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2023-24 Health Insurance Open Enrollment Information
As you all know, we have made the switch to a new Health Insurance provider, Show Me Benefits Consortium. As such, everyone is required to re-enroll to ensure they do not lose coverage. This is a 100% enrollment with a representative. This year’s retirees do need to enroll. Staff who are not returning to Willard next year do not need to enroll. Open enrollment is May 1 - May 12, 2023.
New benefits will take effect July 1, 2023.
The schedule for open enrollment sign-ups will be provided to building administration, who will coordinate the sign-up process. Additionally, benefit booklets will be distributed in the buildings prior to open enrollment.
Anyone who is interested in discussing their info on a one on one basis, contact Benefits Coordinator, Shelly Vaughn, or your Health Plan Management Group. It’s best to familiarize yourself with what you are currently enrolled in prior to this meeting, so you don't feel rushed and can get all your questions answered within the allotted time.
Open Enrollment FAQs
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What do I need to bring to my enrollment meeting?
For each dependent you are enrolling in eligible benefits, please come prepared with:
- Social Security Number
- Address
- Date of Birth
For additional information on enrollment, click here.
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When do new benefits take effect?
New benefits will take effect July 1, 2023.
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What plan options do we have available, and what will they cost?
To view a list of available plan options and the employee cost, click here.
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How do I know what providers are covered under each plan?
You can access a list of providers covered under each plan here. To verify additional providers, contact the Health Plan Management Group.
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When will insurance cards be mailed?
You should receive all of your insurance cards by the first week of July.
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What happens with my current deductible?
Anything applied to the current deductible will carry over to the new plan through December 30, 2023. For example, if you have a $2,500 deductible and have paid $1,500, the $1,500 will carry over to the new plan (until December 30, 2023). See additional information regarding the deductible transfer credit process here.
It is recommended to obtain your Explanation of Benefits (EOB) statement in June.
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What is an Explanation of Benefits?
An explanation of benefits (EOB) is the insurance company's written explanation regarding a claim, showing what they paid and what the patient must pay. It shows what has been applied to the deductible throughout the current calendar year (2023).
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What happens with my FSA funds?
Employees who are currently enrolled in the Medical FSA will lose access to their funds on the debit card effective June 30, 2023. If you have any reimbursements after that date, you will need to submit the receipts via your online account or the app.
Dates to remember:
- Spend it by 9/15/23
- Claim it by 9/28/23
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What happens with my HSA funds?
Employees who are currently enrolled in a Health Savings Account can keep their funds with Health Equity until they run out OR transfer funds to the new provider if they are enrolled in an HSA after July 1, 2023.
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What about my dental out of pocket?
Your max out of pocket for dental will reset July 1, 2023.
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How do I know if my dentist is in network?
Visit www.MetLife.com and select Find a Dentist > PDP > Insert Zip, City, or State.
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Are there any guarantee issues for open enrollment?
There sure are! Life Insurance will be a guarantee issue this year only up to $200,000—no questions asked.
Short-Term Disability benefits will pay on the first day of disability, regardless of available paid leave.
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Does my newborn have coverage?
Newborns are covered for the first 31 days. If the newborn doesn’t get enrolled within the 31 days, coverage will be dropped.
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Will the onsite Cox flu shots be covered in-network for all plans?
Yes, all employees will be covered by SMBC along with the dependents who are enrolled in the medical plan. If a dependent is not enrolled in the medical plan, they can still receive the shot and Cox can bill the insurance, or employees can pay $30 to receive vaccines.
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Will the Mercy Mobile Mammogram Bus be covered in-network for all plans?
The Cox Only plan will be out of network for this service.
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Are international providers covered in-network for all plans?
Yes, international providers are covered in-network. For additional information, click here.
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How do I know what I'm currently enrolled in?
If you want to see what you’re currently enrolled in, you have access through your Benefits Solver account. For step by step instructions on how to access this information, click here. It’s best to familiarize yourself with your current enrollment to be prepared for the meeting with the insurance rep. Come prepared with questions in order to maximize your allotted time.
