Annual Enrollment
October 1, 2020 - November 15, 2020 

Annual Enrollment is held from October 1st through November 15th, 2020. During this time, employees have the opportunity to enroll, cancel or make changes to their health insurance and voluntary benefit plans. Employees are encouraged to review their current benefit elections and make selections or changes consistent with their individual needs. If no action is taken, all benefits will roll over for the next plan year, with the exception of Flexible Spending Account(s) (FSA) and Health Savings Account (HSA) contributions. These contributions must be re-elected each year. All elections made during Annual Enrollment will be effective during the plan year of January 1, 2021 - December 31, 2021.

Process for Annual Enrollment

Employees are encouraged to review all benefits and make selections/changes consistent with your individual needs. Employees will recieve an email  communication which displays their current benefit selections about October 1.   Enrollment/change forms are available using the links on this page or can be picked up at the Benefits Office, Resource Building, Room 623.  Forms should be returned to the Benefits office no later than November 15. No updates/changes to be made after the Annual Enrollment period has ended. It is important that all employees check their health benefits and dependent information to ensure proper reporting on their 1095 forms to avoid a penalty.

Annual Enrollment Presentations

The Office of Group Benefits will not be hosting any onsite presentations during Annual Enrollment for employees this year, but they will be hosting regional presentations for anyone to attend. If you would like information on the OGB health plans, please visit their website or attend one of their presentations. More information on their plans as well as a presentation schedule can be accessed at info.groupbenefits.org.   LSU First will also hold a series of web based sessions. 

Benefits Virtual Q&A sessions 

The Office of Human Resource Management will not be hosting live Annual Enrollment presentations due to social distancing.  In order to provide information on the OGB and  LSU First Health Plans and supplemental benefit plans, we will host Virtual Q&A Sessions.   Join us for these virtual sessions and ask your questions about your 2021 LSU Health employee benefits to make educated choices during Open Enrollment 10/1 - 11/15.   Register for one of these sessions here.

Wednesday 10/7     12:00pm–12:30pm
Friday 10/9              10:00am–10:30am
Thursday 10/15       11:00am–11:30am
Thursday 10/15       5:30pm–6:00pm
Monday 10/19         3:30pm–4:00pm
Wednesday 10/28   7:00am–7:30am
Thursday 10/29      12:00pm–12:30pm

Medicare Retiree Schedule

Date & Time Meeting Location
Thursday, Oct. 3, 2 -3 p.m. Annual Enrollment Presentation Capital Chamber Room, Student Union, LSU Baton Rouge
Monday, Oct. 21, 9 -10 a.m. Annual Enrollment Presentation Capital Chamber Room, Student Union, LSU Baton Rouge
Wednesday, Oct. 23, 2- 3  p.m. Annual Enrollment Teleconference Participant Number: 800-260-0702
Access Code: 471047

*Please note that the Office of Group Benefits health plans will not be discussed.

For a list of their regional meetings, please visit info.groupbenefits.org. 

2021 Health Plans

  • LSU First Health Plan administered by WebTPA and CitizensRx
    • LSU First continues to offer members an employer paid HRA and 100% coverage for First Choice Providers and Generic Drugs. LSU First will have a 3% premium increase for 2021. LSU First information and rates can be accessed at lsu.edu/lsufirst. The LSU First Medicare Retiree Plan is available to those who meet eligibility requirements. You can access plan information at www.uhcretiree.com/lsufirst.
  • LSU First Medicare Retiree Plan (available for Medicare - eligible retirees)
    • The LSU First Medicare Retiree plan will have a 5% premium decrease for 2021. There will be no changes to the plan design. Please note that if you or any of your covered dependents are not enrolled in Medicare Part A and Part B, you are not eligible for this plan. For more information, you can visit www.uhcretiree.com/lsufirst
  • Pelican HRA 1000 administered by Blue Cross Blue Shield
    • Includes employer contributions in a health reimbursement arrangement that can be used to offset deductible and other out-of-pocket medical expenses throughout the year. Any unused funds roll over to the in-network out-of-pocket maximum, allowing members to build up balances that cover eligible medical expenses. Prescription drugs are not reimbursable by the HRA.  The Pelican HRA 1000 will have a 5.5% premium increase for 2021. Additional information can be found on the OGB website.
  • Pelican HSA 775 administered by Blue Cross Blue Shield
    • Includes a health savings account funded by both employers and employees to cover out-of-pocket medical and pharmacy costs. Unused funds are rolled over every year with no limit and can follow the member. The Pelican HSA 775 will have a 5.5% premium increase for 2021. If you are enrolled in the Pelican HSA 775 and would like to contribute to the HSA, you must complete a GB-79 form annually. Additional information can be found on the OGB website.
    • *Please note employees who participate in the HSA option, will not be able to participate in the Flexible Spending Account (FSA) program for the 2021 plan year.
  • Magnolia Local administered by Blue Cross Blue Shield  (available only for employees who live in designated regions)
    • Available to members who want local access, affordable premiums and a new approach to health care. This plan is a limited provider in-network only plan for members who live in specific coverage areas. Out-of-network coverage is provided in emergencies only and members may be subject to balance billing. The Magnolia Local Plan will have a 5.5% premium increase for 2021. Additional information can be found on the OGB website.
  • Magnolia Local Plus administered by Blue Cross Blue Shield  
    • Offers the same coverage as the Magnolia Local plan, with the additional benefit of a nationwide network. This plan provides the predictability of co-pays rather than using employer funding to offset out-of-pocket costs. Out-of-network coverage is provided in emergencies only and members may be subject to balance billing.  The Magnolia Local Plus Plan will have a 5.5% premium increase for 2021. Additional information can be found on the OGB website.
  • Magnolia Open Access administered by Blue Cross Blue Shield
    • Offers coverage both inside and outside of the nationwide network. It differs from the other Magnolia plans in that members enrolled will not pay co-pays. Instead, once a member’s deductible is met, they will pay 10% of allowable charges for in-network and 30% allowable charges for out-of-network.  The Magnolia Open Access Plan will have a 5.5% premium increase for 2021. Additional information can be found on the OGB website.
  • Medical Home HMO administered by Vantage 
    • A patient-centered approach to providing cost effective and comprehensive primary health care. This plan creates partnerships between the individual patient and his or her personal physician. This plan also includes out-of-network coverage.  Vantage offers an Annual Enrollment booklet available here.  The Medical Home HMO will have a 6% premium increase for 2021. Additional information can be found on the OGB website.

Supplemental Insurance

  • Dental Insurance
    • LSU is excited to announce a new partnership with Humana for dental coverage, beginning January 1, 2021. If you are currently enrolled and do not make any changes during Annual Enrollment, your coverage will automatically roll over to Humana. You will receive a new ID card, so please make sure your address is up to date in PeopleSoft. With this change in vendor, there will be no premium change for 2021. Dental plan enhancements include:
      • Basic: The Basic plan will cover 3 cleanings per year. Members who meet their annual maximum of $1,000 can receive a discount off additional services.
      • Enhanced: The Enhanced Plan will cover 3 cleanings per year. The annual maximum will increase from $1,500 to $2,000. Members who meet their annual maximum of $2,000 can receive a discount off additional services.
    • To find an in-network provider, please visit www.humana.com and click “Shop for Plans” – “Find a Dentist”. You will need to enter your zip code, select the Coverage Type PPO and select the Network PPO/Traditional Preferred.
    • During Annual Enrollment, you may add or delete dependents or switch between the Basic and Enhanced plans. No action is required if you wish to remain in the same plan. If you are not currently enrolled, you may enroll during Annual Enrollment.
  • Vision Insurance
    • LSU is excited to announce a new partnership with EyeMed for vision coverage, beginning January 1, 2021. If you are currently enrolled and do not make any changes during Annual Enrollment, your coverage will automatically roll over to EyeMed. With this change in vendor, there will be no premium change for 2021. Vision plan enhancements include a $150 frame allowance ($200 allowance at certain preferred providers including Target, LensCrafters, and Pearle Vision). You will receive an ID card, so please make sure your address is up to date in PeopleSoft.
    • To find an in-network provider, please visit http://www.eyemed.com and click “Find an eye doctor”. You will need to enter your zip code to find providers in your area.
    • During Annual Enrollment, you may add or delete dependents. No action is required if you wish to remain in the same plan. If you are not currently enrolled, you may enroll during Annual Enrollment.
  • Supplemental Life Insurance
    • UHC Term Life
      • There will be no changes with premiums for 2021. Since this benefit is age-banded, your premium will increase if you are entering a new age band. Beginning 1/1/2021, the AD&D rider associated with the life insurance will be discontinued. If you are interested in AD&D coverage, you can elect the stand-alone AD&D plan during Annual Enrollment or at anytime throughout the year. Additionally, the life insurance will be capped at 3 times annual salary or $350,000, whichever is less. Anyone currently enrolled with over 3 times annual salary or $350,000 will be grandfathered and allowed to keep that coverage. If you are currently enrolled and do not wish to make changes, no action is required.
      • During this Annual Enrollment, UnitedHealthcare will allow enrollment with no evidence of insurability.
        • Employees can enroll or increase their coverage up to a total coverage amount of three times their annual salary or $350,000, without evidence of insurability (EOI), if not previously denied coverage.
        • Spouses can enroll or increase their coverage up to $100,000 or 50% of the employee amount without EOI, if not previously denied coverage.
        • Child(ren) can enroll or increase coverage in increments of $5,000, up to $20,000.
      • Be sure to elect the entire amount of life insurance desired for you and your dependents effective January 1, 2021, as well as beneficiary designations.
    • OGB Term Life
      • There will be no changes to the plan design or premiums for 2021. Since this benefit is age-banded, your premium will increase if you are entering a new age band. If you are currently enrolled and do not wish to make changes, no action is required. If you are not a current participant, you may apply for coverage at any time with evidence of insurability. If you would like to cancel your coverage, please contact HRM directly.
  • Accidental Death & Dismemberment
    • Accidental Death & Dismemberment coverage will pay you a lump-sum in the event of death or dismemberment resulting from an accident.
    • There will be no changes with the plan design, but there will be a premium decrease for 2021. If you are currently enrolled and do not wish to make changes, no action is required. If you are not currently enrolled, you may enroll at any time without evidence of insurability. If you are currently enrolled in the UHC Life Insurance with AD&D, you may consider enrolling in stand-alone AD&D coverage.
  • Long Term Disability
    • Long Term Disability coverage provides financial security in the event of a disabling illness or injury. If you become disabled and qualify for benefits, LTD coverage will pay you 60% of your monthly salary, up to a maximum of $12,000 per month. Disability benefits are paid if you are considered disabled, you satisfy a waiting period of 90 days and you exhaust your sick leave.
    • There will be no changes with the plan design, but there will be a premium decrease for 2021. If you are currently enrolled and do not wish to make changes, no action is required. If you are not a current participant, you may apply for coverage at any time with evidence of insurability. If you would like to cancel your coverage, please contact HRM directly.
  • Long Term Care
    • Long Term Care provides coverage in the form of a fixed dollar indemnity monthly benefit if you or any covered dependents suffer a covered loss of functional capacity or covered cognitive impairment. The amount of the monthly benefit is based on the plan of coverage you choose. You can cover yourself, your spouse, your parents and/or grandparents and your spouse’s parents and/or grandparents.
    • There will be no changes with the plan design or premium for 2021. If you are currently enrolled and do not wish to make changes, no action is required. If you are not a current participant, you may apply for coverage at any time with evidence of insurability. If you would like to cancel your coverage, please contact HRM directly.
  • Critical Illness
    • Critical Illness coverage can help fill a financial gap if you or a covered dependent experiences a severe, life-threatening illness, such as cancer, heart attack, or major organ failure. Upon diagnosis of a covered illness, you can receive a lump sum benefit.
    • There will be no changes with the premium, but there is an additional tier for 2021. If you are currently enrolled and do not wish to make changes, no action is required. If you are not currently enrolled, you can elect coverage during Annual Enrollment. If you currently have the Critical Illness plan, please remember to file for your wellness benefit.
  • Accident Insurance
    • The Accident Protection Plan provides financial protection from expenses incurred due to qualifying injuries from a covered accident. These benefits are paid directly to you and can be used at your discretion.
    • There will be no changes with the premium, but there will be plan enhancements for 2021. If you are currently enrolled and do not wish to make changes, no action is required. If you are not currently enrolled, you can elect coverage during Annual Enrollment.
  • Flexible Spending Accounts
    • This program will allow employees to put tax-sheltered dollars in an account for out-of-pocket medical, dental or vision and/or dependent care expenses that are incurred from January 1, 2021 through December 31, 2021 for the employee and any eligible dependents. 

      Employees are able to contribute up to $2,750 into a Healthcare FSA and up to $5,000 (per household) into a Dependent Care FSA. The monthly administrative fee is $5.00 for 12 month employees and $6.67 for 9 month employees. The Healthcare FSA includes a debit card option.
      If you are currently participating in a Healthcare and/or Dependent Care FSA(s) you must re-enroll during Annual Enrollment if you wish to participate for the 2021 plan year. Failure to re-enroll in these plans will result in no FSA benefit for the 2021 plan year.

      Current Healthcare FSA plan participants should continue to use their current debit card for any claims incurred in 2020 through the grace period (March 15, 2021), if money is available.  If you are a new participant for 2021, a debit card will be mailed to your home address. Reimbursements for 2020 Dependent Care expenses can be submitted by mail/fax claim forms to DBS. You can also submit claim information online or submit via DBS’ mobile phone app.
  • Identity Theft Protection
    • There are two Identity Theft Protection plans to choose from.
      • UltraSecure monitors your personal information 24/7, alerts you if it is compromised, and is backed with $1 million identity theft insurance.
      • UltraSecure+Credit provides all the benefits of UltraSecure, plus 3-bureau credit monitoring, scores, reports, credit score simulator, and more. Both products include free child identity theft protection for any child(ren) up to age 26.
    • There will be no changes with the plan design or premiums for 2021. If you are currently enrolled and do not wish to make changes, no action is required. If you are not currently enrolled, you may enroll at any time.