2022-2023 May 1 - May 31, 2022 - Open Enrollment Dates: employee benefits & open enrollment information
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2022-2023
EMPLOYEE BENEFITS &
OPEN ENROLLMENT
INFORMATION
Open Enrollment Dates:
May 1 - May 31, 2022
Please visit hr.usu.edu/open-enrollment for more information.
USU Employees,
The USU Benefits Team is pleased to announce the open enrollment period will begin on May 1 at
8:00 am and continue through May 31 until 11:59 pm. This is the time each year when employees
are encouraged to take the opportunity to re-evaluate current and future benefit needs. Understand-
ing your 2022-2023 benefit plan options is important, so you are encouraged to review this booklet
carefully. You may also visit the open enrollment website at hr.usu.edu/open-enrollment to take
advantage of the many tools available to assist you in making well-informed decisions.
If you have any questions or would like to better understand the benefits USU has to offer, we en-
courage you to attend the virtual Open Enrollment Benefits Fair on Tuesday, May 10 from 9:00 am
to 4:00 pm. Throughout the day on May 10, benefit providers will present a 30-60 minute overview
of their benefits via Zoom, and employees may schedule one-on-one virtual meetings with vendor
representatives to discuss specific questions. Please visit hr.usu.edu/open-enrollment for a sched-
ule of presentations and to schedule one-on-one meetings.
Even before COVID-19, the USU Benefits team was seeing a growing need for more mental health
support for our employees and their families. In response, the USU Benefits team developed the
Aggies Thrive website to provide and consolidate available mental health resources. Effective July 1,
2022, we are pleased to announce that USU will further expand the mental health benefits available
to you. The Regence Blue Cross Blue Shield insurance plans will now include an unlimited number
of office visits for mental health related issues and coverage for up to 60 days in a residential care
facility. Deductibles and co-pays/co-insurance will still apply.
Did you know that in the event of the death of a benefit eligible employee, USU pays one month
salary of that employee as a death benefit? To ensure we have the correct beneficiary information
on file for this death benefit, please fill out this information during the enrollment process to sub-
mit/update both primary and secondary beneficiary information. These beneficiaries are separate
from any beneficiaries designated for life insurance through The Hartford. Even if you are not mak-
ing changes to your benefits, we encourage you to update this beneficiary information.
A modest increase to medical premiums is reflected on pages 8 and 9. If you’d like to keep your
current benefits, no action is required unless you’d like to enroll in a flexible spending account,
which requires a new enrollment every year.
Making changes to your benefits is easy. Refer to page 5 for instructions. As a reminder, any new
elections or changes made during open enrollment will become effective July 1, 2022 and payroll
deductions for the new benefit elections will be reflected on your August 1, 2022 paycheck. Please
review your August 1 paystub carefully to make sure all benefit deductions are correct.
Please visit hr.usu.edu/open-enrollment for more information or contact the HR Solutions Center at
(435) 797-0122 if you have any questions.
Your Benefits Team,
Lisa Leishman, Associate Director
Angie Clayson, Benefits Supervisor
Hayden Blauer, HR Specialist
Heather Cheatham, HR Representative
Anne-Marie Griffin Wilson, HR Representative
Alyssa Jensen, Employee Wellness Manager
Printed by Aggie Print
2022-2023
EMPLOYEE BENEFITS & OPEN ENROLLMENT
2 Aggies Thrive
INFORMATION
CONTENTS
3 Aetna Resources
OPEN ENROLLMENT
INFORMATION -
ENROLL BETWEEN
MAY 1 - MAY 31, 2022
5 Steps to Making Open Enrollment
Changes
6 Family Members Who Are Eligible
for USU Benefits
7 Medical Plan Benefits
8 Medical and Dental Premiums
12 Pharmacy Benefits ENROLLMENT TIMELINE
14 Health Savings Account (HSA) MAY 1
15 WEX Mobile App Open enrollment period begins.
16 Flexible Spending Account (FSA)
MAY 10
16 Zurich® Supplemental Accidental
Death & Dismemberment Insurance Virtual Open Enrollment Benefits Fair.
Visit hr.usu.edu/open-enrollment for a schedule
17 The Hartford - Life & Disability
of presentations and to schedule one-on-one
Insurances
meetings.
18 EyeMed Supplemental Vision Insurance
MAY 31
19 MetLife Legal Plans
Open Enrollment ends at 11:59 pm (MDT).
ADDITIONAL EMPLOYEE JUNE 30
BENEFITS INFORMATION 2021-2022 plan year ends.
ENROLL ANYTIME JULY 1
18 Employee Wellness at USU-Be Well 2022-2023 plan year begins. Deductibles and
20 Farmers Home & Auto Insurance out-of-pocket maximums reset.
20 Retirement Plans AUGUST 1
22 Utah Educational Savings Plan Visit Banner Access at access.usu.edu to verify
that benefit deductions are correct.
22 Retirement Health Care Savings Plan
24 Where can I get more information?
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 1
mental health and emotional wellbe
finding others with similar interests
be difficult, especially if you are ne
an app that lets you create or join e
The COVID-19 pandemic has had a major effect on our
your areas of interest. If you enjoy
lives. Many of us are facing challenges that can be
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stressful, overwhelming, and cause strong emotions in
weather and want to get outdoors,
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social distancing, are necessary to reduce the spread
group on Meetup and get to know o
of COVID-19, but they can make us feel isolated and
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lonely and can increase stress and anxiety. Learning to
cope withmentalstresshealth and emotional
in a healthy way will wellbeing;
make you, however,
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become
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an app that lets you create or join events that pertain to
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you enjoyto provide
book a
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its daily struggles.
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every Learning
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way will make you, the Visit the Aggies Thrive website at hr.usu.edu > benefits
ose around Mental
you and physical health are equally important components of overall health. For example, depression increases
become > aggies thrive for a comprehensive overview of the
the risk for many types of physical health problems, particularly long-lasting conditions like diabetes, heart disease,
Aggies Thrive program. The Employee Assistance
and stroke. Similarly, the presence of chronic conditions can increase the risk for mental illness.
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health resources. great Visit the Aggies Thrive
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employees.
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overview of the program.
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Aggiesheld Thrive is in
a USU initiative designed to provide a President Cockett.
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more comprehensive
mark your calendars mental health support system for
university employees andBenefits
In October 2020 USU held its inaugural
their loved ones. We aim to Destigmatize
World Mental & Educate •
now to join the USU team on Monday, Oc-
Health Day, which consisted of several activities held
nourishtobera culture
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Visit the Thrive at hr.usu.edu > benefits
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2 2022-2023 EMPLOYEEoverview BENEFITS of &the OPEN ENROLLMENT
Aggies Thrive program. The Employee information available to you and your family at our
Assistance
Program through Aetna (see page website,
3) is ahr.usu.edu
pivotal piece > benefits > aggies thrive.
Anytime
support
Aetna Resources For Living℠
Employee Assistance Program Utah State University
To access services: Aetna Resources For Living is an employer sponsored
1-888-238-6232, TTY: 711 program, available at no cost to you and all members of
your household. That includes dependent children up to
resourcesforliving.com
age 26, whether or not they live at home.
Username: USU
Services are confidential and available 24 hours a day,
Password: EAP
7 days a week.
Emotional well-being support Daily life assistance
You can access up to 6 counseling sessions per issue Competing day-to-day needs can make it tough to know
each year. You can also call us 24 hours a day for where to start. Call us for personalized guidance. We’ll
in-the-moment emotional well-being support. help you find resources for:
Counseling sessions are available face to face or online • Child care, parenting and adoption
with televideo. Services are free and confidential. We’re • Summer programs for kids
always here to help with a wide range of issues • School and financial aid research
including: • Care for older adults
• Relationship support • Caregiver support
• Stress management • Special needs
• Work/life balance • Pet care
• Family issues • Home repair and improvement
• Grief and loss • Household services and more
• Depression We also offer carekits related to growing families,
• Anxiety child care, caregiving and more.
• Substance misuse and more
• Self-esteem and personal development
74.03.962.1-ARFL E (9/19)
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 3
Online resources Legal services
Your member website offers a full range of tools and You can get a free 30-minute consultation with a
resources to help with emotional wellbeing, work/life participating attorney for each new legal topic related to:
balance and more. You’ll find:
• General • Divorce
• Articles and self-assessments • Family • Wills and other document
• Adult care and child care provider search tool • Criminal law preparation
• Stress resource center • Elder law and estate • Real estate transactions
• Video resources planning • Mediation services
• Live and recorded webinars If you opt for services beyond the initial consultation you
• Mobile app can get a 25 percent discount.
Discount Center *Services must be related to the employee and eligible
Find deals on brand name products and services including household members. Work-related issues are not covered.
electronics, entertainment, gifts and flowers, travel, Discount does not include flat legal fees, contingency fees
fitness, nutrition and more. and plan mediator services.
myStrength
myStrength offers tools to improve your emotional Financial services
health and help you overcome depression, anxiety,
Simply call for a free 30-minute consultation for each new
stress, substance misuse and/or chronic pain.
financial topic related to:
Other services • Budgeting • Credit and debt issues
• Retirement or other • College funding
Identity theft services — One hour fraud resolution phone
financial planning • Tax and IRS questions and
consultation or coaching about ID theft prevention and
• Mortgages and refinancing preparation
credit restoration. Services include a free emergency kit
for victims. You can also get a 25 percent discount on tax preparation
services.
*Services must be for financial matters related to the
employee and eligible household members.
Aetna Resources For LivingSM is the brand name used for products and services offered through the Aetna group
of subsidiary companies (Aetna). The EAP is administered by Aetna Behavioral Health, LLC and in California for
Knox-Keene plans, Aetna Health of California, Inc. and Health and Human Resources Center, Inc.
All calls are confidential, except as required by law. EAP instructors, educators and participating providers are independent
contractors and are not agents of Aetna. Provider participation may change without notice. Discount services are provided and
managed by Lifecare, an independent third party. Aetna does not oversee or control the services provided by or recommended
by Lifecare and does not assume any liability for their services. For more information about Aetna plans, refer to aetna.com.
©2019 Aetna Inc.
74.03.962.1-ARFL E (9/19)
4 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT
MAY 1 - MAY 31, 2022
Steps to Making Open Enrollment Changes
1. Between May 1 - May 31, 2022 login
to ServiceNow.usu.edu. To login you
will need your A-number and strong
password.
2. Click on Human Resources and select
the Benefit Enrollment tile.
3. Click on Annual Open Enrollment.
4. Read your welcome letter for
instructions and scroll through the
elections to make any necessary
changes. Read the questions and
pop-up instructions on each section
carefully.
5. Once you confirm the information
is accurate, click Submit Now. A
confirmation email will be sent to your
USU email address. You can go through
the enrollment process as many times
as you need during the open enrollment
period, but only the last submission
will be saved. Please retain the final
confirmation email until after August 1,
2022. Utilize Self Service Banner/Banner
Access to verify your deductions reflect
your open enrollment elections.
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 5
MAY 1 - MAY 31, 2022
Family Members Who are
Eligible for USU Benefits
• Spouse • Unmarried children to whom you
• Domestic partner* are legally responsible to provide
health coverage under the terms of
• Married or unmarried children under age 26
a Qualified Medical Child Support
• Natural children Order
• Step children • Unmarried children over the age limit
• Legally adopted children who depend on you for primary
• Children for whom you have legal financial support and maintenance
guardianship due to physical or mental disability
• Foster children • Children of your domestic partner
who depend on you for support and
• Children placed with you for adoption
live with you in a parent/child relationship
*It is important to remember when you select coverage with a domestic partner, the IRS assesses a
domestic partner tax on the Medical and Dental Premiums. For questions about the tax rate, please contact
the HR Solutions Center at (435) 797-0122. Domestic partners are not eligible for tuition remission benefits.
6 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT
MAY 1 - MAY 31, 2022
2022-2023 Medical Plan Benefits
PLAN HIGH DEDUCTIBLE WELLNESS PLAN HIGH PREMIUM
COMPARISON HEALTH PLAN* (White)* PLAN (Blue)*
80/20 Coverage 70/30 Coverage 80/20 Coverage
BENEFITS PER PLAN YEAR YOU PAY YOU PAY YOU PAY
Preventive Care Cost
Preventive Care is not $0 $0 $0
subject to deductibles or co-pays
Deductible (Ded)
Single $1,500 $750 $500
Family $3,000** $1,500 $1,000
Co-pays
Doctor Visits (regular office hours) 20% after Ded $35 co-pay, after Ded $30 co-pay, after Ded
Emergency Room 20% after Ded $250 co-pay, after Ded $250 co-pay, after Ded
Co-insurance Percentage 20% after Ded 30% after Ded 20% after Ded
Maximum Out-of-Pocket
Single Coverage $5,000 $4,000 $3,250
Family Coverage $10,000*** $8,000 $6,500
After Ded, you pay $0 up After Ded, you pay $0 up After Ded, you pay $0 up
Diagnostic X-ray and Lab to $1,000, thereafter you to $1,000, thereafter you to $1,000, thereafter you
pay 20%. pay 30%. pay 20%.
Prescription Drugs***
Generic 30-Day $10 $10
90-Day $15 $15
Preferred Brand All Rx 35% 35%
Brand 20% after Ded 50% 50%
30-day
Specialty Preferred 20% up to $150 20% up to $150
Specialty 35% up to $300 35% up to $300
Specialty Cancer Chemotherapy 35% up to $300 35% up to $300
Medical Premiums See page 8 See page 8 See page 9
Rx Co-insurance Maximum
Single N/A $1,750 $1,500
Family $3,500 $3,000
* This booklet is not intended to replace or interpret any program’s Summary Plan Description (SPD), and any dif-
ferences between this booklet information and the actual SPD are unintentional and non-binding. For final benefit
questions, such as plan coverage, please refer to the SPD which can be found at hr.usu.edu > benefits > medical.
The SPD, NOT this booklet, will be followed for all claim determinations.
**If you have other family members on the policy, the overall family deductible must be met before the plan begins to pay.
*** Per person max on family is $5,000.
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 7
Utah State University
Employee Monthly Utah State Medical
Monthly Insurance Premiums and Dental
University
Monthly Insurance Premiums
Insurance
Full-Time BenefittedPremiums 2022-2023
Full-Time Benefitted Employee (2021-2022 New Plan Year )
Employee (2021-2022 New Plan Year )
Below are the monthly Insurance premiums for benefited employees working at least 30 hours per week.
If you areBelow are the employee
a benefited monthly Insurance
and workpremiums for30
less than benefited employees
hours per working
week, please atPart-Time
see least 30 hours per week.
Premium information.
If you are a benefited employee and work less than 30 hours per week, please see Part-Time Premium information.
Utah State University pays an average premium of $1,158 per participating employee per month in our Health Plan.
Utah
UtahState
StateUniversity
Universitypays
paysananaverage
averagepremium
premiumofof$1,158 perparticipating
$61 per participatingemployee
employeeper
permonth
monthininour
ourDental
HealthPlan.
Plan.
Utah State University pays an average premium of $61 per participating employee per month in our Dental Plan.
HIGH DEDUCTIBLE HEALTH
High Deductible Health
Preferred Value
High PLAN
High Deductible Health Plan (HDHP)
Plan (HDHP)
High Deductible
Care Network
(HDHP)
Deductible Health
Health
Participating
Plan (HDHP)
Plan (HDHP)
Network
Preferred Value CareCoverage
Network Coverage Participating Network
NETWORK: Preferred ValueCare Network (PVC)
Coverage Coverage
Salary Range Single Two-Party Family Salary Range Single Two-Party Family
Salary Range
$24,999 or Less Single
$7.02 Two-Party
$15.79 Family
$22.80 Salary Range
$24,999 or Less Single
$40.02 Two-Party
$90.04 Family
$130.05
MONTHLY PREMIUMS
$25,000 -or37,999
$24,999 Less $7.02
$8.84 $15.79
$19.89 $22.80
$28.73 $25,000 -or37,999
$24,999 Less $40.02
$41.84 $90.04
$94.14 $130.05
$135.98
Salary
$25,000
$38,000 Ranges
-- 57,999
37,999 $8.84
$11.14 Single
$19.89
$25.06 Coverage
$28.73
$36.20 Two-Party
$25,000 Coverage$41.84
$38,000 -- 37,999
57,999 $44.14 Family Coverage
$94.14
$99.31 $135.98
$143.45
$38,000 - 57,999
$58,000 or More $11.14
$14.03 $25.06
$31.58 $36.20
$45.61 $38,000 or
$58,000 - 57,999
More $44.14
$47.03 $99.31
$105.83 $143.45
$152.86
$24,999 or less
$58,000 or More $14.03
$10.09$45.61
$31.58
$22.69
$58,000 or More $47.03
$32.78 $152.86
$105.83
$25,000 - $37,999 $10.99 $24.72 $35.71
Wellness (White) Plan Wellness (White) Plan
$38,000 - $57 ,999 (White) Plan$12.60
Wellness $28.34Wellness (White) Plan $40.94
Preferred Value Care Network Participating Network
Preferred Value CareCoverage
Network Participating Network
$58,000 or more $15.87 $35.71 $51.58
Coverage
Salary Range Single Coverage
Two-Party Family Salary Range Single Coverage
Two-Party Family
Salary Range
$24,999 or Less NETWORK: Participating Network (PAR)
Single
$26.72 Two-Party
$60.12 Family
$86.84 Salary Range
$24,999 or Less Single
$57.72 Two-Party
$129.87 Family
$187.59
$24,999 -or37,999
$25,000 Less $26.72
$33.67 $60.12
$75.75 $86.84
$109.41 $24,999 -or37,999
$25,000 Less $57.72
$64.67 $129.87
$145.50 $187.59
$210.16
$25,000 - 37,999
$38,000 - 57,999 $33.67
$42.42 $75.75
$95.44 MONTHLY
$109.41
$137.85 PREMIUMS
$25,000 - 37,999
$38,000 - 57,999 $64.67
$73.42 $145.50
$165.19 $210.16
$238.60
$38,000
$58,000 -or57,999 $42.42
$53.44 $95.44
$120.24 $137.85
$173.68 $38,000
$58,000 -or57,999 $73.42 $165.19 $238.60
Salary MoreRanges
$58,000 or More $53.44
Single
$120.24
Coverage
$173.68
Two-Party Coverage$84.44
More
$58,000 or More $84.44
$189.99
Family $274.43
Coverage
$189.99 $274.43
$24,999 or less $45.09 $101.44 $146.53
High Premium (Blue) Plan High Premium (Blue) Plan
$25,000 High
- Preferred
$37,999
Premium (Blue)
Value Care
$45.99
Plan
Network
$103.47
HighParticipating (Blue)$149.46
Premium Network Plan
$38,000 - Preferred
$57,999Value CareCoverage
Network
$47.60 $107.09 Participating Network
$154.69
Coverage
Salary Range Single Coverage
Two-Party Family Salary Range Single Coverage
Two-Party Family
$58,000
Salary
$24,999Range or
or Less
more$68.70
Single $50.87
Two-Party
$154.58 Family
$223.28
$114.46
Salary Range
$24,999 or Less Single
$101.70
$165.33 $330.53
Two-Party
$228.83 Family
$24,999
$25,000 or Less
- 37,999 $68.70
$86.56 $154.58
$194.75 $223.28
$281.31 $24,999
$25,000 or Less
- 37,999 $101.70
$119.56 $228.83
$269.00 $330.53
$388.56
$25,000 - 37,999
$38,000 - 57,999
$38,000
WELLNESS PLAN
$86.56
$109.05
$109.05
(White Plan)
$194.75
$245.37
$245.37
$281.31
$354.43
$354.43
$25,000 - 37,999
$38,000 - 57,999 $119.56
$142.05
$142.05
$269.00
$319.62
$319.62
$388.56
$461.68
$461.68
$58,000 -or57,999
More $137.40 $38,000 - 57,999
$309.15 $446.55 $58,000 or More $170.40 $383.40 $553.80
$58,000 or More $137.40 $309.15 $446.55 $58,000 or More $170.40 $383.40 $553.80
NETWORK: Preferred ValueCare Network (PVC)
Average Utah State University MONTHLY PREMIUMS Dental Premiums
Average Utah State University $1,158.00 Dental Premiums
Health Premium Contribution $1,158.00 Coverage
Health Premium
Salary Contribution
Ranges Single Coverage Two-Party
Average Utah State University Salary RangeCoverageSingle Family Coverage
Coverage
Two-Party Family
Average Utah State University $60.63 Salary Range Single Two-Party Family
Dental Premium
$24,999
Dental orContribution
Premium less
Contribution
$60.63
$29.80 All Employees
$67.05
All Employees
$11.24
$11.24
$22.48
$96.84
$22.48
$36.53
$36.53
$25,000 - $37,999 $36.28 $81.63 $117.91
$38,000 - $57,999 $45.71 $102.85 $148.56
$58,000 or more $57.59 $129.58 $187.17
NETWORK: Participating Network (PAR)
MONTHLY PREMIUMS
Salary Ranges Single Coverage Two-Party Coverage Family Coverage
$24,999 or less $62.80 $141.30 $204.09
$25,000 - $37,999 $69.28 $155.88 $225.16
$38,000 - $57,999 $78.71 $177.10 $255.81
$58,000 or more $90.59 $203.83 $294.42
8 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTMAY 1 - MAY 31, 2022
HIGH PREMIUM PLAN (Blue Plan)
NETWORK: Preferred ValueCare Network (PVC)
MONTHLY PREMIUMS
Salary Ranges Single Coverage Two-Party Coverage Family Coverage
$24,999 or less $78.70 $164.58 $233.28
$25,000 - $37,999 $98.78 $206.63 $288.31
$38,000 - $57,999 $113.05 $249.37 $358.43
$58,000 or more $137.40 $309.15 $446.55
NETWORK: Participating Network (PAR)
MONTHLY PREMIUMS
Salary Ranges Single Coverage Two-Party Coverage Family Coverage
$24,999 or less $113.70 $243.58 $347.28
$25,000 - $37,999 $133.78 $285.63 $402.31
$38,000 - $57,999 $148.05 $328.37 $472.43
$58,000 or more $172.40 $388.15 $560.55
DENTAL PLAN
DENTAL COVERAGE LEVELS MONTHLY PREMIUMS
Employee Only $11.24
Employee Plus One Dependent $22.48
Employee Plus Two or More Dependents $36.53
DENTAL BENEFITS PLAN PAYS
Preventive & Basic Paid at 80%
Dental
Major and Ortho Paid at 50%
Dental Maximum per year $1,500 per claimant
Ortho Lifetime Maximum $1,500 per claimant
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 9MAY 1 - MAY 31, 2022
Medical and Dental Insurance Plans
Does Your Spouse or Partner Work at USU?
If you and your spouse work at USU, you may elect Dual Coverage benefits. Both employees will
pay premiums for the same plan. The lower wage earner will pay the family or couple rate and be
considered the “subscriber,” while the higher wage earner will pay the single rate.
Dual Employed Benefit Plan 2022-2023
DUAL OPTION PLAN WELLNESS PLAN HIGH PREMIUM PLAN
(White Plan) (Blue Plan)
BENEFITS FOR PLAN YEAR YOU PAY YOU PAY
Deductible
Per Employee $375 $250
Per Family $750 $500
Co-pays
Doctor Visits (regular office hours) $15 $15
Emergency Room $125 $125
Prescription Drugs*
Generic 30-Day $5 $5
90-Day $5 $5
Formulary 15% 15%
Non-Formulary 25% 25%
Out-of-Pocket Max $1,750 $1,500
DENTAL BENEFITS
PLAN PAYS PLAN PAYS
Preventive & Basic Paid at Preventive & Basic Paid at
Dental Preventive
100%, Major& Basic Paid
Paid at 80%at 100%, Major Paid at 80%,
100%, Major Paid at 80% Ortho is paid at 50%
Dental Maximum Benefit Per Year $2,000 per claimant $2,000 per claimant
Ortho Lifetime Maximum $2,000 per claimant $2,000 per claimant
10 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTThe main difference in Utah between the Preferred ValueCare Network (PVC) and Participating
Network (PAR) is the hospitals and providers that are considered in-network. See chart below.
Regence BlueCross BlueShield of Utah
Network Comparison
HOSPITAL PAR PVC HOSPITAL PAR PVC
ALTA VIEW HOSPITAL X LOGAN REGIONAL HOSPITAL X X
AMERICAN FORK HOSPITAL X LONE PEAK HOSPITAL INC X X
ASHLEY REGIONAL MEDICAL CENTER X X MCKAY DEE HOSPITAL X
BEAR RIVER VALLEY HOSPITAL X X MILFORD MEMORIAL HOSPITAL X X
BEAVER VALLEY HOSPITAL X X MOAB REGIONAL HOSPITAL X X
BLUE MOUNTAIN HOSPITAL X X MORAN EYE CENTER X X
BRIGHAM CITY HOSPITAL X X MOUNTAIN POINT MEDICAL CENTER X X
CACHE VALLEY HOSPITAL X X MOUNTAIN VIEW HOSPITAL X X
CASTLEVIEW HOSPITAL X X MOUNTAIN WEST MEDICAL CENTER X X
CEDAR CITY MEDICAL CENTER X X OGDEN REGIONAL MEDICAL CENTER X X
CENTRAL VALLEY MEDICAL CENTER X X OREM COMMUNITY HOSPITAL X
DAVIS HOSPITAL AND MEDICAL CENTER X X PARK CITY MEDICAL CENTER X X
DELTA COMMUNITY MEDICAL CENTER X X PRIMARY CHILDREN'S HOSPITAL X X
DIXIE REGIONAL MEDICAL CENTER X X RIVERTON CHILDREN'S UNIT X X
FILLMORE HOSPITAL X X RIVERTON HOSPITAL X
GARFIELD MEMORIAL HOSPITAL X X SALT LAKE REGIONAL MEDICAL CENTER X X
GUNNISON VALLEY HOSPITAL X X SAN JUAN COUNTY HOSPITAL X X
HEBER VALLEY MEDICAL CENTER X X SANPETE VALLEY HOSPITAL X X
HUNTSMAN CANCER HOSPITAL X X SEVIER VALLEY MEDICAL CENTER X X
INTERMOUNTAIN MEDICAL CENTER X ST MARK'S HOSPITAL X X
JORDAN VALLEY MEDICAL CENTER - WEST JORDAN X X THE ORTHOPEDIC SPECIALTY HOSPITAL (TOSH) X
JORDAN VALLEY MEDICAL CENTER - WEST VALLEY X X TIMPANOGOS REGIONAL HOSPITAL X X
KANE COUNTY HOSPITAL X X UINTAH BASIN MEDICAL CENTER X X
LAKEVIEW HOSPITAL X X UNIVERSITY HOSPITAL X X
LAYTON HOSPITAL X UNIVERSITY OF UTAH ORTHO CENTER X X
LDS HOSPITAL X UTAH VALLEY REGIONAL MEDICAL CENTER X
Participating (PAR) and National BlueCard TRADITIONAL Network
52 Utah Hospitals (100%)
16,384 physicians and other professionals statewide
Preferred ValueCare (PVC) and National BlueCard PPO/EPO Network
42 Utah Hospitals
16,044 physicians and other professionals statewide
Both networks include free-standing surgical and imaging centers, urgent care locations, providers and clinics.
Largest Nationwide Network that includes:
9 6 % o f H o s p it al s an d 9 5 % o f p r o v id e r s
Search for providers at regence.com or bcbs.com
For questions about your network outside of Utah call Regence customer service at 1-866-240-9580.
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 11R E G E N C E .C O M A N D A P P
MAY Health
1 - MAYcare
31, 2022
support at your fingertips
R E G E N C E .C O M A N D A P P
When it comes to managing your health care, you deserve more support
Health
and care support
less complexity. atRegence
That’s why your fingertips
offers a personalized digital
experience on regence.com and in the app.
When it comes to managing your health care, you deserve more support
and less complexity. That’s why Regence offers a personalized digital
One experience, any device
experience on regence.com and in the app.
Everything you need is in one
place: Check your claims, view your
One experience,
benefits, anydoctors
find in-network device
and personalized insights, and chat
Everything you need is in one
with Customer Service.
place: Check your claims, view your
All this right
benefits, findfrom your own
in-network home
doctors
screen—a
and convenient
personalized way and
insights, to take
chat
care of yourselfService.
with Customer and save money
along the way.
All this right from your own home
screen—a convenient way to take
care of yourself and save money
along the way.
Get started!
Download the Regence app or go to regence.com to create an
account. All you need is your member ID card to get started.
Get started!
Download the Regence app or go to regence.com to create an
Pharmacy Benefits account. All you need is your member ID card to get started.
Regence Blue Cross Blue Shield is the Pharmacy
Benefit Manager (PBM) for all USU medical plans
(Blue, White, and HDHP). Managing prescriptions
can be difficult and Regence is available to assist you
with all your prescription needs. Here are five tips for
getting the most from your prescription benefits plan:
Register and sign in to regence.com to search the
1. Check the drug list. list of covered drugs. Select Pharmacy Benefits
When it comes to choosing medications, it’s and Find a Drug. Enter any drug name in the search
important to know how the list of covered drugs— field to find out if it’s covered. If you don’t see your
or formulary—works. The covered drug list divides prescription drug on the list, you could pay more
medications into multiple tiers, each with its own out of pocket the next time you get it filled.
cost share. Before a medication is added to the list,
Regence’s team of doctors and pharmacists carefully Generic and brand-name medications have the
evaluate how safe and effective it is while assessing same strength, quality and purity. But, generics
whether it will improve health. What does this mean can also cost up to 80% less. So, ask your doctor
for you? By knowing whether your benefit covers if there is a generic drug that will work for you. To
your medication as well as which tier it falls under, save money, talk to your doctor about switching to
you’ll know how much you owe. a generic equivalent on our list of covered drugs.
12 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTMAY 1 - MAY 31, 2022
2. Check to see if your pharmacy is in-network. checking before you go to the pharmacy. In many
We have participating pharmacies across the U.S. cases, brand name drugs can be replaced with
Follow the instructions above for checking the drug equivalent generic alternatives at a much lower cost.
list and select Find a Pharmacy. Be sure to show your Visit regence.com and select Pharmacy Benefits >
member ID card to the pharmacist to make sure your Pharmacy forms to see the list of prescription drugs
claims get processed accurately. that require pre-authorization.
3. Use Express Scripts Pharmacy for the best Understanding pre-authorization
home delivery prices. To ensure you’re getting an effective drug at an
Express Scripts Pharmacy is our preferred vendor and affordable price, we review prescriptions for some
offers in-network prices. It’s a safe, convenient way to medications before we cover them. Drugs on the
get your long-term medicines delivered right to your pre-authorization list include many for which equal or
door. Visit www.express-scripts.com, or call (833) more effective and lower-cost options exist. If your
599-0451, or the number on the back of your ID card drug needs pre-authorization, you’ll want to do one of
to get started. two things:
1. Talk with your doctor to see if there’s an alternative
4. Use Accredo Specialty Pharmacy for specialty treatment that does not require pre-authorization.
drugs.
Your health plan is committed to giving you a specialty OR
pharmacy that offers the medicines and support you 2. Have your doctor or pharmacist request pre-
need to manage your complex health issues. That’s authorization for your medication. You may need
what you get with Accredo, your preferred specialty to get that authorization before you can get your
pharmacy. Visit www.accredo.com, or call prescription filled.
(833) 599-0514, or the number on the back of
your ID card to get started. Phone Numbers:
General Questions: (866) 240-9580
5. Check to see if your prescription drug requires
pre-authorization. Mail Order: (833) 599-0451
Some prescription drugs require pre-authorization Specialty Rx: (833) 599-0514
before Regence will cover them to make sure you’re Prior Authorizations: (866) 240-9580
getting the most effective, highest value prescription
drug available. You can save time and money by
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 13Health Savings Account
Discovery Benefits, WEX Can I enroll?
MAY 1 - MAY 31, 2022
You must be enrolled in a high-
Why should I choose a health deductible health plan (HDHP) in
savings accountHealth (HSA)? Savings orderAccount
to enroll in the HSA. You're
An HSA is a benefit that allowsOffered
you to choosethrough WEX
not eligible for an HSA if:
how
much of your paycheck you'd like to set aside,
You're claimed as a dependent
before taxes are taken out, for healthcare expenses.
WhyHSA should I choose a health on someone elses taxes.
Can I enroll?
Think of your as a personal savings account.
savings account (HSA)?
Any unspent money in your HSA remains yours, You mustYou're covered
be enrolled by another plan
in a high-
deductiblethat conflicts
health with the
plan (HDHP) in HDHP,
allowing An
youHSA is a benefit
to grow your that allowsover
balance you to
time.
choose how much of your paycheck you’d order to enroll in the HSA. You’re
such as Medicare, a medical flex
like to set aside, before taxes are taken out, not eligible for an HSA if:
spending account or select
Using anforHSA account
health is easy. Swipe
care expenses. Think ofyour
yourbenefits
HSA • You’re claimed
health as a dependent on
reimbursement
debit card
as at the point
a personal of purchase.
savings account. Access your someone elses taxes.
arrangement (HRAs).
benefits Any
24/7unspent
with the Benefits
money Mobile
in your App. the app
HSA remains • You’re covered
You orby another
your planare
spouse
is free, convenient andyou
yours, allowing offers real-time
to grow access to all
your balance that conflicts with the HDHP,
over accounts.
your benefit time. If you don't have a such ascontributing to a medical FSA.
Medicare, a medical
Using an HSA account
smartphone you can access the is easy.
sameSwipe your on
features flex spending account (FSA) or
What
select are
health the contribution
reimbursement
benefits
your desktop bydebit card in
logging at to
theyour
pointonline
of purchase.
account at
Access your benefits 24/7 with the Benefits limits &(HRAs).
arrangement IRS regulations?
www.DiscoveryBenefits.com
Mobile App. The app is and free,selecting
convenient"Login" in • You or your spouse are
the navigation bar.real-time access to all your WEX
and offers The IRS to
contributing sets the maximum
a medical FSA. dollar
accounts. If you don’t have a smartphone amount you can elect and
youunique,
can access thetax
same features on your What are the contribution
The HSA's triple savings means the contribute to an HSA. The 2021
desktop by logging in to your online account limits & IRS regulations?
money you contribute, earnings
at www.wexinc.com from investments
and selecting “Login” annual contribution limit is:
The IRS sets the maximum
and withdrawals for eligible
in the navigation bar. expenses are all tax- Single
dollar amount youCoverage $3,600
can elect and
free, making it a savvy
The HSA’s savings
unique, tool.
triple tax savings means contributeFamily Coverage
to an HSA. $7,200
The 2022
the money you contribute, earnings from annual contribution limit is:
You can investments, and withdrawals
invest your HSA for eligible
funs in an interest-bearing Have
•Single Coverage questions?
$3,650
account expenses are all tax-free, making it a savvy
or standard mutual fund lineup. Savvy •Family Coverage $7,300
savings tool.
investors may opt for a Health Savings Brokerage Contact Discovery Benefit's
You can invest your HSA funds in an interest-
Account powered by Charles Schwab, giving you
HaveParticipant
questions? Services Monday-Friday
bearing account or standard mutual fund
access tolineup.
more Savvy
than 8,500 mutual funds, Contact
6:00WEX Customer
a.m. Service,
to 9:00 p.m. (Central Time).
investors may opt for astocks,
Health and
Monday through Friday from 5:00
bonds. Savings Brokerage Account powered by 866-451-3399
am to 8:00 pm MST 866-451-3399.
Charles Schwab, giving you access to more
than 8,500 mutual funds, stocks, and bonds.
Deviating from our usual activities, we
decided to take the team to a
snowboarding retreat this year.
page 02
14 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTBenefits Mobile App
Access your benefits anytime, anywhere
Access your benefits on the go 24/7 with the Benefits Mobile App by Discovery Benefits. Our free app gives you
convenient, real-time access to all your WEX accounts in one spot. This makes it easy to use your hard-earned
dollars and view recent account activity without ever needing to call in.
The Benefits Mobile App keeps your benefits always within reach. Want to know the status of a recent claim or
easily check the balance of your accounts? Log in to our secure app to get answers to those questions and so many
more — wherever and whenever you want. With our Benefits Mobile App, you can:
Get instant updates on the status of your claims.
File a claim and upload documentation in seconds using your
Security on the go
phone’s camera.
Our mobile apps use
secure encryption and
won’t store pictures on
Report a card as lost or stolen, which cancels the card and ships
your phone, keeping your
you a new one.
documentation safe and
secure.
Log in through face recognition or fingerprint (depending on your
phone).
Check your balance and view account activity.
Use your benefits debit card directly from your mobile phone with
Apple Pay or Samsung Pay.
Scan an item’s bar code to determine if it’s an IRS code section
213(d) eligible expense.
Reset login credentials.
Download the app for free on Apple and Android smartphones and tablets
Simplifying benefits for everyone. www.DiscoveryBenefits.com
002
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 15MAY 1 - MAY 31, 2022
Flexible Spending Account
Is it Right for You?
*This selection does not rollover year to year.
You must re-enroll annually.*
Flexible Spending Accounts (FSA) are elected, it cannot be changed during the plan
administered through WEX. You can enroll in an year (July 1 - June 30).
FSA during the open enrollment process then
The current maximum amount you may set
WEX will send you an email with instructions
aside for health care expenses is $2,850.
on how to access your FSA account online.
The dependent care maximum amount is
Cost for an FSA is now $2.85 per month and $5,000 for individuals or married couples filing
there is no added fee for a debit card. jointly or $2500 for a married person filing
separately.
There are two flexible spending account
options. The first is a health care flexible To participate, you must sign up ANNUALLY
spending account (HCFSA), used for health online during open enrollment. To enroll, follow
care expenses. The second is a dependent care the instructions on page 5 of this booklet.
flexible spending account (DCFSA), used for Remember that the money you set aside in your
child and elder care. FSA must be used within the same plan year. If
you are participating in a health savings account
You may contribute pre-taxed earnings to an
(HSA) you may not participate in health care
FSA which can result in substantial tax savings.
flex spending; however, you may participate in
Enrollment in an FSA is an annual election and
dependent care flex spending. Those who enroll
must be completed each year during open
in a DCFSA and an HSA will be issued one
enrollment. Once the contribution amount is
debit card, so no need to keep track of multiple
cards.
HEALTH AND DEPENDENT CARE FLEX SPENDING: Expenses may be incurred from July 1,
2022 through September 15, 2023. Medical and dependent care receipts must be submitted for
reimbursement by December 15, 2023.
Zurich® Supplemental Accidental
Death & Dismemberment Insurance
All benefited employees have an Accidental and personal assistance when you are 10 or
Death & Dismemberment (AD&D) insurance more miles from home. To sign up, complete
policy through The Hartford equal to 1x your the open enrollment process in ServiceNow.
salary.
During open enrollment, you may purchase
AD&D insurance from Zurich®.
If you purchase supplemental AD&D insurance
from Zurich®, you will also have access to travel
assistance insurance that offers medical, legal,
16 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTMAY 1 - MAY 31, 2022
The Hartford - Life & Disability Insurances
NOTE: No action is required unless you would like to make changes.
During open enrollment, The Hartford will email TO ACCESS BENSELECT VISIT:
you a link to login to review or change your THEHARTFORD.COM/BENEFITS/ENROLL.
current Life and Disability Insurance elections Your user ID and password are detailed below. If
and add or change beneficiaries. you need assistance, a representative from The
SUPPLEMENTAL LIFE INSURANCE: If you Hartford is available to help with any questions:
are currently enrolled in this coverage, you (855) 396-7655
may increase your current coverage by one (Monday through Friday, 6:00 am to 6:00 pm MDT)
increment of $10,000, up to the guarantee User ID
issue amount without providing evidence of Your Utah State University user ID is your Employee
insurability. Additional coverage amounts will A-number.
require evidence of insurability. If you are not For example: John Smith’s Employee ID number is
currently enrolled, evidence of insurability will A00123456. His username is A00123456.
be required for any amount.
Password
SHORT-TERM DISABILITY (STD) INSURANCE: Your password is the first letter of your first name
If you have not already purchased short-term and the first letter of your last name followed by your
disability insurance, you can enroll during this date of birth (MMDDYYYY).
enrollment period. You will be required to provide For example: John Smith’s birth date is February
evidence of insurability. This plan can protect 25,1963. His password is js02251963.
your income if you experience a short-term Your password is case sensitive. Therefore you will
disability. need to use lowercase initials. You will be required
to reset your password during your initial login.
BENEFICIARY INFORMATION: This is a good
time to check beneficiary information on your
life insurance policies and other benefits.
THE HARTFORD BENSELECT PORTAL: During
the enrollment period, you can access The
Hartford BenSelect portal via Service Now
to review Life and STD insurance elections
for you and your covered dependents; add
supplemental life insurances for you, your
spouse, and/or children; add short-term
disability insurance if you do not already have
it; and confirm, add, or update your beneficiary
information.
PREMIUMS:
Can be found at hr.usu.edu > benefits > life
insurance rates and premiums.
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 17MAY 1 - MAY 31, 2022
EyeMed Supplemental Vision
Insurance
Your medical insurance through Regence BCBS Coverage includes:
covers one preventative eye exam per plan
• $130 allowance per person for lenses or
year. If you wear glasses or contacts, you can
contacts every 12 months.
elect to receive supplemental vision insurance
through EyeMed. EyeMed offers five of the • $130 allowance per person for frames every
top six most admired national retail chains as 12 months.
in-network options including LensCrafters, Monthly Premium Rates
Sears Optical, Target Optical, JCPenney Optical, Single $ 6.03
and most Pearle Vision locations. Additionally, Two Party $ 11.46
EyeMed coverage provides discounts on Laser Family $ 16.89
Vision Correction (LASIK or PRK), and discounts
on hearing care from Ampilifon hearing
network.
Please visit eyemed.com or call (866) 804-0982 for more information.
Employee Wellness at USU - Be Well
The goal of the USU Employee Wellness Pro- • Be Well library
gram, Be Well, is to support and enhance the • Healthy tips & tidbits
health and wellness of employees and their
families by building partnerships and programs. WELLNESS PROGRAMS
We encourage employees to adopt and sustain • Health risk assessments
• Health screenings, expos & flu shots
healthy lifestyle behaviors that support a work/life
• Wellness challenges
balance, increase work satisfaction, and reduce
• Wellness ambassadors
health care costs. We are striving to create a • Be Well newsletter
culture of wellness at USU.
Many services are offered at no charge. For more USU’s Be Well Rewards
details, please visit our website wellness.usu.edu,
call (435) 797-8391, or email BeWell@usu.edu. Program
FITNESS PROGRAMS USU’s Be Well Rewards is an exciting incentive
• Fitness assessments program that rewards employees for taking an
• Fitness classes active role in their personal well-being. Through
• Personal training USU’s Be Well Rewards program, all benefit
• Tuition free course auditing eligible employees can earn cash rewards fall
• Employee Wellness Center and spring semesters. For more information
• Fitness challenges and to register, please visit the USU Be Well
Rewards website at wellness.usu.edu/
NUTRITION PROGRAMS rewards.
• Nutrition consultations
• Nutritional information/tips
18 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTMAY 1 - MAY 31, 2022
MetLife Legal Plans
With MetLife Legal Plans you have access to You may apply for MetLife Legal Plans during the
a network of attorneys on retainer for a low open enrollment period, May 1 – May 31, 2022.
monthly premium of $21.25 paid via payroll Once enrolled, you will be required to remain in
deduction. You will have access to legal services the plan for the full benefit plan year. If you are
and representation from local attorneys on a already enrolled in the plan, your coverage will
wide range of matters including wills and estate automatically renew unless you call during open
planning, financial matters, real estate, traffic enrollment to cancel. To enroll, please complete
offenses (DUI not included), and more. the open enrollment process in Service Now.
You will remain in this benefit until you waive the
There are no co-pays or deductibles. For
benefit during an open enrollment period.
example, you can have a local attorney prepare
full estate planning documents for you and your
spouse for just $21.25 per month.
USU’s plan covers the following categories:
• Family Law • Real Estate • Debt Matters
• Wills and Estates • Traffic and Criminal • Injury and Insurance
For specific services within these categories, please call 1-800-821-6400 or visit
hr.usu.edu > benefits > voluntary benefits > MetLife Legal Plans.
New for 2022: The plan will now include the Parents Plus Program, which allows for up to 8 parents
to have access to over 20 of the services included under the existing MetLife Legal Plan including:
• Identity Management Services
• Assistance with deeds and mortgages
• Estate Planning: codicils, complex wills, healthcare proxies, living wills, powers of attorney, simple wills
• Affidavits, demand letters, review of any personal legal documents
• Elder-Care Issues: Medicaid, Medicare, nursing home agreements.
NOTE: By participating in the MetLife Legal Plans, you are eligible for an additional discount on Farm-
ers auto insurance of up to 10%. If you are currently enrolled, you will need to call Farmers to have
this additional discount applied.
To access MetLife Legal services:
Phone: (800) 821-6400
Access Code: 49400010
If you are enrolled in MetLife Legal Plans, the Membership ID is the last 4 digits of your
social security number.
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 19ENROLL ANYTIME
Farmers Auto and Home Insurance
With one call, you can receive quotes from • Receive discounts for having a good
two leading insurance companies, Farmers and driving record and driving a safe car.
Safeco, for top quality auto and home insurance
Since everyone’s insurance policies renew at
with special discounts.
different times during the year, you may apply
In addition to special discounts and flexible for auto and home insurance through this group
payment options, find out how you can: program at any time by calling (800) 438-6381.
• Save more when you insure multiple
cars or purchase both home and auto
policies.
• Choose from convenient and affordable
payment options, including payroll
deduction for employees.
Retirement Plans Open enrollment
Employer-Funded is a good time to
check beneficiary
Retirement Plans information on your
Preparing for retirement is one of the biggest
retirement plans. Log
financial challenges you will face. USU offers in to the appropriate
employer-funded and employee-funded vendor’s website
retirement plans. USU’s retirement plans today to review
through TIAA, Fidelity, and Utah Retirement beneficiaries and
Systems (URS) are a great foundation to save make changes.
for retirement. Your plan eligibility depends on
prior enrollment.
For new employees or rehired employees
who were not previously enrolled in URS
while working for USU, USU will contribute
14.2% of your base earnings into a retirement
account called a 401(a) plan. This is an employer
contribution only plan, so all funds contributed
come from the university. You may choose to
have your account administered by either TIAA
or Fidelity, or a combination of both.
If you previously worked for USU and were
enrolled in URS while working for the
university, you must remain in URS. If you were
enrolled in URS with another employer, you
have the option to either enroll with URS, TIAA
or Fidelity.
20 2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENTENROLL ANYTIME
Retirement Plans (continued)
Employee-Funded Retirement Plans
Employees may contribute to supplemental retirement plans via payroll deduction.
The following five supplemental plans are available:
403(b) Roth 403(b)
• Contributions are made pre-tax (this • Contributions are made post-tax.
reduces an employee’s taxable income).
• Current maximum annual contribution
• Current maximum annual contribution limit is $20,500, or $27,000 if age
limit is $20,500, or $27,000 if age 50 50 or older.
or older.
• Withdrawals can be made without
• Withdrawals can be made without penalty at age 59 ½ and after the 5th year
penalty at age 59 ½. Withdrawals are of your 1st contribution.
subject to taxes.
• Some withdrawals prior to age 59 ½ are
• Withdrawals prior to age 59 ½ are subject to a 10% penalty.
subject to a 10% penalty and taxes.
Roth 457(b)
457(b) • Contributions are made post-tax.
• Contributions are made pre-tax (this
• Current maximum annual contributions
reduces an employee’s taxable income).
limit is $20,500, or $27,000 if age
• Current maximum annual contribution 50 or older.
limit is $20,500, or $27,000 if age 50
• Withdrawals can be made without
or older.
penalty at age 59 ½ and after the 5th
• Withdrawals can be made upon year of your 1st contribution.
termination.
• Some withdrawals prior to age 59 ½ are
subject to a 10% penalty.
401(k)
• Contributions are made pre-tax (this
reduces an employee’s taxable income).
• Current maximum annual contribution
limit is $20,500, or $27,000 if age
50 or older.
• Withdrawals can be made without
penalty at age 59 ½. Withdrawals
are subject to taxes.
• Withdrawals prior to age 59 ½ are
subject to a 10% penalty and taxes.
Employee retirement contribution forms and links
for online enrollment are available at:
hr.usu.edu > Benefits > Retirement
2022-2023 EMPLOYEE BENEFITS & OPEN ENROLLMENT 21You can also read
