July 1, 2020 – June 30, 2021 Benefits Enrollment
The open enrollment period for the benefit year beginning July 1, 2020 ended on Friday, May 8, 2020 at 11:59 p.m. Open Enrollment is an important time to review your current benefits, assess your coverage needs, and make benefit plan elections for both you and your dependents. This will be a passive Open Enrollment for benefits EXCEPT the flexible spending accounts. This means that your current coverage will carry over to July 1, 2020 unless you actively make a change to your elections.
You must actively enroll if you plan to participate in the Health Care and/or Dependent Care Flexible Spending Accounts "FSA". This is an IRS requirement and must be strictly followed. If current participants do not re-enroll their FSA coverage will end on June 30, 2020. Please contact the benefits hotline at 1-877-716-6618 if you have questions or need assistance. Beginning July 1, 2020, the annual election limit for the Health Care FSA is $2,750 and
Dependent Care FSA is $5,000. For more information view the FSA Guide Book located below in the Enrollment Resources section.
We are pleased to continue to offer the same High Deductible Health Plan (HDHP), OAP Plan (PPO), and OAP-IN Plan (HMO) through Cigna, with no changes to plan design. Cigna has a new medical management program that will go into effect for Loyola’s medical insurance plans July 1, 2020. The new program will enhance participant experience and improve quality of care. There will also be some changes in the management of services. In-network pre-certifications will be handled by the physician’s office. Out-of-network pre-certifications will be the responsibility of the employee.
There will be no changes in the wellness compliant premiums. Employees will continue to be eligible for reduced employee premiums by following and meeting the established wellness criteria. We recognize that completing the biometrics may present a challenge for physician offices and labs. Given the current Covid-19 crisis, we are extending the time to complete the wellness steps until December 15, 2020. Participants are able to complete the health risk assessment on-line, and telehealth for physician appointments are available through Cigna.
There will be a slight decrease to the dental plan premiums, with no changes in plan design. All other benefit plans will remain the same, with no change in plans, coverages, or rates.
All participants will receive a new Cigna ID card for the July 1, 2020 plan year.
Cigna Health Matters® Care Management click here for details about care management and here for details about the pre-certification process.
Express Scripts Pharmacy will be Cigna’s home delivery pharmacy effective July 1, 2020.
• Customers will continue to call the same home delivery phone number and will continue to speak with Cigna Customer Service Advocates.
• Customers will continue to use the myCigna® app or website to manage their prescriptions online. Cigna will automatically connect them from myCigna to the new online Express Scripts account portal.
• Customers will have to provide their payment and shipping information directly to Express Scripts Pharmacy. They can do this online or over the phone.
• Enrollment in the Express Scripts Pharmacy auto fill program is available.
ALEX—Continue to utilize Loyola’s Employee Benefit Decision Support Tool
The University is now in our third year of utilizing ALEX, and we are so pleased to be able to continue providing employees and their families with such an excellent benefit resource. Because we know choosing the right plans can be overwhelming at times, we hope you will utilize ALEX to support you in making enrollment decisions for the July 1, 2020 plan year. ALEX is a confidential, easy-to-use online tool that helps you learn about your benefits and make the best choices for you and your family. Go to ALEX at www.myalex.com/loyolauniversitymaryland/2020 to get started.
Save money on your medical plan premiums by completing the wellness requirements between July 1, 2020 to December 15, 2020. Employees and their spouses insured under the medical plan can qualify for reduced medical plan premiums. Beginning July 1, 2020 sign into your MyCigna account at www.mycigna.com and complete the online health questionnaire. You will also need to enter the date of your most recent physical. Your physical must have been completed within the past year. If you do not complete your wellness requirements by the close of business on December 15, 2020 the "non-wellness rates will go into effect with your first pay check in February. Given the current Covid-19 crisis, we are extending the time to complete the wellness steps until December 15, 2020. Participants are able to complete the health risk assessment on-line, and telehealth for physician appointments are available through Cigna. If you have questions or need assistance with MyCigna please call Cigna OneGuide (Cigna’s highest level of customer support) at 1-800-Cigna24 (244-6224) for personalized guidance and support.
• PSA Benefits Hotline at 1-877-716-6618
• Loyola Benefits & Wellness unit 410-617-1365 and 410-617-1368
Benefits Presentation - Self-pace benefits overview presentation
FY21 Summary of Employee Benefits
Annual Payroll Deductions
Cigna OAP-HSA Summary of Benefits and Coverage Chart
Cigna OAP-IN Summary of Benefits and Coverage Chart
Cigna OAP Summary of Benefits and Coverage Chart
MyCigna - login to manage your Cigna benefits
Cigna One Guide Pre-Enrollment Flyer
Maximize Your HSA