Take Action During Open Enrollment
November 1 to November 30, 2020
Preparing for Open Enrollment
Information for Retirees, Former Employees, and Current Federal Employees
What Is Open Enrollment?
Open Enrollment is the annual period when employees have the opportunity to make changes to their benefits for the next calendar year. It is also when University announces benefit plan changes and biweekly contribution rates for the next calendar year. The choices you make during Open Enrollment take effect on January 1. Open Enrollment is generally the only time of year that you can change your benefits options, unless you have a qualifying life event like marriage, childbirth, or divorce.
What’s New for 2021?
For 2021, there are no medical plan design changes or changes to the carriers. A few things to know include:
- Medical plan rates are changing for 2021.
- Dental plan rates are changing for 2021.
- Health Care Flexible Spending Account (FSA) maximum contribution is increasing for 2021, to $2,750 maximum. (The Dependent Care FSA maximum is staying at $5,000.)
- Health Savings Account (HSA) maximum contribution is increasing for 2021. The University will continue to contribute $750/Employee Only and $1,500/Family (either tier) to employees participating in the HSA, and in addition, employees can now contribute $2,850/Employee Only or $5,600/Family.
What Do I Have to Do for Open Enrollment?
That depends on whether or not you want to change any of your benefits:
"I don’t want to change my benefits."
The Flexible Spending Account (FSA) is the only employee benefit that you will lose in 2021 if you do not re-enroll. Your other benefits will stay the same if left untouched.
Do you have a Flexible Spending Account (FSA) now, or want to select a Flexible Spending Account for 2021?
Yes: Since Flexible Spending Accounts (Health Care FSA and the Dependent Care FSA) need to be enrolled in every year, you’ll need to enroll annually during Open Enrollment using the online process to ensure you have an FSA in 2021.
No: If you do not want a Flexible Spending Account for 2021, you do not need to make that selection during Open Enrollment.
"I want to make changes to my benefits."
You can change several things during Open Enrollment:
- Medical and Dental: Choose a different medical plan or dental plan.
- Coverage level: Add or cancel coverage for your spouse or dependent children.
- Flexible Spending Accounts: Enroll in a Flexible Spending Account (FSA) so you can use pre-tax dollars for health care or dependent care expenses—participants must enroll every year!
- Short-Term Disability: Increase the amount of your voluntary short-term disability insurance by $100 or $200 without evidence of good health, not to exceed the maximum, or cancel your existing coverage. (To apply for this coverage with evidence of insurability, or to add more than $200 in coverage, use this separate Voluntary Disability Enrollment Form rather than the MyU Portal.)
- Long-Term Disability: Begin, decrease, increase, or cancel voluntary long-term disability insurance coverage if you are a Civil Service or Labor Represented employee.
- Child Life Insurance: Enroll in coverage without evidence of insurability, or cancel existing coverage.
Employee Health & Benefits Fairs
To ensure that you can get the benefits information you need from home, OHR has created the Virtual Benefits Fair. This online fair features vendor resources including videos, flyers and info sheets to download or print, and instructions for reaching out to plan experts with questions or concerns.
Join the fair from November 1–30, 24/7 at Z.umn.edu/VirtualBenefitsFair.
Open Enrollment Brochure
This brochure explains what benefits can be changed or selected during Open Enrollment and includes the 2021 medical plan rates.
What is an ACO Plan?
Preparing for Open Enrollment
Open Enrollment: Changes You Can Make
How to Enroll During Open Enrollment
Discovery Benefits Flexible Spending Accounts
Optum Bank HSA Accounts
Help with Online Enrollment
The OHR Contact Center staff can help you with your benefits questions and enrollment. You can contact them by calling 612-624-8647 or 1-800-756-2363, or emailing email@example.com.
For those who don’t have ready access to a computer, the OHR Contact Center staff can provide a paper Open Enrollment form.
1:1 Phone Enrollment Appointments
If you are unable to access the Open Enrollment portal in MyU from home due to insufficient Internet access, lacking a computer or Duo device, or other barriers, you could complete your benefits enrollment in a single phone call with a 1:1 enrollment appointment.
Schedule your appointment soon! Call the Office of Human Resources at 612-624-8647 and press option 1. The OHR Contact Center is available to help guide you through many of your enrollment questions. If you need additional assistance, the Contact Center will connect you to schedule a 1:1 enrollment appointment. Appointments are available in limited quantities on 11/12, 11/13, 11/25, and 11/30.
How Do I Enroll?
To complete your Open Enrollment, follow these steps:
1. Collect the materials you’ll need before you go online.
- University Internet ID, MyU Password, and Duo device for logging in.
- Any lists or notes of plan changes you’d like to make, including: If you’re enrolling in Medica Elect & Essential, have you chosen a Primary Care Clinic?
- If you’re choosing additional life or spouse life insurance, do you know your maximum amounts?
- If you’re choosing short and/or long term disability coverage, do you know your maximum amount?
- Birthdate and Social Security number for any dependents or a spouse you’re adding to your plan, if applicable. (Remember to add each dependent to each plan they're joining. For example, your dependent's enrollment in Medical will not automatically enroll them in Dental, they must be added to each.)
- Any notes or lists you’ve made about plan changes you’re making.
2. Go to MyU.umn.edu.
- Log in.
- Select “My Benefits” in the left panel.
- Choose "My Benefits Enrollment," scroll down, and click "Select."
3. Click to choose your benefits options.
- All your benefits will automatically re-enroll except the FSA, which must be enrolled in annually.
- You can save drafts and make changes before hitting “Submit.”
4. Click “Submit” on or before November 30, 2020.
Saved drafts that aren’t submitted won’t be officially entered.
Open Enrollment Information for Retirees
- Guide for UPlan Benefits Enrollment—Retirees and Participants on Disability Status (pdf)
- Application for Retirees and Disability Status for Continuation of Coverage, Any Age (pdf, fillable)
Open Enrollment Information for Former Employees
- Eligibility and Your Medical and Dental Rates
- Former Employee Application (pdf)
- COBRA Continuation of Coverage Application (pdf)
Open Enrollment Information for Current Federal Employees
Member ID Cards
You’ll receive new member ID cards at your home address from your Medica medical plan and the Prime Therapeutics pharmacy plan. Delta Dental will send new member ID cards only if you’re a new enrollee or if you changed coverage levels or plan options.
Verifying Dependent Eligibility
If you add new dependents to your medical or dental plan, you will be asked to provide documents to verify that they are eligible. Accepted documentation includes a marriage certificate, birth certificate, or evidence of legal custody or adoption, or tax forms.