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Benefits Open Enrollment

by UofL Today last modified Oct 21, 2013 05:07 PM

Ready or Not — Here it Comes! The time is here for employees to choose benefit options for 2014. UofL employee benefit open enrollment will run Oct. 23 through Nov. 5. Open Enrollment is your once-a-year opportunity to choose your benefits for the coming year.

During this time, employees can make changes to and enroll in a number of benefits, including health, dental and vision insurance; Get Healthy Now; and dependent care and health care flexible spending accounts.

For 2014, premiums will remain the same for employees in all plans except Cardinal Care. Employees enrolled in Cardinal Care will see an annual increase of $480.

Effective Jan. 1, Anthem BlueCross BlueShield will be UofL’s new health plan administrator. Anthem has the most expansive provider network in the nation so there should be very little disruption, if any, for most employees.

Please take the time to review your benefit options for 2014. Now is the time to make informed decisions and the right choices for you and your family. Before making your choices for 2014, take the opportunity to think about the coverage you have now, how you and/or your dependent family members use your benefits and if your needs are changing in the upcoming year.

Here is what employees should know about open enrollment this year:

  • You can go to the open enrollment website now to review benefits information.
  • UofL employee health plan coverage, copays and deductibles will stay the same in 2014 as they were in 2013.
  • The Cardinal Care health plan option remains closed to new enrollees. People who are enrolled in Cardinal Care can stay in the plan for 2014. Cardinal Care will be phased out in the next three years.
  • All employees who have health insurance with the university will receive an Anthem ID card by Jan. 1.
  • You must enroll every year for a voluntary Flexible Spending Account (health care and/or dependent care).
  • The maximum you can contribute to the Health Care Flexible pending Account is $2,500 this year. If you waive health insurance and have the $2,100 waiver dollars put into a Health Care FSA, you can also contribute $2,500 of your own dollars. The $2,500 limit is for employee contribution only.
  • The Dependent Care Flexible Spending Account limit remains unchanged at $5,000.
  • Employees who waive health insurance and want their waiver dollars in a Dependent Care account must enroll in a Dependent Care FSA (even if they were enrolled in 2013).
  • To enroll in Get Healthy Now and earn the $40 monthly premium incentive, employees must complete a new health risk assessment between Oct. 23 and Nov. 21 (even if they were enrolled in 2013).

The benefits you choose during Open Enrollment are effective Jan. 1 – Dec. 31, 2014. These benefits stay in effect all year unless you experience a qualifying event, such as a marriage, divorce or birth of a child. If you do experience a qualifying event and wish to make a change to your benefits, you must contact the benefits office and provide proper documentation within 30 days of the qualifying event.

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