Open Enrollment is an annual opportunity to assess your individual or family needs.
The Husky Flexible Benefit Plan will be starting in January 2019.
Who should participate in Open Enrollment?
- All Benefit Eligible Employees
- Open Enrollment is mandatory for 2019 benefits
How do I start Open Enrollment?
What can I do during Open Enrollment?
What if I don't complete Open Enrollment?
If no action is taken, you will be placed into the Core Benefits (listed below) for
employee only at no cost to the employee.
- Husky Care HDHP 1
- Basic Life/Accidental Death & Dismemberment (AD&D)
- Short-Term Disability (STD)
- Basic Long-Term Disability (LTD) 60% pay replacement
- Employee Assistance Program (EAP)
- 403(b) Matching contribution of up to 7.5%
What is the Husky Flexible Benefit Plan?
- Michigan Tech will be providing benefit eligible employees with Medical and Non-Medical
Benefit Dollars to use to elect benefit options.
- Employees electing a medical plan will receive the Medical Benefit Dollars for themselves
and for eligible enrolled dependents to go towards the premium cost of the medical
plan selected.
- All benefit eligible employees will receive the Non-Medical Benefit Dollars to elect
voluntary benefit options or receive as taxable income.
- The Core Medical Benefit, for employee only, will include the Husky Care High Deductible
Health Plan 1.
- The Core Non-Medical Benefits, for employee only, of Short-term disability, Long-term
disability, Basic Life, AD&D, Employee Assistance Program (EAP) and Retirement Matching
of up to 7.5% will be provided at no cost to employees.
What are my medical options?
Husky Care Comparison Chart
- In addition to the current medical plan options there will be an additional 3rd medical plan option available. The Medical Benefit Dollars provided by Michigan Tech
will cover the full premium cost of both the HuskyCare High Deductible Health Plans
(HDHP 1 & 2) for employee and eligible enrolled dependents. The HuskyCare Preferred
Provider Organization (PPO) health insurance plan employee portion of the premium
for 2019 will be reduced to $100 (pre-tax) per person per month.
What are my voluntary benefit options?
- Pre-Tax Benefits
- Husky Care PPO - Buy Up
- Husky Care HDHP 2 - Lower Cost
- Dental
- Vision
- Health Care Spending Account
- Dependent Care Spending Account
- Health Savings Account
- 403(b) Retirement Contributions
- Post-Tax Benefits
- Supplemental Life and AD&D
- Accident Coverage
- LTD Buy-Up - 70% pay replacement
- Critical Illness
- Additional Retirement contributions - 403(b) and (Roth)
Are there any new benefits being offered?
- Two new voluntary benefits, Accident Coverage and Critical Illness Coverage from Securian,
are being introduced, with coverage starting January 1, 2019.
- Accident Coverage provides a lump-sum cash payment directly to the enrolled participant if injured
in a covered accident.
- Critical Illness Coverage provides a lump-sum cash payment directly to the enrolled participant if diagnosed
with a covered condition.
What if I need more help with Open Enrollment?
- Onsite counselors will also be available on campus from November 12 through November
16. Employees may schedule an appointment or stop in to the Enrollment Café for assistance.
Visit www.benefitsgo.com/MichiganTechUniversity to schedule an appointment. Employees may begin scheduling appointments on October
31.
What if I can't meet with an Onsite counselor?
- Should you have questions on the benefit plans or the enrollment process, there is
a call center to answer your questions. The Call Center will be available – November
12 through November 30 from 9:00 a.m. to 6:00 p.m. Monday-Friday. The call center may be reached at 855-874-0198.
- The Call center schedule is as follows:
- Employees with Last Names A- J to Call-In November 13-16
- Employees with Last Names K-Q to Call-In November 19-21
- Employees with Last Names R-Z to Call-In November 26-28
- Open to ALL to Call-In November 29-30
Benefit Plan Year: January 1 – December 31, 2019
Enrollment Period: November 5 – November 30, 2018
Informational Forums
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Wednesday, November 7 2:00 p.m. - 3:30 p.m. MUB - Ballroom B
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Thursday, November 15 2:00 p.m. - 3:30 p.m. MUB - Ballroom B |
Tuesday, November 20 2:00 p.m. - 3:30 p.m. MUB - Ballroom B
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2019 Open Enrollment Presentation
2019 Open Enrollment Guidebook
2019 Open Enrollment Instructions
HuskyCare PPO SBC
HuskyCare HDHP 1 SBC
HuskyCare HDHP 2 SBC
Dental 1
Dental 2
Premier Vision Benefit
Safety Vision Benefit
Voluntary Critical Illness
Voluntary Accident Coverage