2019 Open Enrollment

• All Benefit Eligible Employees
• Open Enrollment is mandatory for 2019 benefits

• Open Enrollment begins November 5 - November 30
• Open Enrollment Instructions

• Review and make changes to your benefit package for 2019

• Contribute to a Health Savings Account (HSA) or Flexible Spending Account (FSA)

• Enroll in voluntary benefits for yourself and dependents

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%

• 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.

Husky Care Comparison Chart

• In addition to the current medical plan options there will be an additional 3^rd 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.  

• 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)

• 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.

• 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.

• 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 a.m. to 6 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