2015 Benefits Enrollment
2015 Benefits Open Enrollment ends at 6 p.m. (ET), Nov. 14
Decision time: Choose your 2015 benefits now.
It’s time to review your benefit options and actively enroll in the coverage that will be best for you in 2015. Benefits open enrollment is Oct. 27 through 6 p.m.(ET), Nov. 14. See “You really need to enroll, but if you don’t …” for information about what happens if you don’t take advantage of your once-a-year opportunity.
Choices you make during this open enrollment period will become effective Jan. 1, 2015, and will stay in effect through Dec. 31, 2015, unless you change your benefits in connection with a qualifying change in family status life event.
- How to enroll
- What happens if you don't enroll
- What's new for 2015
- Recorded presentations
- Walk-in labs, live presentations
- Premium Difference Calculator
- Contact HR: Call 765-494-2222 or visit HR Help to contact HR using a secure Web system
- Medical plan coverage comparison chart
- Medical plan premium charts
- Summaries of coverage for each 2015 medical plan
- HSA Interactive Guide: Check your eligibility to have a health savings account
- Instructions to check whether your doctor participates in Anthem's network
- Tiered lab benefit
- Express Scripts website: See if a drug is a preventive generic and more
- List of most commonly used preventive generic drugs -- covered at 100 percent in 2015
- List of most commonly used diabetic supplies -- covered at 100 percent in 2015
- West Lafayette: 765-494-4000
- Calumet: 219-989-2888
- Fort Wayne: 260-481-6030
- North Central: 219-785-5511
Steps to enroll:
- Go to the Purdue Employee Portal and click the EBenefits link.
- Enter your Purdue career account and password, and then follow the “Click here to begin 2015 enrollment” link.
- You will be directed to the Truven Informed Enrollment tool to estimate your total costs under each of Purdue’s 2015 medical plans. Once you finish, you will continue on to complete the enrollment process.
- Review your dependents for 2015. New reporting requirements under Health Care Reform make it necessary for you to provide the Social Security number of each dependent you cover on your medical plan.
- Certify tobacco-user status for yourself and your covered spouse/same-sex domestic partner: 1) Non-tobacco user 2) Tobacco user or 3) Tobacco user who has completed an approved cessation program between Sept. 1 and Nov. 14, 2014. If you're a tobacco user, the additional premium will apply. If you’re covered on a Purdue medical plan and don’t certify your tobacco-user status, you’ll be considered a tobacco user and will be charged the $500 additional premium. The same applies to your covered spouse/SSDP. The maximum additional premium for you and spouse/SSDP would be $1,000.
- Certify tobacco-user status a second time. This year you’ll be asked to provide a separate tobacco-user certification for Additional Term Life Insurance. Slightly different rules apply to life insurance and medical insurance in regards to tobacco use. The life insurance program does not offer a waiver for completing an approved tobacco cessation program.
- Review each benefit. You’ll find benefit information, pricing, links to vendor websites and more.
- Choose your 2015 benefits. Be sure you initial and submit your changes to make them final.
If you don’t enroll, here’s what will happen with your 2015 benefits:
- You’ll have the same medical plan in 2015 as you’ve had for 2014. If you’re currently opted out of Purdue medical coverage, you’ll have no Purdue medical insurance in 2015.
- If you’re in the Purdue Health Plan Plus HSA 1 or the Purdue Health Plan Plus HSA 2, you’ll receive the appropriate University contribution to your HSA, but you will not have any contributions of your own. However, you will be able to begin future HSA contributions of your own at anytime during 2015 by making a change through EBenefits.
- Any family members you’re covering on your medical plan in 2014 will continue to be covered in 2015, if they still meet eligibility rules.
- You and your spouse/same-sex domestic partner (SSDP) will be charged the $500 per person annual tobacco-user additional premium, if you’re covered on a Purdue medical plan.
- You will have no contributions to a flexible spending account (including health care, dependent day care and limited purpose FSAs).
- Other 2014 benefits will roll forward to 2015.
- Employees who receive a pay raise that takes their salary to $44,000 a year or more will move into the higher medical premium tier when the pay raise goes into effect. Currently, medical premiums for the entire year are based on your salary in January; however, all other benefits adjust at the time you have a pay change. For consistency across the benefits program, medical premiums will adjust at the time of a salary change, up or down, rather than waiting until the following January.
- For all medical plans, in-network deductible expenses and out-of-network deductible expenses will be tracked separately and will not be combined in any way. The same applies to out-of-pocket maximums.
- For the Purdue Health Plan Plus HSA 1 and the Purdue Health Plan Plus HSA 2, the flat fee for care at the Center for Healthy Living will reduce to $40. This year, the fee is $45. Those covered by the Purdue Health Plan will continue to have a $10 copay at the center.
- The 2015 limit on combined University and employee contributions to a health savings account (HSA) will be $3,350 for employee-only coverage and $6,650 when the employee covers one or more dependents. The IRS sets maximum HSA limits annually. Those age 55 or older are eligible to contribute an additional $1,000 as a catch-up amount.
Flexible spending accounts (FSAs)
- If you use your PayFlex FSA debit card and don’t provide documentation to prove you’re paying for an eligible FSA expense, the amount of the transaction will be added to your W-2 as taxable income. This is in keeping with instructions in an IRS memo released in March. For 2014 claims, you’ll have until March 31, 2015, (the last day for filing a 2014 FSA claim) to provide your documentation to PayFlex, Purdue’s FSA administrator. If you don’t provide documentation by that date, the transaction amount will be added to your 2015 W-2. PayFlex notifies employees who need to provide documentation.
Auto and home insurance
- Purdue’s vendor for auto and home insurance will switch from MetLife to Liberty Mutual.
- Auto and home insurance companies offering coverage through Purdue’s voluntary benefits program will directly bill Purdue employees for coverage, rather than taking premiums through payroll deduction. The change will be effective Jan. 1, 2015. Employees who currently have payroll deduction for these coverages were notified in September.
- Purdue Health Plan Summary of Benefits and Coverage
- More Detailed Coverage Summary for Purdue Health Plan
- Purdue Health Plan Plus HSA 1 Summary of Benefits and Coverage
- More Detailed Coverage Summary for Purdue Health Plan Plus HSA 1
- Purdue Health Plan Plus HSA 2 Summary of Benefits and Coverage
- More Detailed Coverage Summary for Purdue Health Plan Plus HSA 2