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2022 Benefits Open Enrollment

2022 Benefits Open Enrollment is Going on Now!

Open Enrollment Overview

Open Enrollment happens once a year and is your opportunity to make changes to your UNI benefits. The Open Enrollment period is Monday, November 1 through Tuesday, November 30, 2021.

Any enrollment changes you make will take effect January 1, 2022.

For employees there will be a 1% increase to the UNI health insurance premiums and modest plan design changes for 2022. There will be no increase, and no plan design changes to the dental or vision premiums for 2022.

For employees who are thinking about retiring, or those already retired from UNI, the updated premiums and forms for calendar year 2022 can be found on our Retired from UNI webpage.

Action Required

  • If you want to contribute to a flexible spending account for 2022, you must enroll or re-enroll each year
  • Register for a myWellmark account.
  • If you are covering an overage dependent (a qualified child over the age of 26, who is either an unmarried full-time student, or permanently disabled) you must log into self-service to edit that dependent and fill out the corresponding qualifying questions.
  • No action is needed if you do not wish to make changes to health insurance, dental insurance, vision insurance, or VTL insurance.

Benefits Self-Service Quick Help

Benefits Self-Service provides a help site to support you in making your online enrollment elections and viewing your current benefit elections.

Have you already made changes to your benefits and want to check the status of those changes? Review the FAQ number 24 for a detailed listing of each of the Workflow status, and what action if any, you still need to take.

Benefits Self-Service Status View

Benefits Self-Service Login

Step 1: Add Key Open Enrollment Dates to Your Calendar

Open Enrollment Begins

Monday, November 1, 2021

Open Enrollment Ends

Tuesday, November 30, 2021

Step 2: Open Enrollment Q&A Sessions

2022 Open Enrollment Q&A Sessions Have Concluded

Step 3: Know Your Plan

UNI Self-Insured Health Plans

Important: If you are not making changes to HEALTH insurance no action is required and your current health coverage selection will continue.

What's New for 2022 For Your Health Plan

There will be a 1% increase to premiums and modest plan design changes for 2022:

  • 100% covered annual eye exam for those covered under the UNI Blue Advantage (HMO) plan. The UNI PPO (Alliance Select) will continue with the 100% covered eye exam, no change.
  • A copay increase from $20 to $25 for UNI PPO (Alliance Select) non-specialty co-pays. No changes to the UNI Blue Advantage (HMO) copays.
  • An introduction of a new tier for biosimilar prescriptions.
  • A $15 increase to copays for specialty preferred and non-preferred tiered prescriptions to both health insurance plans.

This is a great time to compare the two UNI health insurance plans.

UNI PPO (Alliance Select)

Premiums January 1, 2022 – December 31, 2022
Coverage Employee 1/12 Annual Premium Employee Annual Premium UNI Annual Premium
Single $21.60 $259.20 $9,185.04
Family $368.40 $4,420.80 $17,682.00
Shared Family $184.20 $2,210.40 $19,892.28

UNI Blue Advantage (HMO)

Premiums January 1, 2022 – December 31, 2022
Coverage Employee 1/12 Annual Premium Employee Annual Premium UNI Annual Premium
Single $0.00 $0.00 $9,185.04
Family $194.55 $2,334.60 $17,682.00
Shared Family $20.10 $241.20 $19,892.28

New Health Insurance ID Cards

Wellmark is sending out new health insurance cards to all employees enrolled in health insurance. The new card will now include your deductibles, as well as your maximum out-of-pocket amounts. You do not need to have the new ID card to receive services or pick up prescriptions after January 1, as your previous ID card will still work. A new card will be needed if you are enrolling in a different health insurance plan for 2022.

For family plans, those on the UNI PPO will only receive two cards and for families on the UNI Blue Advantage (HMO), each person who is covered on the plan will have their own card in their name. Register for a myWellmark account today and print or request health ID cards as needed.

Only the myWellmark registered user's temporary card can be printed. Anyone covered on your plan can use the temporary id card for medical and pharmacy providers.

Who is eligible for coverage under your health insurance?

To learn who eligible for coverage for health insurance please review the Coverage section on the Health Insurance Benefits page.

Keep Taking Your Preventative Care Measures

Using your preventative care exams has the greatest potential to impact our health and dental premiums.

  • Our health plans offer one preventive annual physical per person covered, per calendar year, at no cost to the covered person.
  • Our health plans also offer one preventive eye exam per person covered, per calendar year, at no cost to the covered person.

Continue to encourage preventive measures with other employees and family members so we can see a healthier 2022.

Tools to Help You Choose

Tools to Help You Use

What is Self-Insured?

The university's health and dental insurance plans are self-insured. Self-insured means the employee and employer premiums go into a health plan account instead of being sent to Wellmark Blue Cross Blue Shield (our health insurance vendor). This means how employees use the plan impacts future premiums and the health plan account.

UNI Self-Insured Dental Plan

Important: If you are not making changes to DENTAL insurance no action is required and your current dental coverage selection will continue.

What's New for 2022 For Your Dental Plan

There have been no premium changes for the UNI Dental Insurance Plan for calendar year 2022 (administered by Delta Dental).

Who is eligible for coverage under your dental insurance?

To learn who eligible for coverage for dental insurance please review the Coverage section on the Dental Insurance Benefits page.

Vision Insurance

Important: If you are not making changes to VISION insurance no action is required and your current vision coverage selection will continue.

What's New for 2022 For Your Vision Plan

There have been no premium for the vision insurance plans for 2022. The same two vision plans will be available through Avēsis.

Who is eligible for coverage under your vision insurance?

To learn who eligible for coverage for vision insurance please review the Coverage section on the Vision Insurance Benefits page.

DeltaVision® Discount Program

If you are enrolled in the UNI Dental Plan, you may choose to take advantage of the DeltaVision® discount plan. This vision discount plan offered by Delta Dental will not work with with Avēsis Vision insurance – you must use one or the other on a single purchase.

Blue365® Health and Wellness Deals

If you are a member of a health insurance plan offered at UNI, then you are eligible for savings through the Blue Cross and/or Blue Shield Companies member discounts.

Flexible Spending Accounts/Pre-tax

Action Required

  • If you want to contribute to a flexible spending account for 2022, you must enroll or re-enroll each year.

Contributing to a Flexible Spending Account and/or utilizing pre-tax deductions for health and dental may provide you a 25% savings on your take home pay.

Flexible Spending Accounts/Pre-tax Annual Maximums
Plan IRS maximum
Health Care FSA 2021 IRS maximum is $2,750.
Health Care FSA 2022 IRS maximum has increased to $2,850.
Dependent Care FSA Current 2021 IRS maximum is $10,500.
Dependent Care FSA 2022 IRS maximum is $5,000.

UNI Employees Actions
Employees wanting to elect the Health Care FSA maximum amount or have yet to submit their request. Login to the Benefits Self-Service system no later than November 30. The Health Care FSA Plan Description has been updated with further information. Read the description carefully before you submit a request.
Employees who have already submitted their Health Care FSA request and want to elect the maximum amount. Login to the Benefits Self-Service system no later than November 30. The Health Care FSA Plan Description has been updated with further information. Read the description carefully before you submit a new request.
Employees who have already submitted their Health Care FSA request and do not want to elect the maximum amount. No action required.
Employees not wanting to elect a Health Care FSA. No action required.

You have until March 31, 2022 to submit reimbursements for health, dental, vision, or daycare expenses that occurred between January 1, 2021 through March 15, 2022.

University-Sponsored Group Term Life Insurance

Important: If you are not making changes to University-Sponsored Term Life insurance no action is required and your current term life insurance coverage will continue.

What's New for 2022 For Your Life Insurance Plan

The university provides and pays for life insurance coverage for eligible employees at a calculation of their budgeted salary. This coverage is automatically assigned once an employee becomes eligible.

New for 2022, employees may opt into a flat reduced $50,000 coverage option. This will remove the obligation to pay imputed income which comes out of your pay each pay period. Please carefully read the 'Considerations Before Making a Change' section below.

Imputed income:

  • Per IRS regulations, any life insurance coverage amount greater than $50,000 will be taxable to the employee and will be subject to Medicare and Social Security taxes. This amount is reflected as "Txbl Life Ins" on the employee's UNI payslip each month.
  • To view the calculation formula and rates visit page 14 of the IRS Publication 15-B.

Planning for Tomorrow: Considerations Before Making a Change

  1. Reducing your life insurance coverage can have a significant impact on your family/beneficiaries.
  2. You may only opt-in/opt-out of coverage during the Open Enrollment period.
  3. You will be required to complete a proof-of-good health questionnaire if you want to re-enroll into your calculated budgeted salary life insurance coverage.
  4. Principal Financial makes the final determination of eligibility to re-enroll into your calculated budgeted salary life insurance coverage.

Importance of Current Beneficiary Information

It’s important to keep your beneficiary designations up-to-date on insurance policies and retirement plans. A beneficiary or beneficiaries are the person(s) or entity you would like your assets to go to when you pass away. Naming a beneficiary allows you the opportunity to instruct whom to distribute your assets to and at which percentage(s). This may help avoid probate costs associated with a will and your estate.

Beneficiary changes through Benefits Self-Service is for life insurance only. If you need to make changes to your beneficiaries for TIAA you may access your account at TIAA.org and change your beneficiary designations. To make changes for IPERS you may log into your account at ipers.org to make beneficiary changes.

Voluntary Term Life Insurance

Important: If you are not making coverage amount changes to Voluntary Term Life (VTL) insurance no action is required and your current VTL coverage selection will continue.

What's New for 2022 For Your VTL Insurance Plan

New for 2022

  • Employees may elect to increase their VTL coverage up to $500,000 (previous maximum was $300,000).
  • Employees may elect to increase their VTL Spouse coverage up to $100,000 (previous maximum was $50,000).

Any coverage amount increased by more than $20,000 will be subject to a proof of good health questionnaire and final eligibility will be determined by Principal Financial. If proof of good health is required, it will be sent to your UNI email address.

Planning for Tomorrow

Having enough life insurance today may better prepare you for tomorrow. Once you have established a Voluntary Term Life (VTL) policy you are able to increase your election by a maximum of $20,000 each year without being required to complete a statement of health questionnaire. You are able to elect VTL coverage for yourself, a spouse or domestic partner, and children.

Importance of Current Beneficiary Information

It’s important to keep your beneficiary designations up-to-date on insurance policies and retirement plans. A beneficiary or beneficiaries are the person(s) or entity you would like your assets to go to when you pass away. Naming a beneficiary allows you the opportunity to instruct whom to distribute your assets to and at which percentage(s). This may help avoid probate costs associated with a will and your estate.

Beneficiary changes through Benefits Self-Service is for Life Insurance only. If you need to make changes to your beneficiaries for TIAA you may access your account at TIAA.org and change your beneficiary designations. To make changes for IPERS you may log into your account at ipers.org to make beneficiary changes.

Tax-deferred Annuity Plans

The smallest amount contributed may make a big impact on your retirement savings goals; start by enrolling or increasing your contributions into your TDA for 2022.

Tax-deferred Annuity Maximums
Plan IRS maximum
Tax-deferred Annuity Current 2021 IRS maximum is $19,500.
Tax-deferred Annuity 2022 IRS maximum is $20,500.

Step 4: Elect or Change for 2022

Action Required

  • If you want to contribute to a flex spending account for 2022, you must enroll or re-enroll each year.
  • Register for a myWellmark account today. Employees who have registered before January 1, 2022 will be able to log in after January 1 to print temporary ID cards if cards are needed prior to receiving the them in the mail from Wellmark. If you have not registered, and it is after January 1, you will first need to call Wellmark's Customer Service at 1-800-355-2031 to obtain your new Wellmark ID number. After you have your new ID number, you will be able to register for a myWellmark account and print a temporary ID card.
  • If you are covering an overage dependent (a qualified child over the age of 26, who is either an unmarried full-time student, or permanently disabled) you must log into self-service and add that dependent back to your plan, and fill out the corresponding qualifying questions.

Benefits Self-Service

Benefits Self-Service System - UNI Human Resource Services will not accept paper forms for benefits changes and/or updates.

"Jan-2022" is the "Month Change Takes Place".

Benefits Self-Service Login

Benefits Self-Service provides a help site to support you in making your online enrollment elections and viewing your current benefit elections.