan has an HSA and you enroll in a Health Care FSA, you may
have IRS compatibility issues.
• Visit the FSA Store at FSAStore.com to buy your eligible expenses online!
Questions? Visit hr.msu.edu/open-enrollment │ 20Voluntary Benefits
You have access to optional, employee-paid benefits via the voluntary
benefits portal at MSUBenefitsPlus.com.
Please note there is no university financial contribution toward these
benefits. Enrollees pay the premiums for the benefits they select
and those payments are most often collected via payroll deduction.
Currently, the voluntary benefits available include:
DISCOUNTS • Vision Insurance
Find deals on a variety of • Pet Insurance
products and services.
• Legal Insurance
Learn More
MSU employees have access to • Critical Illness Insurance on Page 22
special discounts via the voluntary
benefits portal. Deals are updated • Long-Term Care Insurance
throughout the year, so check • Auto and Home Insurance
back often. Currently, you can find
discounts for:
Can I Enroll or Cancel at Any Time?
• Work from home resources Vision, legal and critical illness insurance have an annual Open
• Home and garden
Enrollment period of October 1 through October 31, 2020, with
• Streaming services
coverage effective January 1. This means you can only enroll or cancel
• Electronics
in October each year and once you enroll, you cannot change or
• Games and toys
cancel that enrollment until the next annual Open Enrollment period
• Food and drink
• Groupon purchases
(unless you have a qualifying life event). Your enrollment in vision,
• Computers legal and critical illness insurance will continue (no need to re-enroll
• Books and media during Open Enrollment) unless you cancel.
• Automotive Other programs, like auto, home, long-term care and pet insurance,
• Entertainment allow you to enroll at anytime throughout the year.
• Gifts and flowers
• And TONS more!
How Do I Enroll or Learn More?
VISIT Visit MSUBenefitsPlus.com to learn more about available programs
MSUBenefitsPlus.com and enroll online.
to access the voluntary benefits
First Time Users
portal and find discounts.
You need to sign up for an account. Signing up for an account does
MSU Benefits Plus not obligate you to enroll in any benefits; it merely gives you access
888-758-7575 to learn about and enroll in the various programs. You will need your
MSUBenefitsPlus.com MSU ZPID number, which is located on your MSU Spartan Card ID
badge or in the EBS Portal. Use a capital “Z” when putting in your
ZPID number.
Existing Users
Click on the Log In link in the top right corner of the page.
21 │ Support Staff Open Enrollment Guide – 2021 EditionYou can also read
