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.
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.
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.
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.
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.
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.
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.
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.
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.)
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.
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.
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.