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enrollment guide

Ready to roll? Open enrollment begins Oct. 26

Fall has arrived in all its glory – changing leaves, football, bonfires, S’mores – and of course, open enrollment! That’s right, your annual opportunity to review benefit offerings and make changes for the upcoming year is almost here.

This year’s open enrollment begins next Monday, Oct. 26 and ends Friday, Nov. 13 at 6 p.m. Eastern Time (ET). Don’t delay, enroll early to save time and avoid last-minute potential issues.

I enrolled last year. Do I really have to enroll – again?

Yes, all benefits-eligible employees should go through the enrollment process each year to ensure the coverage selected is best-suited for them and their family. In addition, the tobacco-user status survey questions should be answered.

  • Tobacco-User Certification: Even if you don’t change plans from last year, you must certify the tobacco-user status each year for yourself and your spouse or same-sex domestic partner (SSDP), if applicable. The certification affects what you pay for Purdue medical insurance for yourself and your covered spouse or SSDP. It also determines what you pay for any additional employee term life insurance you carry. Status options are non-tobacco user (tobacco-free for at least 12 months), tobacco user or tobacco user who has completed an approved cessation program between Sept. 1 and Nov. 13, 2015.

    Employees covered by a 2016 Purdue medical plan who do not certify their tobacco-user status during open enrollment will be defaulted into tobacco-user status and an additional premium of $500 will be applied to their annual medical insurance premium. The same applies to covered spouses and SSDPs, meaning employees covering a spouse or same-sex domestic partner on a Purdue health plan who do not certify their tobacco-user status during open enrollment will have an additional premium of $1,000 added to their annual medical insurance premium.

    Faculty and staff carrying additional employee term life insurance who do not certify their tobacco-user status during open enrollment will be defaulted into tobacco-user status and will have higher rates for their additional life insurance.

Do you have beneficiaries listed for your coverage? If not, you should. If you do, you should review them. Although you may update beneficiaries at any time, open enrollment is the prime time to add or review them.  It’s important to designate beneficiaries as part of planning for the future for you and your loved ones.

  • Beneficiaries:  EBenefits is the official beneficiary record for term life insurance and accidental death and dismemberment insurance. You will be asked to list your beneficiaries during this year’s open enrollment. Employees who decide not to list beneficiaries when enrolling may log into EBenefits to specify beneficiaries at any time to review and make changes.

So, what really happens if I don’t enroll?

If you don’t take advantage of your opportunity to choose a 2016 medical plan or to opt out of Purdue medical coverage for next year, you will automatically be enrolled in the same medical plan in 2016 as you’ve had in 2015. If you’re currently opted out of Purdue medical coverage, you’ll have no Purdue medical insurance in 2016.
Remember, you must enroll by 6 p.m. ET, Nov. 13.

Consequently, if you don’t actively enroll in a Purdue Health Plan by the deadline, you will also notice additional effects of not enrolling. Here’s what you’ll see:

  • 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 any time during 2016 by making a change through EBenefits.

  • Any family members you’re covering on your medical plan in 2015 will continue to be covered in 2016 if they still meet eligibility requirements.

  • As outlined above, if you are on a Purdue medical plan, you will be defaulted into tobacco-user status and will have an additional $500 applied to your annual medical premium.  If you cover a spouse or same-sex domestic partner on your plan, another $500 will be applied (for a total of $1,000 in additional premiums).

  • If you are enrolled in a dental plan for 2015, your plan will not roll forward to 2016. If you elect coverage under a Purdue medical plan in 2016, your coverage will be limited to the preventive dental benefit unless you actively elect a buy-up dental plan.

  • You will have no contributions to a flexible spending account (including health care, dependent day care and limited purpose FSAs).

  • Other 2015 benefits will roll forward to 2016.

As you can see, there are plenty of reasons to enroll! Don’t let the opportunity to make your benefit elections pass you by. There will be a tremendous amount of resources available to help you through the process – including enrollment guides, a dedicated website, information sessions, walk-in labs, recorded presentations and access to Human Resources via phone, email and web. Additional information on resources will be shared starting Monday, Oct. 26.

Your benefits are an important part of your total compensation. Human Resources is committed to providing excellent customer service and resources – during open enrollment and year-round – to help you and your family best utilize these valuable benefit programs.

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