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Open Enrollment

Make your benefits elections online Oct. 21 to Nov. 8, 2019

Open Enrollment is your next opportunity to change your benefits and add or drop dependents from coverage. Changes you make to your benefits during Open Enrollment take effect on Jan. 1, 2020.

Your Open Enrollment Checklist

  • Review plan announcements below. 
  • View the plan rates and use the Comparison Tool to learn more about the plans.
  • View the Resources and Frequently Asked Questions, which are updated often.
  • Attend a Fair or Information Session to speak with plan providers and Stanford Benefits staff.
  • Make elections in the My Benefits portal, Oct. 21 to Nov. 8, 2019


Updates: Active Employees & Retirees Under Age 65

Infographic: Choosing a New Plan

medical plan infographic

For the past few benefits Open Enrollment periods, Stanford hasn’t had plan changes for active employees and retirees under age 65. This year is different, and it’s driving people to review the medical plan options more closely. We've seen an increase in interest online (and in calls to the University HR Service Team) from people with questions about the medical plans, and the differences between HSAs and FSAs. There is no “one size fits all” medical plan, so if you aren’t sure where to start, these prompts might set you on the right path.

View the PDF

Changes to your medical plan options for 2020

medical plans

A new plan, Trio by Blue Shield, is available to benefits-eligible employees and retirees under age 65 who live in the plan’s California service areas. Stanford is also discontinuing the EPO plan amid concerns about the plan's affordability for employees, and for the university, moving forward.

Read all plan news

 

Introducing Trio

trio plan

With this new plan, you choose a primary care physician (PCP) and Blue Shield works with a network of doctors and hospitals within the service area who share responsibility for coordinating your care. Plan premiums are between Kaiser and SHCA and has a benefits structure that includes copays, and no deductibles.

View the profile of this new plan

 

Stanford doubles its HSA contribution

dollars

Employees in the Healthcare + Savings Plan with a health savings account through Health Equity will receive $600 for employee-only coverage or $1,200 for dependent coverage from the university in 2020. HSAs are more than a spending account for medical expenses; they are a great way to plan for the future.

Learn more about HSAs

 

Medical Contribution Assistance Program (MCAP) expands

If your family's Adjusted Gross Income on your federal taxes is $100,000 or less, the university may lower the amount you pay to cover your family on your medical plan.

Learn more about MCAP

 

SHCA members will be required to designate a primary care physician (PCP) for 2020 

SHCA will send you a letter in the mail with a recommended PCP based on your care history and location. If you want to make a change, you can designate a different PCP during Open Enrollment through the My Benefits portal, or by calling Stanford Member Care Services at 855-345-SHCA (7422). Note: SHCA participants will receive new plan ID cards in January, which will include your designated PCP.

Explore the SHCA plan

 

Increase in individual deductible in family coverage for Healthcare + Savings Plan

The IRS is raising the individual deductible in family coverage, from $2,700 to $2,800. If you cover dependents in your plan, you still have an overall deductible of $3,500, but up to $2,800 of an individual's claims will apply toward the family deductible. Once that threshold is met, the plan will begin sharing the costs for that individual.

Explore the Healthcare + Savings plan

 

Blue Shield to send new plan ID cards in January

Employees and retirees under age 65 enrolled in Blue Shield plans -- Healthcare + Savings, ACA Basic High Deductible, or Trio -- will be sent a new card with an updated phone numbers for member services. (This does not include the Blue Shield retiree health plans.)

Find all provider contacts

 

Eligibility change for California domestic partners

California will drop the age 62 requirement for opposite-sex partners in January. You'll be able to enroll these previously ineligible partners and dependents during Open Enrollment for coverage in 2020.

Find out how to certify your dependents

 

Compare Employee Plans and Rates


Employee Reminders

  • Every year you must renew: your health savings account (HSA), health care flexible spending account (FSA), dependent day care FSA, Child Care Subsidy Grant (CCSG), and Medical Contribution Assistance Program (MCAP) award. These benefits do not automatically roll over.
  • Waive coverage: Employees who don’t need medical coverage through Stanford next year may waive coverage during Open Enrollment.

  • Only during Open Enrollment: Outside of your new hire window, you can only enroll in critical illness insurance and pre-paid legal services during Open Enrollment. Already enrolled? Your coverage will automatically roll over, at the same rates as 2019. To dis-enroll for 2020, you must log into My Benefits during Open Enrollment.

Updates: Retirees in Medicare Plans

No health plan changes for Medicare-eligible retirees

  • Stanford will continue to offer two Medicare Advantage and two Medicare Supplement plans for 2020, as well as a dental plan and vision plan.
  • Note that for 2020, there are plan changes for active employees and retirees under age 65 (or retiree dependents who are not yet Medicare-eligible) so you may want to revisit your elections to make sure they are a good fit for your needs.
  • As a Medicare-eligible retiree, if you are still eligible for your plan and don't need to take action, your medical, dental and vision plan elections will automatically roll over to the 2020 rates.
  • Kaiser Senior Advantage is now covering prescription and over-the-counter tobacco-cessation products at no cost share for members.

 

Compare Retiree Plans and Rates


Working toward zero waste by 2030

We’re reducing the amount of materials we create for Open Enrollment, in support of the university’s Zero Waste 2030 initiative. We started by listening to your ideas from last year’s Open Enrollment exit survey.

See what steps we’re taking now and how you can help


Help is only a click away

Log into the My Benefits portal to review the changes you made to your elections.

Due to the high volume of requests that occur during this time, the University HR Service Team have enlisted support from an off-site team to ensure continuous high-quality service and fast response times. In My Benefits, you can submit an online request for assistance. Or you can call: 877-905-2985, Monday to Friday, 8 a.m. to 5 p.m. PT.