Open Enrollment set for Oct. 13-24
Open Enrollment provides an annual reminder for faculty and staff members to review benefit choices and make sure they continue to meet individual needs. Employees can update or make changes to their benefit elections for 2009 during the Oct. 13-24 enrollment period.
What's new for 2009
New U-M Dental Plan administrator and plan options
Delta Dental is the new administrator of the U-M Dental Plan. The University will offer a choice of three plan options: a preventive plan that requires no employee contribution or the choice between two other dental plan options that include broader coverage for restorative services with an employee and retiree contribution.
All dental plan options cover more frequent cleanings for members with certain dental or medical conditions.
Automatic enrollment for current dental plan participants
Faculty and staff currently enrolled in the MetLife U-M dental plan automatically will be enrolled in a new Delta plan for 2009 to prevent any possibility of a lapse in coverage if they fail to choose a new plan during Open Enrollment. Those not currently enrolled in the MetLife plan who do not elect a Delta plan during Open Enrollment will not be enrolled in a Delta Dental plan for 2009.
Retirees currently enrolled in MetLife Option 1 will be able to elect any Delta Dental option during Open Enrollment. If no election is made, retirees automatically will be enrolled in the Delta Option 1 plan for 2009. Retirees not currently enrolled in the U-M MetLife dental plan will not be enrolled in a dental plan for 2009.
Other changes to the U-M dental plan
Newly eligible faculty and staff no longer have to wait a year for the University to contribute to their plans and the $5 cash back for waiving dental coverage will be discontinued as of Jan. 1.
Increase in mental health coverage
All U-M health plans will increase the number of covered outpatient mental health visits. U-M Premier Care, GradCare, HAP, Priority Health HMO and Blue Cross Blue Shield of Michigan Community Blue PPO will increase the number of visits from 25 to 30 per year. The Comprehensive Major Medical plan will increase the number from 50 to 55.
Simplified eligibility for "Other Qualified Adult"
The eligibility criteria for Other Qualified Adult are changing effective Jan. 1. For details, see Other Qualified Adult Eligibility Criteria on the Benefits Office Web site at www.benefits.umich.edu/eligibility/.
New prescription drug co-pays
Co-pays for tier one generic medications will be reduced to $5 (down from the current $7). For the two other tiers of brand-name drugs, co-pays will increase to $15 for tier two medications (up from $14) and $30 for tier three drugs (up from $24).
Changes take effect Jan. 1
All rate, co-pay and benefit plan changes take effect Jan. 1. Employees and retirees are encouraged to review all plan and rate options available now on the Benefits Office Web site.
Related Information and Resources
AskHR is a new online resource that provides answers to the most frequently asked questions about U-M benefits and Open Enrollment. Users can search through categories, use keywords, or ask a question. Go to askhr.umich.edu.
Medical Plan Navigator
The Medical Plan Navigator provides side-by-side plan comparison charts. The navigator does not make recommendations, but it is a helpful tool for narrowing focus by searching for available plans by zip code of residence (HMO service area) or by certain plan features, such as well child care or vision coverage. Access the navigator at www.umich.edu/~benefits/events/oe/index.htm.
Flexible Spending Accounts
Flexible Spending Accounts (FSAs) for health care or dependent care expenses require annual enrollment. FSAs allow participants to set aside pre-tax dollars for certain out-of-pocket health care and dependent care expenses. For more information about FSAs, go to www.umich.edu/~benefits/plans/reimburse/index.htm.
An opportunity to review other benefits
Some benefits, such as life insurance, long-term disability, long-term care and the retirement savings plan, are not part of Open Enrollment. These may be elected or changed at any time during the year. Forms can be found at www.umich.edu/~benefits/forms/index.htm.
For More Information
Web: To view plan information and 2009 rates for all benefits plans see www.umich.edu/~benefits.
E-mail: To reach a benefits representative contact email@example.com.
Phone: To consult with HR/Payroll Service Center staff, call 615-2000 (campus), (734) 615-2000 (local or off-campus) or (866) 647-7657 (toll-free for off-campus long-distance calling).
Open Enrollment schedule
Sept. 18: Retirees Health Fair, Ypsilanti Marriott at Eagle Crest.
Late September: Distribution of Open Enrollment books will begin via campus mail to faculty and staff. Books for retirees, survivors and long-term disability participants will be mailed to home addresses.
Oct. 13-24: Open Enrollment period. Faculty and staff should make any desired changes to their benefits by 5 p.m. Oct. 24.