2022 Benefits Guide - for Health Affiliates - University of ...
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2022 Benefits Guide for Health Affiliates
Table of contents
Table of contents ..................................................................................................................................................................... 1
Welcome to your guide ........................................................................................................................................................... 2
Healthy Savings Plan .............................................................................................................................................................. 3
Health Savings Account .......................................................................................................................................................... 4
Custom Network Plan ............................................................................................................................................................. 5
Flexible Spending Accounts .................................................................................................................................................... 7
Premiums ................................................................................................................................................................................ 8
Dental .................................................................................................................................................................................... 10
Vision..................................................................................................................................................................................... 11
Life, Long Term Disability and Accidental Death & Dismemberment .................................................................................. 12
Enroll in myHR ...................................................................................................................................................................... 13
After You Enroll ..................................................................................................................................................................... 14
This guide provides a summary of various plans included in the University of Missouri System benefit program effective January 1,
2022. Summary Plan Descriptions (SPDs) for each plan described herein can be found on the UM System website. At the time of
printing, SPDs on the website pertain to the 2021 plan year; SPDs for the 2022 plan year will be available in early 2022. Information in
the 2022 SPD for each plan will vary from the information in the 2021 SPDs, therefore, the 2021 SPDs should not be relied upon to
determine plan benefits effective January 1, 2022.
The SPD serves as both the Plan document and the SPD. In the event of a discrepancy between this guide and the SPD, the SPD will
govern in every instance. The University of Missouri System reserves the right to change or terminate the benefits program, individual
plans or provisions at any time.
1Welcome to your guide
Welcome to your 2022 University of Missouri (UM) System Benefits Guide. Because health care needs are personal and
important, we want to support you in finding insurance plans that work for your situation. Benefits provide an important
financial protection when you need it most, and this document can help you understand the plans, as well as many other
benefits, available to you. Review this guide so you can make the choice that’s best for you and your family in the year
ahead.
Please note, you must submit a medical insurance choice during your enrollment period.
• If you are newly benefit-eligible, you must take action during your initial enrollment period, even if your decision is
to waive coverage for one or all of the plans offered. If you fail to do so, you will default to the self-only coverage
level for the Healthy Savings Plan and pay taxes on your premiums.
• If you are a current employee, Annual Enrollment provides an opportunity to review and change your benefits for
the upcoming calendar year. If you do not make changes to your elections, your current enrollments will continue
into the new calendar year, with the exception of Flexible Spending Accounts (FSAs). You must re-enroll in health
care and dependent care FSAs each year.
About the 2022 plans
• Every medical plan covers 100% of qualified in-network preventive care.
• UnitedHealthcare administers all medical plans, with prescription drug benefits managed by Express Scripts.
• For those in the Columbia area, you may fill prescriptions at a Mizzou pharmacy for the same cost as mail-order
prescriptions.
• Each plan features a single premium for each enrollee group (self, self and spouse, self and child(ren) or self,
spouse and child(ren)).
• If you are adding new dependents to your benefit plans, you will need to provide Proof of Relationship within the
required time frame. Learn more at umurl.us/proof.
3
2
3Healthy Savings Plan
The Healthy Savings Plan is coupled with a Health Savings Account (HSA). Your employer makes an annual contribution
to help increase your savings for qualified health care expenses.
About the Plan
• You pay the full cost of medical services and prescription drugs until you reach your annual deductible.
• The price of in-network medical services and prescription drugs are discounted. You pay the total of that
discounted price until the deductible is met.
• After you meet the deductible, you’ll pay 15% of the cost of covered in-network medical services and prescription
drugs up to the out-of-pocket limit (comprised of deductibles, coinsurance and prescription drug charges).
• Once the annual out-of-pocket limit is met, the plan will pay 100% of covered services and prescription drugs for
the rest of the year.
• The deductible for the Healthy Savings Plan combines medical services and prescription drug expenses, rather
than having one deductible for each. Similarly, the out-of-pocket limit combines medical and prescription
expenses.
• You may be eligible for a Dependent Care Flexible Spending Account (FSA), but not a Health Care FSA since
you have access to an HSA.
• For those in the Columbia area, 90-day fills/refills are available at Mizzou pharmacies at the same cost as mail-
order. Participants may fill specialty medications through a Mizzou Specialty Pharmacy
(www.muhealth.org/specialty-pharmacy) or Accredo.
• Visit umurl.us/benadmin to access provider directories for each plan. Healthy Savings Plan information is listed
under “Medical.”
• Virtual Visits allow you to connect with a doctor via video on your mobile device, tablet or computer without an
appointment, any time. Learn more at umurl.us/virtualvis.
Healthy Savings Plan- What you pay for covered expenses
(Premiums are not listed in this chart. Refer to the premiums list.)
In-network Out-of-network***
Combined medical and prescription
$1,750/self; $3,500/family* $3,500/self; $7,000/family*
deductible
Coinsurance 15% after deductible 35% or more after deductible
Preventive care $0 35% or more after deductible
Primary care 15% after deductible 35% or more after deductible
Specialist care 15% after deductible 35% or more after deductible
Urgent care 15% after deductible 35% or more after deductible
Lab and x-ray 15% after deductible 35% or more after deductible
Outpatient care 15% after deductible 35% or more after deductible
Inpatient care
15% after deductible 35% or more after deductible
(includes maternity delivery)
Durable medical equipment 15% after deductible 35% or more after deductible
Emergency room care 15% after deductible 15% or more after deductible
Ambulance 15% after deductible 15% or more after deductible
Prescription drug: retail 15% after deductible 35% or more after deductible
Prescription drug: mail** 15% after deductible 35% or more after deductible
Combined medical and prescription $3,500/self $7,000/self
out-of-pocket limit $7,000/family* $14,000/family*
* Only the individual or family amount must be satisfied, based on whether you choose self or family coverage.
** 90-day fill/refill at Mizzou pharmacies at same cost as mail-order.
*** Please refer to the Summary Plan Description (SPD) for additional details on allowable/eligible expenses when
using an out-of-network provider.
3Health Savings Account
If you enroll in the Healthy Savings Plan, you may be eligible to sign up for a Health Savings Account (HSA) through
Optum Bank to help cover your health care expenses. To be eligible:
• You must be covered by a qualified high-deductible health plan (UM Healthy Savings Plan) on the first day of the
month.
• You may not be covered by another health plan (including any part of Medicare).
• You may not be claimed as a dependent on someone else’s tax return.
• You or your spouse may not be enrolled in a general purpose Health Care Flexible Spending Account.
Getting funds into the account
• Your employer’s annual contribution appears as a lump sum within 45 days of enrollment in most cases. For
elections made during Annual Enrollment, your funds will appear by the end of January. These funds count
toward the IRS annual maximum savings allowed for your coverage level*, and the amount contributed depends
on what time of year you enroll.
o If you are switching from a Health Care Flexible Spending Account (FSA) in 2021 to an HSA in 2022, your
2021 FSA must have a zero balance by December 31, 2021, or it will delay contributions to your HSA
until April 1, 2022.
o You can contribute pre-tax money to the account up to the IRS maximum, although this is not required to
receive your employer’s contribution. You can change your contributions at any time.
• The IRS contribution limits for Health Savings Account contributions are $3,650/self and $7,300/family.
o Remember to reduce your own election by the amount the University will contribute to your account to
avoid exceeding the limit. If you are married, and your spouse is also contributing to an HSA, the total
amount contributed between the two of you (including employer contributions) cannot exceed the family
limit. For more details please refer to http://umurl.us/HSA.
Spending funds from the account
• You’ll receive a debit card for your HSA that you can use when paying for eligible expenses, and you can request
additional cards for family members.
• You can manage your HSA online to track and pay expenses.
• If you don’t use the entire HSA balance during the calendar year, the money will roll over for use in future years.
• If you switch health plans in future years or leave your job, all of the HSA money goes with you as yours to keep,
including the contributions by your employer (but you may need to pay a monthly fee on the account).
Employer contribution (by coverage level*):
• Self: $400
• Self and spouse: $800
• Self and child(ren): $800
• Self, spouse and child(ren): $1,200
*Contribution is prorated for enrollment after the first quarter. A change in coverage level during the plan year will not
result in additional employer contributions.
Visit umurl.us/hsa for additional information on HSAs.
Note
If you are newly enrolled in the Healthy Savings Plan and chose to open a Health Savings Account, Optum Bank will send
a welcome packet to your home address. In some cases, you may be required to submit additional information to
establish your HSA.
4Custom Network Plan
The Custom Network Plan gives you a focused, narrow network of health care providers who are working to improve the
quality of your care and share savings and efficiencies with you when you stay in-network. A narrow network offers a
smaller pool of in-network providers in exchange for decreased premium or service costs.
About the plan
• There are separate deductibles for in-network services and retail prescription drugs.
• Once you meet your annual out-of-pocket limit, the plan will pay 100% of eligible coinsurance and copayment
expenses for the rest of the calendar year.
• You may enroll in two types of Flexible Spending Accounts (FSA): Health Care FSA and Dependent Care FSA.
These accounts help you pay for medical or child care using pre-tax dollars; eligible expenses differ between the
types.
• Your focused network consists primarily of providers affiliated with University of Missouri Health Care (MUHC),
allowing you to take advantage of MUHC’s special services such as:
o Virtual Visits: Connect with a doctor via video on your mobile device, tablet or computer for a $15 copay.
Learn more at umurl.us/virtualvis.
o Mizzou Doc Fast Pass: Establish care with in-network primary care physicians/specialists or schedule
same or next-day primary care by calling (573) 884-0432.
o Mizzou Quick Care: Visit an in-network quick care clinic for $15. Learn more at umurl.us/muquick.
o HEALTHConnect: A patient portal that connects you to MUHC’s providers and medical services.
• Mizzou pharmacy is the preferred network pharmacy for retail and 90-day prescriptions, but members have
access to Express Scripts’ nationwide network. Participants may fill specialty medications through a Mizzou
Specialty Pharmacy (www.muhealth.org/specialty-pharmacy) or Accredo.
Note
Visit umurl.us/benadmin to access provider directories for each plan. For medical insurance plans, navigate to “Medical”
on the list and click “find a doctor” under the bullet point labelled “Provider directory.”
5Custom Network Plan- What you pay for covered expenses
(Premiums are not listed in this chart. Refer to the premiums list.)
In-network Out-of-network***
Medical deductible $200/self; $600 family* $1,500/self; $4,500/family*
Prescription deductible Retail: $50/person; Mail-order: $0/person
Coinsurance 10% 50% or more after deductible
Preventive care $0 50% or more after deductible
Primary care $15 copay/visit 50% or more after deductible
Specialist care $40 copay/visit 50% or more after deductible
Urgent care $50 copay/visit $50 copay/visit or more
Lab and x-ray**** $5 (basic) / $100 (advanced) 50% or more after deductible
Outpatient care 10% after deductible 50% or more after deductible
Inpatient care
10% after deductible 50% or more after deductible
(includes maternity delivery)
Durable medical equipment 10% after deductible 50% or more after deductible
Emergency room care $250 copay/visit after deductible $250 copay/visit or more
Ambulance $200 copay/occurrence after deductible $200 copay/occurrence or more
Prescription drug: retail Greater of (after Rx deductible): Greater of (after Rx deductible):
--Formulary generic --$7 copay or 20% coinsurance $30 copay or 50% network costs (member will pay
--Formulary brand --$15 copay or 25% coinsurance difference between the non-participating and
--Non-formulary brand --$30 copay or 50% coinsurance participating pharmacy charge.)
Prescription drug: mail** Greater of (after Rx deductible): Greater of:
$30 copay or 50% network costs after annual
--Formulary generic --$15 copay or 20% coinsurance
deductible (member will pay difference between the
--Formulary brand --$30 copay or 25% coinsurance
non-participating and participating pharmacy
--Non-formulary brand --$60 copay or 50% coinsurance
charge.)
$3,500/self; $10,500 or more/self;
Medical out-of-pocket limit
$7,000/family* $21,000 or more/family*
Prescription out-of-pocket
$5,200/self; $10,400/family*
limit
* “Self” amounts must be satisfied for all individuals covered until the family deductible is met.
** 90-day fill/refill at Mizzou pharmacies at same cost as mail-order.
***Please refer to the Summary Plan Description for additional details on allowable/eligible expenses when using an
out-of-network provider.
**** For lab and x-ray services, “Basic” includes services such as x-ray, bloodwork, lipid panel, etc. “Advanced”
includes services such as CT scan, PET scan, MRI, etc.
6Flexible Spending Accounts
Both a Health Care Flexible Spending Account (FSA) and a Dependent Care FSA may be available to you depending on
your medical enrollment choices. You do not need to enroll in a medical plan to be eligible for a Health Care FSA;
however, you cannot enroll if you (and/or your spouse) currently participate in a Health Savings Account (HSA). Any
benefit-eligible employee can enroll in the Dependent Care FSA regardless of medical plan enrollment. ASIFlex
(asiflex.com) administers both kinds of FSA. More information about FSAs is available online at umurl.us/fsa.
About Health Care FSAs
The Health Care FSA is an account that allows you to set aside pre-tax dollars to pay for out-of-pocket medical expenses.
Use your FSA to reimburse health care expenses for you, your spouse or any tax dependent, even if your dependents are
not enrolled in your UM medical, dental or vision plans. You may elect to use an ASIFlex debit card when making
purchases with your Health Care FSA, providing flexibility and convenience.
About Dependent Care FSAs
The Dependent Care FSA allows you to use pre-tax dollars to pay for out-of-pocket childcare and/or elder care dependent
expenses. A difference from the Health Care FSA is that any benefit-eligible faculty or staff member — regardless of the
medical plan they are enrolled in — may also use a Dependent Care FSA for child/day care expenses. You must enroll in
a Dependent Care FSA separately from a Health Care FSA.
Eligible expenses include day care, babysitting, general-purpose day camps and pre-K expenses. Ineligible expenses
include overnight camps; care provided by your tax dependent, your spouse or your child who is under the age of 19; and
care provided while you are not at work.
Getting funds into the account
• You must enroll each year you wish to have an FSA (elections do not carry over from year to year).
• You can contribute your own pre-tax money to the FSA account automatically through payroll deductions (up to
the IRS maximum).
Spending funds from the account
• If you are a new Health Care FSA enrollee, you will receive a welcome packet that provides instructions for
applying for an ASIFlex debit card to pay for eligible expenses. Additional cards for other family members can be
requested. You will still be able to submit claims for reimbursement online, by fax or mail.
• If you enroll in a Health Care FSA, your full annual election is available to you on your first day of coverage and
you can submit reimbursement requests for eligible expenses immediately even though the money you set aside
is deducted from each paycheck over the course of the year.
Contribution limits:
• Health Care FSA: $2,750
• Dependent Care FSA: $5,000 per household
Facts and tips
• If you do not use all your contributions within the plan year, you forfeit any money left in your account at the end of
the year (no rollover). However, the Health Care and Dependent Care FSAs have a 2.5-month grace period,
allowing additional time to spend your funds.
• If you leave your employer, you are no longer eligible for the FSA, and remaining funds in your account can only
be used for eligible expenses incurred while you were enrolled in the plan.
For newly benefit-eligible
• After the plan year begins, if you are newly benefit-eligible on any day other than the first of the month, coverage
in the Health Care FSA and/ or Dependent Care FSA will not begin until the first day of the following month.
Did you know?
You can manage your FSA online and instantly track expenses and account balances through the ASIFlex website.
7Premiums
Monthly premiums are deducted during the month of coverage. Employees who are paid bi-weekly will have half the monthly
premium deducted from their first two bi-weekly paychecks of the month.
Healthy Savings Plan
Coverage level Employee Cost UM Cost Total
Self only $58 $385 $443
Self and spouse $164 $802 $966
Self and child(ren) $141 $783 $924
Self, spouse, & child(ren) $273 $1,232 $1,505
Custom Network Plan
Coverage level Employee Cost UM Cost Total
Self only $84 $461 $545
Self and spouse $236 $951 $1,187
Self and child(ren) $212 $924 $1,136
Self, spouse, & child(ren) $383 $1,467 $1,850
Dental Vision
Employee UM Employee UM
Coverage level Total Coverage level Total
cost cost cost cost
Self only $14.76 $14.76 $29.52 Self only $5.59 $0 $5.59
Self and spouse $29.52 $29.52 $59.04 Self and spouse $11.15 $0 $11.15
Self and child(ren) $35.82 $35.82 $71.64 Self and child(ren) $12.17 $0 $12.17
Self, spouse, & child(ren) $50.58 $50.58 $101.16 Self, spouse, & child(ren) $19.26 $0 $19.26
Long Term Disability* Basic Life*
(per $100 of covered monthly salary) (per $1,000 of coverage)
Coverage level Employee cost UM cost Total Coverage level Employee cost UM cost Total
LTD A (Core) $0.00 $0.136 $0.136 Option A $0 $0.046 $0.046
LTD B (Buy-up) $0.14 $0.136 $0.276 Option B $0.022 $0.046 $0.068
Accidental Death & Dismemberment Dependent Life- Child (per amount listed)
Coverage amount Self Self and dependents Coverage amount
$25,000 $0.35 $0.50 $5,000 $0.32
$50,000 $0.70 $1.00 $10,000 $0.64
$75,000 $1.05 $1.50 $15,000 $0.96
$100,000 $1.40 $2.00 $20,000 $1.28
$125,000 $1.75 $2.50
$25,000 $1.60
$150,000 $2.10 $3.00
* Evidence of Insurability (EOI) may be required. Learn more about EOI at umurl.us/life.
8Dependent Life- Spouse/ Additional Life*
Sponsored Adult Dependent* (per $1,000 of coverage)
(per $1,000 of coverage)
Age as of January 1 Amount Age as of January 1 Amount
< 30 $0.064 < 25 $0.05
30 – 34 $0.073 25 – 29 $0.06
35 – 39 $0.10 30 – 34 $0.08
40 – 44 $0.155 35 – 39 $0.09
45 – 49 $0.228 40 – 44 $0.10
50 – 54 $0.346 45 – 49 $0.15
55 – 59 $0.537 50 – 54 $0.23
60 – 64 $0.837 55 – 59 $0.43
65 – 69 $1.32 60 – 64 $0.66
70 – 74 $2.11 65 – 69 $1.27
75 – 79 $3.449 70 – 74 $2.06 - $2.76
80 – 84 $5.36 75 – 79 $3.04 - $4.35
85 – 89 $8.399 80 – 84 $4.74 - $6.87
90+ $12.977 85 – 89 $7.53 - $10.43
Coverage amounts: $10,000, $20,000, $30,000, $40,000, $50,000 90 – 94+ $11.24 - $16.02
* Evidence of Insurability (EOI) may be required. Learn more about EOI at umurl.us/life.
9Dental
Dental insurance is administered by Delta Dental. Coverage is offered for three classes of reasonable and customary
expenses: preventive, basic and major services. Dental coverage has a maximum annual benefit of $1,500 for each
individual enrolled under the plan. This cap is for covered preventive, basic and major dental care combined. Learn more
about dental insurance at umurl.us/dental.
About the network
The dental plan utilizes a passive network, which means you have the ability to receive services from network or non-
network providers. No matter your provider, your deductible and coinsurance remain the same as long as charges are
reasonable and customary. However, Delta Dental’s in-network providers have agreed to charge negotiated rates for
specific services, so using either of Delta Dental’s two networks, PPO or Premier, may help you achieve more affordable
services. Of the two networks, the Delta Dental PPO Network offers the lowest negotiated services, often resulting in the
greatest savings.
Visit umurl.us/benadmin to access provider directories for each plan. Dental plan information is listed under “Dental.”
Note: The services listed here describe eligible dental expenses; orthodontics is not an eligible expense.
Reimbursements are limited to fees determined to be reasonable and customary.
Dental
Services and coverage (Premiums are not listed in this chart. Refer to the premiums list.)
Class A services 100%
Preventive care for routine oral exams, cleaning, x-rays, sealants and fluoride no deductible
Class B services 80% after
Basic care for treatments such as fillings, oral surgery and extractions annual deductible
Class C services 50% after
Major treatment such as bridgework, dentures and crowns annual deductible
Dental
Deductible by coverage level
Self $100
Self, spouse and/or child(ren) $300
10Vision
Vision insurance is administered by EyeMed Vision Care (EyeMed) and utilizes the Insight network. The plan provides a
discounted group rate; that discounted group rate is available at all locations where EyeMed is accepted. The plan does
not have a deductible. The premiums are 100% paid by you.
Visit umurl.us/benadmin to access provider directories for each plan. Vision plan information is listed under “Vision.”
The plan offers coverage for a number of eye-care expenses, some of which are outlined in the table below. Charges on
amounts over the indicated limits or on optional features are discounted. Learn more about Vision Insurance at
umurl.us/vision.
Vision
Services and in-network coverage (Premiums are not listed in this chart. Refer to the premiums list.)
Eye Exam
$10 copay
(with dilation as necessary)
Frames
(any available frame at provider $0 copay; $140 allowance, 20% off balance over $140
location)
Contact lens fitting and follow-up Standard: Up to $40 maximum; Premium: 10% off retail
Conventional: $0 copay, $140 allowance, 15% off balance over $140
Contact Lenses Disposable: $0 copay, $140 allowance, plus balance over $140
(allowance includes materials only) Medically necessary: $0 copay, paid-in-full
Single Vision: $25 copay
Bifocal: $25 copay
Trifocal: $25 copay
Lenticular: $25 copay
Standard Plastic Lenses Standard Progressive: $80 copay
Premium Progressive Tier 1: $100 copay
Premium Progressive Tier 2: $110 copay
Premium Progressive Tier 3: $125 copay
Premium Progressive Tier 4: $80 copay, 20% off retail less $120 allowance
Covered Lens Options
(Standard polycarbonate – under age $0 copay
19)
Vision
Frequency of services
Examination Once every 12 months
Lenses (in lieu of contact lenses) Once every 12 months
Contact Lenses (in lieu of lenses) Once every 12 months
Frames Once every 24 months
Did you know?
EyeMed offers a discount option to those who aren’t enrolled in the plan but want to take care of their eye health. More
information can be found by visiting umurl.us/healthtool. EyeMed members have access to hearing care discounts
through Amplifon. Call (877) 203-0675 to find a provider and activate your discount.
11Life, Long Term Disability and
Accidental Death & Dismemberment
Employees have several options for life insurance to help give peace of mind. The Basic Life Plan A plan is available at no
cost to you and the University subsidizes Basic Life Plan B. Other life insurance plan options are also available — the
University does not subsidize premiums for these plans, but negotiates to offer them at a reduced cost. The Long Term
Disability Core Plan (Option A) is also available at no cost to you and University subsidizes the Buy-up plan (Option B).
Unum administers all Life, Long Term Disability and Accidental Death and Dismemberment insurance options.
Life
• Basic Life: You are automatically enrolled in Plan A of the Basic Life Plan because it is 100% employer paid. You
may opt out of this coverage if you wish. Plan A covers 1x your base salary. Plan B covers 2x your base salary.
With both plans, coverage amount begins to decrease once you reach age 55. Evidence of insurability is required
to increase your coverage level after 31 days of initial eligibility.
• Additional Life: You may enroll in coverage at 1x, 2x or 3x your annual base salary to a maximum of $1,000,000.
If you are newly benefit eligible, you may enroll in 1x coverage without providing Evidence of Insurability.
Evidence of insurability is required if you choose to enroll in or increase coverage after 31 days of initial eligibility.
• Dependent Life: For Spouse/Sponsored Adult Dependent life insurance, coverage is available in increments of
$10,000 up to a maximum of $50,000. For Dependent Child life insurance, coverage is available in increments of
$5,000 up to a maximum of $25,000. Evidence of insurability is required for amounts above $20,000 for
Spouse/Sponsored Adult Dependent and for any amount when a new election or change is made after 31 days of
initial eligibility. There are also limitations on adding or increasing coverage for a Spouse/Sponsored Adult
Dependent who meets the definition of “Totally Disabled” by the plan.
More information about life insurance is available online at umurl.us/life.
Long Term Disability
• Core Plan (Option A) - The Long Term Disability (LTD) Core Plan (Option A) is 100% paid by your employer,
and you are automatically enrolled. The Core Plan (Option A) covers up to 60% of eligible earnings. The
maximum annual base salary covered is $150,000. If you wish to opt out of this coverage, you must contact your
HR representative to complete a separate form.
• Buy-up Plan (Option B) - The Buy-up Plan (Option B) covers up to 66.67% of your eligible earnings for a small
premium (per $100 of monthly income). However, when combined with other deductible sources of income, this
option allows you to receive up to 85% of your eligible earnings (paying the lesser of 66.67% or 85% of monthly
earnings less any deductible sources of income).The maximum annual base salary covered is $150,000. If you
are newly benefit eligible, you will have the opportunity to enroll in the Buy-up Plan (Option B) without providing
evidence of insurability. Evidence of insurability is required if you choose to enroll in the Buy-up Plan (Option B)
after 31 days of initially becoming eligible.
In addition, some employees are eligible for Supplemental Individual Disability Insurance (IDI). If you are eligible, Unum
will contact you directly during a separate enrollment period each year; you will not enroll in this plan during the regular
Annual Enrollment period. IDI is a completely voluntary plan offered to highly compensated employees. It can help replace
up to 75% of your income if you have a covered disabling illness or injury.
More information about Long Term Disability coverage is available online at umurl.us/LTD.
Accidental Death and Dismemberment
Accidental Death and Dismemberment (AD&D) insurance is available in increments of $25,000 up to a maximum of
$150,000. You may also purchase coverage for your family as a percentage of your own coverage. The plan is 100% paid
by you. Learn more by visiting umurl.us/add.
Facts and tips
Premiums for additional and spouse/sponsored adult dependent life coverage vary by age. Premiums for Accidental
Death and Dismemberment coverage vary by coverage amount and coverage level. Review premiums specific to your
situation by accessing the premiums chart in this guide.
If you are not actively at work due to an illness or injury on the date your Basic Life, Additional Life or Long-Term Disability
coverage would otherwise begin or increase, the change will not be effective until you return to full-time active
employment.
12Enroll in myHR
Once you’ve decided which insurance plans are best for you, enroll through myHR (myhr.umsystem.edu). If you are a
newly benefit-eligible employee, you must take action during your initial enrollment period, even if your decision is to
waive coverage for one or all of the plans offered. If you fail to do so, you will default to self-only coverage in the Healthy
Savings Plan and pay taxes on your premiums.
If you are a current employee, Annual Enrollment provides you an opportunity to review and change your benefits for the
following calendar year. Review your current benefit plan elections in myHR, including enrolled dependents and
designated beneficiaries, and make changes as necessary during the Annual Enrollment period. If you do not make
changes to your elections, your current enrollments will continue into the new calendar year with the exception of Flexible
Spending Accounts (FSAs). You must re-enroll in health care and dependent care FSAs each year.
Get ready
• Prepare to enroll dependents.
o New dependents: In myHR, you will need to specify any spouse, sponsored adult dependent or child you
want to cover in each plan. You’ll need names, dates of birth and Social Security numbers for anyone
who is not already entered as one of your dependents.
o Proof of relationship: Proof of Relationship (POR) is required in order to enroll new dependents. Once
your plan choices are submitted, don’t forget to submit POR supporting documentation (umurl.us/proof) to
your benefit representative within the required time frame. Your benefit representative’s contact
information is listed at the bottom of this page.
• Select pre-tax vs. after-tax elections. Where pre-tax is an option, you’ll also need to know whether you want to
enroll in a plan on a pre-tax or after-tax basis. Premiums are deducted from your paycheck automatically, and
selecting pre-tax or after-tax determines the order in which taxes and premiums are deducted. Learn more at
umurl.us/research.
Submit your choices
1. You can make plan changes only during your enrollment period.
2. You are not done with your enrollment until you click both the “Submit Enrollment” button as well as the “Done”
button on the pop-up screen.
3. Open your internet browser and navigate to myhr.umsystem.edu (Firefox or Chrome recommended). Log in with
your username and password. Click “Sign In.”
4. Click the “My Benefits” tile. Then, to access the self-service application, select “Benefits Enrollment” from the
menu on the left side of the screen.
5. Follow the instructions on your screen to select and submit your plan choices or waive coverage.
6. After you click the “Submit Enrollment” button, a “Benefits Alerts” pop-up will appear stating your enrollments have
been submitted. Click “Done.” An email confirmation will be sent to your university email account so you know
your submission was received.
7. Once your Confirmation Statement has been generated, you will receive another email to your university email
account with steps on how to view/print your Confirmation Statement.
o If you are a newly benefit-eligible faculty or staff member, your Confirmation Statement is usually
available within two business days.
o If you are a current faculty or staff member enrolling during Annual Enrollment, your Confirmation
Statement will be available in December.
Get help from your benefits representative
Tony Redlinger
Phone: (573) 884-1477
Email: redlingera@umsystem.edu
13After You Enroll
Watch the mail for important documents
• New ID cards. Make sure to show your provider your new card(s) at the time of service; benefits are effective
even if you haven’t received your cards yet.
o Medical/Prescription: You will receive a single ID card only if you are newly enrolled or have changed
plans.
o Dental: You will receive an ID card in the subscriber’s name only if you’re newly enrolled.
o Vision: You will receive an ID card in the subscriber’s name only if you’re newly enrolled.
• HSA paperwork. If you are newly enrolled in the Healthy Savings Plan and chose to open a Health Savings
Account, Optum Bank will send a welcome packet to your home address. In some cases, you may be required to
submit additional information to establish your HSA.
Make the most of your health insurance
Preventive services let you take charge of your health and stop problems before they start. If you enroll in medical
insurance, in-network preventive care is covered at 100%. Preventive care includes annual physical exams,
immunizations and well-child care that is unrelated to a medical diagnosis. There is a list of what is considered preventive
under Health Care Reform/ACA, and what will be covered at 100%, on healthcare.gov or uhc.com/health-and-
wellness/preventive-care.
With vision insurance, annual eye exams are offered with a small copay.
Generally speaking, if you’re enrolling in the dental plan, routine oral exams are covered completely, but it’s always a
good idea to check with your provider. Find in-network dentists in your area through Delta Dental.
Contact information for all insurance administrators is available at umurl.us/benadmin.
Choose the right type of care
Making an informed decision about your healthcare needs can save you time and money, but when you are ill or injured,
assessing your condition and choosing the best place to go for treatment isn’t easy. You have four care options, but each
is unique in the services it provides:
• Primary care physician: Visit your primary care physician when you have a non-life threatening condition during
regular hours of work week, or if you don’t need immediate attention. It’s always best to see your primary care
physician, since they know you and your health history. Examples include persistent cough, sore throat or rash.
• Convenience care clinic: When you experience symptoms as noted above, but it’s after hours or on a weekend,
a convenience care clinic can be a good option. Convenience care clinics are typically available in local retail or
drug stores and usually have extended hours on weekdays and weekends.
• Virtual visits: No matter when or where you need care, virtual visits can connect you with a doctor through video
chat on your mobile device, tablet or computer. Virtual visits are best for getting care in non-emergency situations
that don’t require hands-on assessment or tests. For example, colds, fevers, migraines or allergies. In most
cases, you’ll have the opportunity to get a diagnoses and prescription (if needed) in 20 minutes or less. Learn
more at umurl.us/virtualvis.
• Urgent care clinic: Urgent care clinics are an appropriate choice when you have an unexpected illness or injury
that requires immediate attention but is not necessarily life-threatening. These clinics offer many resources to
treat a wound or injury and will often do so immediately. Examples include a cut that may need stitches or a
sprained ankle.
• Emergency room: Seek an emergency room when an illness or injury is very serious or life-threatening. In most
cases, you will know the condition is serious, sudden and/or requires immediate attention. If you are unable to get
to an emergency room, call 9-1-1 for assistance. Examples include broken bones with deformed appearances,
head trauma, drug or alcohol overdoses or severe cuts or burns.
Did you know?
A dedicated UHC Nurse Liaison is always available to help you and your dependents with health care questions. Our
nurse liaison is a registered nurse with a broad range of healthcare experience, available to help you find in-network
physicians; establish care with a Primary Care Physician; navigate UHC programs and resources; and more. Visit
umurl.us/nurse for more information.
14You can also read
