Open Enrollment is an annual opportunity for House Officers and other employees to change their benefits for the following calendar year. Changes will go into effect on January 1.

• Benefits included are health, dental, vision, legal services, and flexible spending accounts (FSAs).
• No action is required to keep your current benefits, except for Flexible Spending Accounts (FSAs). The IRS requires annual enrollment to participate in an FSA.

House Officer contributions for health plans and coverage levels for 2024 can be found online now using Wolverine Access, Self Service > Benefits. The page displays the individualized rates for House Officers. Rates for all benefits plans for which employees are eligible are displayed.

Beginning October 16, House Officers may log into Wolverine Access and make changes until 5:00 p.m. on October 27. If you cannot access self-service Benefits contact the Shared Services Center at (734) 615-2000 or (866) 647- 7657.

UHR News: New, Enhanced Benefits Offered during Open Enrollment

Please see the following information provided by Michigan Medicine HR: 

What's New for 2024

Consumer-Directed Health Plan With Health Savings Account

The university is offering a new, Consumer-Directed Health Plan (CDHP) with a Health Savings Account (HSA). This plan may appeal to those who prefer paying a higher deductible in exchange for lower monthly premiums. An HSA lets you put money away for future healthcare costs while saving on taxes. When you enroll in a CDHP, you’re also enrolled automatically into an HSA.

The health plan will be administered by Blue Cross Blue Shield of Michigan using the Preferred Provider Organization Network. This new plan will have a $1,600 (individual)/$3,200 (family) combined medical and prescription drug deductible. Once the deductible has been reached, a 10% coinsurance on medical claims and prescription drug copays will apply to the out-of- pocket maximum of $5,500 (individual)/$11,000 (family).

Learn more about the Consumer-Directed Health Plan.

Michigan Care Expansion

Michigan Care was offered as a health plan option in 2021. It remains our lowest cost HMO model plan.

Jackson County and Stockbridge will now be included in the Michigan Care service area. The zip codes include 49237, 49241, 49246, 49259, 49269, 49272, 49277, 49283, 49284 and 49285. The expansion adds 400 new providers from Jackson Health Network and Henry Ford Allegiance.

Learn more about Michigan Care.

Legal Plan Enhancements

A number of new legal services will be added to the U-M Legal Services Plan, administered by MetLife Legal Plans. These include personal caregiving services, insurance claims, social security disability, expungement and more.  

Learn more about the Legal Plan.

Dental Plan Enhancements

The dental plan, administered by Delta Dental of Michigan, offers a new esthetic restoration policy for 2024. Porcelain (white) crowns and bridges on back teeth will be covered at a higher amount. In addition, there are a number of enhanced dental benefits for members with an intellectual or developmental disability.

Learn more about the Dental Plan.

Health Care Flexible Spending Account

For 2024, you can contribute a minimum of $120 up to a maximum of $3,050 per calendar year to your Health Care FSA. 

If you enroll in the CDHP and a FSA you will automatically be enrolled in the HSA-compatible FSA, also called Limited Purpose FSA, that allows you to pay for vision, dental, and orthodontia.

Learn more about Flexible Spending Accounts.

Vision Plan Name Change

New name, same benefits. The Vision Plan will now be referred to as Davis Vision by MetLife. The change will not impact your scope of benefits, vision provider network or premiums.

Learn more about the Vision Plan.

Prescription Drug Plan Tier 3 Copay Increase 

The tier 3 copay in the Prescription Drug Plan will increase from $45 in 2023 to $75 in 2024. 

Learn more about the Prescription Drug Plan.

Changes Outside of Open Enrollment

Outside of the annual Open Enrollment period, you may be able to make specific benefits changes within 30 days of a qualifying family status event. See Life Events for details on making benefits changes.

Benefits You Can Change Any Time

Retirement savings plans, life insurance, and long-term disability plans are not part of Open Enrollment. If eligible, you may enroll or make changes to these plans at any time.

U-M Retirement Savings Plan elections are not part of Open Enrollment and you can make changes at any time throughout the year. However, to avoid conflict with Open Enrollment benefit changes, initiating Basic Plan, 403(b) SRA, and 457(b) Deferred Compensation Plan elections through Wolverine Access Self-Service will not be available on the last two days of Open Enrollment.

 

Reminders

• Use health plan resources to your advantage: Resources are available to help you find the health plan that works best for you.
• Keep your address current: Update your address through Wolverine Access by selecting Employee Self Service > Campus Personal Information > Addresses > Current Local.
• Update your beneficiaries: Check your beneficiary designations for your U-M life insurance and retirement savings plan accounts.
• Stay informed: To receive news from University Human Resources about benefits, programs, policies and other activities for faculty and staff, sign up to receive updates by email.
• Pay attention: Watch for information about all things Open Enrollment in UHR News, The University Record, emails and more.