2019 Insurance Enrollment

Open Enrollment Begins October 1 for Benefits Eligible Employees

It's time to make choices for 2020. Open enrollment is held annually from October 1st to October 31st. All premium and plan changes are effective January 1, 2020. 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 2020 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 2019 Open Enrollment

Health

  • 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).

Dental

  • Add or drop basic dental or dental plus. Note, dental changes call only be made in odd numbered Open Enrollment years. Your next opportunity to make changes to dental coverage is October 2021 for January 1, 2022.

Vision

  • 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 to continue contributions for 2020.

*Documentation is required to add dependents to coverage.

What’s New for 2020?

  • Employee premiums: no increase to health, life or long term disability.
  • Slight increase to dental plus premiums for most tiers and decrease in vision premiums.
  • 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.

2019 Open Enrollment Resources