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FAQs

1. What is Open Enrollment?
Open Enrollment is your annual opportunity to choose the benefits that best fit the needs of you and your family. The choices you make will stay with you for the rest of the year so it's important to make wise choices!

2. I've read that enrollment is "passive" this year. What does that mean?
With EpicLeap launching Nov. 2, we wanted to keep enrollment simple for 2018. So, if you aren't making any benefit changes for the 2018 plan year, you won't need to enroll. All of your 2017 benefit choices, except for flexible spending accounts, will automatically roll over for 2018.

  • If you received the $20 tobacco-free credit for 2017, you will automatically receive the credit for 2018.
  • If you paid the spouse coverage fee of $100 per month in 2017, you will pay the spouse coverage fee of $100 in 2018.
  • Note that your flexible spending account election will not carry over to 2018. If you want to participate in an FSA for 2018, you will need to enroll on My VUMC Benefits.

3. Who needs to enroll?
You should enroll if you meet any of these criteria:

  • You want to have money in a health care or dependent day care flexible spending account for 2018
  • You are changing your health, dental or vision plans
  • You are adding or removing a dependent

4. Who are benefits-­eligible employees?

  • Fully benefits-­eligible employees. If you are scheduled to work at least 30 hours a week and are a regular, full-­time staff or faculty member, then you are eligible for most benefits beginning on your hire date. See the benefits eligibility web page for details.
  • Partially benefits-­eligible employees. If you are a monthly paid employee not already eligible for benefits, or a weekly or biweekly paid employee regularly scheduled to work 20-29 hours per week, then you are partially benefits-­eligible. You and your dependent children are eligible for VUMC health plan coverage. See the benefits eligibility web page for details.

5. How do I enroll?
Go to vumc­-oe.com and click on the Enroll Now button. You will need your VUnetID and ePassword. Follow the easy steps and print or email your confirmation statement when you’re done. Enrollment starts at 8 a.m. on Oct. 3 and ends at 11:59 p.m. on Oct. 20.

6. What is the deadline to enroll?
11:59 p.m. on Oct. 20.

7. Can I make changes after I enroll?
Yes, you can make changes until 11:59 p.m. on Friday, Oct. 20. Log in to My VUMC Benefits, make your changes, resubmit your elections online, and print or email your new confirmation statement.

8. Which benefits will I elect during Open Enrollment?

  • Health, dental and vision insurance
  • Flexible Spending Accounts
  • Accidental Death & Dismemberment

9. What's new for 2018?

  • Dental. To give you more choice in dental plans, we will offer two PPO dental options for 2018. New for 2018 is Delta Dental, a PPO plan similar to BlueCross BlueShield DentalBlue. We will still offer the BCBS DentalBlue PPO plan as well as the Cigna DHMO plan.
    • If you cover your spouse or children on your BCBS DentalBlue or Cigna DHMO dental plan, their coverage will roll over for 2018.
    • Delta Dental of TN, a new PPO plan, offers competitive rates, a broader network of providers and excellent service. If you'd like to enroll in Delta Dental, you will need to go to My VUMC Benefits to elect the coverage during open enrollment. No one will be automatically enrolled in Delta Dental.
    • Rates are staying the same for BCBS DentalBlue and Cigna DHMO. If you currently have BlueCross BlueShield, and your current provider participates in both BCBS and Delta Dental networks, you may want to compare premium rates between the two. Delta Dental's overall cost to members is lower than BlueCross BlueShield, so you will see a lower payroll deduction if you choose Delta Dental.
  • Prescriptions. While Vanderbilt pharmacies give us the best pricing using our employee health plan, we know that sometimes you need to use a non-Vanderbilt pharmacy such as a retail outlet. Starting in 2018, you can fill prescriptions at Walgreens at lower rates than other non-Vanderbilt pharmacies. As our preferred partner, Walgreens offers lower copays and coinsurance rates than other non-preferred pharmacies.
    • As an example, Tier 1 drugs at a Vanderbilt Pharmacy have a $5 copay while Tier 1 drugs at Walgreens have a $12 copay. By contrast, drugs at a non-preferred pharmacy have a $20 copay.
    • The following prescriptions will continue to be offered exclusively through the Vanderbilt Pharmacy and will not be available at Walgreens: 90-day prescriptions, mail-order prescriptions and specialty pharmacy prescriptions.
  • Health/medical. VUMC employees will see slight increases for Aetna Plus and Aetna HealthFund, while Aetna Select will reflect modestly higher premiums due to increasing costs of claims in this plan.
    • The emergency room copay will increase from $115 to $125 for the 2018 plan year.
    • Currently, our health plan applies what you pay towards your deductible from claims in October-December to your next year's deductible. Beginning with the 2018 plan year, what you pay towards your deductible from claims in October-December 2018 will apply to just that plan year’s deductible.
  • Vision. Vision rates will go up for all levels of coverage, from 25 cents per month for individual coverage up to 72 cents per month for family coverage. The provider is still Superior Vision Services.
  • Long-term disability. Long-term disability rates will increase because the plan has experienced higher than expected claim volumes the last two years. We continue to share the cost of this income replacement benefit with you. To help you manage the premium increase, we will offer an additional option for 2018.
    • You’ll still have the current option, which covers the amount between $24,000 and your annual base pay. This option also includes a 10 percent monthly contribution to your retirement account while you are on long-term disability if you are a participant in the Vanderbilt University Medical Center Retirement Plan. For example, an employee making $50,000 will see an increase in their monthly premium of roughly $2.77 with this option if you don’t make a new election.
    • The new lower cost option will only cover the amount between $24,000 and your annual base pay. For example, an employee making $50,000 will see an increase in their monthly premium of roughly 42 cents if they elect this option.

10. What are the premiums for 2018?
See the rates web page (VUnetID required) for 2018 premiums.

11. What happens if I don't enroll?
You will keep your current benefits elections for 2018.

  • If you received the $20 tobacco-free credit for 2017, you will automatically receive the credit for 2018.
  • If you paid the spouse coverage fee of $100 per month in 2017, you will pay the spouse coverage fee of $100 in 2018.
  • Note that your flexible spending account election will not carry over to 2018. If you want to participate in an FSA for 2018, you will need to enroll on My VUMC Benefits.

12. What if I have trouble enrolling or need help?
Call or visit the Employee Service Center for help. HR will also be available through webinars and at the Health & Benefits fair. Click here to see the schedule.

13. What should I do if I want to make changes to my retirement, life insurance, or other benefits? I don't see those benefits listed as part of Open Enrollment.
You can make changes to the following benefits at any time of the year. The chart below has details.

Benefit Where to make the change
Life insurance* My VUMC Benefits
Enhanced short-term disability* My VUMC Benefits
Long-term disability (LTDi)* My VUMC Benefits
Retirement Fidelity NetBenefits
Pet insurance Nationwide website
Home insurance Call 1.800.GETMET8 or visit the MetLife website
Auto insurance Call 1.800.GETMET8 or visit the MetLife website
Beneficiaries: retirement Fidelity NetBenefits
Beneficiaries: life insurance or AD&D My VUMC Benefits

*You may need to complete a health statement form.


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