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2018 Insurance Enrollment

Open Enrollment Begins October 1 for Benefits Eligible Employees

It's time to make choices for 2019. Open enrollment is held annually from October 1st to October 31st. All premium and plan changes are effective January 1, 2019. If you are satisfied with your current insurance coverage you do not need to do anything; however, if you would like to participate in the Medical Spending, Dependent Care, or Health Savings Account in 2019 you are required to enroll or re-enroll during October enrollment.

To review or make changes to your insurance benefits, register for the PEBA website "My Benefits" To register, employees will need the Benefits Identification Number (BIN) from their health insurance card or may obtain their BIN from the "My Benefits" website. Participants who choose to enroll or re-enroll in a Medical Spending, Dependent Care, or Health Savings Account can now make their change through "My Benefits."

What To Do During 2018 Open Enrollment


  • Enroll in or drop health insurance for yourself and/or eligible dependents.*
  • State Savings Plan participants may switch to the MUSC Health Plan as the Savings Plan is a grandfathered plan and will not accept new enrollees.
  • Enroll in the Tricare Supplement (for eligible members of the military community).


  • No changes to dental; next opportunity to make changes to dental coverage is October 2019 for January 1, 2020.


  • Enroll in or drop vision insurance for yourself and/or eligible dependents.*

Life Insurance

  • Enroll in or increase optional employee or spouse* life insurance with medical evidence of good health.
  • Enroll in dependent child* life insurance, with no medical evidence needed, at any time of year.
  • Decrease or drop optional employee, spouse, or dependent child life insurance.

Supplemental Long Term Disability

  • With medical evidence of good health, active employees may apply to enroll in SLTD coverage or decrease waiting period at any time of year.
  • Drop coverage or increase waiting period without medical evidence.

Flexible Spending Accounts (Medical Spending/Dependent Care/Health Savings)

  • Enroll or re-enroll in Medical Spending or Dependent Care Account (required every year).
  • Health Savings Account (for participants of the high deductible Savings Health Plan only) will need to re-enroll in My Benefits and with the new bank custodian, Central Bank, to continue contributions for 2019.

*Documentation is required to add dependents to coverage.

What’s New for 2019?

  • Employee premiums: no increase to health, dental, vision, life or long term disability.
  • MUSC Health Plan Tier A: no increase to deductibles or copays for services provided by MUSC physicians or providers who participate in the MUSC network.
  • MUSC Health Plan Tier B and Tier C services: slight increase to copays, deductibles, coinsurance maximums, prescription copays and prescription maximums for services at non-MUSC providers.