2022 ANNUAL ENROLLMENT 

October 1, 2021 - November 15, 2021 

Annual Enrollment is held from October 1st through November 15th, 2021. During this time, employees have the opportunity to enroll, cancel or make changes to their health insurance and voluntary benefit plans.   Medical, Dental, Vision, Supplemental Life, Voluntary Life, LTD, Accident Protection, Critical Illness, and Flexible Spending Accounts cannot be terminated or changed outside of annual open enrollment without a qualifying life event.  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, 2022 - December 31, 2022.

Process for Annual Enrollment

Employees are encouraged to review all benefits and make selections/changes consistent with your individual needs. Employees recieved an email  communication which displayed their current benefit selections on September 30.   Enrollment/change forms are available using the links on this page or can be picked up at the Benefits Office, Resource Building, Room 626.  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.

Benefits Virtual 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 Sessions.   Join us via Zoom for these virtual sessions and gain an understanding of our benefit plans to make educated choices during 2022 Open Enrollment 10/1 - 11/15.   Register for one of these sessions below by clicking on the date.

   Monday 10/4 - 9:00am 

   Tuesday 10/12 - 2:00pm 

   Wednesday 10/20 - 11:00am 

   Thursday 10/28 - 9:00am 

   Friday 11/5 - 9:00am  

   Monday 11/8 - 2:00pm        

Annual Enrollment Presentations

Office of Group Benefits will not be hosting any onsite presentations during Annual Enrollment for employees this year, but they will be hosting regional Zoom presentations Between September 27 and October 1 for anyone to attend. Click here for links for the Zoom Presentations.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.   The OGB annual enrollment guide can be downloaded here.  

LSU First will host presentations for active employees via Zoom. To register for a meeting, please click the link below.

• Thursday October 7, 2-3pm

• Wednesday October 13, 9-10am

• Tuesday October 26, 2-3pm

• Tuesday November 2, 9-10am

Employee Responsibility

Your Responsibilities During Annual Enrollment:

• Reviewing all communications regarding Annual Enrollment
• Educating yourself on plan offerings
• Providing proper documentation, where applicable. Such as adding dependents or submitting Evidence of Insurability (EOI)
• Ensuring changes have been properly submitted by deadline
• Verifying insurance coverage and premium deductions are correct

Some things to consider when evaluating your benefit elections are:

• Monthly Premium
• Provider networks
• Covered medical and prescription services
• Deductible, Coinsurance, and Copays
• Prescription coverage and costs
• Estimated out-of-pocket costs
• Voluntary benefit offerings including dental, vision, life insurance, and flexible spending account(s).

2022 Health Plans 

• LSU First Health Plan administered by WebTPA, MedImpact and ExpressScripts
  • LSU First continues to offer members an employer paid HRA and 100% coverage for First Choice Providers and Generic Drugs. LSU First will have an average premium increase of 3.8% for 2022. Increase amount varies by type of coverage.  For 2022, the plan has instituted penalties for Imaging services and Outpatient Services performed in hospital settings as opposed to doctors offices or clinics. Details on this can be found by clicking the header.
• LSU First Medicare Retiree Plan (available for Medicare - eligible retirees)
  • The LSU First Medicare Retiree plan will have a 40% premium decrease for 2022. 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% premium increase for 2022.  Express Scripts will be the new Pharmacy Benefit Manager.   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% premium increase for 2022. 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 Healthcare Flexible Spending Account (FSA) program for the 2022 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% premium increase for 2022. Express Scripts will be the new Pharmacy Benefit Manager.  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% premium increase for 2022. Express Scripts will be the new Pharmacy Benefit Manager.  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% premium increase for 2022.  Express Scripts will be the new Pharmacy Benefit Manager.  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 10% premium increase for 2022. Additional information can be found on the OGB website.

Supplemental Insurance

• Dental Insurance
  • Dental plans under Humana 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 is $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 uses EyeMed for vision coverage. If you are currently enrolled and do not make any changes during Annual Enrollment.  There will be no premium change for 2022.
  • Vision plan includes a $150 frame allowance, $0 lens copay, and $130 contact lens copay.  (Providers including Target, LensCrafters, Pearle Vision, and many independant retailers.). 
  • 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 2022. Since this benefit is age-banded, your premium will increase if you are entering a new age band. 
    • At hire, the life insurance will be capped at 3 times annual salary or $350,000, whichever is less.  Spouses can enroll their coverage up to $100,000 or 50% of the employee amount without EOI, if not previously denied coverage.  Child(ren) can enroll in coverage in increments of $5,000, up to $20,000.
    • During Annual Enrollment, UnitedHealthcare allows Employees to start or increase their coverage by $10,000 without evidence of insurability (EOI). Spouses must submit EOI to elect any new or additional coverage. Children enrollees do not require EOI.
  • OGB Term Life
    • There will be no changes to the plan design or premiums for 2022. 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 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 or premium for 2022. 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. 
• 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 2022. 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 2022. 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 for 2022. 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 for 2022. 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, 2022 through December 31, 2022 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 being waived for 2022. 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 2022 plan year. Failure to re-enroll in these plans will result in no FSA benefit for the 2022 plan year.
  • Current Healthcare FSA plan participants should continue to use their current debit card for any claims incurred in 2021 through the grace period (March 15, 2022), if money is available.  If you are a new participant for 2022, a debit card will be mailed to your home address. Reimbursements for 2021 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.
  • Premiums will decrease for both plans.
  • Enhancements have been made to both plans.
    • UltraSecure ID (previously UltraSecure) – Includes smart SSN tracker and monitoring services like advanced fraud, bank and credit card, and social media activity. It includes a $1 million identity theft and recovery insurance policy. It also now includes credit reporting
    • UltraSecure Premium (previously UltraSecure + Credit) – Provides all the benefit of UltraSecure ID plus new features like online PC protection tools, mobile attack control, and ransomware and social engineering expense reimbursement.  It covers a $2 million identity theft and recovery insurance policy