October 19, 2020
Save the date: Benefits open enrollment for 2021 medical plans begins Oct. 28
Open enrollment provides an annual opportunity for faculty and staff to review benefit offerings and make choices for the upcoming year. Open enrollment begins Oct. 28 and ends at 6 p.m. ET Nov. 10. All employees are asked actively enroll via Benefitfocus in order to have benefits coverage in 2021.
Three consumer-driven health plan (CDHP) options with Anthem -- Premier CDHP, Standard CDHP and Limited CDHP -- will be offered in 2021. All three plans have free preventive care with an in-network provider, free generic preventive medications, $10-or-less generic prescriptions (after deductible) and more. The following videos provide information to help guide employees in making a plan choice:
- The “Medical Plan Choices” video takes a look at all three consumer-driven health plans (CDHPs) -- Premier CDHP, Standard CDHP and Limited CHDP -- and provides similarities and comparisons among the plans.
- The “Choosing the Right Medical Plan” video walks viewers through the considerations that should be taken when choosing a medical plan and provides information to help employees understand the full cost of the medical plan -- including the premium, medical costs and out of pocket maximum costs under each of the three CDHP plans available for 2021.
New for 2021
In 2021, employees will see changes to the benefit offerings including:
- Three CDHP plans, mentioned above.
- Health savings account (HSA) contributions from Purdue will be deposited in full in January. Those not eligible for HSAs will be offered a health reimbursement arrangement (HRA).
- Vision plan is a separate election. The vision plan remains a free benefit for employees and their families; however, it must be elected during open enrollment.
- Premiums for the dental plans increase slightly.
- Critical illness, accident and hospital insurance will be provided by Voya, with lower premiums overall.
More details on all the changes can be reviewed on the Open Enrollment What’s New page.
Returning for 2021
- The Healthy Boiler Program wellness incentives -- Returning for the fourth year with enhancements to the incentive structure. The 2021 incentive year runs from Jan. 1 to Dec. 31.
- Anthem Health Guides -- Simplify the health care experience and add a more personalized touch to help employees navigate the many resources available.
- HealthSync -- A provider network offering patient-focused care and lower costs.
- Rx Savings Solutions -- Works in conjunction with employees’ prescription coverage to provide personalized prescription guidance for all members of an employee’s health plan.
- Working Spouse Premium – Allows employees the option of covering working spouses on Purdue’s medical plans. The rate tiers will remain in place for working spouses who have access to medical coverage through their employer (where the employer covers at least 50 percent of the employee-only premium) but choose not to enroll in it.
- Tobacco-User Additional Premium -- Remains at $1,000 per employee and covered spouse, per plan year.
- An open enrollment guide is available for employees at all campuses, including a version in Spanish. The online guide includes details about what is changing, how to enroll and resources available.
- Recorded enrollment presentation: This provides a detailed overview of information pertinent to benefits open enrollment for 2021 in an interactive format. For employees who were unable to attend a virtual presentation or those who would like a quick review, the recorded PowerPoint presentation highlights key enrollment information, including plans being offered, how CDHPs work, what’s new for 2021, how to enroll and more. Viewers can pause or rewind at any time to review specific information.
- Working Spouse Guide: Employees can follow the guide to see how and if the premium applies to their family as well as if a Working Spouse Premium Waiver Form is required.
- Working Spouse Premium Waiver Form: Employees who meet the waiver criteria for covering a working spouse must fill out and upload this form into Benefitfocus by Dec. 1.
- How to Upload Working Spouse Premium Waiver Form: These detailed instructions provide step-by-step instructions on how to upload the form into Benefitfocus.
As open enrollment approaches, here are a few tips to keep in mind:
- Set aside time to actively enroll. Be sure to complete enrollment by 6 p.m. ET Nov. 10.
- Upload the Benefitplace mobile app, which can be used to complete enrollment elections if preferred.
- Remember to review HSA or FSA contributions – take advantage of the pre-tax savings.
- Review beneficiaries. Open enrollment is the perfect time to review and update beneficiaries.
- Don’t stress. Again, there is information already available to help employees and help ensure that the plan best suited for them and their family (if applicable) is chosen.
Questions should be directed to Human Resources – Benefits at your respective campus. Allow time for responses as customer service’s call volume increases significantly during open enrollment.