Open Enrollment for benefits will be held from October 30 to November 10, 2023. Open Enrollment is the period of time when you can make changes to your benefit coverage for the upcoming year. Please review each section below for information about benefit changes for 2024.
Open Enrollment Elections
All elections and changes to benefits are made in Workday. Any changes made during Open Enrollment are effective January 1, 2024. Here are the steps to get started:
- Log in to Workday
- Click on “Active Workers“
- Enter your network login ID and password
- Navigate to the Inbox icon in the top right corner
- Click on “Open Enrollment Change” task
- Click on “Let’s Get Started“
Please see the Open Enrollment Job Aid for additional details on how to make your elections in Workday.
If you take no action during Open Enrollment, your benefits will remain the same (including HSA elections), with the exception of the Health Care and/or Dependent Care FSA, and PTO Sell elections, which will not carryover to 2024.
2024 Medical Plan Changes
90% PPO Blue Plan – administered by Peak Health
- The Total Out-of-Pocket Maximum is being reduced to $5,000 for an individual/$10,000 for a family.
- The Total Out-of-Pocket Maximum includes the deductible, coinsurance, and copays you contribute toward the cost of your healthcare.
- Once you reach this maximum for the year, the plan pays 100% of the covered expenses for the remainder of the calendar year.
- Services applied towards the 2024 Standard Network Deductible will also credit the Enhanced Network Deductible.
- Covered members who utilize an Enhanced Network Primary Care Provider (PCP) will have access to up to three visits with their Enhanced PCP without a copay.
- The visits are in addition to the annual preventive visit.
- The first three visits will be a $0 copay, after that, it will be a $20 copay.
- Physical therapy, occupational therapy, speech therapy, covered chiropractic services, and outpatient mental health counseling services will be covered with a $30 copay; you do not need to meet the deductible for these services.
- The Comprehensive Metabolic Panel and A1C will be included in the Preventive Health Guidelines and covered at 100%, once per year, when it is ordered as preventive during the annual wellness visit.
Mountaineer High Deductible Health Plan (HDHP) – administered by Highmark
- The Enhanced Network deductible for the HDHP will increase to $2,000 for an individual/$4,000 for a family. The Standard Network Deductible will increase to $5,000 for an individual/$10,000 for a family.
- The Annual Out-of-Pocket Maximum for the Enhanced Network will increase to $4,000 for an individual/$8,000 for a family. The Annual Out-of-Pocket Maximum for the Standard Network will increase to $7,150 for an individual/$14,300 for a family.
- The Total Annual Out-of-Pocket Maximum will increase to $7,550 for an individual/$15,100 for a family.
- The Comprehensive Metabolic Panel will be included in the Preventive Health Guidelines and covered at 100%, once per year, when it is ordered as preventive during the annual wellness visit.
80% Out-of-Area PPO Plan – administered by Peak Health
- Please note: Only employees who are eligible for this plan will see it as an option in Workday.
- Employees who reside in states other than West Virginia, Ohio, Maryland, Virginia, and Western Pennsylvania will be able to select a new comprehensive out-of-area medical and prescription drug plan. Eligible employees should review their Open Enrollment home mailer for more information.
- The plan will utilize the First Health Complementary Network – firsthealthcomplementary.com.
- The prescription drug plan will be administered by Highmark and if filled at participating retail pharmacies, the Enhanced Pharmacy pricing will apply.
- Note: Employees eligible for the plan are encouraged to select this plan to minimize out-of-pocket expenses. Those who are eligible for this plan but decline enrollment in this option and instead choose to enroll in the 90% Blue PPO plan or the Mountaineer High Deductible Plan will receive the Standard Network level of benefits, unless utilizing an Enhanced provider.
- Taking advantage of bi-annual preventive dental visits helps to manage your overall health. Beginning in January 2024, the preventive dental visits will not apply to the annual benefit plan maximum. This allows for 100% of the plan maximum to be used for any additional dental services that are needed.
- In addition, the number of United Concordia participating providers will increase for 2024, which will help to reduce the number of out-of-network dental visits and any out-of-pocket expenses. Refer to the Provider Directory on the United Concordia website for participating dentists.
- Contributions for part-time employees will increase modestly for 2024.
Leave of Absence
- To support employees, those who need to take an approved leave of absence (other than a personal leave) will have the option to reserve up to 80 hours of PTO during their leave. Reserving PTO can help support you as you transition back to work.
- The waiting period before Short-Term Disability (STD) begins payment will be shortened. Beginning January 1, 2024, if you qualify for STD benefits, the plan will begin payment after a seven-day waiting period, during which you will need to use PTO/EIB.
2024 Employee Contributions
Good news! There are modest increases to employee per pay premiums for the medical plans for 2024. Your wage band for 2024 is based upon your hourly wage at the time of enrollment. The average increase is approximately $3 per pay. This will allow for the majority of any pay increases offered in 2024 to be retained by you.
When you complete your Open Enrollment session in Workday, you will be able to view the new per pay costs. As a reminder, your medical rate will be based on your hourly wage as of December 31, 2023.
The rates that you see in Workday are the rates without the Wellness Credit applied. If you completed the required Wellness Rewards Program activities by the September 29, 2023 deadline, you will see a Wellness Credit in your first pay in January 2024 of either $12.50, $25, or $50, depending upon your medical coverage level, whether or not you have a spouse enrolled, and how much of the program you (and your spouse, if applicable) completed (Tier 1 Silver or Tier 2 Gold).
There are no plan design changes to the prescription, vision, long-term disability, and life insurance plans for 2024. Please see some benefit reminders below.
- The Medical Center Pharmacy is able to provide mail order prescription medications to employees residing in the state of Virginia. Refer to Workday for more details.
- MetLife now owns Davis Vision and new ID cards will be sent to all employees who are enrolled in the Vision Plan. The new plan name will be Davis Vision by MetLife.
- Vandalia Health facilities and pediatric providers are participating providers in the Standard Network for both Peak and Highmark for pediatric services only and only for those covered members ages 18 and younger.
- Effective January 1, 2024, the following provider changes will be in effect:
- Winchester Medical Center will be a Standard Network participating provider with our medical plans. If a covered employee/family member uses Winchester Medical Center for their medical needs, the services will be processed at the Standard Network benefit level.
- Ohio Hills Clinic will be an out-of-network provider. If a covered employee/family member seeks services from this practice, there will be no coverage for services incurred.
During Open Enrollment, you will have the opportunity to elect to sell PTO twice annually (July and December 2024). Your current 2023 election will not continue in 2024 if you take no action during Open Enrollment. Once you make your PTO Sell election, it is binding. You cannot cancel your PTO Sell if you decide in 2024 that you no longer want to sell your PTO. Employees can sell up to 40 hours at each opportunity in eight-hour increments. At the time of each sell period, employees must maintain a PTO balance of 80 hours after their PTO Sell election has been paid. PTO sell hours will be taxed as supplemental wages at the federal tax rate of 22%.
2024 Health Savings Accounts (HSA)
The 2024 HSA contribution limit will increase to $4,150 for employee-only coverage and $8,300 for all other coverages – these limits include both the employee and employer contributions. Employees who are 55 years or older in 2024 may contribute an additional $1,000 annually. Current per-pay contribution amounts will rollover to 2024 if no action is taken. However, if you would like to change your per-pay contribution for 2024, you will need to log in to Workday to make a new election. As a reminder, your HSA contribution may be changed without a specific life event. Employees will receive the employer contribution in January of $500 for employee-only coverage and $1,000 for all other coverage levels.
2024 Flexible Spending Accounts (FSA)
To contribute to the Health Care FSA or the Dependent Care FSA for 2024, you must log in to Workday and make an election. Your current 2023 election will not continue in 2024 if you take no action during Open Enrollment. The Health Care FSA limit will remain at the annual maximum of $3,050. The Dependent Care FSA will remain the same at an annual maximum of $5,000.
2024 Life Insurance
When you log in to Workday you will see supplemental life insurance rates based upon your current age. If you will move into a new age bracket in 2024, the new rate(s) will be effective January 1, 2024. You will only see the rates in Workday based on your current age.
Also, it is important to name one, or more, beneficiaries and keep your designations current. Beneficiary designations for the employer-paid and employee-paid supplemental life insurance can be made at any time in Workday.
Members of Laborers’ Local 814 – J.W. Ruby Memorial Hospital
Members of Laborers’ Local 814 at J.W. Ruby Memorial should review the Open Enrollment postcard that was sent to them and refer to their Collective Bargaining agreement for more information.
UHA Faculty should review their Open Enrollment communication that was sent to them separately.
If during Open Enrollment you enroll dependent(s) who are not currently on your medical, dental, and/or vision coverage, you must certify the dependent is eligible for coverage by uploading appropriate documentation before you start your enrollment session. Please see the Open Enrollment Job Aid for additional details on how to upload your documentation into Workday. Here are a few tips:
- Scan or take a photo of your documentation
- Upload and save documents to the computer that you will use to enroll
Child (up to age 26) – required documentation
- Birth certificate or certificate of live birth, or
- Copy of 2022 federal tax return that shows dependent status (you may blackout any salary information)
Spouse – required documentation
- Copy of 2022 federal tax return that shows marital status (you may blackout any salary information)
- Marriage certificate (only if married within the current tax year)
You can continue to use the same ID cards in 2024. New ID cards will not be issued unless you make a change for next year. However, new ID cards for the vision plan will be mailed out to all who are enrolled due to the name change of Davis Vision by MetLife.
Open Enrollment Webinars
Virtual webinars will be held October 19 through November 2, 2023. Specific information, including links, have been emailed to all employees. You will be able attend any session as these are not specific to any hospital or location. If you are unable to attend an Open Enrollment session, please click on this link to hear a recorded session.
After you click the link, you will be prompted to select your account, then you will have to enter your login credentials. Once you have completed this, you should be able to view and listen to the recorded session.
HROneSource and Workday
Additional information can be found once Open Enrollment begins on October 30, 2023, by logging in to Workday. Navigate to the Menu in the top left corner, then select the Help or Helpful Links App.