2023 ANNUAL ENROLLMENT 

October 1, 2022 - November 15, 2022 
 

Documents can be submitted to nohrmbenefits@lsuhsc.edu. 

Annual Enrollment Begins October 1, 2022: As a benefits eligible LSU employee, you have a wide variety of benefit options available to you and your eligible dependents. During Annual Enrollment, you have the opportunity to enroll, make changes to, or cancel current benefit elections. 

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 both Health and Dependent Flexible Spending Account (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, 2023 - December 31, 2023.

Important Dates to Remember

• October 1, 2022 - Annual Enrollment begins
• November 15, 2022 - Annual Enrollment ends
• January 1, 2023 - New plan year begins and changes made during Annual Enrollment take effect

Process for Annual Enrollment

Employees are encouraged to review all benefits and make selections/changes consistent with your individual needs. Employees received an email communication which displayed their current benefit selections on September 30th. Enrollment/change forms are available using the links on this page or can be picked up at the Benefits Office.  Forms should be submitted no later than November 15th. Employees can submit their forms to nohrmbenefits@lsuhsc.edu or in-person at the Benefits Office located in the Resource Center Building, Room 626. No updates/changes can be made after the Annual Enrollment period has ended unless it is due to a qualifying life event. It is important that all employees check their health benefits and dependent information to ensure proper reporting on their 1095C forms to avoid a penalty.

Benefits Fair & Virtual Sessions  

The Office of Human Resource Management is excited to host an in-person Benefits Fair Tuesday, October 25^th from 10:00am to 2:00pm in the School of Allied Health & Nursing Building (1900 Gravier St.) on the 2^nd floor. In addition to the Benefits fair, we will be hosting virtual Q&A sessions in order to provide information on the upcoming changes to the OGB and LSU First Health Plans and supplemental benefit plans.   

Join us via Zoom for these virtual sessions and gain an understanding of our benefit plans to make educated choices during 2023 Annual Enrollment. Register for one of these sessions below by clicking on the date.

Wednesday, October 12^th - 10:00am

Thursday, October 27^th - 2:30pm

Friday, November 4^th - 11:00am

Annual Enrollment Presentations

Office of Group Benefits  will be hosting in person presentations during Annual Enrollment for employees by region. They will have meetings for Active Employees, Non-Medicare Retirees, and Medicare Retirees. To review their meeting schedules and locations, please review the links below.

• Active Employees
• Non-Medicare Retirees
• Medicare Retirees

More information on their plans can be accessed at info.groupbenefits.org. and at the 2023 OGB Annual Enrollment Guide.

LSU First  will host presentations via Zoom to review the LSU First Plan and LSU First Medicare Retiree Plan. To register for a meeting, please click the link below.

Highlights for the 2023 Plan Year 

Health Insurance

• LSU First Health Plan administered by WebTPA
  • LSU First continues to offer members an employer funded HRA and 100% coverage for First Choice Providers and Generic Drugs. The Pharmacy Benefit Manager for this plan will remain MedImpact.
  • LSU First participants will have a reduced HRA contribution for 2023. HRA Contributions will be $500 for Employee Only, $750 for Employee + Spouse, $750 for Employee + Child(ren), and $1,000 for Family.
  • Pharmacy expenses will not be applied to the HRA or Deductible.
  • 1.5% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)
  • Review the 2023 LSU First Benefit Snapshot
• LSU First Medicare Retiree Plan administered by United HealthCare
  • Available for Medicare-eligible retirees.
  • The LSU First Medicare Retiree plan will remain the same. There are no premium or plan design changes.
  • For more information, you can visit retiree.uhc.com/lsufirst, attend an LSU First Medicare Retiree Plan webinar at the link listed above, or call 877-791-9968.
• Pelican HRA 1000 administered by Blue Cross Blue Shield
  • The Pelican HRA plan will continue to offer an employer funded Health Reimbursement Account that can be used to offset deductible and other out-of-pocket medical expenses throughout the year. Prescription drugs are not reimbursable by the HRA.
  • The HRA contribution for 2023 will remain the same ($1,000 for Employee Only and $2,000 for Employee + Any Dependent(s)). Any unused funds roll over to the in-network out-of-pocket maximum, allowing members to build up balances that cover eligible medical expenses. 
  • CVS Caremark will be the new pharmacy benefit manager effective 1/1/23. Participants will receive new cards in the mail and can access them after 1/1/23 through their online account at Blue Cross Blue Shield's website.
  • 4.5% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)
• Pelican HSA 775 administered by Blue Cross Blue Shield
  • The Pelican HSA 775 plan will continue to offer 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 in the event they change medical plans or end employment with LSUHSC-NO.
  • To contribute to the HSA for 2023, you must complete a  GB-79  form annually. Contribution elections do not continue from the previous plan year.
  • IRS Annual Contribution Limits for 2023
    • Employee Only Coverage: $3,850
    • Family Coverage: $7,750
  • Please note, participants in the Pelican HSA plan, will not be able to participate in the Healthcare Flexible Spending Account (FSA) program for the 2023 plan year.
  • 4.5% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)
• Magnolia Local administered by Blue Cross Blue Shield 
  • Available only for employees who live in designated regions.
  • 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 ER copay will increase to $200 for plan year 2023.
  • CVS Caremark will be the new pharmacy benefit manager effective 1/1/23. Participants will receive new cards in the mail and can access them after 1/1/23 through their online account at Blue Cross Blue Shield's website.
  • 4.5% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)
• 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.  
  • CVS Caremark will be the new pharmacy benefit manager effective 1/1/23. Participants will receive new cards in the mail and can access them after 1/1/23 through their online account at Blue Cross Blue Shield's website.
  • 4.5% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)
• 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 ER copay will increase to $200 for plan year 2023.
  • CVS Caremark will be the new pharmacy benefit manager effective 1/1/23. Participants will receive new cards in the mail and can access them after 1/1/23 through their online account at Blue Cross Blue Shield's website.
  • 4.5% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)
• Medical Home HMO administered by Vantage  
  • The Medical Home HMO is a traditional HMO offered by Vantage Health Plan. This plan includes a preferred provider network, Affinity Health Network (AHN), which has lower copayments covered services as indicated by AHN. This plan also includes Out-of-Network coverage.
  • 5.94% Premium Increase for all levels of coverage (Employee Only, Employee+Spouse, Employee+Child(ren), Family)

Supplemental Insurance

• Flexible Spending Accounts
  • This program allows 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, 2023 through December 31, 2023 for the employee and any eligible dependents. 
  • The monthly administrative fee is being waived again for 2023.
  • Healthcare FSA Annual Limit - $3,050
  • Dependent Care FSA Annual Limit - $5,000 (family cap)
  • Employees are not automatically enrolled into the FSA each year. Employees must re-enroll each year.
  • The grace period allows employees until March 15^th into the new plan year to incur expenses. All claims towards the previous plan year balance(s) must be submitted by April 15^th.
  • The IRS “Use or Lose” regulation requires that elections must be spent by the end of the plan year. Unused money is forfeited.
• Dental Insurance
  • There will be no plan design or premium changes. You can add/delete dependents or switch between the Basic and Enhanced plans during Annual Enrollment.
  • No action is required if you wish to continue your current coverage.
• Vision Insurance
  • There will be no plan design or premium changes. You can add/delete dependents or switch between the Basic and Enhanced plans during Annual Enrollment.
  • No action is required if you wish to continue your current coverage.
• Identity Theft Protection
  • There will be no plan design or premium changes.
  • 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 an Evidence of Insurability. 
• Supplemental Life Insurance
  • United Health Care Term Life
    • There will be no plan design or premium changes.
    • An employee currently enrolled in this plan may increase coverage by 1 increment of $10,000 without an Evidence of Insurability. An employee not currently enrolled in this plan may elect $10,000 of coverage without Evidence of Insurability. An employee may submit an Evidence of Insurability to apply for the maximum amount which is the lesser of $350,000 or 3 times their base salary.
    • A spouse must submit an Evidence of Insurability and be approved to elect any new or additional coverage up to the maximum amount of $175,000 or 50% of the employee's coverage.
    • An employee enrolled in this plan may elect to cover a dependent child(ren) up to $20,000. An Evidence of Insurability is not required for child(ren) coverage.
  • OGB Prudential Term Life
    • There will be a premium change for 2023. Additionally, your premium may increase if you are entering a new age band. Please review the premium rates here.
    • Employees may enroll with an Evidence of Insurability approval for self and spouse. No Evidence of Insurability is required for a dependent child(ren).
• 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 plan design or premium for 2023.
  • If you are currently enrolled and do not wish to make changes, no action is required. If you are not currently enrolled and are an active employee, you can elect coverage during Annual Enrollment for guaranteed issue.
• 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 plan design or premium for 2023.
  • If you are currently enrolled and do not wish to make changes, no action is required. If you are not currently enrolled and are an active employee, you can elect coverage during Annual Enrollment for guaranteed issue.
• 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 or premium for 2023.
  • 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 an Evidence of Insurability.
• 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 2023.
  • 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 an Evidence of Insurability. 
• 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 2023.
  • 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 an Evidence of Insurability.