2019 Open Enrollment
Open Enrollment Period: Nov. 1 – 30, 2018
Effective Date of All Changes: Jan. 1, 2019
Open Enrollment is an annual process that gives you the opportunity to enroll in new benefit plans or make changes to your existing coverage. It is also a good time to verify that your dependents are current and that we have the current information for them.
Drexel University Human Resources is excited to announce a new partnership with our benefits administration team – Benefitexpress! Effective Nov. 1, 2018, Benefitexpress will administer our open enrollment and the ongoing management of our Health and Welfare plans for benefits changes effective Jan. 1, 2019. You can contact Benefitexpress at 1.844.690.3992 Monday through Friday, 8:30 a.m. to 7 p.m. EST, or email email@example.com with any questions you have regarding your Open Enrollment changes. More information about Benefitexpress is provided at the end of this webpage.
If you are not changing your health benefits elections, you are not required to re-enroll. Your current 2018 health benefits will remain in effect through Dec. 31, 2019, except for Health Care and Dependent Care Flexible Spending Account (FSA) plans, which you must re-enroll in every plan year. We encourage you to log in to compare and contrast the benefit offerings and associated costs to ensure you are making the best choices for you and your family.
Your Spending Account (YSA) will continue to administer the Run Out and Rollover claims for the 2018 plan year through March 31, 2019. Therefore, you should submit any remaining manual claims for expenses incurred from Jan. 1, 2018, through Dec. 31, 2018, to YSA for reimbursement.
|YSA Transition: Key Dates to Remember
|Nov. 10, 2018: Last day to place orders for December 2018 pass via Your Spending Account.
|Nov. 11, 2018: The 2019 Benefitexpress open enrollment website will begin to take Commuter Program orders for January 2019 and beyond.
|Jan. 1, 2019: Benefitexpress becomes the new FSA and Commuter Benefits administrator for 2019 plans and ongoing.
|March 31, 2019: Last day to submit manual claims to YSA for processing.
|Late Spring 2019: Remaining 2018 Rollover Balances transferred to Benefitexpress from YSA.
The current Benefits Service Center will still be available until Dec. 31, 2018, for new employees (benefit eligibility of 12/1 or prior) as well as for current employees to report life events, verify newly added dependents, and view 2018 benefit elections.
New In 2019: Wellness Program Open to Spouses/Partners
For 2019, Drexel is inviting spouses and domestic partners who receive medical insurance through Drexel, or spouses and domestic partners of employees who participate in the medical opt-out program, to participate in the Wellness Incentive Program. In addition to the $400 that an employee can earn in 2019, your enrolled spouse or domestic partner can earn up to $250, which will be reflected in your paycheck. Spouses/domestic partners will have access to their own secure portal to complete activities, and, like employees, will also have to complete a Personal Health Profile before any incentive payouts are processed.
2019 Rate Changes
Medical: All medical plan and prescription coverage premiums will increase by 1%. This increase applies to both employee and employer contributions.
- There are no plan design changes, however, there will be additional coverage offered for acupuncture benefits for specific conditions, such as migraine/tension headaches, chronic neck pain and lower back pain. For more details on this addition to the plan, please contact Independence Blue Cross at 1.800.ASK.BLUE.
Vision: Premiums will increase by 6% for both employee and employer contributions.
Dental: Premiums will increase by 2.5% for both employee and employer contributions, and for the Basic and Preferred plans.
Life Insurance: Benefits will remain with our current vendors with no plan design changes and no rate increases.
2019 Enrollment Process
All enrollments and/or changes for 2019 must be completed through the 2019 Benefitexpress open enrollment system by Nov. 30, 2018.
- Log in to DrexelOne and select the Employees tab.
- In the bottom right corner, click on the link to the 2019 Benefitexpress Open Enrollment.
- Click the Enroll Online button to review your current elections and/or to make changes for 2019.
- You must actively update your Life Insurance beneficiaries for 2019.
If you have any questions or problems, please contact the Benefitexpress service center at 1.844.690.3992.
- For information that we are required to distribute annually, such as Summary Annual Reports and Summaries of Benefits and Coverage, please visit the Human Resources Compliance webpage.
Human Resources will be hosting "2019 Benefit Highlights" sessions throughout the month of November. Join us to learn more about the new Benefitexpress health and welfare management system, your medical plan options, including the High Deductible Health Plan, Health Savings Accounts, and other benefit topics.
- Nov. 5: The Academy of Natural Sciences, the Commons, noon – 1 p.m.
- Nov. 9: Queen Lane Campus, Auditorium A (Aud A), noon – 1 p.m.
- Nov. 12: University City, Hagerty Library, Room L14, noon – 1 p.m.
- Nov. 16: Center City Campus, New College Building Room 3506-10, noon – 1 p.m.
- Nov. 20: University City, Hagerty Library, Room L14, noon – 1 p.m.
To learn more about your benefits and how to use them effectively, please attend one of the Open Enrollment Benefit Fairs. These fairs will be held on all campuses and will include massage therapy, vision screenings, raffles and prizes. Representatives from Human Resources, benefit providers and the Drexel Recreation Center will be in attendance.
- Nov. 6: Academy of Natural Sciences; Commons Room, 11:30 a.m. – 1 p.m.
- Nov. 8: University City Campus, in the Recreation Center lobby, 11:30 a.m. – 1 p.m.
- Nov. 13: Queen Lane campus, in the Atrium, 11:30 a.m. – 1 p.m.
- Nov. 15: Center City Campus, in the Geary Lobby, 11:30 a.m. – 1 p.m.
- The Benefitexpress enrollment system has more user-friendly tools that allow you to dynamically learn and update your Drexel University group plan benefits.
- You can compare and contrast your benefit offerings to determine the best plans for you and your family.
- Same easy access offered through single sign-on through DrexelOne.
- The system layout allows the user to see their benefits elections right on the landing page and is customizable to one's preferences.
- All medical, dental, vision, life insurance, flex accounts and commuter benefits are housed in one centralized area.
- One-Card Convenience: Benefitexpress transit, parking and health care flex account contributions will be loaded onto one debit card. The system is able to identify transit and parking funds versus health care funds.
- In order for newly added dependents to receive medical coverage, employees must submit supporting documentation through the enrollment system accessed via DrexelOne. Documents can be uploaded electronically at the same time you are adding your dependents to your coverage. A dependent's enrollment status will pend with carriers until supporting documents have been received and approved. Upon approval, enrollment information will be relayed to the insurance carriers. Employees will be able to view the status of their dependent verification directly in the enrollment system.
- The Drexel Voluntary Benefits platform will be easily accessible through the Benefitexpress platform in 2019.
Keystone POS and Personal Choice Medical Plans:
High-Deductible Health Plan (HDHP): The Drexel HDHP is a high-quality, low-cost medical plan, with a higher deductible than the Keystone POS and Personal Choice plans. It is offered in conjunction with a Health Savings Account (HSA).
Effective Jan. 1, 2019, the Health Savings Account vendor will be moving from UMB to Optum Bank. 2019 HDHP enrollees will receive their employee per pay deduction contribution and the employer contribution in the new year. The 2018 HDHP enrollees and HSA account holders will still be able to access their 2018 funds with UMB Bank.
An HSA is a tax-advantaged medical savings account owned by the faculty or professional staff member and designed to be used in conjunction with a federally qualified high deductible health insurance plan. Money contributed to the account is not subject to federal tax at the time of deposit (pre-tax dollars). Unlike amounts in flexible spending accounts that are forfeited if not used by the end of the year, unused HSA funds remain available for use in later years, are portable, and can grow tax-free through investment earnings, just like an IRA.
HSA funds can be used to save for future medical expenses or help bridge the gap to benefits until the annual health plan deductible is met. The University will contribute up to $500 to each HSA account with individual coverage or $1,000 for those with family coverage based on the effective date of their enrollment. If enrollment occurs outside of Open Enrollment, the University contributions made to the HSA will be prorated.
Prescription Drug Coverage: OptumRx will continue to provide coverage through 2019. There are no plan design changes for 2019. Please review the plan and determine if the 90-day home delivery may best suit your needs.
Waiving Medical Coverage: Full-time benefit-eligible employees scheduled to work 40 hours per week, and who have coverage through a spouse or other source (other than Medicare), may elect to waive Medical/Rx coverage and receive a monthly waiver bonus. To receive the waiver credit, log in to Drexel's benefits enrollment site and waive your medical coverage. Next, submit the Medical Waiver (Opt-Out) Form (linked below) with a copy of the front and back of your current medical card and upload to the enrollment system. Employees that have waived their Medical/Rx coverage are required to submit a new waiver form and up-to-date medical ID card annually.
Effective Jan. 1, 2019: Waiver credit will pend until documentation is submitted and approved.
Dental: Cigna remains our preferred dental carrier, and there are no plan changes other than the premium increase described above. Coverage remains available for eligible dependents up to age 26.
Vision: Davis Vision remains our preferred vision carrier, and there are no plan changes other than the premium increase described above. Coverage remains available for eligible dependents up to age 26.
403(b) Retirement Program: Although changes can be made at any time, now is a good time to think about how your funds are invested, increasing your contribution to the 403(b) Plan, and determining if the Roth 403(b) plan is a good alternative for you. To increase your contribution, go to the Employees tab of DrexelOne and select the "403(b) Plan Management" link. To review your asset allocations and beneficiaries, contact your retirement plan provider directly. For more information, please visit the Retirement Plan webpage.
Health Advocate Employee Assistance Program: The healthcare industry can sometimes be difficult to navigate. Whether you're having trouble figuring out a hospital bill, understanding your benefits or finding a doctor, Health Advocate is available to you and your dependents by phone, 24 hours a day, seven days a week. The Employee Assistance Program is also handled through Health Advocate. They provide guidance and counseling for faculty, professional staff and dependents dealing with personal or professional issues. For questions or assistance, call Health Advocate directly at 1.866.799.2728.