Annual Enrollment: Benefit Highlights of the 2022 Plan Year

Annual Enrollment Begins October 1, 2021: 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. 

If no action is taken, all benefits will roll over for the next plan year, except for Flexible Spending Account(s) (FSA) and Health Savings Account (HSA) contributions. These contributions must be re-elected each year. All elections made during the Annual Enrollment period (October 1 - November 15, 2021) will be effective January 1, 2022. 

Important Dates to Remember: 

  • October 1, 2021 – Annual Enrollment begins 
  • November 15, 2021 – Annual Enrollment ends 
  • January 1, 2022 – New plan year begins

 

Make Choices that Fit your Needs

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 
  • Confirm your demographic information, including address and phone number, in Workday
  • 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).

Attend a Virtual Presentation

In preparation for Annual Enrollment, below is a list of virtual presentations that can educate and assist you in making informed decisions for the 2022 Plan Year. We encourage you to register and participate in these presentations hosted by the various insurance vendors.

The Office of Group Benefits

The Office of Group Benefits (OGB) hosted presentations for active employees September 27 – October 1. Links to recorded presentations are listed below. 

graphic of someone watching a video on a laptop.

LSU First

LSU First hosted presentations for active employees via Zoom. To learn how LSU First works, please watch the LSU First Plan Highlights video. If you were not able to attend the meetings, a recorded presentation is available.

LSU First Annual enrollment presentation

LSU First Medicare Retiree Plan

LSU First Medicare Retiree Plan hosted presentations for Medicare-primary retirees. If you were not able to attend the meetings, a recorded presentation is available.

LSU First Medicare Retiree Plan for 2022

 

Highlights for the 2022 Plan Year


Health Insurance

LSU First Health Plan administered by WebTPA and MedImpact

  • Average premium increase of 3.8%; increase varies by tier
  • $25/month wellness premium credit, if criteria have been met 
  • $150 penalty for CT scan and/or MRI performed in a hospital setting
    • No penalty if performed at free-standing imaging center
    • To find a free-standing imaging center, search network by specialty
      • First Choice and Verity - “Imaging Center” or “Laboratory”.
      • Aetna ASA – “Labs and Testing”
  • $300 penalty for outpatient surgery performed in a hospital setting
    • No penalty if performed at ambulatory surgery center
    • To find an ambulatory surgery center, search network by specialty
      • First Choice and Verity - “Surgery Center”
      • Aetna ASA – “Outpatient Treatment and Facilities”
  • 90-day supply of maintenance medications at participating retail pharmacies

LSU First Medicare Retiree Plan (available for Medicare - eligible retirees)

  • 40% decrease
  • Retirees who are Medicare A and B primary on all covered family members

Pelican HRA 1000 administered by Blue Cross Blue Shield

  • 5% premium increase
  • Express Scripts will replace MedImpact as the Pharmacy Benefit Manager (PBM)

Pelican HSA 775 administered by Blue Cross Blue Shield

  • 5% premium increase
  • Express Scripts will replace MedImpact as the Pharmacy Benefit Manager (PBM)
  • To contribute to your HSA for 2022, please complete a GB-79 form and submit to Anne Landry via secure FilesToGeaux
  • Per IRS, Employees who are enrolled in an HSA health plan are not able to enroll and contribute to the Flexible Spending Account (FSA) program at the same time.

Magnolia Local administered by Blue Cross Blue Shield
(available only for employees who live in designated regions)

  • 5% premium increase
  • Express Scripts will replace MedImpact as the Pharmacy Benefit Manager (PBM)

Magnolia Local Plus administered by Blue Cross Blue Shield 

  • 5% premium increase
  • Express Scripts will replace MedImpact as the Pharmacy Benefit Manager (PBM)

Magnolia Open Access administered by Blue Cross Blue Shield

  • 5% premium increase
  • Express Scripts will replace MedImpact as the Pharmacy Benefit Manager (PBM)

Medical Home HMO administered by Vantage 

  • 10% premium increase
  • Express Scripts will replace MedImpact as the Pharmacy Benefit Manager (PBM)

Supplemental Insurance

Dental Insurance

  • No changes to premium or plan design

Vision Insurance

  • No changes to premium or plan design

Supplemental Life Insurance

LSU System Term Life

    • No changes to premium or plan design. Your premium may increase if you are entering a new age band.
    • Please review your beneficiary designations in Workday.
    • During this Annual Enrollment, UnitedHealthcare will allow enrollment with no evidence of insurability.

Employee

    • Maximum coverage amount is 3 times your annual salary or $350,000, whichever is less. Coverage must be in $10,000 increments.
    • If you are not yet enrolled, you may elect $10,000 with no medical questions.*
    • If you are currently enrolled, you may increase your coverage by $10,000, up to the maximum limit, with no medical questions.*

Spouse

    • Coverage possible up to 50% of the Employee’s coverage amount, up to a maximum of $175,000. Coverage must be in $5,000 increments.
    • If your spouse is currently enrolled, they may apply for coverage up to the maximum allowed by submitting Evidence of Insurability (EOI).

Children

    • Coverage in $5,000 increments, up to a maximum of $20,000 per child. Premium covers all children.
    • If you are enrolled, you may enroll your child(ren) in any level of coverage.

*If you have been previously declined for coverage by UHC, you must re-submit EOI and be approved to elect new or additional coverage in any amount.

OGB Term Life

    • No changes to premium or plan design. Your premium may increase if you are entering a new age band. 
    • You may apply for this benefit at any time with Evidence of Insurability (EOI).
    • If you would like to cancel your coverage, please contact HRM directly.

Accidental Death & Dismemberment

  • No changes to premium or plan design.
  • Please review your beneficiary designations in Workday.

Long Term Disability

  • No changes to premium or plan design.
  • You may apply for this benefit at any time with Evidence of Insurability (EOI).
  • If you would like to cancel your current coverage, please contact HRM directly. 

Long Term Care

  • No changes to premium or plan design.
  • You may apply for this benefit at any time with Evidence of Insurability (EOI).

Critical Illness

  • No changes to premium or plan design.
  • Your premium may increase if you are entering a new age band.
  • Please review your beneficiary designations in Workday.

Accident Insurance

  • No changes to premium or plan design.
  • Please review your beneficiary designations in Workday.

Flexible Spending Accounts

  • The $5.00 administrative fee will be waived for 2022 on both Healthcare and Dependent Care Accounts. 
  • Healthcare FSA Contribution Limit= $2,750
  • Dependent Care Contribution Limit = $5,000 ($2,500 if married and filing separately)

Identity Protection

  • Premiums will decrease for both plans.
  • Enhancements have been made to both plans.
  • View the Identity Force Flyer  

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 and 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

Supplemental Retirement

Enroll in a supplemental retirement account or make contribution changes to your current account!

Workday 

Workday sends all benefits-eligible employees an Open Enrollment Event to their Workday inbox. This event will look different than years past due to a Workday redesign. Please refer to the Annual/Open Enrollment Workday Job Aid for step-by-step instructions.

Employees are encouraged to review current benefits and make selections consistent with your individual needs. To review your current benefit elections, click on the Benefits Worklet and view benefit elections. This will help to ensure you are aware of your current benefit elections while you review your 2022 benefits. Even if you don’t wish to make any changes, we encourage you to review and submit the event in Workday. It is also important that all employees check their demographic information, mailing address, phone number, and dependent information to ensure no disruption in coverage or receipt of ID cards.  

If no action is taken, all benefits will roll over to the 2022 Plan Year, except for Flexible Spending Account(s) (FSA) and Health Savings Account (HSA) contributions. These contributions must be re-elected each year. Workday will not allow for any changes to be made after the Annual Enrollment period has ended on Monday, November 15. All changes made will be effective January 1, 2022.