Open Enrollment 2021

Open enrollment is held October 1st through October 31st. During open enrollment, eligible care team members may make changes to their coverage.  Any changes made during open enrollment will be effective on January 1, 2022.

The SC Public Benefits Authority (PEBA) provides a high-level overview of benefits in the 2022 Insurance Summary.  In addition to the benefits offered by PEBA, eligible care team members of MUSC, MUHA and MCP may elect the MUSC Health Plan.  Services provided by MUSC providers offer lower out-of-pocket costs for our care team members.  Learn more about the MUSC Health Plan here.

Start thinking now about what changes you might want to make to your insurance coverage.

If you are satisfied with insurance coverage, you don’t need to do anything. Your coverage will continue in 2022. Keep in mind, though, you must re-enroll in MoneyPlus flexible spending accounts each year.

If you’re unsure what insurance coverage you currently have log in to the PEBA website, MyBenefits, to find out. While you’re logged in, take a few minutes to review your life insurance beneficiaries and make any necessary updates.

 

Follow these steps to learn about open enrollment and make changes:

1.    Review the information below to learn about what changes you can make.

2.    Review PEBA’s open enrollment resources to plan your coverage for 2022.

3.    Log in to MyBenefits to review your coverage and make changes during open enrollment if necessary.

Highlights for 2022

  • Active employee health insurance premiums will not increase in 2022.
  • Dental Plus monthly premiums will increase slightly.
  • State Vision Plan monthly premiums will increase slightly.
  • ASIFlex/HSA Central were awarded the contract to administer Health Savings Accounts (HSAs). These accounts are only available to participants of the Savings Plan.  In March 2022, HSAs will move to the HSA Central platform, which will be the new hub for all things related to HSAs. This means that you will see Central Bank branding until the transition. Be on the lookout for more information about this upgrade in early 2022 if you have the Savings Plan and participate in an HSA.
  • Funded retiree health insurance premiums will not increase in 2022.
  • Partially funded retiree, non-funded retiree, COBRA subscriber, survivor and former spouse health insurance premiums will increase in 2022.

Open enrollment options for active care team members

Health plan

  • Changes to health plan allowed:
    • Savings Plan to MUSC Health Plan; or
    • TRICARE Supplement Plan to MUSC Health Plan.
  • Enroll yourself or any eligible dependents in health coverage. Dependent documentation is required for all enrollment changes to be effective.
  • Drop health coverage for yourself or any dependents.                                                                                                                           

Dental plan- odd years only

  • Change from one dental plan to another:
    • Dental Plus; or
    • Basic Dental.
  • Enroll yourself or any eligible dependents in dental coverage.
  • Drop dental coverage for yourself or any dependents.

Changes to existing dental coverage can be made during open enrollment only in odd-numbered years. If you don't make changes this year, your next opportunity to make changes will be in October 2023.


Vision coverage

  • Enroll in or drop State Vision Plan coverage for yourself and/or your eligible dependents.

 

Life insurance coverage- no guaranteed issues this enrollment.  All changes must be made on an NOE.

For life insurance open enrollment changes that require medical evidence, you must complete a Notice of Election (NOE), sign it and return it to your benefits administrator by October 31, 2021. Your benefits administrator will submit the NOE to PEBA once he receives approval for coverage from MetLife.

To enroll in or increase Optional Life coverage, you must complete a shorter Supplemental Form online. You will receive an email from MetLife that includes a link to the form on MetLife’s MyBenefits platform. If you answer “yes” to any of the questions, you will be prompted to complete a full Statement of Health. Answering “no” to all health questions on the Supplemental Form does not automatically approve you for coverage.

To enroll in or increase Dependent Life-Spouse coverage, you must complete a full Statement of Health online. You will receive an email from MetLife that includes a link to the form on MetLife’s MyBenefits platform.

 


Long term disability coverage

  • Apply for Supplemental Long Term Disability (SLTD) coverage with medical evidence.  As a reminder, you can apply for SLTD throughout the year with medical evidence. You can also change your benefit waiting period, which may require medical evidence.
  • Change your benefit waiting period from 180 days to 90 days for existing coverage with medical evidence.
  • Change your benefit waiting period from 90 days to 180 days for existing coverage without medical evidence.
  • Drop coverage.                                                                                                                                                                                        

MoneyPlus elections

Remember you can carry over up to $550 of unused Medical Spending Account (MSA) and Limited-use MSA funds into the next plan year (2023). Be sure to take this into consideration when making your election.

Health Savings Account election

If you are enrolled in the Savings Plan:

If you enroll in the Savings Plan and are not enrolled in a Health Savings Account (HSA), consider enrolling in one. If you already have an HSA, you do not need to re-enroll, but consider whether you would like to change your contribution amount for 2022.

How to make changes

Log in to MyBenefits at mybenefits.sc.gov to make your coverage selections during open enrollment. You will need to register if you don’t already have a MyBenefits account. View our Setting Up a New MyBenefits Account flyer to learn how to register.

Dependent documentation required

Some coverage changes, including enrolling a dependent who is not currently covered under any benefit, require supporting documentation. You can upload documents through MyBenefits. Keep in mind that PEBA must receive the documents by December 1 to approve the changes.

Follow up on your open enrollment changes

At the beginning of December 2021, log in to MyBenefits and select Review Benefits from the drop-down list to see your 2022 benefits. If you notice any errors, contact your benefits administrator immediately.

If you miss open enrollment

Open enrollment ends October 31, 2021, at 11:59 p.m. Once the deadline has passed, you must wait until either the next October or until you have a special eligibility situation. Special eligibility situations occur after life events such as getting married or having children. Insurance changes must be made within 31 days of a qualifying event. These events can be initiated in MyBenefits.

2022 Insurance Benefits Guide

The 2022 Insurance Benefits Guide (IBG) describes all PEBA-sponsored insurance benefits and will be available online by October 1, 2021.